vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been a customer in good standing with Capital One for quite some time. In XXXX of XXXX  my email accounts and personal information was hacked. The hackers immediately accessed my bank accounts and credit card accounts, specifically Capital One by taking over the mobile app, setting up additional user names and using the virtual card to make fraudulent purchases. The hackers also used my bank account to make payments to Capital One I order to unlawfully use the virtual card. Although I have reported this to the XXXX XXXX and other law enforcement, however the hackers still are doing it. I have had several replacement cards from Capital One due to this and I have spent days attempting to get the hackers out of my account. 

Due to the hackers accessing my accounts and making payments on my credit card, I have had payments returned which is why Capital One closed my accounts I believe wrongfully. Each time the hackers accessed my accounts and made the payments I did not authorize I immediately made the payment after it was returned. After determining how the hackers were accessing my accounts I removed all online access and now have a bank account at a credit union without online access. The hackers have not hacked this account. Going forward if my account is re opened I can assure Capital One the payments made will not intercepted by the hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Well, Ive had this account since XXXX and I havent had a problem with it up until XX/XX/XXXX. They cashed a check for me. It was a two party check that belong to a friend of mine that I had cash for him and they told me that it didnt scan or something like that if I was gon na put a hold on this account and closed it through the first of XX/XX/XXXX Ive tried everything to solve the problem but I cant do any thing other than what Ive already done about it. The guy that originally wrote the check is my boss and he cant recall the money because its in my bank and now my money and he cant take money from my account and the guy that I cash the check for Has passed away may the XXXX XXXX Ive give her phone numbers Ill give them addresses are done everything that they ask to get my money but its still locked up and theyre closing my account out please help me. I worked real hard {$750.00} for my money its about caused me to lose my car over this, I appreciate any help I can get in. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
This company harasses you when your payment is due starting on the day it is due. They call on average 3 times a day. Even after speaking to someone in the office letting them know I will pay the payment they continue to call multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting me 3 inquiries that I did not do. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2023-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
On XX/XX/XXXX I took a loan for {$8000.00} from One Main Financial, XXXX MI. In addition to that, I had agreed to the insurances the loan rep presented. The loan total is XXXX. The amount of interest I will pay is based on the XXXX. 
At home I reviewed the documents and cancelled the three insurances, a total cost of XXXX, on XX/XX/2023. I requested that the loan is re-amortized based on the loan amount minus the insurances. The company has refused. Their solution is to send me a refund for these three insurances. This is unacceptable because, over the next 5 years I will be paying interest and fees for XXXX rather than the {$8000.00}. 
I have spoke with a number of customer service and Corp Office employees. They absolutely refuse. This practice must be illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a debit card from a bank I have not used for years, so i went to the bank explained the situation and they did some verification, and it was identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: FL

Complaint narrative:
There are inquiries place on my personal account that should be there due to the fact these are accounts associated with a business not a personal. I contacted the creditors to dispute these inquiries and they have done nothing to remove these inquiries from my personal 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 explanation
Consumer complaint received 2023-06-02 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: FL

Complaint narrative:
There are inquiries place on my personal account that should be there due to the fact these are accounts associated with a business not a personal. I contacted the creditors to dispute these inquiries and they have done nothing to remove these inquiries from my personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Titanium Funds
State: UT

Complaint narrative:
Titanium Funds have reported my vehicle as paid off as of XX/XX/2022, this has negatively impacted my credit score as all of my on-time payments have not been recorded since XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Early warning has a account with XXXX XXXX XXXX listed as closed for suspected fraudXXXX XXXX XXXX can't tell me what fraud was done and I am a current member. Neither company will remove it or verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
PLEASE SEE ATTACHED DISPUTE DETAILS, AND ALL OTHER FACTUAL DOCUMENTATION, PLEASE NOTE THAT DUE TO BANK ERROR, I DIDI NOT RECEIVED THE MERCHANDISE THAT I HAVE PAID {$3000.00}, I HAVE NOT RECEIVED THE {$3000.00} CREDIT. 

THIS IS UNJUST ENRICHMENT, AND IM DEFRAUDED AS THE BANK WILL NOT CREDIT MY {$3000.00}. 

PLEASE SEE ATTACHED ALL CORRESPONDENCES AND LETTER OF DISPUTE I HAVE SENT CHASE BANK. 

THANK YOU, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Universal Account Servicing, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX assumed my account via XXXX XXXX. I paid the stated billed total amount due XXXX two weeks prior to the date due. After payment, the online balance reflected XXXX $ online. The next month I received a bill for a late fee with an accumulated finance fee with no explanation. I then received calls from representatives that couldnt explain the charges. Finally, I spoke with a supervisor who only agreed to waive late fee and finance charges but told me I had to pay XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: NV

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-06-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: OH

Complaint narrative:
The unverified item remain on my credit report in violation of XXXX XXXX. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX inquired on XX/XX/2022 and XXXX XXXX, XXXX inquired on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-06-02 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: NY

Complaint narrative:
I, XXXX XXXX XXXX, federally protected consumer rights under the Fair Credit Reporting Act have been violated by TRANSUNION. I'm looking for an fair and equitable solution to get TRANSUNION to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document.

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 2023-06-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX, I completed a XXXX transfer to a recipient named XXXX XXXX. However, Bank of America 's XXXX program changed my recipient to XXXX XXXX. When I received my email confirmation and saw that Bank of America changed my recipient to XXXX XXXX, I went back online to see what occurred. I tried to send another XXXX and noticed that Bank of America was changing my recipient each time. If I selected " XXXX XXXX '' XXXX would change my recipient to " XXXX XXXX ''. If I selected " XXXX XXXX '' XXXX would change my recipient to " XXXX XXXX ''. 

Just in case this was a temporary issue, I took a video of it. I called Bank of America and spent over an hour on the phone speaking to the non-fraud team and technical support team. I also went to my nearest branch. While at my nearest branch, the technical support staff wanted to mirror my online banking account so they can see what is occurring. 

I left the branch and drove back home. I logged on and when I tried to show the tech rep, the issue was no longer there. I explained to the tech rep that I have a video but the tech rep stated he is not able to receive emails from non Bank of America email accounts. 

I explained the following to the tech rep and both BOA employees from the non-fraud department : XXXX. I have a video of the issue and it is not my problem that BOA is not equipped to receive my digital evidence. They should be. 

XXXX. This is not a user error. This is a bank error. Bank of America 's online service sent my money to the wrong recipient. Bank of America needs to be accountable for this and issue me a credit to my checking account. 

XXXX. I was willing to complete a dispute resolution request. However, I should not be " hoping '' for resolution as this is a bank error.

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 2023-06-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I, XXXX XXXX XXXX, federally protected consumer rights under the Fair Credit Reporting Act have been violated by EXPERIAN. I'm looking for an fair and equitable solution to get EXPERIAN to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document.

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: KS

Complaint narrative:
Although the balance on my credit card was paid down to XXXX. Discover closed my credit account without notification. I was informed, by an Account Review Supervisor ( XXXX ) that an IRS verification was emailed out and identity verification would take two full weeks. Also was informed during the time of the verification my account would be inactive, for two weeks, but following the two week verification I would be notified of my credit card 's availability. Calls are recorded. However, in spite of my cooperation, my credit account was closed, by Grantor, from the date I called, within 72 hours, without any notification. For the record, I had discovered, there was a problem, when I logged in to view the card 's available credit ( XXXX ). In lieu of this, I then reached out to Discover, same day ( XXXX ) for answers and was connected, after a couple of attempts to the Verification Dept , where it was confirmed that my account was closed. Unfortunately, in spite of Discover 's deceptive ways, I was informed my only solution was to reapply, for a new account. The companies actions appears to be an illegal move, to close my account, inconvenience me as a paying consumer and later maybe place an adverse statement, on me, in the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-06-02 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: FL

Complaint narrative:
I sent out a letter to all the credit bureaus plus creditors in regards to an account that was reporting fraud on my account. The account was removed for almost 2 months and now it has reappeared on all 3 bureaus, UNACCEPTABLE. I did not receive any steps on how this fraud account was verified, which is false. I am a victim of identity fraud and I have sent all docs confirming as well. That is illegal per 15 usc 1681b IF AN ACCOUNT IS NOT MINE IT CAN NOT BE FURNISHED. There is no wet signature or anything proving that the account is mine.

Company response to consumer: Closed with non-monetary relief