vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Wire Transferred {$4300.00} on XXXX XX/XX/2023. Within 5 hours informed XXXX XXXX ( my bank ) to cancel the transaction as I suspected they were scammers. However funds were already transferred, my bank was unable to get my funds bank as beneficiary bank refused to do it. I received their decision on XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: MI

Complaint narrative:
I have tried disputing items reported to my credit report already and the accounts have not been verified accurately and deleted even after investigations were done. The following accounts are reported to my credit reports inaccurately after complete investigations by credit reporting agencies : 1. Account number - XXXX : Fair Collections and Out Balance : {$5900.00} Original creditor : XXXX The XXXX XXXX  Reported : Dispute investigation completed on XX/XX/2023 ( credit karma ) In accordance with the fair credit reporting act XXXX  account # 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

2. Account number - XXXX : XXXX XXXX XXXX : {$470.00} Reported : XX/XX/2023 In accordance with the fair credit reporting act XXXX  account # 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 
3. Account number : XXXX : XXXX XXXX XXXX Original creditor : XXXX XXXX Balance : {$360.00} Reported : Dispute investigation completed on XX/XX/2023 ( credit karma ) In accordance with the fair credit reporting act XXXX  account # 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

4. Account number : XXXX : XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} Reported : Dispute investigation completed on XX/XX/2023 ( XXXX XXXX ) In accordance with the fair credit reporting act convergent account # 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 : if also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: MI

Complaint narrative:
I have tried disputing items reported to my credit report already and the accounts have not been verified accurately and deleted even after investigations were done. The following accounts are reported to my credit reports inaccurately after complete investigations by credit reporting agencies : 1. Account number - XXXX : Fair Collections and Out Balance : {$5900.00} Original creditor : XXXX The XXXX XXXX  Reported : Dispute investigation completed on XX/XX/2023 ( credit karma ) In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. XXXX5 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : if also states a consumer reporting agency can not furnish an account without my written consent. 

2. Account number - XXXX : XXXX XXXX XXXX : {$470.00} Reported : XX/XX/2023 In accordance with the fair credit reporting act XXXX  account # 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

3. Account number : XXXX : XXXX XXXX XXXX Original creditor : XXXX XXXX Balance : {$360.00} Reported : Dispute investigation completed on XX/XX/2023 ( XXXX XXXX ) In accordance with the fair credit reporting act XXXX account # 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

4. Account number : XXXX : XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} Reported : Dispute investigation completed on XX/XX/2023 ( XXXX XXXX  ) In accordance with the fair credit reporting act XXXX  account # 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 : if also states a consumer reporting agency can not furnish an account without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 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: NY

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was a victim of the security data breach for XXXX and XXXX and I checked my credit report and saw credit card accounts and loans in my name starting in XXXX of XXXX  that have become delinquent but I never opened these accounts on my own which let me know that Ive become a victim of identity theft.

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 2023-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP
State: AL

Complaint narrative:
I recently paid a XXXX dollars credit card debt by way of Fasfa Student loans and was unsure how the process was going.

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 2023-03-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian neglected to sufficiently investigate the errors being reported on my credit report. 
I do not have an account with XXXX XXXX XXXX. 
XXXX XXXX XXXX account has been reported without providing documentation showing the true and correct information. I do not see any correct information for this account, No balance history, no payment history, missing data, Experian claims this account was opened over 7 years ago which also puts this account in violation of satute of limitiations of collection and reporting. Experian claims this account was opened 2017, then experian should supply/provide the documentation proving this account to show such or delete immediately from profile. Experian neglected to report this account full details, Highest balance data is missing ( provide this information or delete this account immediately ), First date of delinquency is not being reported also, when was the first and last date of delinquency. ( provide this information or delete immediately ), This account is also being reported repeatedly every month as a collection, this is a violation of fcra laws. What was the amount last paid and what was the payment date for that. Being that the payment history is missing lots of important data, Experian provide this or delete the account immediately. This account is listed as an collection account, why is experian reporting a past due amount on a collection account? This is in fact Illegal to report negative and false information that harms the consumer. Experian has neglected and caused harm by conducting illegal reporting and sharign of my data and I demand to have this national credit account deleted from my profile immediately. XXXX XXXX is not the original creditor but also neglected to notify me of such account and both national credit and creditor claim to not have any information on this account so why does experian report negative and false information.

