vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a secure credit card {$2000.00} 4 years ago with US Bank When I filed for bankruptcy to build my credit I was told my account would be reviewed after12 months to get an u secure card or upgrade my current account to unsecured account. Its been 48 months I have never heard anything from US bank about upgrading my account so I requested a review of my account I have never been late nor exceeded my credit limit in the past four years I have obtained XXXX creditors all in excellent standing never late and all paid in full with no balances zero debt obligations! My income to debt ratio is less 10 % I have a car loan in excellent standing! Yet I was denied stating I have delinquent accounts? I have zero delinquencies I only have my bankruptcy which was closed in XX/XX/2018 this was the reason for opening this account to improve my credit. My credit score thru US bank system reads XXXX on my reports Im at XXXX. The letter I received from US BANK makes no sense.

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 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On Thursday, XX/XX/XXXX, I received a text message from Chase bank asking if I attempted a XXXX  XXXX payment on XX/XX/XXXX? I responded " No '' and was told that someone from Chase would call me. I then received a phone call from Chase Bank asking me to verify my account and they told me they were able to prevent the scam from happening. They then gave me some steps to do to cancel out the attempt via XXXX. They told me to add myself as a recipient by putting in my mobile number and email and I did. They told me that it would take 20 minutes for the money to show back up in my account and if it didn't call Chase bank. After 35 minutes I called Chase Bank to get an update and the representative said they had no record of what I was talking about and told me that I was scammed. They then put a claim in and told me to contact them in a week to get an update because it was going through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
At the time I saw charges on bank of America I claimed fraud because it wasn't me that authorized it. 

XX/XX/2022 XXXX it was concluded that the merchant provided a receipt to have received the serviced.. Of course it was received..it 's unauthorized to begin with... I didn't receive it. This was sent via letter on XXXX. No I don't have it.. I teared it up today I was frustrated with bank of America. 

The others charged successfully disputed. 

I called a 7 to 8 times to find out pending claim and i gotten mix answers yes I have one no I don't have one and I did have one and it was the XXXX. I checked and saw there's another pending XXXX for XX/XX/XXXX claim id XXXX that's pending when. I check the bank of America app... I was confused on the phone, I mentioned about family members who makes unauthorized charges and it was the Tennessee rep taken it sorry it was a family member, it's not subject to fraud. Once said can't be removed I didn't even know that rule ... in the future how do you claim fraud if you didn't know anything about it in the first place and I was doing my due diligence to dispute them as I checked my account. I saw the unauthorized charges and did dispute. 

It's just frustrating, I thought it was successfully fraud claim and saw to my surprise a charge.and now a pending...

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 2022-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I enable automatic payments in XXXX with santander consumer to start in XXXX. They didn't enable them as asked and are refusing to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
According to the FCRA ( Fair Credit Reporting ACT ), any items that are reported on my credit must be authorized and correct. I reviewed my credit and noticed that there were inquiries reported that were not authorized. I have contacted the creditor as well as the credit bureaus and they have not responded to my request to remove these items. I requested these items be removed on XX/XX/XXXX. I called again on XXXX/XXXX/XXXX and still have gotten no response or assistance with these items that are not mine. 

Capital One Date of the inquiry XX/XX/XXXX Capital One Date of the inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: MD

Complaint narrative:
Elan closed my account after missing one payment... they say it's because they can't identify me... but why would they approve me in the first place.. so I called and they wanted me to mail my ID and ss card... I'd sooner cut up the card... but want others to know what a headache they can 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 2022-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XXXX XXXX NAVY FEDERAL CREDIT UNION, carried out an unauthorized transaction for amounts I directly disputed and DO NOT LAWFULLY OWE and despite this consumer having rescinded his consent XXXX XXXX, to be liable for any unauthenticated amounts. I conditionally accepted there demands for the corrected statement and tendered payment in lieu of cash payment. The company has taken my payment and continues to come after me. The company has failed to follow any thing close to law. This is not a duplicate complaint. This is an additional complaint. How may a company continue to debit my checking account for debt that I have disputed as not owing? I have rescind my consent previously, is there something I am missing? This is organization is a fraud and must be stop, Abuse to veterans with all they have when they are double dipping by taking my discounted coupons and my cash. This is a fraud and represents a grave mistrust to the public.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now

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 2022-03-17 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Started a loan with us bank on XX/XX/XXXX no documents were requested regarding said loan until XX/XX/XXXX after my offer was accepted on a property on XX/XX/XXXX. Throughout the process there has been a lack of communication regarding my loan and documents needed. My original loan officer XXXX XXXX actually resigned during the middle of this process and it was handed to a manager by the name of XXXX XXXX ( phone XXXX ). XXXX has been extremely slow to communicate throughout the process, communication from him is typically after business house between the hours of XXXX. With the delay in information my closing was set for XX/XX/XXXX which has been pushed back multiple times and now leaves the sellers of the house potential being XXXX  as their buyer is no longer willing to extended the contract on their home to purchase. I can supply emails and text treads throughout this process to show of the delays. My loan officer XXXX  fore refuses to call me or ask for any information, she speaks to third parties and not myself directly. This case has caused me to miss numerous hours of work as well as pain and suffering from miscommunication

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 2022-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: VW Credit
State: NY

Complaint narrative:
I submitted a complaint # XXXX on XX/XX/XXXX to have Volkswagen cease from calling me with robo calls which I have confirmed with Volkswagen they received on XX/XX/XXXX. I received another robo call on XX/XX/XXXX and called Volkswagen to advise them to stop again. I then received another robo call on XX/XX/XXXX and called Volkswagen back to advise them to stop again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I do not recognize the transactions charged in my checking account listed below : 1. XX/XX/2021 - {$1900.00} 2. XX/XX/2021 - {$1700.00} 3. XX/XX/2021 - {$860.00} 4. XX/XX/2021 - XXXX 5. XX/XX/2021 - {$4000.00} On XXXX XXXX XXXX  I called for the first time to inform the bank what had happened. They provided me with the reference case XXXX. 

A couple of days later I received the refund for the {$4000.00} transaction and not the rest. All of them were made on XXXX. 

I received a letter from Citibank saying the " We have completed our review of your dispute for the transactions above, ( ... ) and determined you are responsible for the charges in question. 

I called again and I was instructed to write a letter asking to reopen the case and provide evidence to support my dispute. I got an email from XXXX saying the transaction was not authorized and the account which was used was already blocked. I also attached my XXXX purchases history. 

After that, I keep calling to follow up and never received a definitive answer. The case numbers below are for the follow-up calls : XXXX 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 2022-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent dispute letters to the three major bureaus, XXXX, XXXX, and Transunion dated on XX/XX/2022. These letters were sent certified mail with a return receipt. 

The return receipts were stamped on : Transunion XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022. 

I sent a 30 Day No Response Letter on XX/XX/2022 ( for XXXX ) and XX/XX/2022 ( XXXX & Transunion ). They all were stamped received on XX/XX/2022 According to FCRA, the bureaus have 30 days to respond to my dispute letter. That did not happen and now they are refusing to remove the unverified accounts. 

I would like the accounts that were not received within 30 days to be removed permanently from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Follow up complaint to CFPB Complaint ID : XXXX I filed a complaint with the CFPB previously about pension funds that should be reversed to XXXX by Capitol One. I had requested the reversal after I made a pension fund deposit in error in XXXX. The check was made out to XXXX XXXX XXXX ( my name ) for IRA rollover and should never have been accepted for deposit by Cap One. I immediately contacted Cap One and asked that the deposit be reversed. It took a full month for them to complete this reversal which shows as a reversal on my Cap one checking account on XX/XX/XXXX. Since that time, XXXX, the check issuer, has not received the funds back. During that time, I called Cap One customer service at least every week and requested that the funds be transferred back to XXXX, and I also Emailed contact people at Cap One asking for escalation numerous times. I also called CapOne customer service with a XXXX representative on the phone hoping to facilitate the transfer back to XXXX. 
After I filed my initial CFPB compliant, I received a letter from Cap One on XX/XX/XXXX, which directed me to contact a representative a Cap One named XXXX to complete reversal of inadvertently deposited funds back to XXXX, the check issuer. Since that time, I have attempted to contact XXXX over a dozen times, each time leaving a phone message and phone number where I can be reached. She has not contacted me. I have also called the general customer service number at Capitol One on multiple occasions and they have been unable to help me, telling me that they would investigate the issue and call me back. I have called them for further escalation on XX/XX/XXXX and again on XX/XX/XXXX. They stated that they would have " XXXX '' call me back. This has not happened. 

I have been trying to get this pension check roll over reversed to XXXX since XXXX. I have spent hours on the phone with their representatives, have written Emails to their contact people, and have now spent an additional month calling XXXX in the office of the president. The customer reps who I called on XXXX and XX/XX/XXXX have Emailed " XXXX '' to try to get her attention and have not gotten any responses. Please assign someone to handle this intervention with cap one since my pension fund rollover has been in limbo since XXXX. It is no longer in my Cap one checking account ( since XXXX ) nor is it in the XXXX pension fund account that I am closing nor is it in the IRA rollover at XXXX XXXX. It should be in one of these accounts earning interest. The amount of time I have spent trying to resolve this problem is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc.
State: CA

Complaint narrative:
I refinanced my student loans with Lendkey. Or thought I did. Lendkey is supposed to disburse my loan directly to XXXX and claims they did so. XXXX has not received the payment. 

Despite not actually refinancing my loans, and despite that I am still making payments to XXXX and accruing interest with XXXX, Lendkey is also having me make payments to them and is charging me interest for loan that they never made!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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