vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My credit card was turned off immediately after I called Capital One to ask for help to dispute charges and simultaneously updated address also. This caused the great inconvenience, as they suspected I was a scammer, and after calling card company I was told my card was turned off because another card was sent out to me since the card I was using was about to expire. I called in to Capital One over a period of 3 days and spoke with eight different people and there was no tangible compensation they could do to me for the inconvenience of immediately shutting off my card and asking me to wait 7 business days for a card to be mailed out to me. 
There needs to be a better system in place that even if fraud is suspected that it can be verified by the card owner. The card that was mailed the new card that was mailed to me was even returned since I was no longer at that address. I was even told by one person I spoke to that maybe I could get {$100.00} credit. And then another person told me that there's no credit at all they can give. I spoke with a XXXX, XXXX and XXXX. I was given the run around, transferred without resolution. First call was placed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/22, I received a text message asking if I had authorized a XXXX  transfer of {$3500.00}. I answered NO. I then received a call from the Bank of America customer service line alerting me that there was fraud suspected on my account and in order to cancel out this transaction I would have to XXXX {$3500.00} to my own phone number. I did this ( where it worked on/off ) until XX/XX/22 for a total of {$14000.00}. I then called Bank of America on my own and they told me that this is a scam they have often seen and that I have been sending money to scammers the whole time. Im not sure I will get the funds back because the funds were technically authorized by 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 monetary relief
Consumer complaint received 2022-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
My personal information is being used by someone else, lost all my legal documentation and I'm paying the consequences of purchases I never made on my credit and didn't find out till I tried to finance a car. Car was stolen a few months after that loan was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Everytime I try to apply for credit cards it gives me problems. I have identity theft under my name so I don't understand why it hasn't been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I was told by my Bank Lender to ask for a letter stating that the debt payment had been DELETED. 
I was told the letter would state that the debt would be deleted. The letter simply stated that the debt had been paid in full. Once the funds clear, your account will be considered closed. 
But, nothing stating deletion. When I called the Rep said they would not do a deletion. 
Once the deletion is stated in writing my credit status would return to where it previously was. 
Thank you, 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 2022-05-30 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: NC

Complaint narrative:
There are multiple inquiries on my account that I did not authorize. I should only have XXXX from XXXX as that is the only account I have.

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 2022-05-30 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent. 

XXXX saw this error and deleted the accounts in XX/XX/2020!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: KLS Financial Services, Inc
State: NC

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There are multiple inquiries on my account that I did not authorize. I should only have XXXX from XXXX as that is the only account I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are multiple inquiries on my account that I did not authorize. I should only have 1 from XXXX as that is the only account I have.

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 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian requires one to establish an account to access the legally mandated free credit reports previously accessible through the web without an account. I am now getting multiple marketing emails per day to upsell their services - " dark web scans, credit alerts, financial profile, etc. etc. '' There is NO way to opt out of these blatant marketing emails- in the emails Experian says that I will continue to receive emails " like this one about the status of my account. '' These are not account status emails. My account has not changed, I am not interested in the upselling, this is an obvious attempt to get around opt out policies, and people with less awareness about what is happening are going to fall prey to this company 's tactics. Please request that they fix this... 

Here is the quote from the emails : " You can update some alerts and communications preferences any time on your Experian CreditWorks Basic profile, but youll continue to receive notifications like this one on the status of your account. '' And here is the subject of the same email : '' xxx, your Dark Web scan is available ''

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 2022-05-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
According to this invoice I was charge twice for the month of XXXX and a reletting fee. The amount owed is incorrect/fraudulent and would like National Credit Systems , I to remove this collection from all three credit bureaus XXXX, XXXX, and XXXX XXXX XXXX 

The amount and dates Im referring to is XX/XX/2019 for {$890.00} and XX/XX/2019 for {$890.00} plus the reletting fee {$760.00} on XX/XX/2019, also showing a balance of {$940.00} XX/XX/2019. 

Under state rental law a leasing property can not charge rent twice in one month and a reletting fee. 

Furthermore, the amount of {$35.00} were added for XXXX XXXX, and {$25.00} for XXXX XXXX which should have not been billed because the reletting fee of {$760.00}. 

Reletting Expenses means all costs and expenses incurred by Landlord in connection with the reletting of the Premises following a default by Tenant, including, without limitation, the expenses of obtaining possession of the Premises, the costs of cleaning, renovation, and repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # 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 2022-05-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a credit card with XXXX  for XXXX  credit, I been 24 months making my payments even with the pandemic that sometimes was very hard to pay, I was making my payments on time. in the last month, I call the company I make a XXXX dollar payment leaving XXXX more in balance I request an extension to make the final payment before the interest deferred expire, the costumer services answer me the phone told me if I can't make the whole payment the credit card will charge an interest for the balance remaining, unfortunately, I loose my job after 9 years working in the company, am an XXXX  right now also I request the mortgage company to help me with the payments in this hard situation, I trie to spoke to the manager from XXXX credit card, I explain the situation and I let them now that one of their agent give me a wrong information about the interest fee. they don't care and they don't show any consideration and charge me more than {$2500.00} interest fee in my account. I need help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus PandemiXXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: Credit Plus Inc
State: NC

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I have received nearly every single day one to three calls from XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, and about a dozen other numbers all show up with the Caller ID Credence. Which is a XXXX, IL based debt collector. I do not owe them a XXXX. They harass me daily and I know its a scam. I do not owe any money to anyone in XXXX, Illinois. This is harassment plain and simple.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
After receiving my Chex system report I noticed negative information reporting on my report from the account of XXXX XXXX XXXX XXXX. Ive written Chex system multiple letters letting them know that I do not recall having an entry of any sort stating that I owed an account called XXXX XXXX XXXX XXXX any amount when ordering my report. Chex System failed to write me back after sending multiple letters trying to fix this problem on my report. I am requesting them to provide me with any information that they have recording with proof of my signature AGAIN. I would also like the documents of the names of employees that they spoke with when verifying that these documents were so called accurate With the absence of this information, you can not furnish this information, I ask that this information be removed from my social security number ( XXXX ) immediately. Please send details to XXXX XXXX XXXX XXXX XXXX Texas 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 2022-05-30 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: NY

Complaint narrative:
I have written all 3 credit bureaus asking for removal of collections item -- from XXXX XXXX, which sold my fraud account to XXXX XXXX XXXX. I have a letter from XXXX confirming the fraud account, but it was sold to XXXX XXXX. So both companies point fingers to each other. 

I was a victim of fraud. I would like this item removed from all XXXX credit bureaus per the law. I have sent 2 letters now and 7 calls. Still no compliance. 

Please help! 
Thank you 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 non-monetary relief
Consumer complaint received 2022-05-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX [ now XXXX BANK ] has been putting false late payment information [ XXXX and XX/XX/XXXX ] on my car loan listed on my credit report AFTER the car loan had been paid off in XX/XX/XXXX. I have repeatedly given XXXX the information that XXXX INSURANCE paid off the car loan to XXXX in XX/XX/XXXX but XXXX has refused to investigate or correct their information. I have even forwarded XXXX XXXX 's email with the particulars of the check ( check cleared XXXX XXXX bank on XX/XX/XXXX ) used to pay off car loan. However, XXXX is NOT correcting the errors on my credit reports. The credit bureaus are still showing incorrect late payment information from XXXX on my credit reports even though I have given them the correct information through the dispute centers. 

This is a violation of section 1681s-2 ( b ) of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. ( the FCRA ) by failing to investigate and correct disputed information relating to customers loan in reports to the credit bureaus. 

[ 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ] Since the loan was paid off XX/XX/XXXX and XXXX accepted payment by cashing the check [ cleared in XX/XX/XXXX ], XXXX is in clear violation of the above Code. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the late payments [ XXXX and XX/XX/XXXX ] are still showing up AFTER the car loan was paid off [ XX/XX/XXXX ] by XXXX XXXX, the date of last active is inaccurately listed as XX/XX/XXXX [ should be XX/XX/XXXX ], my credit reports are showing one 30 day late and one 60 days late [ should be zero lates across the board ], payment status shows 60-89 dates late [ should be NO lates ], worst payment status shows 60-89 days late [ should be NO lates ] and XXXX showed the account was closed in XX/XX/XXXX [ should be XX/XX/XXXX ]. I submitted the email from XXXX XXXX through the dispute centers so the credit bureaus had verification that the insurance company had paid the car loan off in XX/XX/XXXX [ letter from XXXX XXXX plus they sent me a copy of front & back of check showing check cleared on XX/XX/XXXX. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation