vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My account was closed recently for XXXX returned payments on another account. One of the payments that were returned was because I had XXXX and was experiencing some hardship. I spoke to a representative regarding this and they reassured me that this would not affect my account. After my account was closed I tried to reach out to the company to have it reopened amd my request was denied. I've been with this company for over 7 years and I am asking for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I have no knowledge of the inquires listed below. And the hard inquiries are a result of identity theft and must be removed no later than four business days as per U.S. Code 1681 c-2. 

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

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 2023-10-17 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: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
The debt has been reaged multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I fell victim to a multi-layered scam operation run by an XXXX XXXX who wanted to learn more about American culture ( XXXX XXXX ) which involved me making deposits for a total amount of XXXX USD from my BOA account to fraudulent investment firm ( s ).

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 2023-10-17 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I applied via fsa for the SAVE IDR plan for Mohela. I realized that my classes were going to start after my first payment was due. I applied before my first payment was due. I submitted on XX/XX/XXXX. 

I called mohela about a week later to make sure that it was okay, and that their taking a long time to decide wouldn't effect my repayment should I be denied or accepted. The rep told me she sees the pending application and should I be accepted or denied, I will not be penalized by being past due, period, and since I'm starting classes again it should be fine. 

Today, XX/XX/XXXX, I recieved a bill in my email stating I'm past due since XX/XX/XXXX. 

My SAVE IDR plan was approved for XXXX dollars for 12 months on the XXXX of XXXX. 

I called today, XX/XX/XXXX, and waited on hold for almost 1 hour and 45 min. I was then on hold in 2 min intervals with a rep trying to see if she could put in some kind of request on my account, and that I should not have recieved a past due bill for another 45 min. 

The rep finally came back and said she got in contact with someone who could answer, and that another brief hold was necessary. I said sounds great, thank you! And then there was silence, the hold music played and the line disconnected. 

At the start of the recorded call, I was asked to confirm my phone number, and then was asked if the line were to disconnect can they call me back. I gave a very enthusiastic " yes please '' it has been over 45 min since then and I have recieved crickets. I am on hold again with them now and beyond frustrated with their abysmal service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
The Medical Revenue Services contacted me on my cellphone regardless of my request that all communication be through the USPS, they have ignored my request nor they properly and in completed reply to my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I entered an auto loan contract with Credit Acceptance on XX/XX/XXXX for 33months and I have doubled the payments and I only owe is {$870.00} and for the last two months they have reported to all 3 credit bureaus still saying I owe {$1300.00} and my credit has fallen XXXX points, my account number is XXXX, the car will be paid off on XXXX 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 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I paid and they sent money to company out my account without my permission cause the account overdraft XXXX $ and I had the money in my account so bank paid a company without my consent cause my account to overdraft and close on chase behalf not fair to me and cause eary warming service place on my credit so I can open new account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
FIRST OF ALL ON XX/XX/23 I FOUND A MISTERIOUS DEPOSIT IN TO MY SAVINGS ACCOUNT 0F {$2500.00} THEN THAT SAME DEPOSIT WAS TRANSFERED FROM MY SAVINGS ACCT IN TO MY CHECKING ACCT, WHILE IM TRYING TO FIGURE OUT WHAT HAPPENED WITH THIS TRANSACTION THAT I DID NOT RECOGNIZE TWO DAYS LATER ON XX/XX/23 I FOUND SOME MORE MISTERIOUS TRANSACTIONS THAT I DID NOT RECOGNIZE NOR I APPROVED I FOUND ONE OF {$1000.00} AND ANOTHER OF {$80.00}. THAT WERE TRANSFERED FROM MY SAVINGS ACCOUNT TO MY CHECKING ACCOUNT. THEN ON MY CHECKING ACCOUNT THE SAME DAY I NOTICED THAT A PAYMENT OF {$3500.00} WAS MADE TO A XXXX XXXX IN XXXX MICHIGAN AND AN ATM WITHDRAWAL OF {$130.00}. NON-OF THOSE TRANSACTIONS DID I RECOGNIZE NOR I APPROVED. SUPPOSEDLY THEY SAY THEY SENT ME 4 NOTIFICATIONS TO MY PHONE NUMBER AND THAT I REPLIED OK TO APPROVE THE CHARGES HOWEVER I DO NOT HAVE ANY MESSAGES FROM BANK OF AMERICA THAT DAY NEITHER I HAVE SUCH MESSAGES ON MY PHONE RECORDS FROM MY CARRIER. 2 DAYS LATER AFTER CALLING BANK OF AMERICA TO FIND OUT ABOUT THIS CLAIM I WAS INFORMED BY THE BANK 'S REP ABOUT 3 FRAUDALENT CHECKS WITH AMOUNTS OF {$4500.00} EACH TOTALING {$13000.00} WRITTEN FROM A LADY IN NEW YORK WITH A XXXX BANK ACCT TO A PERSON WITH THE SAME NAME AS MINE, XXXX XXXX STATING THAT THE MONEY CAME OUT OF MY BANK ACCOUNT AND THEREFORE I OWE THAT MONEY TO BANK OF AMERICA. 
THIS 3 CHECKS THING SOUNDS VERY CONFUSING TO ME AND HONESTLY, I FEEL LIKE SOMEONE IN THE BANK MADE A MISTAKE AND IS TRYING TO COVER IT OR FIX IT OR THERE IS INTERNAL FRAUD FROM WITHING BANK OF AMERICA. THE FRAUD CLAIM OF {$3500.00} WAS ALREADY CLOSED BY BANK OF AMERICA SAYING THAT THEY WILL NOT PAY IT AND THE 3 CHECKS OF {$4500.00} EACH IS TAKING TOO LONG TO RESOLVE AND EVERY TIME I CALL THE BANK, THEY DONT HAVE ANY NEW INFORMATION OR THEY SEND ME TO THE WRONG DEPARTMENT OR I HAVE TO WAIT ON THE PHONE LINE 30 TO 45 MINUTES TO GET DISCONNECTED. I DON'T KNOW WHAT'S GOING ON WITH THEIR OWN INVESTIGATION THEY HAVE NOT SENT ME ANY EMALIS NOR CALL ME TO GIVE ME AN UPDATE. I FILED A POLICE REPORT ( REPORT # XXXX ) FROM THE XXXX ARIZONA POLICE DEPARTMENT AND XXXX XXXX XXXX ADVISED ME TO CONTACT THE CFPB AND THE FBIA AS WELL SPECIALLY SINCE IS BELIEVED THAT THIS IS A FRAUD WITHIN BANK OF AMERICA OR AN INTERNAL MISTAKE THAT ARE TRYING TO COVER.

