vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 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: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
I am writing to request your assistance in resolving a distressing issue related to erroneous collections accounts that are inaccurately reporting on my credit report. I am a victim of identity theft, and these accounts do not belong to me. The XXXX accounts in question are as follows : 1. Account with XXXX XXXX XXXX for {$210.00} 2. Account with XXXX  XXXX  for {$90.00} I have diligently checked my credit report and can confirm that these accounts have been inaccurately reported and are negatively impacting my credit rating. These erroneous accounts have the potential to cause long-lasting harm to my financial standing, which is of great concern to me. 

As a victim of identity theft, I have taken all necessary steps to report and address this issue, including filing a police report and working with the credit reporting agencies to dispute these inaccuracies. However, despite my efforts, these collections accounts remain on my credit report. 

I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate the closing and resolution of these unknown collections accounts. A fair and just resolution would be the immediate removal of these erroneous accounts from my credit report. Removing these inaccuracies is essential to restore the integrity of my credit history and ensure that my financial future is not negatively affected by circumstances beyond my control. 

I understand the importance of maintaining the accuracy of credit reports and the potential impact on one 's financial well-being. I trust that the Consumer Financial Protection Bureau will work towards ensuring the removal of these erroneous accounts, as this is crucial to my ability to access credit and financial opportunities. 

I request your prompt attention to this matter and your assistance in resolving this issue. Your support in helping me achieve a fair resolution by removing these inaccurate collections accounts from my credit report is greatly appreciated. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my consumer credit reports and noticed that my former account with XXXX  XXXX with the account number starting with ( XXXX... ) is still showing and Account Status as a Derogatory account as a Charge Off and Closed. This account is settled and Paid In Full As Agreed with this creditor and Consumer reporting agencies have assumed a vital role and have responsibly to report consumer information that the best of their ability with maximum accuracy. This account is Paid in Full so please investigate and update my account status to Paid In Full with the documentation provided as proof to make this change.

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 2023-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On or about XX/XX/2023 I opened two new checking accounts with Capital One. On Saturday, XX/XX/2023 I authorized Capital One to take {$4100.00} out of our checking account from another bank to put into one of our new checking accounts with them. On XX/XX/2023, four business days later, they took the money out of our prior account and only deposited {$2500.00} into our new checking account. My other account has a XXXX balance and there remains {$1600.00} which I do not have access to. They have it but will not put it into my account for me to access. We have worked hard for this money and it is ours and it is needed to pay bills. That is, after all, the purpose of a checking account, to pay bills. 

Additionally, on XX/XX/2023, I authorized Capital One to take {$2200.00} from our other outside checking account. Unfortunately, I believe that I will have the same issue. Again, this account also is used to pay bills, some businesses take their payment from the account automatically, others I need to pay, I need access to all of the funds immediately. Depositing it piecemeal is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I closed an account at Chase bank around 6 months ago and today the sent me an email that my new card with a {$16000.00} limit was in the mail, my previous one was {$500.00}. They had already attached the account to my online banking account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They closed my CD Brokage account by force. Also closed my personal banking account and accused me of fraud and it caused me emotional distress. Bank willfully engaged in negligence, financially abused me as an XXXX  person.

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 2023-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an account with Capitol One that closed my account & now I dont know where my money is, I dont have access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: CBC Companies, Inc.
State: IL

Complaint narrative:
My credit was ran numerous times without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
My credit was ran numerous times without my permission

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 2023-10-26 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: MI

Complaint narrative:
On XX/XX/16 I submitted a complaint regarding late payments being reported on my account I received notification stating that the information was updated. Nothing has been updated I am submitting another complaint for each account Individually so that no information will be missed or miscommunicated. I am attaching proof that each account was paid as agreed upon.

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 2023-10-26 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: CA

Complaint narrative:
Delete this account for inaccuracy, because the date the account XXXX was opened for XXXX XXXX  is reporting XXXX different inaccurate dates, XX/XX/2018 and February 1, 2018.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Reporting this misinformation is attacking my character as a natural person and is in direct violation of my rights as a consumer stated in : FCRA 15 USC section 602, 15 USC 6801, 15 USC 1681 section 604 a section 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681s- 2, 15 U.S. Code 1681 e, and 12 CFR 1016.7

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 2023-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tate and Kirlin Assoc
State: TX

Complaint narrative:
I have spoken with someone from Tate & Kirlin who have purchased a debt ilegally. According to 15 USC 1692g they can not sell a debt and no one can purchase a debt and come after you for it. They have violated my rights by buying and selling my information. I have not sign any agreements or enter any contract with this company nor did i give them any of my personal information. I would like a cease and desist on all forms of contact from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Delete this account for inaccuracy, because the date the account XXXX was opened for XXXXXXXX XXXX XXXX is reporting two different inaccurate dates, XX/XX/2018 and XX/XX/2018. 


15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Reporting this misinformation is attacking my character as a natural person and is in direct violation of my rights as a consumer stated in : FCRA 15 USC section 602, 15 USC 6801, 15 USC 1681 section 604 a section 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681s- 2, 15 U.S. Code 1681 e, and 12 CFR 1016.7

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 2023-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Dear Sirs : I wish to bring your kind attention to the enclosed documents for my safety deposit boxes at Wells Fargo XXXX location, XXXX. 

I have been your long term customer for last XXXX  years. You can verify on top of both the safety deposit Boxes agreement, XXXX XXXX Manager of Wells Fargo signed stating that the boxes are given to us for free for life so long as we have our accounts with the Bank. 
We went through different store Managers, at this location, XXXX XXXX, XXXX and other XXXX, who have been reversing the box fees. The fee was first charged and then removed as per the explanation given to us by all previous managers ( an arrangement required for the banks paperwork sake ). 

I have been in communication with Wells Fargo business line of communication executive office and I am not getting anywhere and there is no understanding after producing proof of free boxes by your Manager.

I would really appreciate your offices help and getting this issue fixed asap and we should not be charged for these two safety boxes so long we bank with Wells Fargo.

Awaiting to hear from your office soon. Please make sure that the charges levied towards the boxes have been removed and hereafter we do not have to encounter any further issue in future with the new store managers at this location.

We have been your customer and we would like to continue doing business with your bank unless we are forced to leave due to poor customers service. 

Appreciate your taking valuable time in going through the documents. 

Thanking you, 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 2023-10-26 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:
XX/XX/XXXXXXXX  I applied for the credit card and got approved. The term said XXXX pointsfor {$6000.00} spent in first 6 months, and additional XXXX points for 6 nights stayed in XXXX properties booked through XXXX. The reason I applied because I think the additional XXXX is attractive. 

XX/XX/XXXXXXXX  I booked through XXXX official site & stayed for 6 nights. But never got the XXXX points. 

XX/XX/XXXXXXXX  - XX/XX/XXXXXXXX  I talked to NINE ( 9 ) different agents for this matter. At first, I was told I need to wait for 8-12 weeks to get it. Then after 12 weeks, they opened & closed 2 cases to investigate why the bonus points were not granted to my account. Meanwhile, I connected with AMEX at least 5 times ( both online chat and phone call ) to ask about the investigation results. They just kept saying the case was closed & I was not eligible but can't tell exactly why I was not qualified. 

XX/XX/XXXXXXXX  I talked to a supervisor, after several argument ( he claimed that I was not eligible because there needs to be 6 different stays instead of nights, but the term he sent said otherwise -- > it CAN be the same stay with 6 paid nights ). After I explained the term, he said he understood the terms, said he will investigate this, asked me to upload all evidence ( including receipt & booking confirmation ) and get back with a phone call within 1-2 days, I did everything he asked, but he never call back. 

XX/XX/XXXXXXXX  I initiated another chat with an agent, he just kept repeating that the case was closed on XX/XX/XXXXXXXX  and no activity after that ( not as the supervisor suggested, that he will reopen on XX/XX/XXXX ). The agent said he will reopen the case for investigation. But I am super frustrated, by this time, the case was opened and closed 4 times, and still no resolution ( no reason provided why I wasn't granted the bonus points, nor was the points granted ) I think this is FRAUD and I felt cheated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I tried to purchase a router on XX/XX/XXXX on XXXX website. XXXX website redirected me to XXXX  to complete the transaction and it was approved on the XXXX website ( Loan payment provider ). So I got charge for a downpayment {$100.00} on XX/XX/XXXX ( see attached image ChargeFromXXXX screenshot from chase bank website ) When I check on my email or XXXX  website order history, it shows nothing, no order detail no transaction can be found under my account. ( see attached image NoOrderOrTransactionFromXXXX  ) So I tried to contacted XXXX  website ( the loan provider ) to submit a complain ticket and I got the answer. ( see attach images XXXX ) That the loan ( ID : XXXX ) is approved and charged me for {$100.00} for XXXX product XXXX I told them I have no order confirmation email or any transaction that can be found under XXXX website. They ask me to contact merchant ( XXXX ) to solve the problem. 

So I contact XXXX ( XX/XX/XXXX ) and created a ticket XXXX to investigate my problem and got the response from XXXX billing team said there is no charge or any transaction that can be found and case closed. Please see the attached screenshots for reference that i had been charged for {$100.00} Then I contact Chase bank ( XX/XX/XXXX ) for a claim for the transaction ( Reference # XXXX ). They give me temp. credit on same date. But this morning ( XX/XX/XXXX ) they send me a letter and told me that the transaction is valid and they will remove the amount {$100.00} from my checking account. THIS IS NOT TRUE. I DID NOT receive any product or service from XXXX website. 
So I wrote a letter to Chase ( see attached image LetterToChase.jpg ) and call them 3 times and they said the claim is final and refuse to reopen my claim nor to refund me my money. 

If you need more information, please contact me. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: CA

Complaint narrative:
Delete this account for inaccuracy, because the date the account XXXX was opened for XXXXXXXX XXXX XXXX is reporting XXXX different inaccurate dates, XX/XX/2018 and XX/XX/2018. 


15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Reporting this misinformation is attacking my character as a natural person and is in direct violation of my rights as a consumer stated in : FCRA 15 USC section 602, 15 USC 6801, 15 USC 1681 section 604 a section 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681s- 2, 15 U.S. Code 1681 e, and 12 CFR 1016.7

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 2023-10-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have a XXXX Credit Card from Synchnrony bank. 

A while back I had problems making payments. I called Synchtony bank and agreed that I will close this account and start making fixed monthly payments until the account is paid off. In return, Synchrony will not charge me interest or late fees. 

However, for the month of XXXX, I was charged {$840.00} of interest. 

I called Synchrony bank to reverse this charged, but they refused to reverse it claiming that the charge was accumulated interest on promotional balance.

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