vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 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: GA

Complaint narrative:
I had planned on attending a graduation in XXXX on XX/XX/2022. XXXX XXXX stated they had to cancel my flight due to scheduling difficulties. I traveled on XX/XX/XXXX to XXXX. I had reserved a car with XXXX through XXXX and I requested a refund due to the situation. I called XXXX and XXXX with no help in sight. Then I filed a complaint with my own credit card Citi, proving them a letter from XXXX XXXX stating that they had cancelled my flight. Consequently, after going back and forth with Citi and speaking after speaking with XXXX today trying to explain but he stated they could not accommodate me and that if I did not have it in writing as to XXXX XXXX XXXX stating that I am entitled to a refund, CIti was not a part of this dispute. Consequently, since I do not own a plane it appears that the extra money I paid is justified and that I have no recourse even if my flight was cancelled by the airlines. Further, since I did not ask them for a refund that basically I have no recourse. It appears, Citi has sided with the vendor that they are not obligated in any way to refund me. 

I am hoping that you can find an amicable solution to this matter. 

Thank you. 

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 2022-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Apelles, LLC
State: CA

Complaint narrative:
The name of the company is XXXX, which now referred my debt to Apelles XXXX XXXX. In XX/XX/2020 I lost my job due to Covid. I called XXXX to cancel my security services since those were not a " necessity '' and I was focus on paying my mortgage, main utilities and food. 
XXXX convinced me to keep their services and would bring my monthly fees to {$10.00} a month opposed to {$60.00}. Since I was already a long term customer, I chose to keep my security services since the amount was bearable. After 9 months, services went up to {$60.00} and I called to cancel because the person who took the information did not do it correctly, he was apparently working remotely from home. I called every month over and over because the amount was increasing. Every time I called XXXX 's customer service, the person claimed he did not know how to disconnect services, others put me on hold for hours, others claimed they couldn't do it remotely for me to call back in a couple weeks. It was always an excuse. This went for about 6 months until they called me to collect. This was completely unprofessional and unfair on XXXX 's behalf because they took a bad situation and state of emergency to take advantage of the consumers because XXXX didn't have the resources during Covid to follow through with the requests. I did not activate my alarm services from XXXX for over 7-8 months so I don't owe them the {$290.00} they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX holds a personal account at Capital One. 

I was approved for a 1st and 2nd draw of XXXX and my loans were deposited by my lendor XXXX XXXX into my Capitol One Bank account XXXX account number : XXXX ) on XX/XX/XXXX and XX/XX/XXXX respectively. Capital One has told me that XXXX requires a business account in order to access my XXXX funds. However, as an independent contractor, I have the right to receive XXXX and do so in my personal bank account.. On XX/XX/XXXX Capitol One requested I send my XXXX Tax Returns and a bank statement showing tax refund deposit, which I did and then on the following day, I confirmed Capitol One had received these documents. I was told to wait until the investigation was over and then received a letter on XX/XX/XXXX that my account had been closed. After calling Capitol One I was told my funds were sent back to my lender, XXXX XXXX. XXXX XXXX XXXX  has no record of the funds being returned. 

On XX/XX/XXXX I returned to XXXX XXXX  with the attached letter and supporting documentation showing that I can receive these funds in my account and Capitol one refused to receive my documents and once again informed me that they no longer had my funds but could not give a date for when the funds would be delivered to XXXX XXXX. 



Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: OK

Complaint narrative:
On XXXX I reached out to XXXX, Equifax, and XXXX and talked to XXXX from XXXX, XXXX from Equifax, and XXXX from XXXX. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The account that they are reporting is showing inaccuracies and inconsistencies and they are obviously reporting this illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: OK

Complaint narrative:
On XXXX I reached out to XXXX, XXXX, and Experian and talked to XXXX from XXXX, XXXX from XXXX, and XXXX from Experian. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The account that they are reporting is showing inaccuracies and inconsistencies and they are obviously reporting this illegally.

