vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 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: OR

Complaint narrative:
On XXXX XXXX I noticed a charge on my bank account for Kohl 's in the amount of {$50.00}. I assumed it was fraud because I have not bought anything at Kohl 's on credit for many years. I got a credit card from them in XXXX and added them to my bill paying service at my credit union. I haven't used the card since the first time and always paid in cash for any later purchases. 
I called my credit union and thought I was reporting fraud when they told me that I had sent the {$50.00} through their bill pay service. They said there was no way to stop payment because it was sent digitally the same day, XX/XX/XXXX. Two different bank representatives said they talked with supervisors and one contacted the company that does that service for them. I would have to deal with Kohl 's directly. On XX/XX/XXXX I called Kohl 's and on the automatic system I was asked to input my social security number. I did this five different times and then the message said I would be transferred to an agent. It seemed clear that their system did not recognize my SS number. 
The agent asked for my account number. I told her that I didn't know the number, that the bank for security reasons only had the last 4 numbers on their bill-pay webpage. 
Then she asked for my phone number. I told her that I didn't think they would have my phone number because I got the account 8 years ago. But I gave her my mobile number and also my land line which I haven't had for several years. She asked for my email. I gave it to her and it turned out that their records had no phone number nor email listed for me. So I don't think they recorded those things when I got the card. It was one of those deals where I buy something and they say, If you sign up for a credit card, you get 20 % off today 's purchases. I probably used the card then and entered it into my list of payees on my bill-pay service of the bank 's website. At any rate, the agent said she could not help me if I didn't have my account number. 
The same XX/XX/XXXX I called an hour or so later, after talking again with the bank. The Kohl 's agent basically told me the same thing. Can't help me. 
On XX/XX/XXXX I intended to send a deposit for {$50.00} to a farm for purchase of a pig. The company is XXXX XXXX. Kohl 's is listed right after the Farm on the webpage. I inadvertently sent {$50.00} to the wrong company. 
On XX/XX/XXXX I got the idea to send for my credit report and found the account number for Kohl 's. I called again with the number and the agent said he found my account but nothing more. I tried to find out from him if Kohl 's does their billing inhouse or contracts out with someone. The answer I got was that payments on accounts go to Capitol One bank. They did not have any contact to give me for that bank. 
So I am appealing to you for assistance. My Kohl 's account # was : ( the account was closed ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/2022, Refer to complaint # XXXX - I requested XXXX  XXXX  to provide me with the validation of debt Ietter that is required by law, section 809 ( a ) of the Fair Debt Colletion Protection Act. Section 809 ( a ) of the FDCPA requires that within five days after the initial communication with the consumer in connection with the collection of any debt, a debt collector must send a written validation notice unless the information is contained in the initial communication or the consumer has paid the debt. XXXX did not communicate with me through mail do to the fact the address they have on the validation of debt document is not my address and the address IS NOT on my credit reports. I request a reinvestigation of XXXX XXXX. XXXX  XXXX  state that they mailed me a validation of debt letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The address that XXXX XXXX has on the document is NOT on my credit reports. I have attached the letter XXXX XXXX sent to the Consumer Financial Protection Bureau as evidence. I have downloaded the document and will keep a printed copy. XXXX  XXXX  have violated the laws 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code 1692c - Communication in connection with debt collection - I have asked XXXX  to cease communication with me, but they keep sending me documents. If Transunion XXXX  XXXX continue to report this inaccurate information they are breaking these Fair credit reporting act laws.1681. Congressional findings and statement of purpose,1681b. Permissible purposes of consumer reports,15 U.S. Code 1681c - Requirements relating to information contained in consumer reports,1681d. Disclosure of investigative consumer reports 1681e. Compliance procedures,1681g. Disclosures to consumers 1681h. Conditions and form of disclosure to consumers 1681i. Procedure in case of disputed accuracy,1681m. Requirements on users of consumer reports. I HAVE ATTACHED THE XXXX  XXXX  DOCUMENT SHOWING THE ADDRESS.

