vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2023, my bill was due for {$170.00}. I made a payment in the amount of {$200.00}. Capital One applied the Interest to my account on XX/XX/2023 in the amount of {$120.00}. The interest in this Credit card has about a {$1.00} increase every month. The interest had also increased about {$20.00} every month since the start of the year. Ive never missed a payment to my account. And there is always an over draft when I only had XXXX auto drafted payments made on my card monthly. I have discontinued the auto draft payment. Now there is only a {$40.00} payment that will get placed on this card monthly. XXXX month they are charging me {$90.00} over payment. I have called and have not really got the right answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
I requested copies of all my statements and disputes filed. None have been approved despite the fact I XXXX  documents to provide proof of my claim. It has been over XXXX in disputes and kone have been resolved. I had a problem with ide tity theft. I was unaware that my benefits had been paid as of XX/XX/2022. Maybe earlier than that. I did not receive my card until XX/XX/2022 and due to my XXXX I did not see what was happening. I am XXXX  XXXX and since finding out have learned my lesson. My XXXX XXXX we're either skinned or directly taken out of my account but direct express denied any accounts bring linked to mine. Social security has a different set of details that reflect the amounts bring paid out. However, more than {$250.00} we're being refuced on a monthly basis. Every time I have called I have been detoured and the XXXX  never gets resolved. I would like for direct express to recount every vebegit amount XXXX  and refund my disputed amounts. In XXXX, there was $ XXXX taken out of my account. I disputed and filed a police report. This dispute was too denied. This isn't the only financial institution that has been affected by the identity theft. As a whole, it has caused me great and significant hardship. I would appreciate it if this gets resolved promptly. XXXX has passed and I am close to fing a civil harassment lawsuit because if situations like this. In which I have been blamed for JEOPARDIZED for something I have konostt of. Because of every agency and my financial institutions not completing, I am now XXXX. And unable to pay my rent. I need my funds XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have requested US Bank for a retroactive adaptation or deferment that is applicable to my contract, and since XXXX I have requested that evaluation. It was never my intention to have a delay, but an error with a check caused that. 
I believe that my request is justified because it is part of my contract, and also because I am trying to correct the problem in the shortest period of time and take care that the bank is not affected either.

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 — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX : Bank Fraud occurred in Savings XXXX  XXXX. Purchase bank check or draft : {$7400.00} XX/XX/XXXX : Bank Fraud occurred again in both Checkings and Savings Acct at Wells Fargo 1. cash XXXXXXXX, {$2500.00} 2. online transfer : {$7500.00} 3. purchase bank check or draft : {$6700.00} XX/XX/XXXX Bank Fraud occurred in Checkings : 1. Cashe e-withdrawl XXXX {$2.00}, XXXX XX/XX/XXXX Bank Fraud in Checkings : 1. Online transfer : {$7.00}, XXXX XXXX. Purchase bank check or draft : {$7.00}, XXXX XXXX cash e-withdrawl : {$1900.00} XXXX : Filed XXXX different claims with bank ; called XXXX XXXX, requested new debit card, changed usernames and passwords to online accounts XXXX : Went into bank brank and opened new accounts to prevent more bank fraud, was told the decision on the claims would take XXXX business days. 

XXXX : XXXX claim credit was deposited back into Checking for " ewithdrawls '' in amount of {$4100.00} and {$2500.00} was deposited into XXXX. 

Still missing claims are for multiple " purchase bank or check draft '' that I reported were not me. 

No responsese received via mail, or email. Called Claims dept. today, XX/XX/XXXX and was told my claim was denied because of " pin verification number used '' I asked to speak with supervisor and XXXX who made decision but was only told I would get a call back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted Transunion with regard to my XXXX score. I attempted to explain that my score was inappropriately low. The representative only indicated the company used certain algorithms and essentially I had no way to address the matter. I received a credit card offer today indicating it was a pre-screened offer for a card with a {$300.00} credit limit with a {$75.00} annual fee attached. Ive also received numerous loan offers at 6 and 7 % interest rates to reduce my supposed interest rate on credit cards. 
I purchased a new car using a 0 % interest credit card with a 3 % transaction fee, while earning more than 5 % on liquid investments. I have {$270000.00} in assets to cover my credit expense and am continuing to reinvest earnings in my XXXX XXXX until payment is due next year. 
I believe my credit score is XXXX to XXXX points lower than it should be.

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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland has place a levy on my accounts for a debt ( credit card ) that is not mine. All my accounts are frozen. I am a single mom that is currently unemployed and have no way to feed my children do to the judgment that was place to garnish my accounts... I was never served or aware of this judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX, XX/XX/XXXX I accessed my loan account online and paid off the loan via ACH transfer in the amount of {$22000.00}. The following day I found that the lender had debited my account twice for a total of {$44000.00}. I called the lender to advise of what happened, and they assured me that a refund check would be sent out within three business days ; I was quoted XX/XX/XXXX as the latest possible day it would be sent. I attempted to reach the lender by phone on Friday XX/XX/XXXX to confirm that the refund check had been sent, but was not able to get through to them. On Monday XX/XX/XXXX, I called and spoke with XXXX  ( XXXX? ), who advised that XXXX XXXX in accounting had placed a note on my account questioning whether I wanted a check or a refund directly back into my account. I advised XXXX that given the choice, I'd prefer a refund directly into my account. Several hours later I called again to confirm that this process had started, and was told by another representative that they could only refund via check. Further, I was given a timeframe of 30 days. Due to the error being on XXXX 's end, I do not feel that this timeframe is appropriate. The money in the amount of {$22000.00} that was stolen from my bank account should have already been refunded. I'm logging this complaint to ask for assistance with this process, particularly to expedite it.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
BY law these companies are violating my rights as a consumer.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 


On XXXX  I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I hope this letter finds you well. I am writing to bring to your attention a VERY serious issue that I have been facing with the www.coinbase.com. In this year of XXXX ( please see attached as evidences ), I wired transferred money of {$25000.00} from my personal bank XXXX XXXX XXXX  to www.coinbase.com with the help of the scammer. I transferred my virtual money from www.coinbase.com to XXXX to invest which is a SCAMMING PLATFORM operating in the United States of America. But when I was about to withdraw all my money with profit this XXXX of 2023, I had been asked by the investment web site to pay about {$200000.00} some sort of fees which I do not have at all before I can get them back. I got a feeling that I got scammed big time! Then, I contacted the SEC telling me thru email ( please see attached proof ) that the www.doexoll.com was not legally operated in the United States of America. Unfortunately, this resulted in a significant financial loss for me! The www.coinbase.com here in America did not protect the Americans with this scam web site and allowed or lured American residents like me to transfer money and invest to the illegal web site. The www.coinbase.com MUST NOT ALLOW to engage with the the illegal web site at all that will lure Americans to put their money to. This is TOTALLY UNACCEPTABLE! I demand the www.coinbase.com to INVESTIGATE and take this case very seriously. If not, I will reach out with the local media and cable news for them to do a live investigation about this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Applied for IDR plan by submitting application and income verification information on XX/XX/2023. Application was received by Navient on XX/XX/2023 but I have received no information on the status of this application or IDR plan request. 

Contacted Navient ( my loan servicer ) and was told this process typically takes two weeks. After I advised them that application has been sitting for nearly 6 weeks they told me they may give me an update on my application status on or about XX/XX/2023. During this time, accruing interest and, I believe my loans may be completely forgiven due to the fact that I've been repaying the loans consistently for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX ) was closed in late XXXX. XXXX XXXX I paid a small $ XXXX post cancellation bill. 
Since I have continued to receive billings for {$60.00} and have been sent to Southwest Credit Systems. 
XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Having contacted both companies none would send conformation that the bill is not owed which was a false outstanding bill submitted by XXXX XXXX 
Both said just ignore the correspondence. I Asked for a email form both and neither responded in a positive manner.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I requested a copy of my credit report and to see that there were accounts that didnt belong to me so I contacted my bank and had them to freeze my accounts until further notice

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I requested a copy of my credit report and to see that there were accounts that didnt belong to me so I contacted my bank and had them to freeze my accounts until further notice

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In Acordance with the Fair credit reporting ACT Account : 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 XXXXXXXX {$5500.00} Has Violanted my rights.

.15 USC 1681 SEC 602 A State I have the rights to privacy.

.15 USC 1681 SEC 604 A SEC 2 Its Also state a consumer reporting Agency can not furnish a Account without my written instructions.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In Acordance with the Fair credit reporting ACT Account : 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 Has Violanted my rights.

.15 USC 1681 SEC 602 A State I have the rights to privacy.

.15 USC 1681 SEC 604 A SEC 2 Its Also state a consumer reporting Agency can not furnish a Account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMorgan Chase & Co which manages XXXX 's client funds literally stole XXXX from our bank account when a former client XXXX XXXX did a XXXX XXXX XXXX XXXX on her XXXX XXXX XXXX. Even though we provided the signed XXXX XXXX contract, detailed XXXX XXXX invoice showing legal services performed/received, as well as legal work product, these thieves ripped our duly earned legal fees out of XXXX and thusly confiscated another clients XXXX  to compensate, XXXX XXXX XXXX Please urgently investigate and advise.

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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I'm in the process of buying a home and I realized I had damages on my credit report. According to the 15 U.S. Code 1681 their should not be any damages on my credit report its a defamation to my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX  XX/XX/XXXX - TXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 XXXX XXXX Equifax 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
I bought a used car and was making payments fully paid off the car in XX/XX/2023 And the bank will not send the XXXX to me they even said if I called again they wouldn't send it at all and would block my number

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 — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States | 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 explanation