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 2023-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have sent XXXX and LVNV Funding letters, and documents of proof that the account is not mine. I have also let LVNV funding now that the address that they are reporting on the account is not mine. I have never lived there. Its not reported on my credit report because its not an address associated with me. I have let them know this multiple times along with cinnamon documentation that shows my actual signature along with me stating that my information was stolen years ago. That includes my Social Security, my ID and a lot of other important documentation, including my birth certificate. This account was open without my knowledge which is fraudulent, and it needs to be removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: AZ

Complaint narrative:
They are stating I owe an Alleged debt, which I do not owe. they have not provided proof.

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 2023-10-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
i have tons of HARD inquiries from Capital One and car companies. I havent applied for either EVER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: FL

Complaint narrative:
I submitted dispute with CFPB on XX/XX/XXXX for the following item XXXX XXXX XXXX They have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report showing inaccuracies. 

XXXX XXXX Delete this account because each bureau reports a different date last paid : XXXX shows XX/XX/XXXX, XXXX XXXX no date and, Transunion shows XX/XX/XXXX, how can this be accurate?, remove due to inaccuracy - I never paid late in XXXX or XXXX of XXXX, Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed. How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against.

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 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Credit Karma, LLC
State: IL

Complaint narrative:
I was on my XXXX XXXX account and clicked on one of the menu items. I was prompted to update some basic information, and then suddenly was told that I'd opened an account and that a debit card was heading to me in the mail. I did not consent to opening an account, I did not want to open an account. I simply wanted to check on my loan information and their website has ( probably intentionally ) confusing design. Their help page on their website won't let me submit the form to complain to address the issue, and they have no contact number. Totally reprehensible behavior from a company that is supposed to be about helping people get good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: GA

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

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

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 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have a current complaint XXXX pending their review. The company only sent {$400.00} as a credit. The past weekend I was out town with my son and had some deposits and holds. I specifically when getting the account did not get any over draft protection, if the funds are not available nothing should be charged or removed from my account. I attempting to contact them and they disconnected the chat. After telling the hotel places a hold on my account an excuse causing the negative. The funds should not been excepted if was not there and every transaction they send me an alert and deducted and I move funds around to make sure that amount is available. Now that the gave me something this more fraudulent attempt to take it back through fees. Why give offers if theyre going to be a con about it. I made account positive when the call dropped and reported to you. Because this is a game to them and this is personal to 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 explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
They suspended my account with no legitimate reason I have sent documents in which they requested and the still won't unsuspend my account so I can get my funds

Company response to consumer: Closed with explanation