vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
The month closest to XXXX of XXXX  my accounts with CAPITAL ONE - Savor ending in XXXX and Platinum ending in XXXX I was sent many times on my capital one account on my phone app to set up a financial hardship arrangement. I answered and did the steps needed to get right with capital one. I had submitted my hard ship due to 3 deaths in my family unexpected funeral expenses that was left to me to bare with making things worse I XXXX XXXX XXXX due to the business closing with much losses due to the pandemic. With doing my best with the past 3 months to keep up with my hardship arrangement capital one has continued to add high interest on top of that late fees on both of my accounts. How do capital one think that this is helping anyone on a hardship, jobless and with this inflation? Capital one has taken advantage of myself who has done nothing but try to make sure I make my payment as best as I can. I called Capital one on XX/XX/XXXX. I requested to return late fees and stop interests accrued to both accounts. When I called capital one representative XXXX did not find any where in the system my hardship arrangement ( Red flag for me ) I then asked for a manager spoke to XXXX whom was no help she kept saying unfortunately ther is nothing I can do. XXXX did not offer any solution nor budged to look into what options could possibly help my situation nor did she budge to look into how the interest could be paused and late fees be retuned to avoid more deep depth. I should NOT be charged minimum finance charges nor late fees in the duration of my hardship payment plan. Both accounts the APR should have been set at 0 % - Not even offer a temporary fee relief to help ease the burden on both my accounts. Both of accounts are restricted from it being used why am I still being charged and penalized? It is sad to know people like XXXX ( manager ) is running this type of company a person that do not care for others with hardship no sympathy nor understanding what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Someone opened a chase card without me knowing. I have called the company and they are putting fraud on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank related issue with our small XXXX XXXX XXXX. 

Date : XX/XX/XXXX - Checks Forged/Account Closed. Checking Account # XXXX in the name of XXXX XXXX, was compromised due to forged checks. Bank notified, transactions reversed and this account was closed on XX/XX/XXXX. All funds in the account were moved to savings account. 

Date XX/XX/XXXX - New Checking Account Established - New Checking Account established on XX/XX/XXXX with Wells Fargo # XXXX in our company name, XXXX XXXX Funds moved from savings to new checking account. 


XXXX XXXX management XXXX Wells Fargo Bank XXXX writes for 3 months to avoid further fraud. Auto payments continued, but all check writes stopped XXXX XXXX - No checks were written. Auto Payments continue. 

XXXX. XXXX - No checks were written. Auto Payments continue. 

XXXX XXXX - No checks were written. Auto Payments continue. 

XX/XX/XXXX - XX/XX/XXXX - First check written. - Check # XXXX, to transfer Funds from Wells Fargo XXXX XXXX XXXXXXXX XXXX and on XX/XX/XXXX - Fake Check with already Closed Account # XXXX and with False Signature presented by " XXXX XXXX from Colorado ''. - Check cashed by Wells Fargo when account no longer exists. Account already closed 3 months back.- Check Amount XXXX ( XXXX XXXX XXXX XXXX and XXXX/XXXX ) - Check date XX/XX/XXXX - Account # XXXX on check which was closed on XX/XX/XXXX - Check # XXXX Wells Fargo is refusing to reimburse this amount. We are unaware that a check using a closed invalid account and fake signature can be cashed. Our attempts to explain to Fraud Specialist and Bank Manger are of no use. - The Fraud Department does not wish to entertain request as it is more than 40 days after the statement closure hence we can not adjust

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: UT

Complaint narrative:
On XX/XX/year> XXXX, my check came in, I went to check my balance and saw that I only had {$48.00} well. I called the bank to ask what was happening and they told me there were XXXX transactions on my account and they gave me a phone number for the place that did the transaction canceled my card and told me to call back and tell him what I come up with will. I called the number and it was Pennsylvania 's licensing state licensing liquor. Department, and I've talked to them plenty times and they need a statement showing them what was taken for me, and how much the bank also took a {$110.00} themselves with no explanation. Why well, since they canceled my card, I've been trying for XXXX solid days. I can't get a life person on the phone. When I do get through it tells me. Call it non peak hours and hangs up on me. All my money was shaken by {$45.00} and I need. The company is willing to give it back to me if I can get what I need from the bank. But the bank I can't get through

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting 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:
I looked at my credit report last month and i saw some accounts that i didn't recognize. I called the creditors and found out that these accounts were open without my knowledge. I called the credit bureaus and followed their instructions but they haven't removed them yet.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have {$86000.00} in federal student loans for XXXX XXXX XXXX and XXXX XXXX XXXX. I hold a job where I am able to pay my loans on the standard repayment plan within the standard 10 year time frame. I have not been able to successfully achieve a simple repayment plan with my servicer Nelnet yet. 

I have 18 separate loans with Nelnet of varying amounts. I initially had repayment dates throughout the month, which meant there was going to be a constant flow of seemingly random amounts of money being pulled out of my bank account. This has made budgeting a nightmare. It took multiple phone calls waiting on hold for upwards of 2 hours to get into contact with Nelnet to get my payment dates changed to the same day. I was told this would take place within a week. 

Weeks later, nothing had changed. I noted that my current payment for my XXXX XXXX loan was {$10.00}. I called again and was told it will take weeks for everything to switch over and that soon my regularly scheduled nearly {$1000.00} payment would be pulled. Meanwhile, I am accruing hundreds of dollars in interest. 

I began making manual payments of {$1000.00} to remain on schedule with my loans. 

I have most recently checked and my payment is now {$300.00}, and my loans are in forbearance. I have accrued almost {$1000.00} in unintended interest. My loans are going up not down, despite me trying to pay them. 

All I would like to do is pay my loans in a regular fashion 1x/month. Nelnet has been unable to manage this simple plan and set up. I am now accruing interest, unable to make my payments towards the interest, and my loan is nearing $ XXXX when I have been trying to pay XXXX XXXX for it to go DOWN. I am becoming a victim of astronomical and unfair interest accrual despite holding a well-paying, high paying job and trying to pay my loans back per usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I purchased three so-called Anti-Freeze Electromagnetic Car Snow Removal Devices for my two grandchildren who have just started driving using PayPal as the payment service. I made the purchase based on written claims, photos, and an AI-type video showing that the device instantly melted ice and snow from car windshields and windows. I was sent three cheap, plastic devices that a representative initially claimed were air fresheners then later claimed that the " XXXX  '' would melt the ice. 

I requested a return label and refund for the fraudulent transaction. The email exchanges I had with the company showed confidence that filing a PayPal complaint would go nowhere. It didn't. Despite attaching photos of the products received, photos of the claims made on their website ( which seems to change names ), and the images and videos of their claims, PayPal 's only response was for me to ship the merchandise back to XXXX at my expense to purportedly be refunded by the same people who perpetrated the fraud in the first place. There was no effort on PayPal 's part to recognize that their platform was used to perpetrate the scam or to require the seller to provide a shipping label for the unsolicited products sent. I am filing the complaint against PayPal for facilitating what is likely widespread fraud by this company and, undoubtedly, many others like it. PayPal 's profits by the fees they charge for every transaction - fraudulent or not. 

PayPal made no effort whatsoever, even when urged, to investigate and stop this fraudulent company from taking advantage of what may be millions of unsuspecting people. Short of me paying to ship the product back, which as an unsolicited product sent to me is not required under US and state law, to a company that could then fraudulently state the package received did contain the products, PayPal did nothing to intervene. The innocent buyer bears the burden of both the fraudulent company and PayPal 's complicity. These companies exist and proliferate because of PayPal 's role in lending their platform for payments despite knowing, via complaints, that these companies are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XXXX XXXX my bank made an electronic payment of the entire amount due. On my XXXX statement, ONCE AGAIN, the payment has not been applied. But late fees and interest have been. MARCUS NEEDS TO SOLVE THEIR PROBLEMS ALREADY! This is not acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX i noticed fraud charges on my card and requested for a replacement. It is my only functioning card and as of XX/XX/XXXX- i have not yet received my card. every conversation with the citi customer representative is " card has been mailed and you should get it ''., Request to get it expediated was not accepted. Worst service to date by the citi 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 non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
After thoroughly checking my credit reports, I spotted some inaccurate Personal Information that need reporting and correction through your company.

I have attached the copy of my dispute letters that were sent it to the Bureaus.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
After thoroughly checking my credit reports, I spotted some inaccurate Personal Information that need reporting and correction through your company.

I have attached the copy of my dispute letters that were sent it to the Bureaus.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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