vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ENOUGH IS ENOUGH NO MORE TAKING ADVANTAGE OF XXXX PEOPLE!! I AM EQUAL AND NOW I HAVE THE RESOURCES TO FIGHT BACK! XXXX PEOPLE ARE EDUCATED TOO!!! I am writing to express my deep concern regarding the violations of my rights under the Fair Credit Reporting Act by the consumer reporting agency in question. Specifically, the agency has included adverse information on my credit report in addition to furnishing inaccurate information to other consumer reporting agencies they have failed to REMOVE/DELETE accounts that were the result of identity theft, even after I made written request instructions to do so that emphasized that my request was not made in error and was not based on any material misrepresentation of fact on my part. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 I am hereby sending this notice to express my intent to sue for violation of the Fair Credit Reporting Act. I demand that the agency takes immediate steps to block and delete the inaccurate information from my credit report, and to remove the accounts that resulted from identity theft. Failure to do so will result in legal action, and I am entitled to statutory damages of up to {$1000.00} per violation.

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 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Unauthorized atm withdrawals, refuse to pay back unauthorized merchant transactions, returned pension funds for insufficient check service, closed account before promise to pay on check hold that was verified by issuing bank, theft of check made payable to account holder, refuse to cash pension fund checks from XXXX XXXX XXXX gave me false information regarding account balance and refused to return endorsed checks payable resulting in threats of fraud made to Dept of Financial and Professional Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: MO

Complaint narrative:
XXXX Auto loan. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX phone # XXXX. 
We opened the account in XX/XX/2013 for {$26000.00}. The loan was paid for over 3 years and then we had a hardship and voluntarily returned it to the creditor. They should have only had the remaining balance owed showing on our credit report ( which should have been about {$12000.00} ). The vehicle was sold at auction and I felt after a few years they could have removed it from our report. It's now been 7 years and it's still showing as a charge off/collections. The amount that is showing on the report is more than the original loan amount - {$27000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX Auto loan. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX phone # XXXX. 
We opened the account in XX/XX/2013 for {$26000.00}. The loan was paid for over 3 years and then we had a hardship and voluntarily returned it to the creditor. They should have only had the remaining balance owed showing on our credit report ( which should have been about {$12000.00} ). The vehicle was sold at auction and I felt after a few years they could have removed it from our report. It's now been 7 years and it's still showing as a charge off/collections. The amount that is showing on the report is more than the original loan amount - {$27000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: MO

Complaint narrative:
XXXX Auto loan. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX phone # XXXX. 
We opened the account in XX/XX/2013 for {$26000.00}. The loan was paid for over 3 years and then we had a hardship and voluntarily returned it to the creditor. They should have only had the remaining balance owed showing on our credit report ( which should have been about {$12000.00} ). The vehicle was sold at auction and I felt after a few years they could have removed it from our report. It's now been 7 years and it's still showing as a charge off/collections. The amount that is showing on the report is more than the original loan amount - {$27000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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 closed my account ending in XXXX on XX/XX/2023. On XX/XX/XXXX XXXX XXXX XXXX  sent a refund to this account. Bank of America are telling me that the no longe have access to the funds, and they should have been sent back to XXXXXXXX XXXX XXXX However, XXXX XXXX XXXX XXXX is telling me that the no longer have access to the funds and to reach out to a Bank of America. I am getting the run-Around, and would like the funds returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please see attached. 

15 usc 1681a ( 2 ) ( A ) ( i ) specifies transactions and experiences are EXCLUDED from my consumer report.

