vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These fraudulent items need to be removed from my Experian credit report. Images will be submitted below.

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 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, I dont have the exact dates as its been over a year since this started but here is what happened. Chase closed my account without warning. I was with them for over 10 years in good standing, never a late payment. i found out they were closing my accounts when my wife called me from the store saying her card wouldn't work. I spent hours on the phone with support trying to get to the bottom of it and the response i received was along the lines of " If you read the docs you signed when you signed up with chase it will state that we have the right to end our relationship at any point with and do not need to provide a reason ''. i was quite amazed at this considering the size of the company and my history with them. About a a little over a year later they decide to shut down my business accounts as well. Again with no explanation. The time frame for the business accounts closures are around XXXX XXXX. They really caused me alot of issues as it was not easy to reset up all the payments i had setup using my chase credit card and checking accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
on XX/XX/2022 i sent a letter in regards to inaccurate items on my credit reports. its been more than 70 days and i have not receive any validation of debt or results of the investigation. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to delete the items immediately from my credit report. It has been more than 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to all stress caused to me.

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am unable to buy a house with a lender because of the delinquent reports on my credit report being reported by capital one. I have paid Off the account with the lender who has reported my account to credit bureau that my account is delinquent. I have asked the lender Capital one auto finance to please take my account altogether off the credit bureaus so the delinquent past due payments no longer showing. They refuse to do so. I have paid them off in full. This seems unfair. Now Im stuck in a dilemma where I cant get finance for a house for me and my sons to have a decent place to live. Rent is all time HIGH and it would be a better financial situation if I was to buy a home. I would like this done so Im able to buy a home for me and my sons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: PA

Complaint narrative:
Reason ( s ) n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 5XXXX ; Account name : XXXX XXXX Bank Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX XXXX, Account name : XXXX XXXX XXXX  Account # : 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 2022-04-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Reason ( s ) n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ; Account name : XXXX XXXX Bank Account # : XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # : 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 explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I had a XXXX with XXXX XXXX. The XXXX caused me to not be able to work. When I returned back to work I attempted to start paying back my medical bills. This company has been taking my {$10.00} a month payments for the last 2 months and then because I refused to answer there multiple calls all day they sent me to collections. I repeatedly asked them to stop calling and I was mailing what I could pay to get the balance down. I contaacted the collection agency and 'She '' XXXX or XXXX told me it doe snto matter how much you are paying you can go into collections at anytime. Then if that is the case why did the send me mail telling me I had options to dispute this. Please review this matter, I hdo not have a pribelm with my responsibility I have a problem with their aggressive calls, and misinformed information they use to try and get people to pay. The orignal creditor is XXXX XXXX and she said she works on behalf of them and directly with them which was a lie again. I told her I would be filing a complaint, My original balance was {$200.00}. I recieved this paperwork from the collection agency around XXXX or XX/XX/XXXX. I made the first {$10.00} payment XX/XX/XXXX via check online and the second payment via credit online XX/XX/XXXX. After askingthem to stop calling me they placed thsi accoutnon my credit report yesterday 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 2022-04-04 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: Grain Technology, Inc.
State: GA

Complaint narrative:
I have no knowledge and never gave consent to anyone for them to furnish my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a phone call from Bank of America about a potentially fraudulent account that was opened with my Social Security Number. I informed them that I did not open any accounts and they confirmed that it was fraud. There was no money in the account, and Bank of America closed the account due to fraud.

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 2022-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies have 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 an 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 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have previously filed two complaints on this issue ( XXXX and XXXX ), which dates for XX/XX/2021. As I explained in detail in those complaints, I inadvertently deposited a pension check issued by Fidelity meant for IRA roll-over in my Cap One Account. CApOne never should have accepted the check for deposit as it was made out to XXXX XXXX XXXX ( for benefit of ) XXXX XXXX. I immediately called for reversal of the CapOne deposit in late XXXX. It took repeated calls to get the funds reversed and they finally were in late XXXX. However, the funds were never sent back to Fidelity the check issuer. As I have detailed in my earlier complaints, I have spent hours on the phone with Cap One, called with a Fidelity rep on the phone, sent Emails to the CapOne contact person and called their office of the President. The CFPB responses have not rectified the problem. While the funds have shown as reversed from my Cap On account since XXXX, they have still not been returned to my Fidelity account. In the last response Cap One claims that they have finally reversed funds to my Fidelity account on XX/XX/XXXX. As of today, Fidelity has no record of the funds coming back to my account. I have again attempted to contact " XXXX '' at the Cap One " Office of the President '' -- I called again today ( XXXX ) and left a message. I have attempted to contact her over a dozen times since her first letter of XX/XX/XXXX and received no response. Cap One customer reps have also tried contacting her while I was on the phone with them to no avail. Also note that these are pension funds that should have been deposited in a roll over account but can not be due to Cap One 's incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/2022 Consumer Financial Protection Bureau : Capital One Bank is fraudulently charging consumers for " late fees '' despite making payments on time, and on the due date, in the evening. They are purposely misleading consumers to assume their payments will be on time that evening, by not making consumers aware they supposedly have a " cut off time of XXXX '' which is unheard of with banks. Banks allow payments to post by midnight to be on time. They also keep this information hidden from consumers so they are not aware of this so the bank can make more profit at the expense of consumers, by falsely letting them assume their payments are on time, when they farudulently cut the time off at XXXX. This is fraud, and deceptive banking practice. 

