vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XXXX Capital One charged off a credit card that I had with them. They have continued to report it as a charge off even though it was possibly sent to a third party. In XXXX of XXXX I called Capital One to get information on this charge off that they had. I spend about 45 minutes on the phone with the representative trying to get my information. The representative said that she couldn't find my charge off information at all in her system. So I started a dispute with the credit bureau. As of today XXXX XXXX I called Capital One back because I'm trying to get a mortgage and spend an hour and a half on the phone with them and my mortgage lending trying to get something showing my charge off account with them so I could get on a payment plan and yet again they were unable to find anything on my charge off account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This is the letter I sent to Paypal buyer credit including pictures of the discrepancies they did not even review my evidence before they looked at the sellers and ruled in her favor. A supervisor stated that they have a automation system that determines how it it ruled. The wig is not as I order nor des it do what it promises on the website.

Dear PayPal Buyer Credit, First, I ordered a custom silicone wig from XXXX. The promise was that this wig will create a suction on the head of bald individuals and essentially become a second skin. In other words, the wig would suction to the head without the need of adhesives. A major defect I noticed immediately was when I attempted to install the wig on my head the sides of the wigs kept lifting up from my scalp. ( Please see that I complained about this multiple time to XXXX ). When I initially addressed this issue with XXXX in a phone conversation she stated, yes this is a flaw with this type of wig. XXXX never informed me of this flaw and the wig not only doesnt stay down on the sides after attempting to install it multiple times the silicon only sticks to certain parts of my scalp. ( Please see what her company promises on her website ) And it says nothing addressing what she stated in her first phone conversation nor her second response in writing. 
Again, in XXXX second response in writing, she began making accusations that I did not measure correctly. Therefore, by this time I found it wise to get all correspondence with her in writing. And this accusation is not true I have XXXX XXXX and I have been wearing custom wigs for over 10 years now and I order at minimum three per year and I am skilled at taking my measurements, which has rarely changed over the years. ( Please see correspondence ). Please see website and cap that I picked. https : XXXX XXXX, I also sent a picture of the hair texture I wanted mimicked, and this was not correct also. The hair texture that I received is very kinky and nappy. I requested a hair texture that was similar to a XXXX womens hair after having a perm for a month or so. It is slightly course with a wavy textured look to it ( Please see sample pictures in comparison to what I actually received ). 
Lastly, the final invoice I received reflects that I requested baby hair around the perimeter and the wig does not have any baby hairs. 
In closing, I made several attempts to have these defects of the wig corrected and it obviously was not honored. As a matter a fact she began accusing me of not measuring correctly. Leaving me with no choice but to dispute this half of the charges from her.

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 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/22 It was brought to my attention a withdrawal of {$3000.00} occurred on XX/XX/22 at a local Chase bank ( located at XXXX XXXX XXXX XXXX XXXX XXXX, CO at XXXX XXXX  MST  ). I am a recent victim of identity theft and an individual with my CO DL went into this branch*, physically walked to a teller counter, and withdrew money from my account. ( This individual has done the same at other branches/ banks that I am member, and I have them on camera ). They do not look like me, in fact, they are even a different ethnicity than I. Chase allowed this individual to withdraw funds fraudulently. I made a claim with Chase 's Fraud Department on XX/XX/22 ( also closing out this account day of ) and again on XX/XX/22 calling their fraud dept. ( sending them a police report, per their request ). When I called back to check the status of this claim they said the claim had been closed and that the signatures matched for the withdrawal to occur. ( Please recall, the signature is on my stolen DL card - and the criminal likely tried to copy it ). I have requested that Chase bank reopen the claim and they have refused, indicating their fraud team has assessed my materials and have not found this to be a fraudulent occurrence. I asked to see footage of the individual in the bank when this event occurred and the bank said they could not share that information with me. I KNOW if they check the cameras that it will prove this individual is not me. I have multiple police reports to share if need be.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I Noticed Unauthorized Inquiries On My Credit Report. 

