vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I moved in the middle of XX/XX/XXXX and notified Bank of America ( I've had a Visa credit card for 30 years, originally issued by MBNA before it was acquired by Bank of America ) that I was moving and to update the new mailing address. I use the card monthly and do not run a balance. I had paid the XX/XX/XXXX to XX/XX/XXXX bill ( not due until XX/XX/XXXX ) a week ago. 

In mid XX/XX/XXXX I tried to use the card at two stores and it was declined. I called Bank of America today to find out if the card 's chip or the strip was bad. The first gentleman I spoke with ( in West Virginia ) was very professional and was as confused as me as to why the card was closed. He went through the payment history and could not determine why the card was closed. He then transferred me to another gentleman in Texas who was also unclear as to why the card would be closed and then he transferred me to another another person in the some other group within Bank of America. This group apparently has been around for about 5 years. They claim to have solicited me in one mailing in XXXX indicating they wanted some information they no longer had or they would cancel my card. They apparently solicited me again the week of XX/XX/XXXX by phone during working hours from a number I do not recognize and was possible spam. So instead of sending another notice when they should recognize that I am settled in my new home, the cancel the card without due notice. 30 years. Their own website indicates they will not solicit information. There is no indication of this pending cancellation on the most recent billing statement.

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 2022-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022 Capital One sent me an adverse action letter for the denial of my consumer credit transaction. I am aware that I am a consumer who cant be denied for an extension of my credit. Capital one is considered as a bank and federal regulations has made it clear banks borrow and not lend money. Any bank asking for a social security card in return for a loan, knowing theres no lawful money to lend is in violation with federal regulations. I am a consumer/creditor/natural person/executor/beneficiary who has been discriminated against and deprived of my rights to trade. Capital One has also furnished information about my employment status without my permission and violating my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: NJ

Complaint narrative:
I the consumer never gave written consent to the credit reporting agency to furnish any information about me they did not have permissible purpose to report this information, nor did they have the right to ignore and dismiss my request for deletion. 

I will be sending my invoice for ALL violating that has been made against me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and 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 2022-01-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
Hello, On XX/XX/XXXX, I executed a transaction with options to buy at XXXX XXXX IMPORTS, XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX with XXXX XXXX finance manager. The next day XX/XX/XXXX. I returned the car after realizing certain disclosures regarding the finance charge, recission, and other charges. Seeing that the finance charge is the total sum of all charges. I was mislead and lied to. The manager told me i was incorrect and insisted that I could not just leave the car the day before he had shown me his personal firearm so i did not persist. I instead took of the idea of sending a letter certified mail to AMERICAN HONDA FINANCE, XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX who had obtained my consumer report without my knowledge. Being that I secured the full amount already. XXXX XXXX XXXX also appeared on my file. For one year written communication occurred where I accepted their position but insisted that in was invalid and incorrect. I requested the documents they had showing which was ignored. on XX/XX/XXXX, a wrongful repo occured by XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX where the peace was distured and the agent was irate and was instructed my police to remain calm. A report was filed. A letter asking for the return of the car was sent. On XX/XX/XXXX, XXXX called me where he explained that I was wrong and hung up before I could get a word in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern, I am under distress being declined for a home for my family due to recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I did not approve it to reflect on my credit report. I believe I am a victim of identity theft. I have a security lock on my credit report and was not informed or alerted of this unauthorized items. 
I have reported the theft of my identity theft to Federal Trade Commission 's, please review the enclosed copies of the Federal Trade Commission 's identity theft Affidavit in regard to this incident ( ftc report # XXXX ). In addition I have attached pdf document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors. Please investigate these matters and remove/delete the disputed items as soon as possible. thank you XXXX  XXXX ACCT # 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 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
My account was closed by Chime XX/XX/2020 i have reached out to them several times about them sending my money after the account closed. The total amount in the account is {$4500.00} i was told 2 months ago that i would receive the money within a week. After that week passed i reached out to them again no response and Ive been getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 Capital One withdrew/ stole {$2000.00} from my checking account without my authorization. Under the Fair Credit Reporting Act, banks, in this case Capital One are not allowed to take funds out of my bank account for my credit card balance. The codes specific to this are XXXX ( a ). It is to prevents this ( $ {$15.00} USC 166 ( h ).

There is a federal law that states that credit cards can not be offset. Federal truth in lending regulations prohibit a bank who is a card issuer from appropriating deposit accounts to pay debt on a card that it issued.

( 1 ) A card issuer may not take any action, either before or after termination of credit card privileges, to offset a cardholders indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer.

Capital One Quicksilver Credit card is the company stealing bank funds without authorization. 
Ally Checking Account is where funds were taken from without authorization. 
The latest billing statement was for {$130.00} that was due on XXXX XXXX 2022. Something is definitely wrong when {$2000.00} is used as payment without my knowing. Capital One to my understanding is breaking a federal law that protects credit card holders. 
The problems stem from the higher levels where they allow and encourage these criminal activities to occur. This is probably not the first time Capital One has committed fraud and broke federal laws upon its customers and probably not the last

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I did not approve it to reflect on my credit report. I believe I am a victim of identity theft. I have a security lock on my credit report and was not informed or alerted of this unauthorized items. 
I have reported the theft of my identity theft to Federal Trade Commission 's, please review the enclosed copies of the Federal Trade Commission 's identity theft Affidavit in regard to this incident ( ftc report # XXXX ). In addition I have attached pdf document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors. Please investigate these matters and remove/delete the disputed items as soon as possible. thank you

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 2022-01-28 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: NY

Complaint narrative:
Good day, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I did not approve it to reflect on my credit report. I believe I am a victim of identity theft. I have a security lock on my credit report and was not informed or alerted of this unauthorized items. 
I have reported the theft of my identity theft to Federal Trade Commission 's, please review the enclosed copies of the Federal Trade Commission 's identity theft Affidavit in regard to this incident ( ftc report # ). In addition I have attached pdf document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors. Please investigate these matters and remove/delete the disputed items as soon as possible. thank you XXXX XXXXXXXX ACCT # 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 2022-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OR

Complaint narrative:
I was diagnosed with XXXX XXXX right before the Governor of Oregon State shut us completely down in 2020. After the removal of a XXXX XXXX XXXXXXXX and a XXXX XXXX I phoned all Creditors that I felt I didnt need and canceled their services as I was out of work from the shut down and facing huge Medical bills. I asked on several occasions to XXXX where to ship my equipment ( it is still in a box in my trunk ), they refused to give me an address and told me I only put off the servicefor a couple of months. They started back up without me knowing and not once sent me a bill. So, they said I owed for several months. How is that possible when they never even sent me a bill? I pay my bills. I have 100 % paid ON TIME in my Credit History. I feel this I a total scam. I do not owe them ANYTHING. I will gladly return the equipment tomorrow if given an address. Thank you for listening. You are more than welcome to check my Credit. 
Sincerely, XXXX 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 2022-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
The debt was paid and they promised to remove it from my report but its still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I had a fraud on my credit card account back in XX/XX/XXXX. Called them to report. They closed the card but ended up waiving only part of the amount ( I think some of the fraudulent charge was still pending at the time ). So I ended up having literally {$5.00} on the account. I called again to notify that there is still fraud amount on the account. They have reopened investigation, allegedly. That was all happening in XXXX XXXX. I closed the account since because I don't want to deal with them anymore. In early XX/XX/XXXX I called to check on the status of the investigation. My call was transferred to debt collection. I was very surprised about that and clarified that the amount is fraudulent and I should not be on the debt collection list. They gave me the fraud department number and the extension of the agent on my case ( XXXX ). Over the last 3 weeks I have tried calling at least 10 times, left several voicemails. There has still been no response. Had I known, I would just paid that {$5.00}. But now it is too late ... My credit history is being impacted ( the score dropped by XXXX points already ) and fees are accumulating. I have spoken with the bank 's customer service but they had no option for me other than continuing to call the fraud department. I ran out of options.

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 2022-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
On XX/XX/21 I received a collection letter from Midland Credit Management telling me that I owed {$1700.00} to creditor XXXX XXXX XXXX  XXXX. This is not true. I contest this allegation. 

Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint narrative:
I recently received a discover credit card and I've had nothing but problems with it. When I have to dispute a transaction, they XXXX everything up and give all the wrong information and say one thing for another. This is becoming a very frustrating experience and they should not be treating their customers with such disrespect. They have been incompetent and giving me the wrong information repeatedly. This is unacceptable as their calls are recorded. I have spent an inordinate amount of time on the phone trying to reach somebody in an effort to straighten out these disputes but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: FL

Complaint narrative:
On XX/XX/2021 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Account was only past due one time over 90 days. Not 40 times. Equifax is not reporting the account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account has been reported on my account for over 8 years for XXXX federal

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 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: NV

Complaint narrative:
My Discover card carried a credit limit of XXXX. I made a purchase and never received the items. I disputed the transaction and received a temporary credit. On XXXX the vendor resubmitted the charge to my account for XXXX. I never missed a payment, and payed XXXX on my account on XXXX. On XX/XX/2022 my account spending limit was reduced to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: NJ

Complaint narrative:
I the consumer NEVER gave transuinion writing consent to report theses accounts listed! every day a new violating is added and I will be sending over my invoice and filing a case in small claims court in regards to this matter! my attorney is on standby if we can not rectify this IMMEDITALY!

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 2022-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: OR

Complaint narrative:
I had a XXXX # XXXX issued by XXXX XXXX XXXX It was paid. I want the debt collector Firstsource Advantage , LLC, ( XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX ) to acknowledge this on my credit reports. Thank you. 

Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation