vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Hello My name is XXXX XXXX, I lost My Bank of America credit card in XXXX, Someone used my credit card, in XXXX, Fraud I disputed the charges which I didnt make but month later bank Bank of America told me Im responsible for that charges which I dont recognize that charges. 
Please help me Thank you

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 2023-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of Errors A person shall not furnish information relating to a consumer to any consumer reporting agency if - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this XXXX XXXX XXXX CAPITAL ONE NA Inquiry : XXXX XXXX, XXXX CAPITAL ONE Inquiry : XXXX XXXX, XXXX CAPITAL ONE Inquiry : XXXX XXXX, XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX. XXXX, XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. 

Citibank be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPB, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and Citibank This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness.As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 

Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. Citibank as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
MY INFORMATION WAS BREACH FROM CAPITAL ONE CREDIT CARD I HAVE BEEN BEGGING TO HELP ME I CALLED THEM HOW AND WHAT HAPPEN FROM {$3000.00} BECOME ALMOST {$9000.00} I TOLD THEM I HAVE NOT USED THE CARD I HAVE NOT APPLIED FOR GYM MEMBERSHIP OR NOT APPLIED TO ANY TELEVISION SHOWED EXPLAINING IS NOT ME I DO NOT KNOW THE END OF THE YEAR AFTER FOUND OUT THAT I AM ONE OF SETTLEMENT MEMBER AND PROVIDED PIN NUMBER SIGN UP TO IDENTITY.DEFENSE AND XXXX AFTER THE COURT WAS RULE CAPITAL ONE CREDIT IS RESPONSIBLE FOR MILLIONS OF MEMBER INFORMATIONS WAS BREACH AND FOUND IN THE DARK WEBB INCLUDE MY INFORMATION TILL TODAY CAPITAL ONE CREDIT NEVER ASSISTED ME IGNORE MY CONCERN NEVER OBLIGATED TO BE RESPONSIBLE FOR WHAT HAPPEN CAPITAL ONE NEGLECTED ME AND LET THE COLLECTIONS HARRASSED ME EVERY DAY FOR THE AMOUNT THAT NEVER OWED MY CREDIT SCORE FROM EXCELLENT TO POOR NOW BECAUSE THIS STRESSFULL INCONVENIENCE FOR ME I WORK EVERYDAY AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE NOT EXPECTED THIS TO ME HOPING NEVER HAPPEN TO OTHERS I BEG FOR HELP NEED HELP TO BRING BACK MY IDENTITY TO NORMAL. PLEASE LET ME KNOW MY NEXT STEP I AM EXHAUSTED EMOTIONALLY PLEASE HELP ME... I WANT MY EXCELLENT CREDIT SCORE AND TO BACK NORMAL I DO APPRECIATED AND THANK YOU IN ADVANCE ALL MY INFORMATION IS OUT THERE NOT KNOWING WHATS NEXT PRAYING TO GOD NO MORE CAPITAL ONE NEGLECT ME NEVER HELP ME NEVER GAVE ME THE RIGHT EXPLANATION THAT I DESERVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I had deposited {$500.00} into my spending account. This is all of my money and I planned to use it for living expenses and food. Robinhood restricted my account sending me an email saying my account was restricted due to unusual activity and because they were unable to reach me. I contacted them uploaded my ID to identify myself and submitted bank statements that they requested, and I confirmed all the activity on the account is mine. They verified me, confirmed there is no unauthorized activity and they have not removed the restriction on my account. I called them everyday to tell them I need access to my own money but everyday the only response I get back is that they are reviewing my account still. My account does not even have that much activity to review, I told them they can review as much as they want while my account is unrestricted also. But it has been 2 days and my account is still restricted. I am hungry and cant even buy food because they wont let me use my own money. They wont even let me close my account to get my money back. They are harming me and withholding my money unreasonably.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I just turned XXXX XXXX XXXX. I never had any phone line or internet service under my name. till today my phone line is under family member name. 

I see a collection under my XXXX but not XXXX or XXXX. I disputed and it came back as " verified '' I have never has any business or dealing with charter communication. No letter was sent to me to inform of debt or collection. Suddenly on my credit report they show up. 
This 100000 % fraud and scam by this company : AMSHER COLLECTION SERVICES INC XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: MO

Complaint narrative:
I have no affiliation with the creditors in question.

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 2023-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of Errors A person shall not furnish information relating to a consumer to any consumer reporting agency if - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I opened these accounts in XXXX and was doing well with them, then Covid-19 hit causing financial destruction for my family. During the Pandemic of XXXX, I had XXXX and I had to be off work without any pay, and the only way I could feed my family was to charge food and utilities on my AMEX Card and XXXX XXXX. Since that time, I have not been able to bounce back to pay those card up or off. Now I am off work with an illness and the bills keep coming as I have not worked since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have Fifth Third checking and savings accounts and also a safe deposit box. I use Fifth Third 's Bill Pay Service regularly. One of my accounts registered within bill pay is XXXXXXXX XXXX. 

