vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I got a letter from Capital One saying that my card has been closed because of the activity that does not align with Capital One and to cease using the card and throw it away. 

When I called to understand why it was because of the amount of returned payments on my account, but this was a banking issue. I was selecting the wrong account to withdraw payments, thus the payment kept returning. I forgot that my bank sent me new cards and account information. 

I never got a warning that this would happen about returned payments or even a call to warn me. 

Today is XX/XX/XXXX. I have been struggling to make the payments on time so I do not get a late fee or extra interest charges. I also got a pay cut at work while I am training for a better position with increased pay. I am working to get my finances together so I called Capital One to see if there are any options but I was told due to the account status and the way that it was closed there are not any option. None at all were their exact words. This is impacting my credit which I understand why but when I try to dispute or plead my case, I am met with theres nothing we can do. The account is completely locked, and there are no options, but for you to pay it all off at once. 

I would love to work with them to get this balance, squared away which is approx. XXXX but every little {$100.00} payment that I can make does not help chip away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I hope this email finds you well. My name is XXXX XXXX, and I am currently working with Wells Fargo to receive the title for my vehicle in order to complete the registration process in New York State. As you may be aware, New York law requires vehicle owners to transfer titles and register vehicles within 30 days of establishing residency in the state.

However, I have been informed that the release of my title will take 30 business days, which exceeds the legal time frame I must adhere to for registration. I am concerned that this delay may result in unintended non-compliance with DMV regulations, along with potential penalties.

I kindly request the following to help me stay in compliance : Expedited processing of my vehicles title, if possible.

A written statement confirming the reason for the delay, which I can provide to the New York DMV as documentation.

I understand that since my loan is still active, the title is held by Wells Fargo under a lien. To comply with New York State registration requirements, I kindly request a written statement confirming the lien and the status of the title, which I can present to the DMV.

Your assistance in resolving this matter promptly would be greatly appreciated. Please let me know if additional information or documentation is required from my side to facilitate the process.

Thank you very much for your attention to this matter. I look forward to hearing from you soon.

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 2024-10-21 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: TX

Complaint narrative:
The sequence of events of the incident transpired between XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX2024 thus far. The investigation is still transpiring a court hearing is scheduled for XX/XX/XXXX2024 Police report was made On XX/XX/XXXX and again on XX/XX/XXXX regarding an individual who stole and held possession of my confidential and personal identifiable information and documentation.

Since there has been multiple Hard inquiries on being reported to my consumer profile and is negatively affecting my consumer profile and FICO score. 
My XXXX  XXXX credit that was also included in the items stolen has an increased limit during the duration of the incident - that was also reported.

All Credit cards and documents have been reported stolen and replaced.

I have contacted the companies to verify information that was used in attempt to create any known inquired accounts.

A Freeze has also been placed. XX/XX/XXXX Hard inquiries listed on Transunion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
I made a deposit by check through mobile, it was XX/XX/XXXX and I know that it could be the scam so i waited to be settled in my account. After few days later the balance was not pending but become part of running balance. And I also tested by using it so make sure it is part of the funds. 
The check was part of my work payment, XXXX dollar was the part of my XXXX work contract. XXXX was for travel and XXXX work. 
On XX/XX/XXXX, this is the point I send XXXX  since I got paid. After I transferred the fund they immediately freeze my account, without any notification. I thought it was because of amount of I used for work. if they have inspected it was a scam i wouldn't transfer the amount. Also the agent told me there is no pending or negative balance on XX/XX/XXXX. But when I called the bank, they just told me there is just a simple problem on my account and told me no negative balance. So, the agent told me to wait for the review, and wait for 60days. But the only email I received was Action needed on XX/XX/XXXX for negative balance. 
Since I did not get any information from bank and they suspended my mobile banking account, I had no idea what is happening on my account. 
I still did not get any call from bank, only information I got here is the call that I made. 
I'm totally sure the fault of this happened is because of the bank. 
They did not ask about information about scammer, agent did not ask about the situation. And never got call back from bank about the inspection. They never told me it was because of scam just told me the account is under review. And never told me the check was bounced or rejected. No way to know what is happening because before the suspension of the account, the balance was running. 
And Today XX/XX/XXXX, I called back to bank they finally told me the check was the problem. I have no idea why should i be In Charge of this case, because they should've not allow the transaction if it was bounced and also they should've let me know the problem was because of fraud check. 

