vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I paid the full account balance of XXXX. When the balance was XXXX I selected the balance transfer option on the capital one app. It offered me 0 % interest for 12 months on a balance transfer with a 3 % fee. I selected that option and the balance transferred XX/XX/XXXX and I was assessed the 3 % fee on XX/XX/XXXX. On the XXXX and XXXX statements was charged interest on purchases. I have made no purchases. I only has the balance transfer which was to be XXXX percent. I spoke with capital one and they insist that offer didnt exist. That I instead had an introductory rate and it expired in XXXX. This is completely false and they refuse to honor the agreement. I escalated to a supervisor and was told there is nothing anyone can do and that the offer I selected never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: IA

Complaint narrative:
The company contacted my XXXX XXXX family from several years ago which they had no right doing. When they did this it forced me to up and move. Have voluntarily surrendered the vehicle due to having to use funds for the payment to move to protect my family. They keep harrassing me to make the payment have not picked up the vehicle and have listed it as a repossession instead of voluntary surrender. This is a breach of my privacy and my safety and something needs to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: FL

Complaint narrative:
I saw two separate fraudulent debit card transactions on my account. I filed a dispute and was told to wait 10 business days for a provisional credit. On the 10 business day my dispute was denied and no provisional credit was given after I provided clear evidence that the two fraudulent transactions couldnt have been me. I was on a trip to Ohio and Kentucky and while I was in those states ( authorized transactions posted to account to validate I was there ) two different fraudulent transactions occurred one in California and one in Colorado. The bank is refusing to help me and now 17 days later after this happen I still dont have my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my right to privacy and reported information without my written consent which is illegall and against the law. 

Below are the codes that were wrongfully used. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604. It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX has harrassed me for months with unsolicited calls and vociemails, and by reporting wrongfully used information, my credit score has drastically dropped by XXXX points. 

I would like this item removed 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 2023-04-17 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my right to privacy and reported information without my written consent which is illegall and against the law. 

Below are the codes that were wrongfully used.

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604. It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX has harrassed me for months with unsolicited calls and vociemails, and by reporting wrongfully used information, my credit score has drastically dropped by XXXX points. 

I would like this item removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached an FTC report with a fraudulent account and fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : 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 : 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 2023-04-17 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: FL

Complaint narrative:
I have been trying to get the credit bureaus to remove inaccurate information on my credit profile and they have sent me continuous stall letters each time I mail a request, nothing is being done. I have sent them proof of who I am each time using my ID and a current bill and they are still telling me that I am not who I say I am.

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 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XXXX XX/XX/2023 an unauthorized charge was made to my Bank of America checking account thru XXXX by a merchant I do not recognize and have never done any business with in the past. 

The amount charged was {$290.00}. 

On XXXX XX/XX/2023 I contacted Bank of Americas fraud department to make the complaint of unauthorized use of my card and they promptly gave me a temporary credit of {$290.00} on XXXX XX/XX/2023. 

However on XXXX XX/XX/2023, Bank of America reversed the charge and debited my account for {$290.00}, claiming that they came to the conclusion that the initial charge made by the merchant in the amount of {$290.00} on XXXX XX/XX/2023 was legitimate. 

They have provided absolutely no proof in any shape, way, or form that the charge was legitimate, and I have absolutely no recollection of ever doing any form of business with the merchant in question. 

I have been banking with Bank of America for two decades and this sort of treatment is totally unacceptable. 

I want to reiterate that this was a fraudulent charge and I did not authorize the payment of {$290.00} on XXXX XX/XX/2023. I also do not recognize the merchant. 

Im formally making this complaint today to demand that Bank of America fixes this mistake and returns me my money. I feel that I am being abused by both the unauthorized merchant and Bank of America and this is totally unacceptable.

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 2023-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT AL
SO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-17 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: FL

Complaint narrative:
The Equifax system keeps lowering my credit score without correct reason. This month my Equifax score was lowered XXXX XXXX  & stated it was because I got a new credit card. I did not get a new credit card. I can't help that credit I already have is bought out or changed. The reason states I have a new card since XX/XX/XXXX & XX/XX/XXXX & then goes on the say that I've had this credit card since XXXX! How can this possible relevant? Further the report goes to the credit company that was sold or transferred & states that my card was cancelled!! I can't help the internal workings of companies & I see no reason for a decreased credit score. My bills are paid on time, I seldom make the minimum payment but rather pay the full balance each month & yet Equifax is consistently lowering my credit score. As soon as I get the information regarding the other bureaus, additional complaints will be made. I had sterling credit 2 years ago & since then I've been lowered to the XXXX range for what appears to be no valid reason. Of course when one bureau does it, another bureau does calculations & takes to original lowing into consideration & proceed to lower my score further. This isn't right. I also want to know how to get my credit back to the 800+ range since no financial movements have been made that should have lowered my credit score to this degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I never opened this account I told them this before and they keep trying to collect that is not mine

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 2023-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I deposited {$1000.00} with MoneyLion investment account thinking they was trust worthy and reliable. Few days after I had an emergency in the family which made me want to withdraw my funds. When I tried to withdraw I had to first verify my identity which wasnt a problem. Then my withdrawal got cancelled. Then I wasnt able to withdraw again. I contacted them and they keep giving me the run around saying it takes a few business days. Now its been weeks and XXXX cant even bury my dead aunt. This is the worst experience I ever had and Im glad I see what they really about so I will never do business with them again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Total Auto Finance
State: VA

Complaint narrative:
XXXX XXXX XXXX has taken full advantage of me with violating my consumer rights by doing fraudulent and misleading acts. The company has gouged up the price of the used vehicle I am leasing and repossessed my vehicle after 19 days of being late on my payment. In XXXX, I leased the used vehicle and made a down payment of {$1700.00} for the vehicle. My monthly payments were {$520.00}. The company finance department has added another {$120.00} to my monthly bill. The advertising price was {$14000.00}, however, the company over gouged the price of the vehicle to {$29000.00}, plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a refund check from XXXX XXXX XXXX for {$840.00}. The check was deposited in my Capital One checking account on XX/XX/XXXX. However on XX/XX/XXXX a check deposit reversal was issued. Capital One stated the check was invalid. The check was from a XXXX XXXX XXXX XXXX checking account for XXXX XXXX XXXX XXXX The date of the check is XX/XX/XXXX check number XXXX. I asked Capital One why was the check invalid and they have yet to give me and answer. On XX/XX/XXXX I spoke with bank manager XXXX XXXX and she refused to give me an answer. She was rude, disrespectful and mean. No effort has been made to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-17 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc.
State: FL

Complaint narrative:
Account Grain Technology Inc Account # XXXX This company continues to report my payment as late when I can not access the account to make payments. I have submitted several inquires on their website and have submitted several disputes with XXXX and XXXX which they have not responded at all however the account is still on my report and still being reported late. You can only make a payment on the mobile app with this company. They do not provide a mailing address for payment and their XXXX # ; XXXX does not give you the option to speak to an agent to resolve the matter. With every attempt for the last 2 years to log in to make a payment, I have received an 'Account cancelled '' error message. When the account is disputed they become upset and close or block the account but never respond to the disputed inquires or correct the late payments due to their negligence. This account needs to be removed and delete immediately for the lack of responding to dispute beyond the 60 day time frame and continuing to fraudulently report the account as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I have two issues with their rewards department that I have called so many times on and been on the phone over hours and nothing has been fixed. This credit card is Marcus by Goldman Sachs. 

My first issue was that on XX/XX/2023 I used my points to redeem two gift cards. One was for XXXX for {$100.00} which I did get it virtual on my email. The second one I got it for {$100.00} and it was for XXXX  XXXX which my points got deducted for but I never received it. I called so many times for it and all I got told was to wait 24 to 48 hours and I until this day I have not received it. I have checked my spam, junk, deleted folders and nothing. All I get told is that they cant do anything to just wait but I have been waiting for months and has not been fixed. 

My second issue is that I used my credit card at the dealership for an oil change and I called to use my points towards my oil change which was {$65.00} and the the representative said my statement cycle would be paid off and my balance would be at {$0.00} since I had no other transactions pending or posted. When I got the confirmation and hung up I went to check and only {$5.00} got applied but I got my points deducted for {$65.00} and I have called multiple times and all they tell me it has been escalated to wait for a call back but my bill is due. I dont see why I should pay it when the reason I got the credit card was to use it towards my car services. I have been trying to close my credit card and I just cant seemed to get any solutions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
Like most people Covid effected my income in XXXX my mortgage servicer changed while I was going through a loan modification and it carried over to the new servicer which I had to start the process all over. Which ran into XXXX I was told by my loan servicer nothing would change to my credit because I made them aware that I was going to do a refinance. Long story short BSI Financial lied in the have proof of the lie, I've been denied credit because of what the 've put on my credit report in the comments section it reads " Loan Modified ''. I've attached proof showing I've been denied credit because of the comments left on my credit report. Also this is against my consumer laws 15 U.S. Code 1681e - Compliance procedures ( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: PR

Complaint narrative:
On XX/XX/2023 someone use my Citi The Home Depot account and make some purchase I did notice and place a claim, without the proper authorization The Home Depot mail to my home address a new replacement card and they did not take the appropriate precaution and mail the replacement card already active, due to that someone went I did three purchase with the following amounts. XX/XX/2023 {$1000.00} XX/XX/2023 {$440.00} and XX/XX/2023 {$250.00} those stores was in the east side of the XXXX XXXX XXXX a store that I had never ever visit to do my purchase, I did claim that those transaction were not my and frauded transaction and they continue saying that I am responsible. They told to send a letter complaining and I did in XX/XX/2023 and still has not receive any response. See letter and all the documentation on which I think is not fair to make me pay for something that I am not responsible in matter fact the credit card arrive in XXXX XXXX XXXX  an those transaction were make a week before. See all documentation that I sent.

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