I scheduled a {$2000.00} payment to be made to XXXXXXXX XXXXk through Fifth Third 's Bill Pay product. Instead of Fifth Third sending the {$2000.00} payment to XXXX XXXX, they sent the payment to XXXX XXXX. I do not have XXXXXXXX XXXX  listed on my bill pay service through Fifth Third. I don't know where they got the info to send the payment to XXXXXXXX XXXX 

When I saw on my account that a {$2000.00} payment had been sent to XXXX XXXX I called Fifth Third and asked them to make the correction as this was their error. They said there was nothing they could do and I had to call XXXXXXXX XXXX  and figure it out on my own. This error was clearly the fault of Fifth Third and they should have rectified their error. They refused to do so. 

I just spent the last hour on the phone with XXXX XXXX to attempt to get the {$2000.00} payment mailed back to me. They explained the misapplied payment has to go back to Fifth Third electronically and then to my account the same way it came out. 

I do not trust Fifth Third to redeposit the {$2000.00} back to my account when they receive it from XXXX XXXX. Please conduct an in-depth audit on how Fifth Third does business, how this horrendous error could have occurred, and why they require the consumer to rectify their errors. {$2000.00} might not be a lot of money to some people but it is to me. 

Fine Fifth Third substantially if you can, and require them to rectify their own errors instead of having the consumer take off work to fix Fifth Third 's mistakes. In addition, please require them to immediately redeposit the {$2000.00} back into my account. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: MS

Complaint narrative:
Credit Karma churned me in getting high interest rates credit with fees that will take me a long time to pay with low credit limits that actual hurt my credit scores. Credit karma also said that I was approved for loans that I wasnt and my credit was pulled. Also, one loan they said I was approved and it wasnt a loan but cash advance with high fees and they falsely giving me credit scores to make me believe my credit score is low so I fall victims for those awful credit cards with high fees and telling me im approved for a loan car and I was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I contacted Chase to dispute a charge. I paid the merchant on XX/XX/XXXX for a future service that would not take place until XX/XX/XXXX. At that time I realized that the merchant overcharged me. When I opened the dispute on XX/XX/XXXX the representative ( Im sure call was recorded ) was adamant that I only had 115 days to submit claim from the date of the charge. I submitted it in the advised time frame. Later on XX/XX/XXXX my claim was abruptly closed by Chase. On XX/XX/XXXX I was advised by the rep in the claims department that I only had 60days! Im now filing a complaint against Chase because I was misled by their representatives and its obvious that I was not told 60 days on XX/XX/XXXX or the representative would have never opened my claim at that time. As a result of Chase inconsistencies this has caused me to lose the opportunity of recovering the {$300.00} that I was overcharged. I have been a loyal Chase credit card holder since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2023, I received an email from Wells Fargo stating that my credit card request was approved. I received a follow up email stating that my balance transfer had been approved, from an account that is not mine. 
I forwarded these emails to the email address listed on the wells fargo web page : If you did not respond, forward the suspicious email/text message to reportphish@wellsfargo.com No response! 
On XX/XX/XXXX, I called Wells Fargo and was routed to somone who took all of the information, and confirmed they had opened an investigation and the card would not be activated. They also stated that I would receive a follow up call to collect additional information if needed. The number called was XXXX. 
No response! 
On XX/XX/XXXX, I received a new credit card in the mail, and a letter from Wells Fargo regarding my credit report. I immediately called the number on the card and was told that the card was active and my balance transfer was approved. 
I stated that this is fraud and the card was not requested by me. I was transferred to another person who again asked the same questions as the person I spoke with the previous week. There was no record of my previous call, according to that rep. 
They then asked if I wanted to keep the new card and keep the account open. 
I may have yelled at this point, as I had clearly never wanted the card, and did not request it. They confirmed that the account is inactive and the balance transfer would be denied. 
I have no faith that they can handle this, and assume that they are just creating new accounts for customers without their permission.

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 2023-05-17 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: FL

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 : 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, 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 items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting 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 explanation
Consumer complaint received 2023-05-17 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: FL

Complaint narrative:
Hello my name is XXXX XXXX XXXX and a few of my federal rights have been violated! 

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, as well as some of the following rights also!

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX : ACCT # XXXX, XXXX XXXX  : ACCT # XXXX, XXXXXXXX XXXX XXXX : ACCT # XXXX, XXXXXXXX XXXX XXXXXXXX : ACCT # XXXX, XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX : ACCT # XXXXXXXX XXXX XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX : ACCT # XXXX, XXXX : ACCT # XXXX, XXXX : ACCT # XXXX, XXXX XXXX XXXX : ACCT # XXXX XXXX XXXX XXXX : ACCT # XXXX XXXX XXXX : ACCT # XXXX XXXX : ACCT # XXXX XXXX XXXX XXXX : ACCT # XXXX XXXX XXXX XXXX XXXX : ACCT # 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 2023-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
opened an account and they closed it for some odd reason

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation