vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
my promotions were not paid as described. it was switch and bait.

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 2023-02-06 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: GA

Complaint narrative:
EXPERIAN is reporting that Late payments on account XXXX XXXX account number : XXXX on my personal credit report. I was never late on this account. Experian can not provide proof of these negative marks. I demand they update this account to paid on time/ never late, as it should be. And mail to me a Correct 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 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express Airline card I called AmEx on XXXX XXXX, 2023 to request a {$16.00} late fee be removed. I have been a long time customer of theirs and in the past 12+ months have always paid on time. My account is due on the XXXX of each month. I accidentally set up my on-line bill pay to send out the payment on the XXXX rather than it be paid on the XXXX. Granted a silly error on my part and I thought AmEx would be reasonable with me to reverse the fee given my good payment record. Realize with the 1 day late payment, the account was paid on the XXXX, AmEx increased my interest rate at well. Since I typically pay this account off monthly I did not complain to their customer service representative ( CSR ) about the rate hike. The CSR advised me that the fee was automatically applied and could not be reversed. This I told her was a silly response, to say automation applied it and a human could not reverse is just XXXX. I asked to speak with a supervisor and she expressed one would call me back and repeated my phone number to me. Well its been over a week and no one from AmEx has called me back to reverse my late fee. The CRS did offer to give me 3000 airline miles to appease me but I still wanted to speak with a supervisor. I understand automation but I need for a human to review my payment record and decide whether or not they value me as a customer and to be reasonable. I am disappointed in this large corporation and their CRS area.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
credit card company says I did'nt make the time limts on complaint/ I did, info sent to me is unreadable by me, from booking.com. Billed twice. XXXX statement XXXX, phone dall made to capital one, follow up letter sent, per capital one 's instrustion. claim number given over phone did not match on return letter thanking me for my concern. XXXX claim numbers. reservation was XXXX told capital one this. Sent billing receit with phone numbers to call XXXX XXXX XXXX  to confer. last letter received on XX/XX/XXXX states did not make time. capial one did not protect my account, chose to take the word of a computer over a live breathing person myself

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06 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: Atlanticus Services Corporation
State: AZ

Complaint narrative:
The company is Aspire credit Card. I have a credit card showing on my bureau that is not only not mine but one I've not received or applied for and it just appeared with a balance of {$930.00} all past due. When I told them they said it would be verified and removed of which they won't do. They say they will correct this and just never reply. Ive attempted to dispute 2 times by calling them and also 2 dispute online with XXXX All they do is update the date and never provide me or the bureau how or why the appears. By just updating a date it seems the bureau thinks its fixed. they are playing games with my credit report. Please help. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: IL

Complaint narrative:
Self financial closed account and fraudulent activity sending information to credit reporting agencies trying to keep credit scores below XXXX to keep me from buying a home I think XXXX  may be involved I was sent information to transfer money from one account to another once I made the transaction my account was closed to prevent me from paying with my other account I have reported Self financial to the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted Capital one and said my ex-wife opened a credit card in my name without my knowledge and used my routing number and account number I sent also FTC report, my report and my documents, when i contacted capital one the customer service said I can have a refund, but I didn't, the credit card just canceled and capital one never contacted me. I will talk with my lawyer to sue Capital on the last number of my credit card XXXX it's the second complaint and Capital one never helped me and never contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. 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 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
After closing my account, XXXX XXXX is attempting to reopen a Chase credit card account in my name. I have not authorized this new account. In addition, XXXX XXXX is erroneously charging me {$95.00}. Please see 3 attachments. 

Just as important, is the fact that on XXXX I accidently sent my electric bill of {$200.00} to Chase. Please see attachment 4. I spoke to an account supervisor named " XXXX '' who told me that I would not be refunded without documentation from my bank attesting to my account status and account numbers, also a copy of a voided check, plus a statement that shows the transaction, Can not return without addtional details provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The company is XXXX credit Card. I have a credit card showing on my bureau that is not only not mine but one I've not received or applied for and it just appeared with a balance of {$930.00} all past due. When I told them they said it would be verified and removed of which they won't do. They say they will correct this and just never reply. Ive attempted to dispute 2 times by calling them and also XXXX dispute online with Equifax.. All they do is update the date and never provide me or the bureau how or why the appears. By just updating a date it seems the bureau thinks its fixed. they are playing games with my credit report. Please help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Two years ago I got approved for a loan which put my life on hold due to the APR being high the amount is high. The value of the car is at XXXX. I am paying more now than what the car is worth on top of it all the car broke down and Im still receiving phone calls from them the bank stating that they will add that to my credit history like theyve been doing which bought my credit score down which Im not liable to get another vehicle at the present time the repairs of the car is running about XXXX which they sold me a bucket which is a 2011 XXXX XXXX if I know what I know now and how is it going to put a dent on my future plans and now I wouldve never went through it can you please help

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 2023-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern : Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, I have listed the item and account number below : ( XXXX XXXX, as account has been deleted from XXXX ) I am requesting that the following account be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator to locate the individual ( s ) who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendants. 
It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention and completed within 30 days of your receipt. Thank you for your prompt attention to this matter. 
Sincerely, 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 2023-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The laws are very clear under 15usc1681B, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. My written consent is needed in order for this company to access file. According to15usc1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

maybe this was an honest mistake but the law is very clear. Please provide the document with my wet signature giving this company my written consent to access my credit file. 
Date of inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had overdraft fees and all types of stuff charged to my account over the time period that I had a Wells Fargo account and it ended up getting closed because of that. I dont have access to the information anymore but this was in XXXX, i cant remember the exact dates or amounts but if someone could get access to my account then they would be able to see this.

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 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /s/ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: MA

Complaint narrative:
I received a bill for XXXX XXXX from XXXX XXXX XXXX at the XXXX XXXX XXXX which I paid in full on XX/XX/2022 ( receipt attached ). Even though this bill was paid, XXXX XXXX XXXX sent it to debt XXXX, Wakefield and Associates ( XXXX XXXX XXXX XXXX TN XXXX ). I then received a letter from Wakefield and Associates that the bill was sent to debt collection. I informed the debt collector 's office over the phone that the bill was already paid to XXXX XXXX XXXX within due time. Despite this correction, neither XXXX XXXX XXXX at XXXX XXXX nor the debt collector at Wakefield and Associates fixed their mistake. The bill shows up as a derogatory mark with multiple credit rating agencies and was reported to them on XXXX, 2022 - 4 months after it was paid for- and still shows up as open on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
i got a cedit card from capital one master card someone uesd my account to get some food i called and told them that someone ordered food so they sent me another card i did not get the card they sent another card they uped my credit limit from XXXX to XXXX i used the card once tryed to use it again and they had closed my account they put me in the credit bureau closed account owning XXXX they closed the account XX/XX/XXXX i was making all of my payments on time i had been paying capital one for XXXX XXXX on a closed account i stop paying them in XX/XX/XXXX i pay my bills on time i cant even get a credit card this has made my life bad i cant get any credit because of this i have call and called they cant tell me what happen at first they said i had a return payment i have bank records that i payed on time if it was fraud why would i have to pay i dont know whats going on i need my credit fixed and my money back for paying them for XXXX XXXX on a closed account and its still on my credit report as closed account they are sending letters that they are going to send me to collections its already on my credit as being closed they are trying to really do me bad the first how a second time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: FL

Complaint narrative:
I request Physical Verification of this debt that was report to my credit by XXXX, XXXX and TransUnion. I got the same respond back they investigate is and a physical and the court report this true and accurate. I send the same letter to the bankruptcy and there finding was they never report that information to my credit report at all. I have attached the letter from Bankruptcy Court. The information that XXXX, XXXX and TransUnion say had been verifiable was not even report by the court. 

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Reporting agencies must not disseminate outdated negative information. 

Violation ( s ) : Reporting agencies give inaccurate financial information about you. 
Agencies fail to follow guidelines for handling disputes. 
Reporting agencies providing information to unauthorized persons or businesses. 

Please remove this from my credit report because is a clear violation of fair credit reporting act.

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 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. 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