vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I had a credit card account with Capital One for some reason I have gone through a case of identity theft and the person hacked my credit card. There are purchases on the card that I did not use. 

I have called several times but there seems to be a misunderstanding. 

I'm willing to pay {$500.00} of the bill. 

The card was hacked and the person had changed my email and phone number back in XXXX  they helped me fix that but they determined to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Another day Another lie and as always no view just a ploy by this fraudulent crooked company AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: IL

Complaint narrative:
I was notified today that my credit dropped XXXX points. When I checked my credit report, it said I opened an account at XXXX XXXX on XX/XX/XXXX and XXXX XXXXXXXX  on XX/XX/XXXX. I've never been to those banks in my life. I contacted both and both told me someone opened an account in my name using my social security number. The fraudulent individual has already spent {$13000.00} on the XXXX XXXX account and {$3000.00} on the XXXX XXXX account. XXXX XXXX has frozen the account and I am currently on hold with XXXX XXXX, but they said this was the next step in the process.

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 2024-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Back in XXXX of 2023 I received a call from someone claiming to be with Wells Fargo Bank wanting to know if I was traveling XXXX because I had some unusual charges on my account that were out of my state. They sent me a text message with a 6 digit number that they wanted me to read back to them for verification of who I was. Later that day I received an email from Wells Fargo stating that I had signed up for online wire transfers ( I did not ). Also received an email stating that an online wire transfer had been initiated out of my account. I immediately called Wells Fargo and spoke with an associate, I informed her that I did not sign for such service nor did I initiate a wire transfer. She informed that my money would be back in my account in 24 to 48 hours. To this date I have not received my money back. I have reported this to my local Sherriff Dept. and a warrant has been issued. I will attach screen shots of emails from Wells Fargo.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had suspected Fraud on my checking acct.

It was suggested by the representative that I open a new XXXX  acct. Linked to the old acct. 
I opened the acct I was also told that the Bank Representative from the Fraud Department will always have to transfer the funds. I was told they're open 7 days a week 24 hrs per day. 

I've been making these transfers past 3 months no problem. Today I called to transfer my money I was told that Department is closed and they are the only Department that can transfer the money. Last month I didn't have this problem. So this policy changed and Bank of America neglected to inform me. Now they're holding my money and telling me sorry. 

I need my money today, I never received a email or anything.

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 2024-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Tally Technologies
State: TX

Complaint narrative:
On XX/XX/2023, two days before my two major credit card bills were due, I received an email from Tally informing me that they would no longer be servicing my account ( aka paying my credit card payments ) and that I would be responsible for these payments effective immediately. With two days ' notice before my cards were due and having already budgeted for Tally to make the payments for me as they had for the previous 26 months, I was left with a TREMENDOUS financial burden, right before XXXX no less! I scrambled to find the funds to make my credit card payments and ultimately was unable to do so on time. Two months later I am still dealing with the snowball effects from this bait and switch. Tally is in clear breach of contract with myself, and countless others who were impacted by this. They made ZERO attempts to rectify the situation, just a " Sorry, you're out of luck '' response. Tally needs to make this right, either by forgiving the remaining balances on all Tally issued lines of credit, or by refunding me my payments in full. Without an acceptable preparatory period, I was suddenly expected to pay two bills when previously only required to pay one. A pulled investment was to blame for them no longer having funding to assist with my loan.As a member of good standing with this organization, I had a lower interest rate. With the severance of their terms, my interest rate increased by 5 %, thereby increasing my loan amount.I feel like they have violated the conditions of our agreement and should be required to stop interest from accruing at a higher rate on my balance.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RentDebt Automated Collections, LLC
State: NY

