vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I'd like the CFPBs to be aware of unfair and deceptive practices of Capital One. Since my XXXX XXXX XXXX accounts were moved to Capital One 360 Savings accounts when it acquired that XXXX XXXX, I have held multiple " high-interest '' savings accounts with Capital One. Capital One reduced interest rates on those accounts as federal rates declined. In XXXX Capinal One created a new variable rate savings account product with a similar name, Capital One 360 Performance Savings Account, and no longer offered Capital One 360 Savings Accounts to new customers. Capital One 360 Performance Savings Accounts were the only variable savings accounts advertised by Capital One starting in XXXX. As interest rates rose over the past few years, the interest rates on Capital One 360 Savings Accounts were not adjusted, but those of the Capital One 360 Performance Savings Account were. Existing account holders of the Capitol One 360 Savings accounts were not notified that their accounts were no longer being adjusted, but were fixed at the low rate of 0.3 % when the Capital One 360 Performance Savings account was paying as much as 4.3 % interest. I assert that this was intentionally deceptive, given that customers were intentionally made to believe that their Capital One 360 Savings account interest rates would adjust as federal rates changed, and that this savings account was " high-interest ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CO

Complaint narrative:
XX/XX/2024 : Contacted Kroger CardHolder Services because the prepaid Visa card that I purchased ( issued by US Bank National Association ) did not have a legible CVV security code. This made it impossible to use the card for purchase online. Similarly, the card does not scan, so it can not be used in stores, either. The customer service representative explained that I must submit a refund through the online portal ( XXXX XXXX XXXX ), however, this was not possible as I did not have a legible CVV on the card. Instead, I was instructed to fax information to Kroger CardHolder Services, which I did later this same day. 

XX/XX/2024 : Contacted Kroger CardHolder Services to see if the faxed information had been received. It had not been received. I opted to send the fax over again on this day. 

XX/XX/2024 : Contacted Kroger CardHolder Services to see if the faxed information had been received. This time, it had been received, however, the Kroger CardHolder Services ( on behalf of US Bank National Association ) representative instructed me that one of the items on the fax was not legible. I sent a copy of the information to myself when I faxed it, and verified that everything was clearly legible. At this time, I was told to send another fax with custom settings ( I was specifically instructed to " enlighten '' the image 200 % ). 

At this point, I felt compelled to submit a complaint with the CFPB, as Kroger CardHolder Services does not seem to be making a good faith effort on behalf of US Bank National Association to refund the product which : 1. Did not have a CVV and could not be used online 2. Did not scan, and could not be used in stores 3. Could not be refunded through the web portal due to lack of CVV 4. Could not be refunded through faxed information due to customized image settings At this point, I don't expect I'll receive a refund or get an opportunity to spend the money that is still credited to this useless card.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: GA

Complaint narrative:
Notice of Intent to Sue Under FCRA Violations and Privacy Act and Truth and lending Act Violations for Willful Negligence. ( XXXX XXXX XXXX CarMax Auto Finance ) Stated My Claim had no Merit Who is she to say what has merit in a legal claim her Document is untrue and misleading. ( XXXX XXXX XXXX CarMax Auto Finance ) Has to provide Necessary Disclosures of how they share my Private Non public Information and Give me Reasonable time to opt out of them Sharing Information to Non Affiliated third parties In which ( XXXX XXXX XXXX CarMax Auto Finance ) furnished information to the Consumer reporting agencies ( XXXX, XXXX XXXX and XXXX ) Im demanding this trade line be Delete from my credit file immediately. Its order ( XXXX XXXX XXXX CarMax Auto Finance ) Shall make the Necessary Changes within 10 Calendar Days. Also update the Consumer reporting agencies of this legal Dispute. I am expressing all my Consumer Rights and Opting out <CarMax> Failed to give full disclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FC HoldCo LLC
State: KS

Complaint narrative:
On XX/XX/XXXX I had contacted Flagship Credit to inquire why my payments have not been reported to the 3 credit agencies since the start of the loan XX/XX/XXXX and was told that it would be looked into. I followed up on XX/XX/XXXX to receive an update and was told the same. As of date, the following payments has not been reported to the credit reporting agencies : XX/XX/XXXX {$520.00}, XX/XX/XXXX {$490.00}, XX/XX/XXXX {$530.00}, XX/XX/XXXX {$530.00}, XX/XX/XXXX {$430.00}, XX/XX/XXXX {$500.00}

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 explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Foris DAX, Inc.
State: CT

Complaint narrative:
Hi, I have tried to contact the Crypto.com XXXX support in order to close my card with them starting on XX/XX/XXXX, but have been ignored after a lot of attempts to contact them. I sent a support message on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on the app and via email with no response. I tried calling their support number and it just continues to ring with no answer until I'm disconnected. I don't know what else to do in order to cancel this credit card. There is no balance on the account. 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I opened a complaint through cfpb against Transition because they were violating me by furnishing incorrect information on my credit report. I asked called in numerous of times asking them to delete the incorrect names, and account they are reporting and they refused I got a letter in the mail from them stating the accounts were verified. I called in to ask for revalidation and was denied. I then asked Transition representative how was the debt validated? what steps were taken and can proof be mailed to me of validation on the their part or the companies part who's giving this wrong information and I got no answer. I need to see the validation documents in which Transunion allege deems to be correct as they are still reporting these active accounts onto my credit. I am being physically drained, mentally stressed and financially impacted by these negative items on my report. I am asking that transunion mail me copies of the validation they got from the company XXXX XXXX XXXX XXXX. If proof can not be furnished these accounts need to be deleted from my report. I am also asking for info on arbitration with transunion.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
It Is very hard to pay anything when you are laid off ( which i contacted XXXX because Eaton is very unreasonable ) I called Eaton to make arrangements after I found employment but was not contacted back at all! Its really sad how the physical does people. When i became back employed my mother fell ill so i barely was working and i had to take over her bills and my own. Unfortunately, my mothers condition isnt getting any better and have been told i need to make funeral arrangements in the near future. Life is happening and people are going through a lot in life. I wish there were more human beings that actually care about people instead of money. I would sign promissory note in order to stop the garnishment and will make payments until i can give a lump sum to complete payment. At this point i will have to try to come up with money for my mothers finally business. Its very sad tho that i have to even ask for grace at this hard time in my life my kids and my mom is all i have and now i may become homeless as well as not be able to put my mother away properly. I also have a situation where i am in the process of suing a bad mechanic on top of all this! All i want was to try and establish another settlement because how can u expect someone to pay a settlement if they lost their job and then i contacted them and they never called or answered the calls. They have been ignoring me and that is the reason i have had to go through the company that sold them the debt XXXX XXXX but now XXXX XXXX have anything to do with this anymore and Eaton Group had yet to contact me or anything even after i called left messages and all! This company has done this to so many people and its sad! Im struggling financial mentally spiritually and physically! Its sad how this company doesnt care! And also unfair how this company sued sure the pandemic. I had a XXXX  XXXX  then and of course they didnt care about that either. Some one has stolen my credit card info several times, the bad mechanic has all my money that i was suppose to use to pay the debt i got laid off got a new job and now they are garnishing with no word no letter in the mail or any other communication

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
2nd closed computer generated response that is total nonsense. Clearly this morally bankrupt company is still stalling

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/scrub>XXXX XXXXPlease investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
They said they turned the money into the government because I delayed using them. The cards say good thru XX/XX/XXXX and XX/XX/XXXX. The back of the card says funds do not expire. I called American Express and all they said was sorry. The money is gone and cant give me proof funds were given to the government.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
TD bank provided incomplete and improper information in their android application which lead to to my account being put in default ( over a {$3.00} charge ) due to the fact that the application listed no balance on the account. 

What was not apparent ( and in no way visible using their android application, which is the primary way I interacted with TD Bank ) was that they were calculating interest AFTER the amount shown as the total amount due, but NEVER UPDATING the amount due on the app. 

So, the user would see a XXXX balance, even though they were calculating a small amount of interest ( $ XXXX {$3.00} ) and applying it to the account. 

How can you possibly pay an amount when you don't know what the amount is, and the amount due is shown as XXXX? 

This ( in my opinion borderline fraudulent ) practice, led my personal credit score to decrease by about XXXX points. 

Over {$2.00}!!! 

The bank was completely unapologetic regarding their application ( in fact their representative said during a presumably recorded phone call that the app does not provide the full information regarding the account status ) failure to provide complete information. 

I have since closed my accounts with TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I applied for a Chase Sapphire Preferred card and was informed of my rejection by paper letter about a week later ( XX/XX/2024 ). The letter stated that my application was declined because I already had a Chase Sapphire card active, which is categorically false. I checked my credit report through my XXXX XXXX card to see if there were any strange accounts listed but found none. I called Chase customer service on XX/XX/XXXX and was reiterated that I had a card already registered to my social security number ( SSN ) which I confirmed with them several times, and repeatedly informed them that I did not have a card with them. They confirmed that the name they had in record linked to the card and MY SSN was not mine, yet they refused to take any action despite the error being on their end. They suggested that I call XXXX to verify the information they had on file for me, which I did on XX/XX/XXXX. Upon calling XXXX, they confirmed with me that they do not see any Chase cards to my name or XXXX, and that my name was in fact linked to my SSN. I called Chase again the same day ( XX/XX/XXXX ) and was yet again told that they have a card already linked with my XXXX and that my name is not found anywhere in the account. They suggested that someone XXXX have accidentally used my XXXX when applying for their card and their system must not have caught the mismatch between the name they provided and the XXXX they provided. They suggested that I call the lending department, then the fraud protection department, who were both closed then. I called today ( XX/XX/XXXX ) and was transferred several times before a kind employee attempted to resolve the issue by contacting several departments internally. After about an hour, the employee told me that no resolution was made and that she had written detailed notes which she will submit to her supervisor for review. She suggested that I wait 48 to 72 hours before calling back if I don't get a call back from them. I am at a loss because the discrepancy is very clearly on their end since no credit reporting agency that I've used reports my name or SSN incorrectly or even displays a Chase account. They refuse to take accountability for this mistake and it seems they are ill equipped to handle this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

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.

1. 15 USC 1681B. Permissible purposes of consumer reports XXXX Account Number : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
2. 1681n. Civil liability for willful noncompliance XXXX XXXX XXXX  Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 

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 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 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Merchants Acceptance Corp
State: WV

Complaint narrative:
A sales man came to mine and my wife 's home and gave us a vacuum that he stated was an air purifier and a vacuum cleaner. We insisted we didn't want it several times. He left it with us anyways and took our vacuum and broom and dust pan promising to return the next day to bring the rest of the pieces to the equipment and to see if we wanted it or not, he stated he would take it back if not. He never returned and didn't answer our phone call. Merchants acceptance supplied the loan for this, they closed the account multiple times on mine and my wife ( XXXX XXXX ) credit and reopened it multiple times and kept charging us. They then took us to court to sue us we showed up and they never showed up so the judge dismissed it. They continue to charge us still today.

Company response to consumer: Closed with explanation