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 2023-03-30 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: CA

Complaint narrative:
Sequium Asset Collection mailed a request for a response on a debt from XXXX they intended to collect sometime around XXXX or XX/XX/XXXX. I responded that I never received the internet equipment from XXXX, which can be verified by the tracking number for the equipment shipment. The debt was invalid as I never started service with XXXX at that location. Sequium reported a collection on my credit report anyway. The response to Sequium was made through snail mail, so I did not retain a copy. 

Before Sequium reached out for collections, I had already notified XXXX via email that the equipment never arrived. This happened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
The debt that is being reported by Trident Asset Management XXXX XXXX XXXX XXXX is not a valid debt. 

A woman was going door to door selling electrical service for XXXX XXXX. The woman quoted me a rate that was substantially lower than my current electricity provider, so I agreed to switch providers. I received the contract from XXXX XXXX and it was substantially higher than I was quoted. I immediately called XXXX XXXX and cancelled the new contract and rescinded my authorization to switch providers because the rates I was quoted were not honored. My electric service was never switched. 

I then received a bill from XXXX XXXX for {$79.00}. I called XXXX XXXX and explained that I would not pay this bill, I was given false information in an effort to get me to transfer my service, and I immediately cancelled before any changes were made. 

I was then notified by Trident Asset Management that a collection account in the amount of {$270.00} was opened with their office XX/XX/2022 for XXXX XXXX. I explained to Trident Asset Management what happened and informed them that this was not a valid debt. Trident Asset Management reported this collection account to the credit bureaus which has caused me substantial harm. I have called XXXX XXXX, Trident Asset Management, and have filed multiple disputes with the credit bureaus, but the debt is simply reported as meeting FCRA requirements. 

XXXX XXXX representative made false claims to convince me to switch my electric service. As soon as I discovered this misrepresentation I acted. No service was ever changed, this is not a valid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I went back over my statements for XXXX  and realized that I was being charged a late fee EVERY month. I WAS late a few months ( the first couple of months of the year were rough ) but since XXXX of XXXX, I've paid every month. The issue is, I was paying in the beginning of the month, since that is when I receive my SSI, and I just wanted to pay all my bills and forget about it. So I would pay on the XXXX or the XXXX of each month. My bill is due on the XXXX of the month. They were attributing the early payments to previous months. So therefore I was being charged a late fee EVERY month. This isn't right, especially because some months I paid twice ( XX/XX/2022 I paid {$100.00} on XX/XX/XXXX AND {$100.00} on XX/XX/XXXX. Because that was close to the date it was due, I did not receive a late fee that month. ) After XXXX, because there was no late fee that month, I should have been caught up, and any payment in the month of XXXX should count for XXXX, right? Well, apparently not. I paid {$100.00} on XX/XX/XXXX ( keep in mind, that amount is always over my minimum required payment ) and I received a late fee on XX/XX/XXXX. Paid {$100.00} XX/XX/XXXX, paid {$50.00} XX/XX/XXXX, received late fee on XX/XX/XXXX. Etc. I spoke with the company and they were only willing to refund ONE late fee, the one for the recent past month. I feel like I've been a good customer for a year now, no missed payments, in fact, many months I paid twice. But I've been getting charged {$40.00} nearly every month. For making EARLY PAYMENTS. That does not make any sense. I closed the account and I am perfectly ok with paying whatever balance I owe but I want them to refund the late fees in the months that I paid early. 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 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
My husband and I experienced a total fraud from Citibank. We co-opened a checking account with a deposit of {$50000.00} in XXXX Citibank promised a {$700.00} bonus meeting necessary requirements. I met all the requirements and was told by several agents that all my qualifications have been met and to wait for 90 days and the bonus would be deposited. After calling for six months and spoken to many representatives and supervisors, we were assured we met all the qualifications and the {$700.00} bonus would arrive. I have names and dates. After speaking with the executive response team, they stated unfortunately, we are not aware of any promotions offered in conjunction with the opening of your account. Weve escalated numerous times with Citi managers and they refuse to honor their promotion after fulfilling our part. This is scam. We closed our checking account and we are both filing a complaint. Many consumers have been mislead by the fraudulent activities of Citibank.

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 2023-03-30 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: PA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX has violated my rights. 

I am not liable for this debt with XXXX XXXX XXXX and I DO NOT HAVE A WRITTEN OR SIGNED CONTRACT WITH THEM OR THE " Original Debtor '' and until this day they have YET to provide me with the original applications with my signature on it. Therefor this is misreporting and its negatively impacting my credit report. 


USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

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 2023-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX we made a balance transfer from our Bank of America Platinum rewards for {$1300.00} to XXXX XXXX . BoA does not allow electronic transfers to XXXX so a paper check from BoA, written and sent by BoA, was mailed on XXXX number is XXXX. XXXX XXXX received and cashed this check XXXX check was under My name, but deposited into and incorrect XXXXXXXX XXXX account number . Somehow this check had a clerical error, and two numbers on my account were transposed. I do not know who the other account belongs to an I am not privy to confidential information. Subsequently, once both BoA and ourselves realized that this error occurred, disputes were opened with both banks. Dispute was opened with BoA onXXXX. BoA never sent us any communication of the status of the Dispute. We were told to wait a month. On XXXX we contacted BoA to follow up and were told different things by different people. We spoke to both the Balance Transfers Department and Disputes. Spoke to XXXX, XXXX and XXXX to name a few. We were told by BoA that they had contacted XXXX XXXX and they received a letter stating that the account number on the check was a valid one. I also contacted XXXX XXXX and was told that BoA had never contacted them and they had no evidence of any approach by them. They were unable to give me any information as the account number the check payment was remitted to is not under my name. I was told multiple times by BoA that we would be contacted via phone. We received no follow up calls. On XXXX I again contacted BoA and was transferred from Balance Transfers Department back to Disputes. I spoke to XXXX who was incredibly rude. She said we would receive a copy of the front and back of the cashed check within 7-10 business days. I asked to speak to whichever 'specialist ' was handing my dispute, XXXX XXXXXXXX. I was told their department has no phone number or messaging system to contact these 'specialists ' and that they would call me back. I asked multiple times for a copy of the letter XXXX XXXX sent BoA and no information was shared. XXXX then ignored by requests to escalate the situation, I told her I was ok to hold for some one who could better help me. She hung up on me. Im sure theres a recording of this. In conclusion, I still dont know if I will be credited back the {$1300.00}. I will be following up with my dispute with XXXX XXXXXXXX and go from there. We have been customers of BoA for 12 plus years and are incredibly hurt by the treatment we have received. We don't know what the next step is with BoA and how we are going to recoup our money.

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 2023-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: RI

Complaint narrative:
I was laid off from XXXX XXXX XXXX and was offered a grant from Rhode Island Housing Assistance fund for 24 months mortgage payment Assistance but it required my servicer to provide my mortgage records. Which were requested by Rhode Island Housing on well over a month ago and by me daily. I call every day and get nowhere. 

The day I was laid off I called and requested forbearance and it took me two months to get approved. Other servicers are very responsive, and Fifth Third Bank is not willing to help. I will likely lose my grant due to Fifth Third not responding to Rhode Island Housing for my mortgage records and lose my home.

Company response to consumer: Closed with explanation