Complaint narrative:
I was notified by my bank that a {$53000.00} line of credit was taken out under my name. I have called the collection agency along with XXXX, XXXX, and XXXX to help resolve this fraudulent charge. There has been no resolution as I initially learned of this issue on XX/XX/XXXX and have seen been working to remove this from my credit report ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
ON XX/XX/year>, I MAILED WRITTEN COMMUNICATION IN THE FORM OF A CEASE AND DESIST LETTER TO XXXXXXXX XXXX XXXX REGARDING UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT # XXXX {$950.00} REFLECTING ON MY XXXX XXXX XXXX XXXX AND XXXX XXXX REPORTS IN VIOLATION OF 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) - ( B ) ( I ) - ( II ). IN ADDITION, I SENT A COPY OF THE CEASE AND DESIST LETTERS TO XXXX, XXXX, AND XXXX DISPUTING SAID ACCOUNTS. DESPITE MY CEASE AND DESIST LETTER, XXXX, XXXX STILL CONTACTED ME REGARDING SAID DEBT ( S ) ON TWO ( 2 ) OCCASIONS AND HAS STILL CONTINUED TO FURNISH SAID UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT INFORMATION TO THE 3 CONSUMER REPORTING AGENCIES IN VIOLATION OF THE FDCPA AND THE FCRA. IN ADDITION, XXXXXXXX XXXX XXXXXXXX HAS MAILED ME WRITTEN COMMUNICATION REGARDING SAID DEBT WITH TWO DIFFERENT SPELLINGS THAT AREN'T MY FULL AND CORRECT LEGAL NAME AS NOTED ON BOTH MY BIRTH CERTIFICATE AND WI DRIVER LICENSE. THE CONSUMER REPORTING AGENCIES HAVE RECEIVED A COPY OF MY WI DRIVER LICENSE REFLECTING MY FULL AND CORRECT LEGAL NAME. 

XXXX HAS DELETED THIS UNAUTHORIZED, INACCURATE, AND INCORRECT ACCOUNT INFORMATION FROM MY CREDIT FILE AND CONSUMER REPORT. HOWEVER, XXXX AND XXXX ARE STILL REPORTING THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2024-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This company has incorrectly put dispute resolved again on my report This is still in dispute and I dont owe them anything. 
I have clearly showed pictures that the damage was caused by the unit above having a water leak and they are the ones responsible for this damage They owe me money

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 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I called into Chase Bank to dispute two transactions that were pending on my account from a merchant that I did not authorize to charge my account, and I have to speak with a XXXX  XXXXXXXX XXXX representative on the phone that just wanted to overt me and be very disrespectful and rude, and not listen to what I was telling him and then furthermore When I asked to speak to his supervisor, he over, talk to me and just told me he was going to transfer me to the dispute department even though I asked speak to his direct supervisor. Chase is just doing real shady bad Customer Service I do not appreciate it and already having to be on hold and wait a long time for a callback finally reaching the agent, and then they have the nerve to be a XXXX is very disrespectful on top of transferring me to another department that I have no idea if that was right department or not because he transferred with an attitude and I wasnt XXXX wait a whole Nother 10 minutes on this is such a XXXX bank with bad customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
This housing complex is saying that I owe them money for an apartment I never resided in, or resided in the state of North Carolina I applied for XXXX XXXX got approved on line in North Carolina I gave it to XXXX XXXX XXXX  they took rent money from North Carolina XXXX XXXX XXXX program for over 12 months on my behalf knowing that I was not there and never resided there and once XXXX  XXXX found out about how they scammed the state for that money they had to give it all back to the state and now are harassing me and threatening me falsely for money that I dont owe them there messing up my credit badly please help me do I need an attorney please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
The below hard inquiry showed up on my credit report on XX/XX/year>. I didn't apply for any credit from this company. 
FNB OMAHA Address 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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Sun. XX/XX/XXXX Purchase made at XXXX XXXX XXXX, card account opened at checkout First week of XXXX : Received full card details by mail, added information to online credit union/checking account Mon. XX/XX/XXXX Payment mailed from XXXX ( XXXX XXXX ) to Comenity Payment Due XX/XX/XXXX *Comenity does not address receipt in a timely manner ( intential? ) Payment Cleared XX/XX/XXXX Last week of XXXX : Receive next statement showing late fees and interest added. 