EQUIFAX is securitizing consumers data yet refuses to follow the FCRA. Said company is liable under the SEC follow certain rules. EQUIFAX commission file number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX, I XXXX  the number and saw that it was a call from Chase Bank Customer Service. I answered the call and the person on the phone informed me that there was a fraud attempt on my account. She knew my name address and the email associated with my bank account. She told me that she was going to turn on the fraud alerts to my account and that it isn't a real charge but it was only to test out if the alerts were working. Almost instantly I received a text from the official Chase bank number notifying me of a fraud alert she told me to reply yes since it was a fake one just to make sure it worked. To which I did. She then told me to turn on my notifications for email and sure enough I received a real email from chase bank on time to which she told me to respond to yes to turn on the fraud alerts. She informed me that I would not have access to my online bank due to security reasons. Which checked out. A week later I received the same call with the same process apologizing for the delay as they were trying to secure my account. 
I did not provide any personal information to this person but she was able to transfer money from my savings account into my checking account and used XXXX XXXX to steal all the money in my account. My bank failed to notify me that someone from an unrecognized device managed to get into my account and change the password to my bank account. Normally I would receive a notification of both instances. My bank has since then denied my fraud claim and the appeal I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
CKS PRIME INVESTMENTS , LLC Has put a collection on my credit report I dont know this company I do not owe this company any money this collection isnt mine. I got in contact with CKS PRIME INVESTMENTS , LLC and they didnt have any record of me in there files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I have a personal credit card with GM Marcus by Goldman Sachs, therefore they have all of my information on file. I have had no issues. Application process went smooth, no problems. 

I have applied for the GM Business Card by Goldman Sachs a minimum of ten ( 10 ) times. XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 The scenario is this ; 1. Fill out a pre-qualification. 
2. I am approved.

3. Accept or do not accept. I accept.

4. They respond that they need identification verification. Please upload government ID. I comply.

5. 1-3 days later, I expect my credit card information but instead I receive this : *Unable to verify identification information. 
I have called customer service, and each time they CAN NOT HELP. They can not help my situation, tell me what to do differently nor send me to someone who can. Ive tried to make sure all information on my application, is exactly the same as on my ID, and on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion is reporting inaccurate and unverifiable information and has affected my lively hood. Because of this, I have been denied jobs, housing, and credit lines. Below I have attached a screenshot of the accounts that are inaccurately reporting per consumer protection law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint is against Capital One on how they handled unauthorized transactions on my account and how callous they are with fraudulent transactions on consumers account simply because they know they can deny your claim for any reason and get away with it. this is not right. who is protecting the consumers again these big corporations. Capital One holds his loyal customers responsible for unauthorized and fraudulent transactions and expect them to pay for charges they did not authorize with their hard earned money. On XX/XX/XXXX, I contacted Capital One about an unauthorized charge of {$44.00} cents by XXXX on my account that was posted on XX/XX/XXXX, XXXX upon further investigation, the agent and i found out it was a recurring transaction that was posted also on XXXX, XXXX, for {$44.00} cents and XX/XX/XXXX for {$44.00} cents. so the agent filed the complaints for all three. Now the fraud operation, although acknowledge the transactions were unauthorized, denied the claim to reimburse me for the charges for XX/XX/XXXX and XX/XX/XXXX by stating I am responsible for the unauthorized charges because it is too late to contact the seller. I believe Capital One should be responsible to protect their customers against unauthorized charges or fraud on their account. I should not be responsible for transactions I did not make. I should have XXXX liability when fraud has been determined and established. 

I Spoke to XXXX, id number XXXX, who identified himself as the manager. he told me my claim was denied because they are older than 60 days therefore I am responsible for these fraudulent charges. How does a credit card company hold his consumers responsible for unauthorized charges on their account. who is protecting the consumers? What is Capital One 's responsibility? 
the goal of my complaint is because I want Capital One to reimburse me for those unauthorized charges and not place the burden or blame on their consumers for fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Hello, for approximately 3 years I have had a freeze on all of my credit reports. I have been able to unfreeze all of them except Trans Union. 

I have tried for the last 6 months to unfreeze my Trans Union credit report with no luck. When I sign into the Trans Union website and attempt to unfreeze it, the site says I am unable to unfreeze at this time. 

I have called the customer service line and used the help chat Trans Union offers to try and get help. I have provided the PIN number required to unfreeze my report. Each time the representative says my report is now unfrozen ; however creditors tell me it is still frozen and they are not able to see it to offer me credit terms. 

Each interaction I have had with a Trans Union representative is hard as there is a language barrier and their employees are hard to understand and don't speak English very clearly.

