vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Conduent Incorporated
State: VA

Complaint narrative:
XXXX XXXX sent me a card that I didn't request. I called them and they told me that a credit card had been opened in my name, but in Nevada ( I live in VA ). They said they used my SS #, birthdate, and address to get the card. They cancelled the card upon my request and prevented the card to be reported on my credit history. But then I received a debit card from Way2go in my name, which I didn't request. I have not been able to contact anyone about this b/c the number on the card doesn't offer an option to report fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: CITIBANK, N.A.
State: ME

Complaint narrative:
Citi Bank XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX. All of a sudden lowered my credit limit on 2 different cards making the cards almost maxed out which affects other credit cards I have and my XXXX score. 
First card credit limit lowered from {$13000.00} to {$3300.00} card has a balance of {$3200.00} leaving available credit down to {$120.00} which then make my card look maxed out when it was far from being maxed out. With no explanation as to why this was done. 
Second card credit lowered from {$9700.00} to {$2200.00} with a balance of {$2100.00} leaving available credit down to {$84.00} which makes card looked maxed out again with no explanation and affecting XXXX score. Both cards have been receiving payments of more than the minimum amounts due. I feel the is unfair to me and my credit score. I called and all was told cards went under yearly review and credit scores dropped the limit never receive any thing in writing from them about this also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax removed an account with XXXX & XXXX from my credit report as neither company has been able to validate this debt! Equifax then reinserted the negative information on my credit report on XX/XX/2021 without sending me CORRECT documentation as required by law 15 U.S.C sec 1681i! Nothing was supplied via the original creditor or Equifax! The violation here is the REINSERTION of the item!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
This account was opened under an open ended credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. On my consumer report there are three late payments listed, which is inaccurate and false because this account can not be late. Additionally, it contains a finance charge, which is the sum of ALL charges and that finance charge was paid with my credit card ( social security number ) upon their request for needing my credit card ( social security number ) to open the account, initially. Therefore, this account was paid in full and shall not contain a balance nor any late payments whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, On XX/XX/2021, I became the victim of a scam. I am a Wells Fargo customer of many years. I am a working mother of XXXX small children and I was taking them to the doctor when I received an urgent text message appearing to come from Wells Fargo telling me that I had fraud on my account. I then received a phone call from Wells Fargo ( the same number as their customer service! ) and they told me that there were seven XXXX transactions that were fraudulent and asked me that if they were able to determine who did it, would I want to press charges. I said yes. They then said that because XXXX transactions use a different process, I had to send the money back to myself. I was instructed to send them to ( my name ) and then I would receive confirmation that the money had been sent back to me. The transactions were for : {$400.00}, {$490.00}, {$500.00}, {$520.00}, {$520.00}, {$550.00}, and {$560.00}. I also received an email from XXXX XXXX  XXXX to enter an access code, which I never sent. Then they sent a confirmation email for each of the transactions telling me that I had received the money. I never gave them my email address. That is when I became suspicious and contacted Wells Fargo from my online banking. They told me to file a claim, as there were no deposits, only withdrawals from my account. They said that they would investigate the matter, but in the meantime, all of the funds were gone from my account. I read the error resolution information and it said that if unauthorized transactions occurred, that they would give me 'provisional credit ' until the investigation was over. I never got that! In the next days, I received letters from Wells Fargo saying that the transactions were processed as requested and my case was closed!! They said that as a 'courtesy ', they would continue to attempt to assist with resolution with the receiving institution. 
I would never have done this had I not believed that Wells Fargo was instructing me that there was fraud and that I had to take these steps to help me. I have been trying to research these scams, and I read that many big banks tell their customers that there is nothing they can do, and that they are just out money. I also read that recently the CFPB made a publication that says banks can not do that, and that they can not blame the customer because the customer didn't know that they were doing something wrong. 
I hope that you can help me, and thank you for taking the time to read my message.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I sent a dispute to synchrony this fall regarding an inquiry on my report. I was under the impression I was only submitting for pre-approval and that there would be no hard inquiry/no hard credit pull on my file. That was not the case. They replied to my dispute and advised there was no error and they are not submitting a request to have the inquiry removed. In my opinion, the process I went through for the pre-approval was deceptive and and tricks consumers into applying for credit. It was 100 % not my intention to apply and have a hard inquiry on my report. The letter they sent to me in response to my dispute was dated XX/XX/2021 and the subject was " RE : XXXX XXXX  '' Additional information from the bottom of the letter : Signed by XXXX Proc ID XXXX Doc 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 2021-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
-i never have a middle name, but on Transunion credit report it showing i have a middle name. i would like to remove that. 

XXXXthat 's Hard Inquiry on my Transunion credit report XX/XX/2021, i contacted XXXX, but they told me my information wasn't in their system, but Transunion wouldn't able to remove that Hard inquiry from 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 non-monetary relief
Consumer complaint received 2021-12-21 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: NY

Complaint narrative:
On XX/XX/XXXX, I reported to Capitol one about some fraudulentcharges to my credit card. Most purchases were in the teens so I did not spot any false charges ... Total {$640.00}. Case # XXXX. They told me that they would investigate. Two weeks later they told me that they only issue one credit card and I was accusedof making those fraudulent purchases. I told them that I did not make those purchases and that I have never stepped inside that store. ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ) at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. XXXX. Capitol one Manager ( XXXX ) was rude and just kept accusingme of being dishonest. I contacted the police on XX/XX/XXXX to police officer XXXX shield # XXXX, but all they did was bounceme from one precinct to another. Police complaint report # XXXX. With my other credit cards any time I made a purchase, The place of business would require my ID or my PIN number, So I do not understand how these fraudulentcharges happened.I feel that Capitol one are at fault and are negligent and wonder if this has happened to other cardholders.Thank youXXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On XX/XX/2021 A company name Citizens One XXXX, said I brought an XXXX  and I owe {$900.00}. 
I called to let them know that I never purchased an XXXX  and that it was an identity fraud. 
On my credit report I can see they open an account under the name Citzen Bank. 
They sent me two letters in the mail with different names. 
One is called Citizens Bank and the other one is Citizens. 
They are asking me to send them a copy of my utility bills, my driver license, my social security number and my personal information in order from them to close my account that I never opened up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: CA

Complaint narrative:
In addition to XXXX Bank of The West returned my {$50.00} check # XXXX to my XXXX account and charged me {$15.00}. I learned of the return check but only just learned of the {$15.00} charge. I had been told XXXX could not read my account number and blamed them over Bank of The West. Yet Bank of the West photo image was accepted and you can clearly read on the back all of my correct numbers. I think they did this on purpose based on my prior complaints and to earn revenue from themselves while stealing a XXXX XXXX XXXX person on XXXX money because like I stated before is easier to steal money from the poor as we have no power. I Need my {$15.00} back. I am XXXX years old and haven't had anything bounce since I was XXXX from a work paycheck 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 monetary relief
Consumer complaint received 2021-12-21 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: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. All of a sudden lowered my credit limit on 2 different cards making the cards almost maxed out which affects other credit cards I have and my XXXX score. 
First card credit limit lowered from {$13000.00} to {$3300.00} card has a balance of {$3200.00} leaving available credit down to {$120.00} which then make my card look maxed out when it was far from being maxed out. With no explanation as to why this was done. 
Second card credit lowered from {$9700.00} to {$2200.00} with a balance of {$2100.00} leaving available credit down to {$84.00} which makes card looked maxed out again with no explanation and affecting XXXX score. Both cards have been receiving payments of more than the minimum amounts due. I feel the is unfair to me and my credit score. I called and all was told cards went under yearly review and credit scores dropped the limit never receive any thing in writing from them about this also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
The amount this company is reporting on my credit report is wrong and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
My husband ( XXXX XXXX XXXX and I ( XXXX XXXX XXXX were looking for a bigger vehicle in XX/XX/XXXX. Went to XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) for help. XXXX was the dealer who help us. XXXX XXXX got us in XXXX XXXX XXXX. 
They want {$3000.00} down. We had nothing to put down. They had us set up a payment arrangement and let us leave with the car. Well about 2 weeks or so I told we can not afford the down payment. They told us to bring back the car which we did. I thought was the end of the loan. Well Credit Acceptance started reaching out to collect a payment. 
They said the loan was still active. I explain everything to Credit Acceptance and they said all that was needed was for XXXXXXXX XXXX to confirm the car was there. XXXX XXXX refuse to do so and made a bogus contract that was electronically signed with forged signature from my husband and I. The contract appeared to be sign on XX/XX/XXXX via electronically. If you look into ips address you will find to location of where the bogus signatures came from. We never signed any contracted outside of payment arrangements. We got no paperwork that would have come with vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX has reported to all three bureaus, that my account with XXXX XXXX is delinquent, the account shows {$0.00}. Balance because it had been paid. I contacted the collection agency multiple times over the years and recently, they stated they could not remove. I also contacted XXXX XXXX over the years and a few months ago in regards to removal of the paid account, they initially said they would reach out to the collection agency to have it removed. After no results were achieved, I called XXXX XXXX again and they stated that they couldnt do anything due to the account being in collection even though its paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021, I placed a call to Wells Fargo about unauthorized transactions on my account. I later called on XX/XX/2021 to receive the resolution about the fraudulent charges and they indicated that the claim has been denied, due to response indicators. The responses that the XXXX noted, were not consistent with the answers that I gave the XXXX during the recorded conversation. Wells Fargo has not shown the burden of proof of authorized transactions. The charges are fraudulent and are with a merchant that I have not consented business with. I am not liable for the transactions, therefore, the full amount that has been charged needs to be reimbursed to my account. I have spoken to Wells Fargo about my complaint, but they have not accommodated this issue, leading me to further enforce my legal rights with several other entities. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
On XXXX2021 I, a consumer, a natural person, received Pre-qualification Letter from XXXX XXXX XXXX XXXX for {$50000.00}. XXXX-2021 I went to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX and spoke to Finance Manager XXXX XXXX about using my pre-qualified XXXX XXXX letter to purchase an vehicle. He told me that they don't accept XXXX XXXX after asking me to fill out a credit application. After I extended my credit, XXXX proceeds to tell me that the only way I can purchase the vehicle is with a cash down payment, add a joint applicant or will talk to XXXX Finance Director to " see what they can do. '' and XXXX will get back to me. I followed up with XXXX XXXX who told me there was nothing he can do. I left voicemails with XXXX XXXX, Financing Director to call me back and he never did. In Summary, FORD MOTOR CORP and XXXX XXXX XXXX took adverse action against my rights as a consumer by denying my credit, Discrimination with respect to any aspect of the credit transaction pursuit to 15 US CODE 1691, and unfair deceptive and abusive acts of practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX XXXX, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Moreover, XXXX XXXX XXXX committed aggravated identity theft when they resold my private information to Transworld Systems collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I stayed at XXXX XXXX XXXX XXXX and they placed {$150.00} credit hold on my American Express Bluebird card. On my account it says {$170.00} on hold. I left the hotel on the XXXX of XXXX. It was released immediately at XXXX XXXX according to XXXX at the hotel on XX/XX/2021. XXXX XXXX is still holding the charge on my card 11 days later after the hotel released the hold. They have no business holding the funds any longer and will not release the funds even after I've had the hotel on the phone. 
I want my funds released immediately. Thank you.

Company response to consumer: Closed with explanation