Bank name- Schwab bank Amount- XXXXUSD Date i deposited- XX/XX/XXXX Got notified XX/XX/XXXX, by the call i made Actually not notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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  I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

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 2024-10-21 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: CA

Complaint narrative:
There is an account and address that is reporting on my credit report that dose not belong to me. 
I have sent multiple letters to the bureaus and called i provided my drivers license for verification proposes that the account and address dose not belong to me. They are not removing this unknown account and address off my credit report I have even filed an FTC Report with my drivers license. This is really concerning i do not want someone else 's address and account on reporting 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 2024-10-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for a Citi Diamond Preferred Card with CitiBank in late XX/XX/ 2024 with the intent of receiving only pre-approval information to make a final decision based on that. However, upon applying, I was placed into a pending queue. Then, days later, I received a letter in the mail stating " We need some additional information regarding your application ''. When I acted upon this request via Citicards.com, the website was not functional, so, alternatively, I used the phone number provided on that same document : XXXX, where I was only prompted to enter my ZIP code. Upon doing this, however, I was instantaneously and officially approved- without warning, without pre-approval rate knowledge, and without consent, most importantly- for the credit card and told that it was on the way via mail. This is an extremely deceptive practice.

When I tried calling, of course, I all got was a pre-recorded line that wasn't capable of addressing the situation, so I tried using the online chat. After getting through the bot, an agent just read from a script, offering the same phone numbers I had been calling. Finally, I just started calling the application hotline ( most likely in XXXX many of the representatives were also clearly using VoIPs and probably off-site servers from the sound of the audio quality ). There, I was just passed around 3 or 4 times to what was supposed to be customer service specifically for my issue, but they were clearly just people who didn't understand the issue and/or couldn't help, usually saying that they " only work in applications ''. 

Before the forced approval, the application ID and reference number that would have been used were XXXX and XXXX, respectively. I want this application to be as if it never happened without negatively impacting my credit score. I want them to undo the approval and whatever else they did when I gave them my ZIP code. I do not intend to activate the credit card being mailed to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/year> XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have fraudulent charges in this account. 
I am requesting all credit card statements since I am have opened the account. 
The company Did not provided the Credit Card Statements. 
XXXX did not contact the company with accuracy to see the unauthorize charges and fraudulent events in my account.

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 2024-10-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After three years of being told wrong information and getting the run around I've finally got somewhere with boa. Sadly, it was just a little bit of false hope. 
The boa specialist I was assigned XXXX actually talked to me on the phone. I'd have to call, leave a message, and 24 to 48 hrs I'd get a call during their posted business hours. Not only did the first call back a week after I messaged them came in, it was two hours after they were supposed to be closed.

So after three weeks of leaving messages I emailed them to which I got a reply to call them. 
After reapplying the disputes for the money stolen from my account several times, they have approved two of eight. Those two being the smallest amounts out of order in which I filed them. 
All others have been denied for a laundry list of reasons that I have proven to be false with evidence. 
I had no control of my XXXX  account or boa debit card account. I filed for fraud that neither sides would take serious due to lack of security question answers, email, or addressing I didn't setup. 
Boa has wrecked my life from this. I've lost everything and I'm struggling just to reclaim my identity back from this event.

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 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding Portfolio Recovery Associates , LLC 's attempts to collect a debt associated with a XXXX XXXX XXXX credit card account that was fraudulently taken out in my name. This account was not opened by me but by someone else who stole my identity. The fraudulent activity has been reported to the Federal Trade Commission ( FTC ), and I have taken all necessary steps to document the identity theft and protect my credit. 

Despite my efforts, Portfolio Recovery Associates , LLC continues to pursue collection of this fraudulent debt, causing undue XXXX  and further damaging my credit. Additionally, this account and related collection efforts continue to appear on my credit reports with XXXX, XXXX, and XXXX, negatively impacting my credit score and financial well-being. 

I am requesting that the Consumer Financial Protection Bureau intervene in this matter to : 1. Ensure that Portfolio Recovery Associates , LLC ceases all collection activities related to the fraudulent Synchrony XXXX XXXX card account immediately. 


2. Have the erroneous information regarding this account removed from my credit reports with all three credit bureaus.

3. Prevent any future attempts to collect this fraudulent debt, as I am not liable for it.

Please let me know if additional documentation is needed to support my complaint, such as the FTC identity theft report or correspondence regarding the fraudulent account. I look forward to your assistance in resolving this matter and restoring my credit to its accurate and rightful status. 

Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
False statement and representation : Failed to provide Debt validation and verification confirming details of debt, Legal ownership of debt including original contract & payments. US federal codes 15 USC 1692 ( c ) Experian continues to report collection every single month for XXXX XXXX XXXX  XXXX and XXXX. By doing so, it unlawfully extends the statute of limitations of last reported use as well as impacting my credit screw as a new charge off every single month and lowers my score compounded every month

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
i want all my everything removed from my credit report because i didnt authorize anything my data was leaked due to data breach

Company response to consumer: Closed with non-monetary relief