vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 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: MA

Complaint narrative:
On XX/XX/XXXX I send a dispute to Experian about the following account XXXX  XXXX XXXX XXXX ( Opened : XXXX. XXXX, XXXX, Credit limit {$750.00} ) that was open by someone that stole my identity. With the dispute I also send Experian an Identity Theft Affidavit. I have done my research and I know that Federal law as is stated on the FCRA, sections 605B, 615 ( f ) and 623 ( a ) ( XXXX ), obligate the credit bureaus to delete the fraudulent information in my credit file within 4 days upon receipt of the correspondence. It's been over 30 days and the fraudulent account stills there, and that is preventing me from getting necessary financing.

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 2021-12-16 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX I am filing this complaint myself I am not a third party nor an attorney. 
The reason for my dispute is -FINANCIAL DATA SYSTEMS # XXXX {$510.00}, -FINANCIAL DATA XXXX XXXX XXXX $ XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau XXXX XXXX in writing... under such section XXXX, subsection ( XXXX ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( XXXX ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( XXXX ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, I was on holiday in XXXX on XX/XX/2021 and had an incident with my rental car. I thought my credit card had the rental insurance benefit active when I used it for renting the vehicle in XXXX. However, I was informed after the fact that the benefit was not active and had been removed a month ( XX/XX/XXXX ) before I used the card for the rental charge. I investigated and found out that the capital one had sent the notice that the benefit had been removed to my old address which I had changed in XXXX of 2021 to my current address. There was no way I could have known that my credit card did not have the benefit active. I also have another credit card with the benefit, also a visa credit card of the same type, that I could have used! Ive tried addressing this with both capital one and visa and they have refused to honor the benefit. 

Best regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I called wells fargo to file a claim due to there being over {$700.00} dollars overdrawn in my checking account that i did not make. The person in claims and i verified i did nit make alot of the charges. He said he would file the claim and send me a new card and account nmbr, which he did. The charges were all in XXXX. I waited XXXX weeks and called to get status on my claim, and they ssid it was denied. By now the amount was over {$900.00}. The letter i got said that i had to give my card info and pin number to family member, or authorized the use of my card to someone. Everything overdrawn in my checking is not by me, i will not pay it back, can you help me? My daughter and i were homeless XXXX yrs ago, i worked hard to start over, i can not afford this, i didnt do it.

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 2021-12-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a narrative what happened to me on XX/XX/XXXX of XXXX On XXXX XXXX XXXX1 I went to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX to buy a gas water Heater for my house. That day I decided to paid {$950.00} dollars for the water heater with my XXXX debit card. XXXX XXXX latter {$1000.00} dollars got withdraw at Bank of America ATM. On the next day XXXX, XXXXXXXX XXXX another {$1000.00} dollar got withdraw. Finally on XXXX, XXXXXXXX XXXX another {$1000.00} dollars got withdraw at the same Bank of American ATM location from total of {$3000.00} dollars. On XX/XX/XXXXXXXX XXXX XXXX I was off from work and XXXX 's was the only place I used my XXXX Card. On XX/XX/XXXX I went to worked from XX/XX/XXXX to XX/XX/XXXX. On XXXX, XXXX XXXX I got a text on my cell saying that my valance on my XXXX debit card was {$51.00} dollars. I immediately contacted Bank of America to explained them what happened. I have been calling them 2 to 3 times a week to asked them about my claim. I did a police report and I send them a copy of my California drivers license and a copy of my timesheet were they can see and compare my picture and the people on their cameras. A copy of my timesheet for proof that I was working 6 day straight when that happened. I got two letters from Bank of America saying that my claim if closed. This is the first time this happened to me. Please helped me with this Bank of America claim. This crime is affecting me and my family a lot because my wife and myself we are not working right now. We have XXXX daughter to support and a lot of bills to pay.

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 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
CFPB Complaint ID : XXXX I'm terribly sorry but this is not a finished complaint. Please see my comments : Capital One says, " In addition, per the Terms and Conditions of the XXXX Checking, were only able to accept check deposits made payable to the account holder only. Due to this, we also dont recommend having the checks made payable to both yourself and the third-party as this may cause additional errors even if both endorsements are made. 

Even if I'd gone to a teller instead of using the ATM for deposit, the check already had XXXX payees. 

So my question is : How do we get around this? Can an exception be made? What happens if XXXX are able to reverse payment, recover the funds and reissue the checks? Im faced with the same situation. Will Cap One be able to handle that situation? How? Because, assuming the insurance company ( XXXX ) is agreeable to reissuing the checks, capital One and I will be in the same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX on my TransUnion Credit Report is reporting a payment made on this Charge Off account on XX/XX/XXXX for {$51.00} last payment made on this account was XX/XX/XXXX. This account has not had money sent to it from myself and has been in charge off status since XXXX. Each month they also report activity with Charge off/missed payment. The credit limit listed is {$1500.00} and they are reporting a balance of charge off is {$2000.00} I have disputed this account multiple occasions violating my consumer rights and this company still inaccurately reports damaging my credit score and 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 2021-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
I have reached out to this company by mail and also disputed this account on my credit report, They still not have validated this debt or shown any documents saying that I owe any debt to them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX Showing on my XX/XX/XXXX Credit report terms are revolving and hindering my credit score and report on a charge off account last payment on XX/XX/2018. It keeps reporting C/O each month making this account active on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: KEYCORP
State: NY

Complaint narrative:
I receiveda letter today from KeyBank informing me of a clarification of " the terms of your XXXX account ending in -- --. '' This account apparentlyrepresents a prepaid debit XXXX -- which I do not have and did not open an account for. I'm naturally concerned about fraud. I did try to query Keybank by phone regarding this matter but found their system difficult to negotiate ; that is, without login info I could not access a customer representative. 

I did in fact send an email with the information above ( including the four digits of the account they sent me in the letter ) to a Keybank address but I'm not at all confident that it will reach the right person. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Lending Club Corp
State: CA

Complaint narrative:
In response to Lending Club 's investigation, why did Lending Club take my money if they had sold the balance to XXXX? LendingClub states that they sold the balance to XXXX on XX/XX/XXXX. Please see their response attached ( Paragraph 5 ) referencing account ending in XXXX. 

I sent two different checks to LendIng Club to pay account XXXX. One check was for {$180.00} which was cashed by Lending Club on XX/XX/XXXX. The second check was for {$500.00} and it was cashed by lending club on XX/XX/XXXX. Please see the attached documents as proof. 

LendingClub cashed my checks that referenced account XXXX, but the account was sold to XXXX a few months prior on XX/XX/XXXX. Is this legal that LendingClub cashed my checks and took my money even though they sold the debt to a 3rd party collection agency??? This is iilegal and I request XXXX to delete their negative reporting on my credit as a sign of making things right. You cashed and took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XX/XX/21. Experian replied saying they needed my authorization to proceed with the complaint. I called and gave them my authorization on XX/XX/21 and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a 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 more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

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 2021-12-16 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 — Investigation took more than 30 days
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2021-12-16 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Hello, On XX/XX/XXXX, I transferred XXXX dollars from my bank account in XXXX XXXX XXXX XXXX to my Wells Fargo account. The money went through and was reflected on my account for 3 days. I issues a check to my XXXX for the rent of XXXX dollars after my XXXX claimed the check, the bank reversed my transfer and the money has not been seen since then. I have been talking to them and calling them since XX/XX/XXXX and have not received any notice or compensation. My account right now is negative and they are threatening to charge for having a negative balance due to no fault of my own. Wells Fargo lied to me saying that the fund had been taken out by me and that it was my credit union 's fault.

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 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Unfortunately, due to XXXX and health issue in our family, I had to file for Bankruptcy. I informed Navy Federal Credit Union on XX/XX/2021, via online banking messaging center. I received a response, from XXXX XXXX, which confirmed their receipt of the message. I deposited funds into the account to assist with medical needs, and the funds were being transferred to an external account. XXXX XXXX withdrew the funds and applied 3 amounts to credit cards which I had included into the Bankruptcy. This is causing issues with my filing of Bankruptcy, as my lawyer has advised me to not make any payments on loans which are being included into the Bankruptcy, as it may affect the filing process. XXXX XXXX refuses to return the funds, which not only they should have not removed as they were notified that I am in the process of filing for Bankruptcy, but caused my external account to incur several fee 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: CA

Complaint narrative:
I have a loan with Lending Club and got a little behind due to Covid. I called and scheduled 4 payments on XXXX to catch up my loan. Instead of deducting 4 payments, they deducted 6 ( XX/XX/XXXX, XXXX payments, XXXX, XX/XX/XXXX & XX/XX/XXXX ). This has created an incredible financial hardship. I called and was told they would refund my money since it was unauthorized. I waited and it never came. I called again and again was promised it would be refunded. I called again a week later to check on status ( it's now been 3 weeks and over 5 hours of my time trying to correct their error ), and was told my request was denied since I scheduled 4 payments and they took 4. Unfortunately I didn't have my records on me so couldn't properly dispute their claims. Once I got home, checking my bank statements, I discovered that they not only took 4, they took 2 more WITHOUT MY KNOWLEDGE OR PERMISSION. I called immediately and was told that it would be researched and they would call me back, which they never did. Besides the fact that their representatives and supervisors are XXXX rude and completely unprofessional - what they did was illegal and without my consent. With these additional payments, I am now paid through XX/XX/XXXX ( per their statements ). I want my money refunded NOW. 2 payments of {$1000.00}, so {$2100.00}. This is shady business practices, at best. ANd when confronted with their error, they chose to use abusive tactics to deflect from their mistakes- all in an effort to keep two months of my payments. I am sure I am not the only one ( nor is this the first time they have done this to me personally ). What a racket! They must be earning a TON of interest at our, the consumer 's, expense. It's shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: PA

Complaint narrative:
I have been a victim of identity theft. XXXX XXXX XXXX has opened a fraudulent account on my credit profile and it needs to be closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a text around 10 am on XX/XX/21 asking if I authorized a {$2000.00} XXXX transaction I texted back no, I immediately got a call back from a call ID 'd as Chase Bank ( XXXX ) XXXX. The man on the phone asked if I authorized a XXXX transaction to XXXX XXXX in the amount of {$2000.00} scheduled at noon? I said I don't know who that is. He said we need to reverse the charges back to you. I said how do we do that, he said go into your XXXX, put in your name, your phone number, the amount ( {$2000.00} ) in the memo type " Fraud Reversal '' I did it then he said what does it say I said it doesn't say anything it took me back out to the home screen. When I tried to go back out and go back in my account I was locked out, when I told him I was locked out he hung up on me. A number popped up on my screen telling me to call which was different than he called me from ( XXXX ) XXXX. I called that number another man answered and I said I think I was just scammed and he said no you were just speaking to Will in our fraud dept. I said ok, he said to call back the next day to speak to someone about unlocking my account. I called the number on the back of my card the next day and they told me no claim has been filed and that's when I figured out both numbers were scam numbers. Chase is offering NO refunds or help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is the second time I have filed this complaint. I filed a complaint # XXXX. Nothing came from that complaint. Capital One responded acknowledging their attorney received my payment and as soon as it was posted they would update my credit report. They advised the process took up to 90 days. My payment was made on XX/XX/2021, which was 157 days ago. Capital One never reported to the three credit reporting agencies that my payment was made in accordance with the court mediated agreement that was made. I filed a dispute with all three agencies : XXXX, XXXX and XXXX. The results of my disputes were that Capital One RENEWED the debt on my credit causing my scores to crash up to almost XXXX points causing one of my closed and paid off lines of credit to close. I was denied a new line of credit and denied a home mortgage. I fulfilled the court mediated agreement while Capital One defaulted on it which has now cause great financial hardship on me. The three credit bureaus were provided all documents from the court, my receipt of payment along with Capital Ones written admission of acknowledgement that their attorney was in possession of my payment and neither of the agencies would correct the error, again resulting in great financial hardship on me.

Company response to consumer: Closed with non-monetary relief