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 2022-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
I received an email ( attached ) from this company. I have no idea who this company is, nor have I ever done business with them. They are using these emails in an attempt to either phish or advertise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
Dear California Department of Financial Protection and Innovation, The following correspondence is in reference Chime, where I am a customer. On XX/XX/XXXX, my job deposited in account {$1300.00}. I accidentally transferred {$1200.00}. from my personal bank account.I alerted my bank and Chime about this error.I was trying to transfer {$1200.00} from the Chime account to my personal bank account. My bank put in a claim. Instead of refunding me the {$1200.00}. Chime instead deducted $ XXXX.from my direct deposit of {$1300.00}. On XXXX XXXX, I received another direct deposit in the amount of $ XXXX.Chime again deducted {$1200.00}, from my account, this time on their own terms.I did not make any transaction, as I awaiting my check to be cleared from Chime. I alerted Chime, who told me on XX/XX/22 that my account is in the negative and they don't have my money. In total I am out of _ {$2600.00}. On XX/XX/22, I contacted both XXXX XXXX  and Chime, both institutions are blaming each other, while my funds is in question.Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV FUNDING LLC XXXX Have contacted me several times and got no answer. They've contacted my wife several times asking her to verify information. If the account belongs to me why don't they know the information they are asking for. I feel harassed. They call whenever and try to talk to you rough as if they are demanding. This account does not belong to me and by law after 4 months this account can not be sold to another debt collector. I feel as if my rights are being violated and this creditor is hurting my credit & my ability to obtain new credit. Also in accordance with the Fair Credit Reporting act # LVNV FUNDING LLC XXXX Account 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 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. I want all the attached accounts to be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I asked the credit reporting agency XXXX and Equifax to verify the account XXXX which I did not benefit or authorize nor do I have any benefit from to verify these accounts and they failed to dos.Iaskedthe original creditors and credit reporting agency. Therefore I am formally making this compliant against them because my rights per FCRA were violated and the credit reporting agencies sill reporting this fudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have not been over 30-days late, but it shows that I have on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: Lendmark Financial Services
State: SC

Complaint narrative:
On XX/XX/XXXX there was an unknown hard inquiry on my XXXX credit report showing that someone tried to get a personal loan from LendMark Financial S using my name. They also knew my address and my current employer as well. I did not take out a personal loan at all. Now its showing on my credit report as a hard inquiry. I found out that the person did this in XXXX SC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
OK, on XXXX XXXX I opened a checking & savings account at b of a. There was a transaction from my edd b of a account on my new b of a account on a statement that they said was a clerical error. There were other problems so I closed both accounts on XX/XX/2021 and reopened another checking and savings. And for some odd reason the initial account that I had closed on XX/XX/XXXX stayed open until I had stopped receiving ssi checks. I recently found this out through my recent investigation I did myself. Being homeless at that time I really didn't have the time to thoroughly go through my statements until XXXX of this year when I housed. Going through the statements thoroughly I saw a numerous amount of bank teller withdrawals and other transactions I did not do. Most of the transactions I was filing claims on they refunded immediately without any Investigations. The bank teller withdrawals which came to approx. {$2500.00} from my checking and savings were not completely reimbursed. Approx. {$700.00} from my checking was reimbursed and approx {$300.00} from my savings was reimbursed. I never got any reasons of how this happened because both banks these transactions happened at know me very well. There's been approx {$1000.00} more withdrawals since then that I did not do and since I said I was going to get a lawyer, they are putting me off stating they will talk to the lawyer. Now these are actual bank teller withdrawals that they have agreed are fraudulent by refunding the money but refusing to refund the remaining fraudulent bank teller withdrawals. I am not doing anymore transactions now until I get my money back. I desperately need help. There was also a tax lien that they had no right taking any money out since I was receiving ssi but took it out of the account that was closed making it a negative balance that I owed. All of the money was returned to my open account leaving a debt in the closed account. I have all of the paperwork and letters from them showing all of this is true. Please help me. I'm trying to add photos of statements and letters from them but it's not working!!!! And it says I can't add more after I submit. Please email me to add these on. PLEASE

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 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I got a email stating I was denied but when I was in the bank the banker told me I was approved for a credit card

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 2022-11-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Collection Account # XXXX 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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
After checking my credit report, I noticed some inaccurate account information reporting under some accounts, in addition this account does not and has never belonged to me. Nevertheless, Account listed XXXX XXXX # XXXX currently shows a payment made on time in XX/XX/2022 but has listed XXXX for the actual date of last payment. Also, the balance of {$860.00} doesn't reflect the same balance being reported from XXXX XXXX XXXX XXXX. 

It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-11-02 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: TX

Complaint narrative:
I received a call from Capital One this week asking me to verify that I had applied for a XXXX credit card and a XXXX card on XXXX XXXX. I had not. 
Today, ( XX/XX/2022 ) I received a call from XXXX XXXX advising me that applications for XXXX XXXX cards using my name, birthdate and social security number were submitted on XXXX XXXX. Neither of those was a legitimate application, either. 
I contacted my bank to let them know about the fraudulent activity and was told to also reach out to the FTC fraud-reporting site and was redirected here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Comenity Bank calls me all day, every day. I receive at least XXXX calls each day from various numbers and unknown callers- all of whom are a representative from Debt Collection at Comenity Bank. 
This is all in regards to an an outstanding balance on my XXXX XXXX 
When I answer the phone, I am told that if I do not make a payment they will send me to collections and my credit will be damaged. When I ask the representative to access my account, they are unable. They claim my account was damaged by the system update so they are unable to do anything. 
They will send me to every department to repeat my story until I am given to a supervisor. I have now spoken to over 50 supervisors who have told me they have either left notes or submitted tickets to fix my account. Still, I receive threatening calls, emails, text messages and letters to my home. Most of which claim I owe them hundreds of dollars more because payments are late. They are harassing me over an account they too can not access. 

The last supervisor I spoke to told me if this account gets sent to collections, Comenity can not promise to resolve the issue. 

This has been my daily norm since the day I opened the account- XX/XX/2022. 

I have sent XXXX rounds of certified mail to the company - exact copies to both the Customer Care department and the Disputes department. Each received and signed for by a XXXX XXXX. The first round of mail included screenshots and a letter of my account info, communications and an outline of my issue. The second round included updates and checks to cover the full balance ( in the hopes they could process a payment that way. ) I have been ignored when I try to resolve this issue, and harassed with phone calls starting early in the morning all the way into the night.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My complaint is against XXXX XXXX XXXX XXXX  ( XXXX ) and the XXXX Credit Bureaus ; XXXX, Transunion, and XXXX. XXXX has reported incorrect payment history on my consumer profile reporting that I was 30 days past due in XX/XX/XXXX and 60 days past due in XXXX of XXXX. However, my account was opened on XXXX XXXX XXXX, with the first payment due by XX/XX/XXXX. In XXXX I made my payment, bringing the next bill to be due by XXXX XXXX. A payment has to be 30 days past due before it can be reported as past due on my credit report, but on XX/XX/XXXX I was reported as 30 days past due already. How Can I be 30 days late in XXXX on a bill that is due in XXXX? I called XXXX and asked them to update the payment history. They explained that they could not make any changes on their end and the discrepancy would have to be disputed with the Credit Bureaus. The late payment statuses were hurting my credit so badly that I Submitted disputes of incorrect payment history to the XXXX credit Bureaus. XXXX ( online ), XXXX ( online ) and Transunion via written letter ( see attachment of dispute records ). I also called XXXX on XX/XX/XXXX and asked that If I were to pay the account off in full if they would remove and cease all reporting of this account on my credit profile. They accepted my terms, and I paid the account balance in full the next day ( see attachment of receipt ). 
The Credit Bureaus have failed to conduct a full and thorough investigation which is a violation of my consumer rights. Not only that, but per my credit report pulled in XX/XX/XXXX it's evident that the " In dispute '' remarks had never been attached to this account that I had disputed. Which is ANOTHER violation my rights under the FCRA. I have the right to an accurate and complete credit profile, but the data furnisher XXXX XXXX  ) reports inaccurate and inconsistent information between each of the XXXX Bureaus. such as ; Payment history N/A on Transunion report XXXX and different payment history between XXXX and XXXX, XXXX date last active is also different between all XXXX Bureaus, The high balance reported is also inconsistent ( see attachment on XX/XX/XXXX credit report ). How have they conducted a full and complete investigation and verified everything as accurate when this account clearly remains inconsistent and full of errors and violations? I want this account removed from my credit profile 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