I am also very uncomfortable with people overseas and in other countries having access to my personal information, and being required to give my SS number and DOB over the phone to them when I have called in the past.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
On XXXX I was alerted to a collection appearing on my XXXX and XXXX credit scores. They were brought by Sequium Asset Solutions regarding an unpaid XXXX XXXX bill of {$2600.00}. I have never had an XXXX XXXX account. They also supplied XXXX with an inaccurate address, XXXX XXXX XXXX, XXXX, OH. This has never been a residence of mine, and I have never lived in Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit
State: CA

Complaint narrative:
I leased an XXXX XXXX from Audi of Downtown LA for 3 years returning it in XX/XX/XXXX. A few days before it was returned, an XXXX inspection stated that it need two new tires which needed to be the same make and model as the existing ones. If I did not replace the tires prior to returning the vehicle, then I would be charged for new tires. Therefore, I purchased the exact same tires from a tire shop which installed them just prior to returning the vehicle. When I returned the vehicle, it was noted on the return slip that new tires had been installed. 

Yet despite this, Audi sent me an invoice a few days later which tried to fraudulently charge me for new tires. They said that I needed to provide a receipt for the new tires that were already on the vehicle. This seemed like a fraudulent business practice to me since they already had possession of the vehicle with new tires and was just another hoop for me to jump through so I could clear my debt with them. In my opinion, this was the first form of harassment from Audi. Despite this, I sent them a copy of the receipt from the tire shop and asked them to remove the charge for the new tires. They were unresponsive and just kept sending me the same overdue invoice repeatedly. Audi of XXXX blamed the Audi Finance people, and vice versa but nobody resolved it. 

According to my calculations, Audi was asking for {$1600.00} which included the new tires which I already installed. Audi 's charge for those tires was {$480.00} X 2 = {$970.00} plus sales tax of {$100.00} = {$1000.00}. On XX/XX/XXXX, I paid {$620.00} for a damaged bumper to Audi and if you deduct that from {$1600.00}, it equals {$1000.00} which is the fraudulent charge for the tires that I replaced. 

After many emails and calls from my wife and I, the Audi invoices stopped coming. However, a few months later a collection agency contacted me demanding payment. We explained the whole history of the fraudulent charge and they stopped bothering us. We thought the issue was finally resolved but apparently Audi insists on harassing their former customers for many years after their relationship ends. Last week ( XX/XX/XXXX ), over two and a half years after I returned the vehicle, I received a call and threatening emails from another collection agency. I again explained the situation, but they said I had to clear it with Audi. I contacted Audi of XXXX, and they blamed Audi Finance, and vice versa again. Please help me resolve this matter and stop this fraudulent and predatory business practice from Audi.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Recovery Services, Inc.
State: AL

Complaint narrative:
I am receiving unwanted calls from southwest recovery ( a debt collector ). Once I discovered I have been turned over to collections, I called the original company and paid. It was a misunderstanding that got resolved.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
On XX/XX/XXXX, my wife and I ( XXXX and XXXX XXXX ) leased a new car from Kia Finance whose contact information follows : Primary : XXXX Alternate : XXXX Mail : Hyundai Motor Finance/KiaFinance America/XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Kia has overcharged me in the amount of {$240.00} in property tax fees. Initially the XXXX of XXXX overcharged me this amount due to a misclassification of our vehicle. But when it realized its mistake, it promptly reimbursed Kia Finance Personal property division for the overpayment. 

Despite numerous phone calls and letters, Kia Finance has refused to reimburse us. Curiously it does not dispute our claim. Instead, it just keeps promising to pay us. It has been sitting on our money since XX/XX/XXXX, based on information we have received from the Commissioner of XXXX XXXX of XXXX Virginia. 

XXXX and 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 explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2023 .I withdrew {$2000.00} from a Wells Fargo ATM on XXXX and XXXX in XXXX XXXX Nevada after trying to deposit the money back into the ATM. It had an error that it didnt take deposits, so I held onto the money till that afternoon when I went to the gym and tried to deposit it into a XXXX and XXXX XXXX XXXX XXXX , NV ATM , which only deposited XXXX before malfunctioning also.I tried calling multiple times with no resolution it was after hours, so thats all I could do. I had to go back to work the next day with a busy week when I finally got through the bank gave me a temporary credit of {$1300.00} pending investigation. Today is the day after XXXX XXXX XXXX XXXXXX/XX/XXXX three months later they being Wells Fargo revise the credit and withdrew {$1300.00} out of my account saying that there was no error made. This is a XXXX false the ATM stole my money and now Wellsfargo is trying to overdraft my account with multiple charges. What can I do to resolve this and get my money back?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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