On XX/XX/XXXX, at XXXX, I attempted twice with Capital One to get this erroneous and fraudulent charge of {$36.00} removed, which was charged on the date I made a payment, when the payment was due. I also asked to speak with a manager, by the name of " XXXX '' who also refused to credit this fraudulent charge. I asked him why am I being charged for a payment I made on the same due date, and he stated, " You have 29 other days to make the payment '' and also refused to address it or fix it. He also refused to give me his last name. Odd banking behavior for a major bank and completely unacceptable. I am asking for someone to intervene as this bank can not be trusted to do the right thing and refund fraudulent charges. This is how this bank makes profit. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Captial One Acct Number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX/ account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XX/XX/XXXX I made a payment of {$500.00} from my savings to my credit account. This payment ( unauthorized ) was doubled totaling {$1000.00} while only {$500.00} went to my credit account. Thus {$500.00} disappeared from my account, no one knows what happened or where that money went. Upon me trying to resolve this through the bank, they took the {$500.00} payment I DID intend to make on XX/XX/XXXX and transferred back into my savings, raising my credit balance, making me at great rest for extra fees, and lowering my credit score. Then I tried calling again to resolve said issue ( s ) and a few days later they took YET ANOTHER {$500.00} from my credit balance to resolve the issue, this one was on XX/XX/XXXX. Again, I DID NOT AUTHORIZE THEM to move any of this money. Now {$1500.00} is coming and going from my various accounts, unauthorized. On XX/XX/XXXX I got an email saying they deposited {$500.00} into my account and that the issue was resolved. THEY DID NOT DEPOSIT THE MONEY INTO MY ACCOUNT. Upon trying to talk to them about this they were rude, unhelpful, not understanding, and upon me asking to talk to a higher up or a specialist, they would transfer the call back to a base level customer service person, in which they would make me explain what Ive explained to now 8 different people within Capital One, been on the phone for HOURS with no help, no information about what happened to my money or why they were going into my accounts and moving money around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi my name is XXXX XXXX and im an victim of identity theft. I tried to handle this issue with credit bureaus but no help there .Someone applied for a credit card under my name and it shows on my credit report.Creditor sends a result of investigation as everything is accurate so im attaching the documents I sent to bureaus this account does not belong to me.Also another account that shows late but that late wasn't my fault and I notified the company too .I sent them my XXXX XXXX XXXX  results that I was in hospital  and before that I sent my payment by mail and I don't know why they returned the mail I sent so it was not my fault to be late.

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 2022-04-04 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: CA

Complaint narrative:
Hi my name is XXXX XXXX and im an victim of identity theft. I tried to handle this issue with credit bureaus but no help there .Someone applied for a credit card under my name and it shows on my credit report.Creditor sends a result of investigation as everything is accurate so im attaching the documents I sent to bureaus this account does not belong to me.Also another account that shows late but that late wasn't my fault and I notified the company too .I sent them my XXXX XXXX XXXX results that I was in hospital and before that I sent my payment by mail and I don't know why they returned the mail I sent so it was not my fault to be late.

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 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In XXXX, I contacted Calling XXXX and wanted to receive daily calls because I live alone. The fee was {$170.00} and I gave my Citizens Bank debit card. A few days later a Company called XXXX XXXX XXXX called me that Citizens denied payment. I was not told XXXX took care of their accounts. Once they said Citizens didn't pay them, I gave XXXX another payment. What then is the issue? Either Citizens paid or didn't. If they didn't pay why hold my money? 
I called XXXX. they said once the payment was denied, they destroyed all the paperwork. They do not have anything to show. 
My problem with Citizens is that they should have a record of when and to whom they paid the money. They are asking me to show information which they should be doing. 
I sent two letters and sppoke over the phone two or three times. I have copies of the correspondence between the bank and me. The claim # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing his complaint because the bureaus have refused to remove the disputed accounts from my account and they have been very stern despite my numerous attempts to contact them to have the negative accounts dispute. I am seeking your help regarding this and I would appreicate it if can talk it out with them to remove the Bankruptcies and under negative accounts that are wrongly placed in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I checked my online Bank of America XXXX unemployment account and found that {$15000.00} was stolen from my account. In reviewing the transactions, I saw that three unauthorized withdrawals for {$5000.00} each occurred on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called and reported this to Bank of America immediately on the same day. 
I did not authorize those transfers and my transfer-to account does not show receipt of those transfers. I do not know to where the money was transferred. A claim was opened and I was told it could take up to 45 days to resolve. I called the bank today, XX/XX/XXXX, to follow-up and was told that my claim was denied and no explanation was given. I filed a complaint and submitted a request for reconsideration, knowing that there could not be any possible evidence to find me liable for this theft. 
I spoke to a bank supervisor who reopened the claim and said it is unacceptable that there is no explanation and he told me to file a police report which I did. I have been calling 2 to 3 times a week and filed complaints and yet nothing has been resolved. I have faxed them the police report, the FTC ID Theft report, a written statement, and my photo ID. 

The written agreement with the bank says that I am zero liable for fraudulent activity and I know that I did not withdraw those funds, but the bank still to this date XX/XX/XXXX, has not restored my money and I am in financial hardship because of it.

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