vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I discovered a credit card issued by Capital One was opened fraudulently in my name, using an address that I have never lived at. I called Capital One in XX/XX/2023 when I first learned of the card and asked them to close it immediately - there was a {$0.00} balance at that time. I was on a recorded line, so they should be able to verify that I asked to close this card. It turns out that Capital One opened a fraud investigation, but did not close the card. Since that time and after several phone calls with Capital One, Capital One mailed me a letter of their investigation dated XX/XX/2023, saying that they found I am responsible for this account because " activity on the account indicates you opened and interacted with this account. '' Charges now totaled {$390.00}. I called and explained that I have never owned/or lived at the property address used to open the card in my name. Capital One said I need to prove that to have my case reconsidered. 

Key Dates : XX/XX/2023- I discovered a card for Capital One was opened fraudulently in my name XX/XX/2023- I called Capital One and asked to have the card closed immediately, as it had a {$0.00} balance - they did not close the card XX/XX/2023 - filed a police report XX/XX/2023 - filed a report on the Federal Trade Commission 's XXXXdentitytheft.gov website XX/XX/2023 - first letter sent to all three credit bureaus - XXXX, XXXX, XXXX XX/XX/2023 - received a letter from Capital One saying they are investigating my fraudulent claim XX/XX/2023 - mailed Capital One copies of the police report and the report filed with the Federal Trade Commission 's identitytheft.gov website XX/XX/2023 - talked with Capital One again who said the investigation was ongoing and it could take 60-90 days XX/XX/2023 - second letter sent to credit bureaus XX/XX/2023 - received a letter from Capital One saying I'm responsible for the fraudulent charges XX/XX/2023 - talked with the Capital One fraud department who said they will not reopen my case unless I can produce new evidence that the account was opened fraudulently XX/XX/2023 - mailed the property owners of the location where the credit application was used to open the card with Capital One asking them to sign/notarize a letter I had drafted saying I have never lived/rented their property XX/XX/2023 - filed a complaint with the Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have sent dispute letters to all three credit bureaus over the course of four months. Their response is a Letter saying Im using a third party credit repair company. Never updating anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX  DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXXXXXX 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  has violated my rights. 

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

15 U.S.C 1681 section 602 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 2023-03-13 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX8110. 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 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-03-13 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: VA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX, Wells Fargo Bank gave us an interest-only adjustable rate mortgage to purchase our first home. 
Borrowers : XXXX XXXX is XXXX & XXXX XXXX XXXX is XXXX XXXX 
Loan Officer XXXX XXXX told us that the interest-only loan was the only loan for which we qualified. We both had 700+ credit scores and were the same risk as every other race and ethnicity. 
We checked those boxes that identified our ethnicity and race on our handwritten loan application. When Wells Fargo typed our applications, they checked boxes to indicate that we're XXXX & then gave us a higher interest rate. There's no interest-only option to choose on our handwritten application form, but the interest-only option appears on the application typed by the bank employee. I called Wells Fargo Bank around the beginning of XX/XX/XXXX to ask about our eligibility re : their recent settlement order for compensation. XXXX XXXX called me back a few days later to say that I don't qualify for settlement order payment. 
Attached is Our Handwritten Loan Application, The Typewritten Loan Application, Our Credit Score Reports from XXXX, Our Interest-only Mortgage Escrow Statements & Interest-only ARM Rider.

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 2023-03-13 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX 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 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX 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. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-03-13 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: NJ

Complaint narrative:
Statute of Limitation on credit card debt and most other debt in New jersey is six ( 6 ) years ( It is four years for auto loans ) I have made a settlement payment to XXXXXXXX XXXX in order to deelete the account but it s still there years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi has owed me over XXXX dollars from fraudulent charges for months. I called them and alerted them to both issues. They have closed the dispute My card was used in an online fraud scam and they said not to worry, but have now charged back a XXXX charge to my account. There was also a billing dispute where I submitted evidence of a XXXX over charge that has not been resolved. 

Below is the letter I wrote to citi after hours on the phone with them. I have received no response. They refuse to resolve this and in addition have refused to resolve an issue where a XXXX unauthorized fraudulent charge on my account. 

I am writing to resolve a billing issue with XXXX XXXX XXXX Dispute ID - XXXX ). This company has demonstrated predatory business practices with me and are unwilling to resolve their mistake. I am attaching a screenshot involving the order in question from XXXX. I had used a promotion code that they sent to my email, this promotion code took the cost of an order from {$300.00} to {$120.00}. When I paid with my double cash credit card I authorized the purchase total of {$120.00}. 

