vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I lost my wallet with all my identification information inside and then I realized later that a lot credit has been opened under my name. I tried multiple times trying to remove them but never succeeded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : Bureau : XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it.

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/2023 I called TD Bank Credit Card number XXXX to dispute payments done by scammers. 
The TD credit card representative laugh at my request for help over the phone, canceled my TD credit card and I had no access to my online account. 
TD Bank continue approving fraudulent charges on my account after I reported the fraud by the scammers. 
For the past XXXX months I am disputing scammers charges on my TD credit card account without any resolution. 
I file a police complaint on XX/XX/2023 that more than XXXX credit card was involved and charged by scammers. The other banks helped me right the way and stopped all the fraudulent payments and money transfer on my credit cards : XXXX, Bank XXXX XXXX, XXXX XXXX XXXX XXXX. Only TD bank continue approving fraudulent charges and transactions. TD Bank XXXX Department closed my case numerous times, reopened it to close it after few days, when the police called TD Bank with my information on XXXX, TD bank refused to discuss my case. 
Many TD customer service representative shared information with me over the phone that TD bank do not trust their customers when they dispute fraudulent charges. Every next representative was more difficult to deal with and unable to help me out transferring my calls to another TD Bank customer service representative. 
TD bank credit card company placed all five charges back on my account plus interest for the past two months. 
Total amount {$5400.00} plus interest of over {$230.00}. 

XX/XX/2023 XXXX XXXX {$100.00} XX/XX/2023 XXXX XXXX {$250.00} XX/XX/2023 XXXX* XXXX {$1000.00} XX/XX/2023 XXXX XXXX XXXX {$2000.00} XX/XX/2023 XXXX XXXX {$2000.00} All transactions were approved by TD bank after my call on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PR

Complaint narrative:
I don't mind using the name of my account which is 'XXXX XXXX ' otherwise how would they know that it's my account? Cashapp cancelled my account several weeks ago and none of my many emails to customer service yielded any reasons as to why. All they could say was some 'investigation ' was doing on. I'm convinced that these people don't know what they are doing or can not admit when they are wrong. My account is close to XXXX years old and I haven't done anything to warrant cancellation. My use of this account has not change. It looks like they're hoping that I will 'get lost '.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Account is closed and will need to be removed from credit report. In accordance with the Fair Credit Reporting USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit

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 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Arrival + XXXX card has been denying my use of the card. I have a {$0.00} balance on the XXXX card. I notified the company I would be traveling from the XXXX to XXXX XXXX XXXX. I received an email from Barclay on XX/XX/23 acknowledging my XXXX XXXX. I tried to use the card on XXXX at XXXX XXXX and was denied twice and I called and spoke to two representatives who said my card was fine and one who said I needed to prove my identity. After giving them my full name as it is on my card ; my card number ; last 4 digits of my social ; my email address and phone number which they sent me a code to verify who I was - done successfully, they said I have to send a copy of social security card front and back, my government ID, a utility bill. Then other reps said my card was good to use and all was accepted. However, when I tried to use the card, the transaction was denied. I had sent the documents requested on XX/XX/23 and again on XX/XX/23 and when I go into my Barclays App and go to Document Center, I see my copies of my Social Security card, my Us Passport, my CA Drivers License ; my Land US Passport Card. I also have a Barclays Loan that is active and in repayment status and there is no issue with them receiving my payments ; yet when I try to use the travel benefit credit card, all my transactions were denied with no explanation. Luckily, I brought my XXXX XXXX XXXX card on my trip.

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 2023-11-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I noticed a credit inquiry from XXXX  XXXX XXXX on my credit report dated XX/XX/23, which I did not authorize. There is an initial fraud alert 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 2023-11-13 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting 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:
In accordance with the fair credit Reporting act XXXX  # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the 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 and 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
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the 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 and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Recently a credit card payment was automatically debited from my Wells Fargo checking account as per my credit card auto pay schedule. However, I didn't have enough money in my Wells Fargo checking account, which I wasn't aware of. 

