vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XXXX XXXX I requested a loan or cash promotional to chase 0 % APR for a year This caused that I started receiving interest charges in my statements. 
Called the bank on XXXX and a representative told me that as long as pay my purchases plus the minimum payment I wouldn't receive interest charges. 
That happen the next month I didnt receive interest, but the next statement I did. 
Called again the bank on XXXX and spoke with an specialist that didnt explain well what I needed to do for no receiving interest charges, she said to pay the full balance, but I answer what about your promo of 0 % apr ; at the end she ended hang up on me without solution to my issue. 
I continued receiving monthly interest charges the next months. 
I called the bank again on XXXX and an specialist explained that new purchases cause interest from the first day because the terms changed after I requested the loan. 
What I requesting from Chase Bank is to remove the monthly interest charges they charged me, because they Never explained clearly the change in terms and when I spoke with two representatives they gave me wrong information or didnt explain clearly. 
They promised to send me a letter explanatory of this which I didnt receive. 
This is like the Bank offers you a promotion but they change you the terms in order to charge you interest which didnt happen before when you didnt have the promotional. 
Bank should gave you these change of terms in writing or be more direct and specific that this would change other way clients wouldn't be aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX Account Name : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I went to apply for a vehicle and they sent me to a ton of different places rather than just one. I also applied for a credit card and they sent me everywhere some of companies I've never even seen advertised before. Here is a name of all the companies I could find XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I went to apply for a vehicle and they sent me to a ton of different places rather than just one. I also applied for a credit card and they sent me everywhere some of companies I've never even seen advertised before. Here is a name of all the companies I could find : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XX/XX/XXXX, a person made me a transfer for {$200.00}, he sent me the confirmation of the transfer but I never received the money, in the same confirmation he said that if the money was not reflected to the other person in 14 days the money would be returned. To date I have not received the money and I contacted the person who made the transfer and he was not returned the money. I tried to communicate with Wells Fargo and I didn't have an answer, I'm currently out of the country and I don't have a way to go personally to the bank to be able to talk to someone and be able to solve it since I really don't know what happened but I never received the money. 
The number and name of the person is XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Notice to agent is noticed to principle, noticed to principle is noticed to agent. 
Payments on the vehicle Is unclear. Santander consumer USA and XXXX XXXX XXXX can not make their decision on whom the Debt Belongs to. This has been discharged for the following reasons, Santander Consumer USA has not provided the discharge Documentation requested by the consumer I have contacted XXXX XXXX XXXX to provide me with the discharge cancelation Information to report this to the IRS and they have denied the information that I Need, to file the 1099 XXXX XXXX XXXX XXXX deny providing me with Such license, Santander on the other hand is blaming XXXXXXXX XXXX  XXXX and since I am the holder in due course of this account, I am cancelling this debt with house resolution 192 that explains the public debt. I would like to recoup the currency by check money order or federal notes. or return the funds to my financial institution. or to the consumers address mentioned un the contract. And just keep in mind they're on the contract it says pay to house does not say Santander consumer USA and just to inform Santander. You forfeit the signature on that contract you have send me. the original contract is proof of the frog you committed with XXXX XXXX you are just unlawful and no different than XXXX XXXX XXXX. I came in good faith to both of you and I addressed the issue when you ask me to you pretended to help when in reality you were committing fraud. I am requesting Santander to provide me with the discharge notification letter and the 1099C information. In order to release your name from the DMV records and if you can not provide me with the information, I am requesting please assign this to a court hearing to a federal court before I address the issue. and before I forget there is no Arbitration Cloth Between me and Santander. Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have inaccuracies reporting on the following accounts : Account Name : Credit Coll Account Number:XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX I received for at least the 12th time an offer from Capital One to apply to their Platinum Card. I decided to try again for this card as the last time they stated they could not approve me due to " not being able to verify my identify via phone ''. The same happened again, where i received a denial email and the call rep i spoke to said " they couldn't reach me by phone and to file a dispute with the credit bureau ''. My phone number is correct XXXX on ALL THREE Credit Bureaus, i actually verified this 20 minutes before i decided to apply. In addition, I hold a CAPITAL ONE Checking and SAVINGS account to which Capital One has my personal information. In XX/XX/XXXX, I also obtained a mortgage as well as another credit card with their competitor in XXXX XXXX and a car loan in XX/XX/XXXX. Capital One continuously DENIES be based on the only factor of " could not verify identify/reach by phone ''. I have disputed this several times, considering the information they have is completely outdated and their system is never updated. If the FEDERAL GOVERNMENT and LENDER can verify my information for a MORTGAGE and have the correct phone number, as well as other lenders, than this is a capital one issue in their systems. I am tired of being told that I am the one who has the issue and to contact the credit bureaus. I have already contacted them this first time this has happened. I applied for Capital One Card THREE Times once on or about XX/XX/XXXX, XX/XX/XXXX and then most recently on XX/XX/XXXX, as well as capital one auto finance in XX/XX/XXXX all with the same denial Yet their pre qualify mailer they have already soft pulled my credit and have my information as well as from my checking account info with them. As of this complaint I now have THREE hard inquiries on my credit bureau due to this and THREE Adverse Actions in the period of a year. I have incurred the same issue with Capital One denying me for the same reason, when the issue is completely on their end and my credit DOES qualify. This is deceitful business practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently went to apply for a mortgage and I noticed some inaccurate items on my credit reports. Not only were they inaccurate but they were also unauthorized. My data has been involved in various data breaches, Equifax to name one, and someone was successful at opening up accounts in my name but were unauthorized. I also tried settling this with the credit bureaus 30 days ago and I haven't heard anything back from them yet and I know they have to respond in 30 days. my reputation with the banking system because of the inaccurate items being furnished on my reports. I need this fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently went to apply for a mortgage and I noticed some inaccurate items on my credit reports. Not only were they inaccurate but they were also unauthorized. My data has been involved in various data breaches, XXXX to name one, and someone was successful at opening up accounts in my name but were unauthorized. I also tried settling this with the credit bureaus 30 days ago and I haven't heard anything back from them yet and I know they have to respond in 30 days. my reputation with the banking system because of the inaccurate items being furnished on my reports. I need this fixed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
I have been billed repeatedly from some company that claims to be Montgomery Ward. This company went out of business in the 80s. I looked this company up and they have awful reviews, they are listed under scams and frauds. The scam alert review ops up. This company has several alias names, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX etc. I keep receiving credit cards statement bills from the one  call Montgomery Ward. This scam starts with a buy now pay later catalog which we all get in XXXX XXXX. I hear people complaining about this fraudulent catalog on XXXX. In XXXX and XXXX my phone was hacked and XXXX notified me. After that was cleared up, I was a victim of identity theft through an online dating site called XXXX. XXXX eventually notified me that the man I was talking with had a fraudulent account with XXXX  and for me not to respond to him. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
A 2nd dispute was created after the initial one, the 2nd dispute was completely ignored and closed almost immediately upon opening it. It was opened and closed on XX/XX/XXXX in a matter of minutes and no analysis of supporting documentation thoroughly proving that the account reported was paid, as agreed, in full. 

Experian refuses to acknowledge the payment receipt, and ACH transfer, and even attempting to reinvestigate does nothing. Since this has happened twice I am generating a 2nd report. 

Initial debt was incurred to XXXX over a leave sell error, the debt notification was issued on the XXXX of XXXX, and arrived by mail on the XXXX of XXXX. It was paid in full on the XXXX of XXXX for a matter of XXXX dollars as reflected on both the pay.gov  receipt showing a XXXX debt, and the ACH transfer from my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A credit card was opened in my name on XXXX I did not authorize to open. The credit card was opened under XXXX XXXX  ( XXXX ) a XXXX XXXX XXXX. I had spoken to the credit card company and they have flagged the account and closed it. I additionally spoke with the fraud department at experian credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experians process of blocking and deleting information on my consumer report that is a result of identity theft is in direct violation of the law. It states in 15 U.S. Code 1681c2 -Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX not sure if what I experienced was corporate fraud, identity theft, or a weird accident. But remembering the XXXX XXXX scandal from a few years ago, it seems possible that XXXX ( or their financial institution, Comenity Capital Bank ) may be engaging in a similar fraudulent creation of customer accounts. 

About a week ago ( XX/XX/XXXX ), my bank alerted me to a hard credit check on my social security number from Comenity/XXXX  XXXX I havent requested any new accounts in a long time, much less from a cosmetics store, and I immediately set a credit freeze with all three credit bureaus on XX/XX/XXXX. A few days later on XX/XX/XXXX, I received a totally unasked-for XXXX visa credit card in the mail. I called and had it canceled/retracted ( on the XXXX, I think ), and XXXX customer support didnt seem to have an explanation for it. In theory, its handled now ; but XXXX a little mistrusting of corporations and thought you should be aware, just in case this is part of a broader pattern of fraud.

Company response to consumer: Closed with non-monetary relief