The issue arose a few days later when I noticed I had actually been charged over {$300.00} for this order. I noticed and got in touch with XXXX immediately. They refused to acknowledge the error had taken place, regardless of the screenshot I had provided. I was on the phone with them for over an hour and no one would take responsibility for a simple mistake. They hung up on me and closed my account before I could access any invoices or other proof of their predatory business practices. Their business model revolves around promotions to get customers back, this is exactly what I did. They ended up charging me for an amount I did not authorize. I wouldn't have known they charged me that amount if I had not checked my recent transactions on my Citi App. 

Thank you for taking the time to help me resolve this issue. As a customer my whole adult life, I have always enjoyed knowing that my finances are secure and in good hands with Citi, and look forward to continuing feeling that way about your company. 

Let me know if there is anything else I can do.

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 monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Citizens Bank allowed my account to be over drafted despite the fact that I did not " opt-in '' for the over draft coverage. I called Citizens Bank to ask why and they said that the type of the account I have automatically " opts-in '' account holders for the overdraft coverage and there is no ability to change that. Since my account was originally opened with XXXX XXXX  and then transferred to Citizens Bank, I had no ability to choose what type of account I was transferred into. Citizens Bank should not have transferred customers from XXXXXXXX XXXX  into an account type that automatically enrolled them in overdraft coverage without their consent. Additionally, it took Citizens Bank 1 month to send me a letter informing me my account had been over drafted. It should not have taken that long. Due the aforementioned issues, I would like to be refunded for all of the overdraft fees I have been charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I constantly check my credit report and noticed that there are errors and false misleading information for individuals accounts and didnt meet the credit reporting standards of being XXXX correct. This information has effected my life and damaged my livelyhood. 

This is holding me back from getting approved for a house. I am demanding CFPB to enfore the correction and delete these items. I XXXX XXXX is authorizing this investigation.

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 2023-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: CT

Complaint narrative:
I recently checked my credit report and found a collection on my credit which was deleted by the law office of XXXX XXXX XXXX. I received correspondence from the collection company once and was told the debt is mine and I was responsible for paying it. I have two fraud alerts which were established with the credit bureaus in XXXX and XXXX however the same company continues to shop this debt to a collector attempting to collect on it. This fraudulent transaction was in XXXX and I have included a screen shot where I previously filed a complaint with the CFPB concerning this attempt to collect on this fraudulent debt which is reporting on XXXX XXXX, XXXX, XXXX. 

This account has since been sold to Security Credit Services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: VA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have sent dispute letters to all three credit bureaus over the course of four months. Their response is a Letter saying Im using a third party credit repair company. Never updating anything on my credit report.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have sent dispute letters to all three credit bureaus over the course of four months. Their response is a Letter saying Im using a third party credit repair company. Never updating anything on my credit report.

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 2023-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Statute of Limitation on credit card debt and most other debt in New jersey is six ( 6 ) years ( It is four years for auto loans ) I have made a settlement payment to XXXX XXXX in order to deelete the account but it s still there years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Statute of Limitation on credit card debt and most other debt in New jersey is six ( 6 ) years ( It is four years for auto loans ) I have made a settlement payment to Chase bank in order to deelete the account but it s still there years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express offers a feature to pay for each transaction you make during a statement period. This is a nice feature to allow consumers to try and reduce balances that are assessed interest. The problem is that American Express only allows the consumer to pay for up to 5 transactions per day and then locks you out from making anymore payments. Also, transactions over {$100.00} can not be paid and instead they offer the " Plan It '' feature, with most " plans '' being 24 months. A fee is assessed every month for this feature so obviously the longer the duration of the plan, the more American Express can collect in fees. If you don't opt for this, then that transaction is subject to interest at market rate. With this " Pay It '' feature, I paid off all 5 of my transactions for the billing cycle the day before my bill was due. On the day that my minimum bill was due, I attempted to make a payment in the app and was locked out of doing so. I attempted to call to make a payment but was transferred to a representative that claimed they too were unable to process a payment, that I would NOT be assessed a late fee, and that I would be able to pay that remaining balance the following business day. The due date was a Saturday, the payments were on a Friday and I went back to the app on Sunday where I not only was able to make that payment but I was also charged a late fee. I called to get American Express to honor the statements their representative made regarding no late fees and was told because I had recently had my request to reduce my interest approved, I was not eligible for a waver. This entire process is predatory and anti-consumer. The 5 payments/day and then locking consumers out of any further payments is clearly a sneaky way for American Express to charge late fees to further their profits on predatory intended practices.

Company response to consumer: Closed with monetary relief