As soon as I received an email from Wells Fargo informing me of this overdraft, I moved money from a savings account into my Wells Fargo checking account to cover the amount of the overdraft. This process is instant, and the money hit my WF account within an hour after receiving notice that my account was overdrawn. 

However, Wells Fargo charged me an overdraft fee, even though their policy is a one day grace period. When I called Wells Fargo, they claimed that the overdraft fee is calculated from moment the account is overdrawn, not from the when the notification of overdraft is sent.

I think this policy is deceptive and unfair. If Wells Fargo wants to claim they give a one day grace period to put sufficient funds into the account, that period should start when the customer is informed that their account is overdrawn. It is not hard for them to automate a system to immediately email or notify me when my account is overdrawn. I do not control when bank actions, debits etc, are processed, so it's incredibly onerous to expect me or any consumer to constantly check their account to see if a transaction went through and thus there was an overdraft and the overdraft fee clock has started. This is in fact not a one day grace period and seems to be just another gotcha to collect unfair junk fees from consumers.

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 2023-11-13 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: CASHCALL, INC.
State: CA

Complaint narrative:
In XXXX or XXXX of XXXX I tried to pay off the loan but they quoted me an amount that was a little more than the amount I had received. They said it would take XXXX XXXX dollars to pay off the loan. I couldn't afford that so I have continued to make my monthly payments of {$690.00}. In XXXX of XXXX I checked my payoff amount and it was {$10000.00}. That was almost 3 years ago. The original loan was for XXXX XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
In XXXX of XXXX I reached to the account manager XXXX XXXX at Navy Federal to discuss Accounting on the account. Previously I made all payments to the auto loan from a personal account with another bank to Navy Federal. I realized that in addition to accepting my payments, XXXX XXXX Navy Federal were also illegally transferring payments from the business savings account that I had also established at Navy Federal prior to financing the car in XX/XX/XXXX. Once I realized this I called and spoke with XXXX XXXX as the appoints rep for the car account. After discussing the matter, requested the original car contract and all accounting on the vehicle which the bank found difficulty in providing. They then provided a titled promissory note that was day to late XXXX of XXXX with an unrecognizable signature. Since discussing the contract and accounting with XXXX XXXX in XX/XX/XXXX I sent several letter requesting informations and details to resolve this matter. I've called several times over months and did not respond to any letters or messages or phone call i made. On XX/XX/XXXX my car was repossessed by a third party hired by XXXX XXXX and Navy federal. I was not made aware of the car would be repossessed and could not again get in touch with him or anyone who could discuss my concerns until the following week. Under Navy Federal, XXXX XXXX XXXX has violated the law and my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened an XXXX XXXX XXXX card, the welcome bonus was XXXX XXXX points if I spent XXXX or more in 3 months. 

I fulfilled that roughly a month ago ( XXXX ), and XXXX of the spending was federal tax payment. 

I didn't get the bonus about a month ( XXXX ) after the fulfillment, I contacted Amex. They told me the welcome bonus attached with my card and I had an estimated charge of {$5600.00}. I thought I had fulfilled the spending requirements. 

After a few days I still didn't get the bonus and I contacted again. This time the agent told me my tax payment doesn't count as qualified spending, that's the reason I haven't got my bonus. 

I doubt this since I don't see this is mentioned in their service terms and I can see that many cases online showed that it does qualify. Examples : https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This letter is sent to your company in regards to the fraudulent accounts that I have found on my credit report after a thorough review. In my previous letter via mail I have asked your company to initiate a thorough investigation to validate the accuracy and completeness of the information on my credit report. This has been well my numerous attempt and yet you have failed to provide me with the resolution. As you know, your failure to investigate and delete this information has caused me so much inconvenience and hardships. -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This letter is sent to your company in regards to the fraudulent accounts that I have found on my credit report after a thorough review. In my previous letter via mail I have asked your company to initiate a thorough investigation to validate the accuracy and completeness of the information on my credit report. This has been well my numerous attempt and yet you have failed to provide me with the resolution. As you know, your failure to investigate and delete this information has caused me so much inconvenience and hardships. -- -- -XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Experian -- -- - 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 explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Im not sure why this debt has shown up on my credit. I'm requested more information as why what I suppose to owe

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation