vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 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: NV

Complaint narrative:
Bank of America has humiliated me for months stole my money and refuses to rectify the situation. For months I've been fighting them over the fraudulent charges made by XXXX. XXXX themselves sent me an email telling me my account was hacked and that I need to dispute all charges with my bank. I submitted two disputes but bank of America says that they made by error and they'd not reverse the charges. No papers, no documents, they even didn't contact XXXX because more of their fraud Dept associate says the reason why they will never refund the fraudulent charges is that the amount is big, and that they indeed never contacted XXXX about it as a cost saving measure. Again, they never explain why they reached the conclusion, nor did they provide me anything in writing. It was all done in a short message via the mobile app stating that the claim will go unpaid and that it's not their fault. This is my second and last attempt to collect my money or I'll go to court and retreat a trial by jury because the thieves at bank of America couldn't care less and they're not even try to hide their indifference. Absolutely disgusting swine!

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 2019-12-30 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: NC

Complaint narrative:
XX/XX/XXXX, ,Continued Issues, That Wells Fargo Bank Never Took Care Any Of My Issues At All, ,Yes They Did Respond To Some Of My Issues, ,But Still Never Did Anything about It!! ( Never Heard Anything About The Settlement Issues, ,Yet, ,XX/XX/XXXX, ,The Unauthorized Banking Accounts, ,This Is So Unacceptable, ,They Talked About The ( Overdraft Rewind On My Bank, ,Which Is Not True, ,If It Was The Truth Then My Bank Account would Not Be Overdrawn For The Last 6months, ,and If Wells Fargo Bank Would Have Paid Me My Settlement Payments On Time, ,Maybe My Bank Account Would not Be Overdrawn Every Month ( 6months ) I Really Thought The Bank Would Have Took Care All Of These Issues, ,BUT They Haven't Yet, ,And To Top It Off, ,This Bank Is Still Too Messy, ,What Happened To The TRUSTED PEOPLE AT THIS BANK !!!

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 2019-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
XX/XX/2019, I went into the XXXX dealer to get information on a XXXX XXXX that I was leasing for {$540.00}. XXXX a month. At that time I had been leasing this vehicle for six months. I was very worried that I may be going over my milage alluded. I just needed reassurance and advice on what I should do. I made it clear that I did not want another vehicle, I just needed reassurance on the milage because I drove out of the city every day. I spoke to the person whom I dealt with for years, I bought several cars at this XXXX dealership in the past so I trusted them, not thinking they would miss lead me. 

The dealer pressured and tricked me into getting another car for {$580.00} a month. No one checks my credit to make sure that I could afford the payments and they tacked on negative equity from the other vehicle of {$11000.00}. The total for one car came to {$41000.00}. 

I am only making {$13.00} an hour, full time and {$11.00} at a part-time, XXXX hours a month at another job. Therefore, I can not afford this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
The report is clearly inaccurate. There are payments after the CO remarks yet only in one credit bureau. Also the dates are reported inconsistently. Please have this deleted. Also several inquiries are pulled without my authorisation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: CITIBANK, N.A.
State: MA

Complaint narrative:
The account that I am complaining is already paid and yet it is not updated to current. Also the payment remarks that they place are disputable and inaccurate. I also have a lot of inquiries that were pulled without my permission. Please help me out.

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 2019-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I applied for and was approved for several Citi AAdvatage Credit cards from XX/XX/XXXX-XX/XX/XXXX. All of my applications were submitted with true and complete information using solicited offers from Citibank to obtain a certain number of XXXX XXXX miles for completing a specified amount of spending in a certain timeframe. All offers were again sent by and approved by Citibank. I got a notification from corporate security at XXXX XXXX on XX/XX/XXXX that was account was being terminated due to the accrual of miles which the email stated : These violations are related to the accrual of ineligible miles and benefits ; through fraud, misrepresentation. This is not true due to the fact that Citibank provided these transferable solicited sign up bonus offers and knowingly kept them transferrable for many years. If the solicited offers were not allowed to be obtained, it would have been caught by the many manual application reviews between Citibank and myself. I am asking that I obtain official information from Citibank and their affiliation with my account termination with XXXX XXXX. If it can be shown they are using their solicited offers they gave me, against me, I would like my XXXX XXXX account reinstates with Citibanks help and all terminated miles returned to the account as well.

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 2019-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I never applied for a car loan and I have a bunch of inquiries on my report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I never applied for a car loan and I have a bunch of inquiries on my report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: NJ

Complaint narrative:
I sent several dispute letters due to incorrect information on my report and it keeps coming back verified. I ask how was it verified and I dont receive a response and it been over 30 days now. I have inquiries on my report that was not authorized and a collection account thats not mine. And nothing is being investigated or disputed.

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 2019-12-30 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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 2019-12-30 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: CT

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: NC

Complaint narrative:
XX/XX/2019,,, Continued Issues That Was Never Solve, ( Example ) If Overdraft On My Debit Card, ,Using. The Access Code, ,The Money Is not Suppose To Come Out My Bank Account It Is Really Supposed To Be Credited From The Bank If Wells Fargo Already Owes Me Money And Never Paid Yet, ,So I Think The Bank Is Stolen Money From Me and Other Customers In the Bank, Which Is So Egregious, ,And Unacceptable!!!!!

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 2019-12-30 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: NJ

Complaint narrative:
I sent several dispute letters due to incorrect information on my report and it keeps coming back verified. I ask how was it verified and I dont receive a response and it been over 30 days now. I have inquiries on my report that was not authorized and a collection account thats not mine. And nothing is being investigated or disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent several dispute letters due to incorrect information on my report and it keeps coming back verified. I ask how was it verified and I dont receive a response and it been over 30 days now. I have inquiries on my report that was not authorized and a collection account thats not mine. And nothing is being investigated or disputed.

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 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My credit report and file was frozen by XXXX XXXX, XXXX  and Equifax without my authorization or permission. I never requested for a freeze to be added to my XXXX XXXX, Equifax or XXXX  credit report. I applied for credit and was informed that my credit report was frozen by XXXX XXXX, Equifax and XXXX  without my permission. Review the attached documentation with this complaint. I did not request or give permission to XXXX XXXX, Equifax or XXXX  to freeze my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My credit report and file was frozen by XXXX XXXX, Experian and XXXX   without my authorization or permission. I never requested for a freeze to be added to my XXXX XXXX, XXXX  or Experian credit report. I applied for credit and was informed that my credit report was frozen by XXXX XXXX, XXXX  and Experian without my permission. Review the attached  documentation with this complaint. I did not request or give permission to XXXX XXXX, XXXX  or Experian to freeze 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 2019-12-30 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$8100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX  CARD with ACCT # XXXX opened on XXXX XXXX, 2016 with a credit limit of {$4500.00} -This is not my account. 


-- CLOSED ACCOUNT -- 2. XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, 2016 with a credit limit of {$8100.00} -This is not my 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 non-monetary relief
Consumer complaint received 2019-12-30 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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 2019-12-30 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: World Omni Financial Corp.
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: MN

Complaint narrative:
Attached is a police report from XXXX Police Department. Please review attached police report. The following accounts listed and showing on my Trans Union, XXXX  and XXXX  credit report are unauthorized, fraudulent and not my accounts : 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 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