XXXX XX/XX/XXXX Call to address addition of fees, hoping to have this remedied and get the relationship off on the right foot. ( XXXX was a work-from-home day that allowed me the privacy to address this during normal business hours ) NO PEOPLE ARE AVAILABLE AT THE PHONE NUMBER LISTED ON THE BILL ( intentional? ) Multiple phone calls and attempts, trying different combinations of recorded menu selections until I finally chose close my account thinking THAT might get me to a person. It did not, a recording told that the account was closed. 

No person from Comenity contacted me about the issue. 

XXXX XX/XX/XXXX a recording called me and I called the number back. This is when I learned that Comenity was continuing to add fees on top of their fraudulent fees and refused to fully remedy the situation. 

I paid XXXX  % of my balance on time. No fees were ever to be added to have been able to have generated additional fees. Thats the whole truth of the situation. My bill states that mailed payments must reach us by XXXX on XX/XX/XXXX and theres NO REASON that mine didnt. They left it sit there. 

XX/XX/XXXX Today I received my second phone call from someone saying theyre calling from XXXX XXXX XXXX it sounds like a call center in XXXX XXXX and then they immediately disconnect the call. My concern is that this fraudulently behaving company will use these tow phone calls to say that theyve tried to contact me when, in reality, they are calling and hanging up only seconds into each call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm.com Affirm Holdings Inc ( XXXX XXXX # XXXX Affirm Holdings , Inc ( XXXX  XXXX # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX www.affirm.com I placed an order with XXXX, using Affirm to pay for this item on XX/XX/2024. It has almost been 1 month since placing this order and no items were shipped to me by the XXXX XXXX XXXX. I have filed complaints with XXXX XXXX about not receiving anything for this loan that I am responsible for. XXXX XXXX left my order in processing for almost 1 month. I contacted Affirm telling them why I need to cancel my loan with them due to the fact that I never received my product that the loan was for my item. I emailed and called Affirm to let them know that this loan was cancelled. Affirm has be owing {$88.00} for a loan that was cancelled by XXXX XXXX. 

XXXX XXXX Affirm Virtual Card Your loan is approved but still processing.Its OK! This status just means XXXX is still finalizing your order, which usually takes Status shows as Payment progress Paid to date XXXX  XXXX Cancelled my Order # XXXX Placed XX/XX/2024 at XXXX XXXX PT Affirm loan still shows outstanding balance of loan Remaining {$88.00} * XXXX  XXXX never fulfilled my order, Merchant Processed my Order : XX/XX/2024 Affirm XXXX XXXX Customer Complaints XXXXcomplaints closed in last 3 years XXXXcomplaints closed in last 12 months Complaint filed on Affirm.com XXXX serving the XXXX XXXX XXXX Area and XXXX Coastal California XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX Email this XXXX phone number : ( XXXX ) XXXX ( XXXX ) XXXX Affirm Other Names for this Business & Licenses Affirm , Inc. - NMLS ID # XXXX Affirm Loan Services, LLC - NMSL ID # XXXX Affirm Payments, LLC Affirm Holdings , Inc ( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: Professional Recovery Management
State: NC

Complaint narrative:
This company has incorrectly put dispute resolved again on my report This is still in dispute and I dont owe them anything. 
I have clearly showed pictures that the damage was caused by the unit above having a water leak and they are the ones responsible for this damage They owe me money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: PA

Complaint narrative:
I XXXX XXXX Currently have Fruad accounts and inquiries appearing on my credit report. 

1. XXXX XXXX XXXX {$1700.00} 2. XXXX XXXX XXXX {$2100.00} 3. XXXX XXXX XXXX {$1200.00} 4. XXXX XXXX XXXX {$820.00} Inquiries 1. XXXX XXXX XXXX XXXX XXXX 3 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 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I gave American Express a application witch was a exchange for credit and it is my trust and it is my private information on that original documents witch are called comercial paper I need my original application if I did not get any benefits from my comercial paper I will need that back as soon as possible you have about 15 days to return my application that I applied to get the XXXX American Express unlimited open and end account with the charge card???

Company response to consumer: Closed with explanation