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 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have been a excellent customer with Capital one for 2 years now and I have always made my payments on time. Back in XX/XX/2021, I had to make an emergency travel to my country so I went online and setup my account on auto-pay so my monthly payments could be deducted from my checking account automatically while I was out of the country. I received confirmation from the system that I was set for Auto-pay. So I left the US thinking I would not have any issue. When I came back this month, I found out after login in my account that the auto pay didn't work and the monthly payment was not deducted. So Now my account has been late and reported to the credit bureaus. I just lost 100 points just for that. I'm in the process of buying a house and I just got denied by my bank because of the impact of that late report on my credit. 

I called Capital one multiples times and the agents I spoke with told me they were going to potentially remove it but will call me back to confirm. Haven't heard from anyone since then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zarzaur and Schwartz, PC
State: MS

Complaint narrative:
On XX/XX/XXXX Zarzaur & Schwartz, P.C. reported a debt to my credit score. On XX/XX/XXXX they contacted me by mail. By doing so they committed Aggravated Identity Theft because I do not know them and it is illegal in the United States to collect without a contract. I originally owed XXXXXXXX XXXX, but now ZarZaur & Schwartz, P.C. who Ive never contracted with has my personal information and is now trying to collect on a defaulted security. They are attempting to extort me and commit theft by deception by ruining my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity of this, and any alleged debts until Zarzaur & Schwartz, P.C. can provide me with sufficient documentary evidence that I have legal obligation to pay them. If this documentary evidence can not be produced and Zarzaur & Schwartz, P.C continue its collection efforts, I will file for litigation for actual damages caused and Zarzaur & Schwartz, P.C. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is nothing but an ecommerce site that constantly tries to force you to purchase their monitoring or other services instead of allowing you access to your credit file. Every time I try and login, i'm redirected to the ecommerce site to purchase a monthly service from this. When i called support, they told me they were resetting my password, and then did not send me the password reset emails. I've been going around and around for 4 hours. If Transunion is going to be nothing more than a seller of credit services, they should not be allowed to be a credit reporting bureau. They are monetizing services that should be made available to the public and causing great harm to consumers by refusing to allow consumers to access their credit profile.

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 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: AZ

Complaint narrative:
Cash app refuses to release money I put on the card to.purchase a car. I have provided the info requsted.and they still Won't respond with anything more then an automated reply. Please help me its all the money I have and I was waiting for tax season so that I can solve my transportation issue and get to.work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I have made several cash deposits resulting in my account information saying I withdrew. I have done this several times with managers watching and it continues to occur. I have had transactions from my account through the atm that I did not make. I contacted fraud, managers, they say they need to look into it. I have lost close to {$1500.00} in the past month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX is supposed to be some sort of a collection agency or whatnot that asked for money from me however, I've spoken with counsel and asked for them to verify the debt as per the new Credit Laws based on Comprehensive Credit Act of 2020. None of the steps were validated and confirmed and I do not believe that the debt belongs to me. Every time I reach out and ask for assistance, that's when they never provide me what the law states. 

I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.

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 2022-02-25 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: LEXISNEXIS
State: NC

Complaint narrative:
My XXXX XXXX XXXX was discharged on XX/XX/XXXX. XXXX and XXXX updated my credit file to reflect the discharge. XXXX did not so I disputed with XXXX on XXXX. XXXX reported that they verified the information as correct with a third party, LexisNexis. I contacted LexisNexis on XX/XX/XXXX and LexisNexis stated that they show the XXXX  XXXX disposition as discharged and their file was updated on XXXX. Since the information was incorrect still on my XXXX credit report, I disputed again with XXXX. This dispute was XX/XX/XXXX. With both of my disputes I provided the court document showing the discharge. 

On XX/XX/XXXX, I received the dispute results and again XXXX claimed they contacted LexisNexis to verify the data and that the information was being reported correctly. I contacted LexisNexis again on XX/XX/XXXX and again they stated that they show the discharge. LexisNexis stated to call XXXX again. 

This is unacceptable. I provided information to XXXX twice showing the discharge and the third party verifies the discharge in their records. XXXX is not meeting their requirements under the FCRA to report a consumer 's information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX  Account # 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 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 explanation
Consumer complaint received 2022-02-25 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: MI

Complaint narrative:
I hold 2 credit cards with JPMCB, yet 3 cards consistently appear on my credit report. I phoned JPMCB to inquire, and they confirmed that there was a third card with middle digits XXXX which was being used by someone who either has my same name or was fraudulently abusing my name. The representative at JPMCB explained that sometimes a card registered to a person with the same name can sometimes be attributed to the wrong credit report. In this case, the representative stated that JPMCB would issue a letter to each of the credit reporting agencies to notify them of the error and have that card taken from my credit report. This is upsetting to me because I keep a zero balance on my cards and yet my credit score has been stuck in the middle 700 's for more than three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JLB CORPORATION
State: PA

Complaint narrative:
I inquiried about doing a refinance with Golden Oak Lending after receiving a flyer in the mail, after providing my interest rate I was told that the rate on the flyer was old and they could not do better than the rate I already had, yet they did an credit inquiry after the fact.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
As a consumer by law only I can validate a debt. XXXX sent me documents with W Signatures and things on it. Those signatures can be anybody signature. 
If a debt collector got myinformation from the alleged corporation I did business with that's a violation.I didnt consent to or sign off on them to Waive my information. 
That's called fraud it's no way around it. 

That's unauthorized use under 15 USC 1602 ( p ) D The term " unauthorized use, '' as used in 44 " section 1643 of this title, means a use of a credit card ( social security card ) by a person other than the cardholder ( Consumer ) who proter does not have actual, implied, or apparentonlylc.. 
authority for such use and from thich l

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 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am a longtime customer of SunTrust and since this merger. I have not been able to access my accounts, when I go online it is showing that I don't have any accounts with them. I actually have 2! If I try to login using desktop, the system will immediately log me out. I call customer service and they had me in hold for 1 1/2, then hang up.

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 2022-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC
State: OH

Complaint narrative:
Caller from ( XXXX ) XXXX claiming to represent skip trace service for their ASG, looking for unnamed person. I believe this is related to search for XXXX XXXX / XXXX XXXX / XXXX XXXX, claim lead by ASG

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had funds in my account on XX/XX/22 and sent my sister 11 through XXXX and when I sent it nothing was pending or processing on my account at the time I then get a email saying that it was overdrawn and a fee was posted to the account and again on XX/XX/22 I called the bank and got the run around and if I didn't have my XXXX funds coming on the XXXX of XXXX I would have closed the account but I really don't want to go through finding another bank and setting everything up with another bank and all the accounts I have to pay I been with the bank for 17 years and this is the first time this has happened and I got no help from them they don't care about their customers and I just hate to close my account for something like this please help me with this company asap I just want the two fees waived and that's 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 monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NE

Complaint narrative:
I have been reaching out to National Credit Systems , Inc . 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX : XXXX Email : XXXX Using the Toll-Free number the week of XX/XX/2022. On XX/XX/2022 I have attempting to call to potentially work an arrangement to pay this debt I supposedly owe to get it off my credit ( even thought XXXX shows it as included in my chapter XXXX XXXX ). 

I spoke with the operator and she states that only XXXX XXXX can help me and she is out to lunch and nobody else can assist me with paying. Furthermore, she was supposed to transfer me to her voicemail and the line just died. I called back and XXXX XXXX 's direct extension of " 132 '' same result, no answer just dead line. I then tried to reach here my the dial by name feature their IVR service has, again, no luck. 

So, it doesn't seem very fair. Rather abusive and deceptive to me that I can just call to get this figured out - yet nobody is available to assist me? Clearly in business hours- I am calling around XXXX - XXXX. 

So, apparently they must not want to collect this debt, therefore they should just dismiss this and remove it from my credit bureau as it shouldn't even show as I owe on it on my XXXX  and XXXX- like XXXX shows, it was included in chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # 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 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