vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: UT

Complaint narrative:
I submitted a complaint and the response the CFPB closed the case on was a blatant lie. They stated that they do not have an option to choose savings or checking and I have screenshots proving there lie. I am still requesting reimbursement for the fees my external bank charge as US bank made unauthorized withdraw from my checking causing {$50.00} in fees. My Credit union has one account number used for both checking or savings and teh radio button on US bank side is supposed to direct it to the correct account. If the radio button is not working that is US bank issue. I have called and US bank did confirm this is a known issue causing customer harm Here is the original CFP details : Original Complaint # : XXXX Specific US Bank Lie : `` The payment you made via web/mobile banking on XX/XX/XXXX, was returned as non-sufficient funds, and reversed off the account. When customers add an external account for payment, there is no option to specify if the account is savings or checking. Since no errors were found in the payment application, we recommend you work with your other financial institution regarding this issue. '' Proof of LIE ( Screen shots ) attached below Please note : I re-made the payment using the same saving setup and they pulled it from checking 's again. 

ORIGINAL COMLAINT : I made my payment using my external Saving account. They withdrew from my checking causing me a late fee with US bank {$30.00}. I was also charge {$50.00} from my external bank America First CU. I have a screen shot of my external account being set up with Saving selected. Please note, this Savings account is used for a different mortgage and gets withdrawn from saving flawlessly as well. US bank has blatantly disregarded the issue they cause and placed me on mute until disconnecting the call when I asked for a higher manager. I was placed on mute and hung up on 2-3 minutes later. Although I have not been reported to the Credit as delinquent, I want my internal US Bank delinquent status removed with US BANK. I feel this is being done intentionally to de-fraud customer and gain late fees on unsuspecting customers. Although it was waived it took a fight to get it waived and they still own me what my other bank charged me {$50.00}.

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 2023-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Debt collection agency contacted XXXX XXXX  and obtained an itemized bill which is against XXXX, they also could not provide a copy of my signature giving permission to release my information to third parties or any piece of evidence that tied me to the debt other than my name after sending them certified mail requesting breakdown of fees as well as signature. I will be sending another letter as well as proceeding with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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:
I have tried several attempts to get the credit bureau to allow me my right by law to opt out and they have denied me several times. My first attempt took place on XX/XX/2022. Since then I have made XXXX additional attempts in writing and by phone. They have also denied me my right by law to have all inquiries removed from my credit report that were not made with my knowledge of what was happening. Many companies use unfair and illegal tactics to have access to my credit as I explained to this credit bureau and they did not respond. I plan to send XXXX last letter in an attempt to correct this issue in conjunction with this letter. 

I want to be clear that 15UFC6802 states that 15USC8802 states that it is illegal for the credit bureaus to not allow me to opt out of any information reporting to my credit report. They keep denying me that right. 

Debts and charge offs are certificates of indebtness by law and are forms of income. Income is not supposed to be reported on credit reports. 

It is unlawful to report transaction history. 

15CFR313 16CFR433.2 16CFR433.3 I have become homeless and not able to obtain a new home for me and my children as a result of credit bureaus breaking laws and being unethical. I also had lots of trouble obtaining basic transportation for me and my children due to the credit bureaus misrepresenting me on countless occasions to the banks, real estate companies, home financing, vehicle financing, business credit PG, and more. I have been humiliated, depressed, and no place to turn to. 

This misreporting has ruined my life. I made attempts to fix it in the past as well, but I am only reporting my most recent attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : has violated my rights. 15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-01-12 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: SC

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.

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 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: SC

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I purchased a new car at XXXX XXXX in XXXX California on XX/XX/2022. Everything was fantastic with the dealer themselves but for some reason there was an issue with the small remaining balance that I wanted to finance. I did not know at that time that Hyundai Finance rejected my application because it was eventually financed through another company. We recieved XXXX 's rejection letter today. I thought it was a joke. My wife and I have credit scores over XXXX. In looking at the explainations it looks like they used any fabricated reason not to extend credit to us. I do not know if this cost us by paying a higher interest rate or not. It seems that this company is very arbitrary in the way they extend credit and should be investigated.

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 2023-01-12 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: CL Holdings LLC
State: OH

Complaint narrative:
This company is reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I have borrowed several times from onemain financial. The meeting went the same way it always had. This time I went to borrow XXXX to consolidate some credit cards that was fully maxed out. I knew I couldn't get much, I had 1 full time job for XXXX, and another that paid me XXXX and I was only used for on call. XXXX did some figuring and said I could borrow up to XXXXXXXX XXXX that was a tempting number. he said he could make so I wouldn't have a high payment, so I asked for an extra XXXX so all together I took XXXX at XXXX a month I added insurance protection so the final number was XXXX XXXX Unfortunately I had lost my job. after a couple days I called One main and explained to her, and I wanted to know how my insurance would help me with my loan until I was able to find another job. she asked me still had 2 jobs what's the problem, The problem is i was accepted for XXXXXXXX XXXX because he wrote that I HAD 3 FULL TIME JOBS ITS AN XXXX XXXX. I lost my job on XX/XX/2022, my bill was due on the XXXX XXXX XXXX XXXX doesn't work there any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: NV

Complaint narrative:
In XX/XX/2022, when I accessed my Capital One app to make a payment. I use the app to make payments, view account, etc. I noticed a new section under my " Statements & Documents '' titled " Upcoming Bills '', clicked on this section & it reflects " Bills & Subscriptions ''. It reflected : " Next XXXX XXXX XXXXXXXX {$2.00}, XXXX XXXX XXXXXX/XX/XXXX, Dates and amounts are estimated based on previous charges. You may want to check your statement, just in case any charges didn't appear in our search. '' This was alarming since I've not set up any bills or subscriptions on this card. I tried to find ( in the app ) when this was setup & by whom but was not able to. I was also not able to delete or change it. I monitored the card through XXXX. Then in XXXX, I did a search for this amount & vendor throughout all charges on the card & nothing came up. 
I contacted Capital One customer service on XXXX XXXX spoke to XXXX different reps who couldn't understand my complaint, provided little assistance & inaccurate information. 
I called back on XX/XX/XXXX & spoke to a representative in the XXXX, apparently my initial call was handled by a call center in the XXXX as per the rep I spoke to this XXXX. I was on the phone with a representative by the name of XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. This is what transpired : XXXX XXXX I never set up this transaction. XXXX researched & informed me : This is a default on their " app '' which happens when there are " recurring '' charges to a vendor/merchant regardless of the amounts charged. I argued Capital One has no right to set up this " Upcoming Bills '' without my consent & not notifying me. This popping up on my account had me thinking it was XXXX who did this. Additionally, I was provided inaccurate information during my initial call to investigate the matter by XXXX of their customer service reps : XXXX reg customer svc rep ; XXXX in their XXXX XXXX XXXX XXXXXXXX in their dispute chrgs dept Lastly, XXXX stated it was " just '' a default issue on their app which has not been paid, at all, to XXXX. Further, it's through their app that this happens whenever there's a " recurring '' charge to a merchant/vendor. Informed XXXX the dispute chrgs rep informed me otherwise & that I will be filing a formal complaint to appropriate government agency about this practice. XXXX stated during his research he was told it was a default through the Capital One app. I told him app or not, Capital One has no right to do this on my account without notifying me before or even after. The explanation is not acceptable & deem this action as unethical. I plan to discontinue use of this card & close it altogether. I feel consumers need to be informed of this act by Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX XXXX I sent validation requests to several collections regarding medical debt that had been placed on my credit report. 
These are Expired, well over XXXX XXXX XXXX. 

I did not receive any response, so I submitted online request with Equifax to validate these items. I did not receive a response. 

It is my understanding that per FCRA they are to respond within 30 days, it has now been over 60 days. 

Plus, with the new medical laws, starting XX/XX/2023 the XXXX XXXX that are under {$500.00} were to be removed. 

Ive attached a copy of the XXXX items that need to be removed from my credit report. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card balance is not getting regularly updated with Equifax, XXXX, or XXXX even though XXXX XXXX XXXX XXXX is submitting the information monthly. It is XX/XX/XXXX, but my account balance on my credit reports show that they have not been updated since XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I attempted to make a purchase of {$1900.00} on XX/XX/22 at about XXXX for an airplane ticket for my husband. I immediately received a text message from the credit card company asking me if I had attempted to make the purchase. I said yes by texting # 1 but the credit card company declined the purchase. I called the credit card company, they informed me I was free to use my credit card now, since they wanted to make sure I was the one using the credit card, and not someone else. So then I found a better offer and bought a different airplane ticket. My husband flew out on XX/XX/22 to XXXX with the different airplane ticket I purchased and I was surprised to receive a bill for the amount of {$1900.00} that the credit card had declined. 

I called the credit card immediately to tell them that I was wrongly charged and they initiated a dispute with XXXX, the company I had attempted to buy the {$1900.00} airplane ticket. The credit card company made it a dispute between kiwi.com and I, but I made it clear from the beginning that this is an error from the credit card company. The credit card company declined the purchase and after I understood it was declined, the credit card company authorized the purchase without my authorization, of something that I no longer needed and that was never used by my husband or I.

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 2023-01-12 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: CBC Companies, Inc.
State: GA

Complaint narrative:
XXXX Factual Data - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

XXXX XXXX  XXXX - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 


XXXX Factual Data - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
This company repeatedly calls me XXXX or more times a XXXX XXXX XXXX ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
If proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. 

Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt XXXX ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( XXXX ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( XXXX ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity -- ( B ) in which such consumer resides at the commencement of the action.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney.

FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Dear CFPB, I am a Bank of America customer for about 10 years. 

XX/XX/2022 : I have received an email from XXXX stating that they have increased my credit limit ( I have not requested for this increase ). 

XX/XX/2022 : I did a chat with Bank of America representative to check about this. They provided me a case # XXXX and requested me to call XXXX to get more details about it. 

XX/XX/2022 : I reached out to their customer service number, they advised me to wait for a couple of weeks to see my increased limit on my end. 

I have never seen increased limit on my side. I went to my local branch on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Now they try to say that that they don't see that email at their end, though they were able to confirm that XXXX is their authorized sender, but for some reason they are not seeing that email on their end. I am ready to forward that email to them, but they say they do not have any email id where I can forward the email. I feel there is a privacy concern on my account where I got an email from Bank of America and they are not seeing the same communication. I have created couple of complaints regarding this, but there is no satisfactory response from the bank. Complaint Numbers # XXXX, XXXX. 

Thanks and Regards 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 2023-01-12 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: KY

Complaint narrative:
I purchased a XXXX XXXX for my car from an XXXX vendor on XXXX XXXX XXXX XXXX XXXX number XXXX, XXXX vendor XXXX located in XXXX, XXXX Vendor has been very cooperative, nice people. 

Wrong part was supplied. 

I returned the part, the vendor received. I have XXXX documentation proof. 

The vendor refunded to XXXX. XXXX refuses to return my money. 

I expected Discover card ( card used ) to stand up for me as XXXX would and has done several times. 

After months of back and forth, Discover refuses to refund my money. That is a lot of money for my wife and I ... all we have is social security We're out XXXX. Don't have product or money. I've done everything I can think of other than this complaint.

Company response to consumer: Closed with explanation