Navy FCU XX/XX/2020 XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I've noticed there are wrong addresses and phone numbers and even my name is wrong on my credit report I've tried to call and write letters to have them updated to no avail can someone please help

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've noticed there are wrong addresses and phone numbers and even my name is wrong on my credit report I've tried to call and write letters to have them updated to no avail can someone please help

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 2022-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On or about XXXX I reported my Capital One credit card ( # XXXX ) lost.It was locked out by C/O and a new card was issued, when I attempted to activate new card is when the problem started. # 1 I had problems communicating with customer service due to very fast broken English. I was told to send my identification to C/O fraud department which I have and now they say they can't read it.I am very disappointed with the company and have canceled my cards, the problem is I have approximately {$300.00} in rewards they say I am unable to get after I no longer have their cards.I feel C/O owes me this rewards money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2022-03-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX I received an offer from Bank of America to earn {$10.00} bonus if I used the Mobile Banking App to pay a BofA Credit Card bill by XX/XX/XXXX. 
I called BofA and asked if I could pay the bill before XX/XX/XXXX and have the payment post past that date. I was assured I could do this. I then proceeded to process the bill in the BofA account. 
The {$10.00} credit didn't post for several weeks, and I called BofA numerous times, spoke with several people, XXXX, XXXX, XXXX, XXXX and many others. Each and every representative I spoke with assured me that the {$10.00} will be issued, it just " takes time ''. I spent approximately 8 hours of phone time trying to get a {$10.00} issue resolved. 
After several months I contacted BofA by mail and received a reply that the {$10.00} will not be issued since they claim I never activated the account. This is a lie. I contacted XXXX XXXX legal firm to intervene in my behalf. 
BofA retaliated by placing a " charge off '' on my credit report, thereby severely decreasing my nearly perfect credit score of XXXX. 
I cancelled the card on XX/XX/XXXX, and paid off the balance. I held back the {$10.00}, plus {$25.00} for the time I had spent on the phone trying to get this issue resolved. 
I am asking BofA to zero out my account and remove the " charge off '' from credit reporting agencies.

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 2022-03-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was the victim of identity theft and have been attempting to resolve issues that have now gone on for several years and there are still some items that the credit bureaus and creditors are not removing. I have filed a FTC Identity Theft Affidavit and provided such to all three consumer reporting agencies and the creditors. 

The remaining items I have not been able to get help in resolving are : 1. XXXXXXXX XXXX XXXX, Acct XXXX, Open XX/XX/XXXX and XXXX XX/XX/XXXX which shows a charge off of {$4200.00}. This is not mine and I have provided all parties documentation of this identity theft. 

2. XXXX XXXX XXXX XXXX : Line of Credit XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$26000.00}. This is not mine and I have furnished all parties documentation. 

3. XXXX XXXX XXXX XXXX : Credit Card, XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$6300.00}. This is not mine and I have furnished all parties documentation. 

4. XXXX XXXX : Credit Card XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$4400.00}. This is not mine and I have furnished all parties documentation. 

5. XXXX XXXX XXXX  : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$14000.00}. This is not mine and I have furnished all parties documentation. 

6. XXXX XXXX XXXX  : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$15000.00}. This is not mine and I have furnished all parties documentation. 

XXXX  XXXX : Credit Card. Do not have the account details. Charge off {$5200.00}. This is not mine and I have furnished all parties documentation. 

I have repeatedly sent copies of my request along with a copy of the Federal Trade Commission Identity Theft Report. Under FCRA Section 605B they have no more than four business days to remove or block. This has now gone on for months and months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: PNC Bank N.A.
State: CO

Complaint narrative:
I have been trying to resolve this issue with PNC in regards to my mortgage and they have been unable to assist me with the matter. I have been on time with my payments and the late payments are reporting inaccurately and should be removed from my credit report. 

PNC also has the payment status reporting inaccurately. They have me listed as Late 120 and Late 150 days when the balance is at {$0.00}. I have been educated about this and it is an infraction and is an FCRA violation!! This needs to be adjusted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX {$5400.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXt # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Synovus Bank
State: UT

Complaint narrative:
XXXX XXXX XXXX stated they were not a debt collection company. They were working to negotiate a resolution for a debt that was from 2004. The first woman was very rude and kept hanging up when I tried to get additional information. They have called my mother, wife, father, and one of my brothers ( at this point ). I did ask them to stop all contact. I still have no idea what the supposed debt is for. The representative also told me that they are going to do a review of my assets to determine what they will take to resolve this and that a public judgement will be issued against me that my neighbors can see. I believe this is a scam and not sure of this is a reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX {$5400.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00}

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 2022-03-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I ordered 6 hoodies in total from the clothing company XXXX, however I have not received them. I ordered 4 on XX/XX/XXXX for a total of {$180.00} and then ordered 2 more on XX/XX/XXXX for a total of {$150.00}. The money was taken out of my account the day after I purchased the items but the products never came. I've tried emailing and messaging the owner of the business but he has not been responding to anything I sent. On XX/XX/XXXX I filed a dispute with capital one so that they would return my money which was a total of {$340.00} whoever, they told me I waited to late to file the dispute so they could not do as I requested. The website of the company has changed since the purchase XXXX  and XXXX

Company response to consumer: Closed with explanation