vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
chase changing for cash advance on XXXX purchases. charged 3X {$10.00} plus interest on small purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
Company refuses to close the account. I am NOT CALLING AND WAITING ON HOLD. My time is worth {$10000.00} an hour. CLOSE THE ACCOUNT NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I applied for a CAPITOL ONE credit card. I was issued a denial on XX/XX/2023. CAPITOL ONE stated they denied me based off of non-consented information on my consumer credit report. 

On XX/XX/2023 CAPITOL ONE was in receipt of MY notice not to deny me MY RIGHT to credit. I also informed CAPITOL ONEs CFO that my application was a transferable security and any use of my personal non public information such as my Social Security Number attached to my application, is unauthorized use if CAPITOL ONE denied me my rights. The CFO was also put on Notice that I may make application for such amounts of credit thus applied for and in exchange, CAPITOL ONE would be compensated by the Federal Reserve dollar for dollar in return for my collateral security via certified mail : XXXX On XX/XX/2023 CAPITOL ONE notified me by Mail that CAPITOL ONE will remain willfully noncompliant to my request & decided to continue in denying me my right to credit. This action tells me that CAPITOL ONE does not abide by The Equal Credit Opportunity Act which prohibits creditors from discriminating against credit applicants on the basis of protected categories. This means that creditors can not refuse to give me credit, discourage you from applying for credit, or give me less favorable terms on a credit account because I exercised any of my credit rights. I am to be given an equal access to credit, regardless of my protected characteristics, because I applied in good faith and to better my personal, family, & households situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
HomeDepot sent an email alleging there was a past due balance when, in fact, the account ( XXXX ) had a XXXX balance. 
Email received XX/XX/23 XXXX 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 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
It all started on XX/XX/XXXX when I received a text to my personal cell phone that looked like it was from USPS ( possible url had a lower " t '' in it instead of USPS, it was XXXX ) about a delivery failure and they needed me to click on a link to provide my e-mail address and pay {$0.00}. Which I did on my credit card. This text had a tracking number from USPS that I believe was my original tracking number from two weeks prior when there was a real delivery issue. I was then a victim of smishing. As soon as I provided my credit card number from Citibank and my address, I immediately cancelled my card. They issued me a new card which had not been delivered yet. On Wednesday morning XX/XX/XXXX, I received a text from Citibank fraud saying you need to call us due to a possible fraudulent transaction. I called the number from my text and they told me that there was a transaction in the amount of {$390.00} to a XXXX XXXX in California and that Citibank had blocked it to protect me. I may or may not have confirmed the new card member that's in the mail which is the number that was apparently used for the {$390.00} transaction. I canceled that card too and now there's a third one on the way. My issue is I believe the original Citibank fraud phone number that was texted me for me to call which is XXXX IS A FRAUDULENT and fake Citi fraudulent department #. I then contacted Citibank PH # on the back of my credit card and they confirmed that they do not have a phone number as XXXX and they have no record of that number calling me or me calling it. They do have record of me calling the actual number as well in the last two days. So I am reporting fraudulent activity from someone pretending to be from the USPS, and then providing a fake Citibank fraud number to get my second credit card number. Apparently, this is a known smishing fraudulent activity that USPS is aware of. I have since made drastic measures to protect my info, including using an encrypted password manager. I even called USPS to make a fraud claim and asked about how a person could change my mailing address and they said as of XX/XX/XXXX, it is required for people to come to a post office in person to provide 2 forms of ID before any address change can be made. Not knowing if I called a fake USPS, I went into a local USPS station and it was confirmed by a supervisor, that address changes policy changed in XX/XX/XXXXXXXX  as the person on the phon had told me.

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 2023-06-30 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
I have a dormant account with Prosperity Bank. I have just logged in to finally close the account since it is not being used and discovered the bank has been charging me a {$15.00} returned mail fee every month for the duration of my statement. 

I noted that my profile was changed on XX/XX/2022 to update to the correct mailing address and have verified that the mailing address on my profile is my current, valid mailing address. So the fees are being charged fraudulently and any returned mail is not due to an error in my mailing address or due to any fault of mine. The fees total to over {$200.00} they have cost me due to processing errors on their end. 

I have called three times to address this issue. The first time the representative dropped the call. The second time, I was put on an endless hold. The third, I was informed there was a " hold mail '' status placed on my account without my knowledge or authorization. Furthermore, if there is a hold mail status then there clearly was not any returned mail so again, the fees are incorrectly applied and unlawful. 

I have attached a copy of my statement showing the numerous charges, a copy of my account notification showing I properly updated my profile to the correct mailing address on XX/XX/2022, and a screenshot of my mailing address in the system which is the correct valid mailing address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Volvo Car Financial Services U.S., LLC
State: FL

Complaint narrative:
I am writing about a situation that occurred when two leased cars from XXXX XXXX in XXXX XXXX Florida XX/XX/XXXX. The leasing company is Volvo Financial XXXX XXXX XXXX XXXX, AL XXXX. This was in the middle of the pandemic and things were locked down and the dealer agreed to deliver two new XXXX cars to me and at the same time pickup the two XXXX models that were due to be returned on the lease. My XXXX cars were paid monthly via autopay draft from my bank account. After getting the XXXX cars I later found out that one payment in the amount of {$340.00} was auto drafted from my bank account by Volvo Financial in error. I contacted them soon after and they advised me that the ( one car ) was returned on XX/XX/XXXX according to their paperwork and not XXXX which is when the dealer XXXX XXXX in XXXX XXXX FL picked up the car. I did email the dealer/salesman at the dealership and never heard back. As my current leases became due I was called by Volvo to see if I would continue to do business with them. I advised them of this issue. They told me ( XXXX ) on XX/XX/XXXX at XXXX EST that they would do nothing about this. I asked them why could they not confirm this with the dealer and they acted as if there was no relationship there between the two parties. I advised the dealer and the GM doesnt want to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: TX

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : 15306 Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT NATIONAL CXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Since I discovered my credit report on XXXX which I recently had access via email I discovered numerous incorrect personal information that needs to come off and needs to be investigated and I was recently locked out of my account, today XX/XX/23 I waited on hold for over XXXX minutes just to be hung up on repeatedly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
Every day calling in the afternoon about medical bill. I pay monthly payments to all medical facilities I owe to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was going over my credit report when I noticed a item that was not autorized and I would like it to be removed. 
XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XXXX XX/XX/XXXX, I contacted Capital One in regard to an error message that I received when trying to open a checking account. I contacted the Company and spoke with a XXXX representative. She wanted to verify my identity. In doing so, she asked did I open a checking. I told her no. She continued to ask me that and I finally stated, " Ma'am, if you see a checking account in my name then it's fraud ''. " I only have a credit card with Capital one ''. She put me on hold for a long time then came back and said everything was " fixed '' try again in XXXX XXXX. I asked questions and she just said I can't give you any information. On XXXX XXXX, I tried to login, this time the last 4 of someone else 's SSN popped up. So, I called, this time a XXXX representative repeatedly told me I can't give you any information. I explained it's fraud and I wanted to know more about the account that showed my name, address, email and phone number. He also stated, no account was open in your name, that's all I can tell you. Well since then I haven't been able to login my account. Today I called and spoke with a male representative on the credit card side, due to not being able to login my account. He tried many avenues to assist me in gaining access to no avail. He spoke with the banking side, and they told him it was fraud, and someone had in fact opened an account in my name, but it was " fixed '' however, I still can't login my account. He submitted a request for more information as to why. He transferred me to a " Manager '', the XXXX representative got on the phone and immediately said, " there an attempt for someone to open an account ''. When I asked for the information, such as when did this happen, he then stated, " I can't give you that information ''. I said if it was an attempt then why wasn't I contacted and how is it that their SSN shows up and not mine. As well as I still can't login my account due to this fraudulent SSN. My SSN has a fraud alert on due to my identity being stolen in XXXX. I informed him that no one asked me to verify myself as the legal owner. He told me that I had to fax to them a statement requesting information about the account, as well as documents verifying that I am who I am. I informed him that once the fraud was discovered I should have been notified in writing from them and that did not happen. This is very bad business practice for any banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: CA

Complaint narrative:
I am victim of an identity theft, I don't know who but someone stole my information and opened a fraudulent account under my name, first of all I don't have any credit, I don't know how this account was opened under my name, I don't know how the payments were made but didn't come from the account that belongs to me. I need this fraudulent account to be removed from my 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 non-monetary relief
Consumer complaint received 2023-06-30 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: CA

Complaint narrative:
I am victim of an identity theft, I don't know who but someone stole my information and opened a fraudulent account under my name, first of all I don't have any credit, I don't know how this account was opened under my name, I don't know how the payments were made but didn't come from the account that belongs to me. I need this fraudulent account to be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I received my credit report on XXXXXXXX  and noticed it was hard inquiries that do not have permissible purposes to be on there these hard inquiries are hurting me from getting approved I already reached out to the credit bureau about this multiple times and they keep violating my rights 15 usc 1681 B

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 2023-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Commenity Bank has called me six times today. Four of the calls were within XXXX XXXX of each other. I have asked them not to call me more than once per day, and that I work from XXXX XXXX XXXX XXXX XXXX. They call during my work day constantly. I am trying to catch up on my payments, and can not send them any faster than I get paid, and I have told them that, but they keep calling. They also try to force me to set up autopay or a post-dated payment, which I don't want to do because I'm afraid if something goes wrong they will bounce and I will get hit with bank fees on top of the late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
THERE ARE 2 FRAUDULENT ACCOUNTS UNDER MY NAME, I DIDN'T AUTHORIZE THESE ACCOUNTS TO BE OPENED, I DIDN'T APPY FOR THEM. I HAVE TRIED TO CONTACT THE CREDITORS, THE BREAUS BUT I CAN'T SEEM TO GET THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. BOTH OF THE ACCOUNTS WERE OPENED BACK IN 2021, WHEN I WAS IN THE HOSPITAL. THE CHARGES ARE THESE ACCOUNTS ARE NOT MINE, THESE ACCOUNTS ARE NOT MINE, I DON'T KNOW WHO ELSE TO GO TO TO GET THESE ACCOUNTS REMOVED ONCE AND FOR ALL.

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 2023-06-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THERE ARE XXXX FRAUDULENT ACCOUNTS UNDER MY NAME, I DIDN'T AUTHORIZE THESE ACCOUNTS TO BE OPENED, I DIDN'T APPY FOR THEM. I HAVE TRIED TO CONTACT THE CREDITORS, THE BREAUS BUT I CAN'T SEEM TO GET THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. BOTH OF THE ACCOUNTS WERE OPENED BACK IN 2021, WHEN I WAS IN THE HOSPITAL. THE CHARGES ARE THESE ACCOUNTS ARE NOT MINE, THESE ACCOUNTS ARE NOT MINE, I DON'T KNOW WHO ELSE TO GO TO TO GET THESE ACCOUNTS REMOVED ONCE AND FOR ALL.

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