vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On ( XXXX  ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I receive a notification from my credit bureau alerts stating of a change in my credit, upon review of the notification, I was notified that there was a collection being reported against my credit a collection that was reported opened on XXXX XXXX XXXX Reviewing my credit file it looks like the collection agency called consumer adjustments XXXX, purchase a debt from a original collector called XXXX XXXX XXXX, Which I have never conducted any business with. 

I will file a police report filing a fraud claim against XXXX XXXX XXXXXXXX and I will submit an added to this report once I get the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Hi Following a visit to our local Bank of America and discussing with a bank sales person, We were offered to refinance our Heloc at no cost with a better rate. We sign the new heloc document on the XX/XX/23. 
We noticed a discrepancy with the new balance that was higher than the previous .There is a differential of {$840.00} added to our balance. 
Luckily we have a screenshot of our balance before signing the new heloc. There is no online history of our previous XXXX. 
On XX/XX/XXXX after previously reaching out to the bank, I received a payoff statement with the total interest with no initial date or end date for the interest. It was the first time that were were made aware of it. At any point of time the bank mention additional interest adding to the balance until the new heloc started. 
We are pretty frustrated by this practice, if we had being made aware of this particular fact our decision will have being different. 

Thank You XXXX And 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 2023-01-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XXXX  ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX2023 my car broke down on the side of the road. I called Chase United 's Premier Customer Service line and was hung up on and they failed to dispatch a tow truck over XXXX! phone calls over XXXX hours, under their advertised benefits for my {$450.00} / year card. 

In successive calls ( 2-8 that day ) I spoke with a supervisor and was told all they could do was transfer me to unmanned Interactive Voice Response System which required a Policy Number to complete the dispatch request for the tow truck. When Supervisor 2-8 were informed of this and I politely asked them to remain on the line while I completed the call they hung up and never provided a policy number. 

Finally, I called a tow truck myself and got towed at a cost of {$160.00} which I paid with the same Chase card and submitted via their website on XX/XX/XXXX for credit or reimbursement which they refused. 

I followed up again today by phone, XX/XX/XXXX23, and was told XXXX ) Chase doesn't handle this, DESPITE PAYING CHASE $ XXXX for this card, XXXX ) They refused to do anything and they keep directing me to ( XXXX ) XXXX that requires the policy number to complete the call despite my Chase card being affiliated with the same phone number. This is UTTERLY UNACCEPTABLE. Chase 's delay cost me 3 days of hotel ( almost {$750.00} in hotel fees ) + Rental Car fees since the car didn't get to the dealership until XXXX XXXX XXXX on XX/XX/XXXX. The issue is NOT that it took XXXX hours for a tow truck to arrive but Chase 's absolute refusal to help fix the problem. On my XX/XX/XXXX call they informed me that " Chase does not have a policy number to share, '' and when I asked " Has anyone out of Chase 's XXXX staff ever tried testing the benefits you advertise to see if you can actually deliver what you advertise for, '' they said " No. '' In short Chase is FRADULENTLY advertising " Premium Benefits, '' to FRAUDENTLY elevate the perceived benefits of a {$450.00} / year XXXX XXXX XXXX and not delivering and worse yet hanging up on XXXX phone calls over XXXX hours. 

A formal investigation needs to be opened into Chase and they should be forced to pay retribution in the amount of the annual fees for anyone that has tried using this " benefit, '' which they know they are not delivering. Pointing me, and I would assume others, to XXXX XXXX XXXX XXXX ( for a tow truck ), XXXX ) XXXX is insane. Chase is the XXXX billing and collecting for this fee and CHASE should be responsible for delivering what they are charging members for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CO

Complaint narrative:
Used Wise for money transfer. AFTER the transfer was initiated and money was taken from my account, they wanted extra personal information which the receiving party did not want to disclose ( date of birth, etc ). So Wise cancelled my wire and now they have yet to return my money to me. 
Their app also shows no issue with the transfer and that it is still in process to receiving party. Only additional information given about it being cancelled is if I call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: NV

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital One has continuously charged " Past Due Fees '' of {$40.00} per month, with XXXX being {$30.00} in addition to the interest accrued to the principle balance, and the additional fees which themselves work to exponentially increase the total balance due. I have throughout my financial hardship been in close contact with Capital One to communicate to them the financial hardship I was facing, and received assurance from them that they would " work with me '' but the fact is, all they have done is worked me over. I am in the position to begin making small payments to settle my debt with Capital One, but there is no reasoning with them to remove the fees, of which I refuse to pay for. They have done considerable damage to my credit report despite their friendly appearing and sounding programs to help clients facing financial hardship. All they have done is predatorily sought ways to capitalize further on my hardship. They refuse to settle the account for any amount and are unreasonable to deal with, often their customer service does not even understand my requests because of their tendency to offshore their customer service. 
Past Due Fees : 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 : {$40.00} This is not the total of damages, but it is the total scope of record their interface allows me to access. I have been in a financial hardship since XXXX XXXX XXXX. I am a XXXX veteran, and sole provider to a wife and XXXX children. I am going to school full-time through the VA 's XXXX & XXXX program to provide a better life for my family upon the completion of my education, and hopefully during it's pursuance as well. 
The total interest charged during this time is in excess of {$270.00} with a current total balance owed of XXXX for a card which has an available credit limit of {$400.00} to give perspective to the total additional charges to the principal debt 's balance of {$400.00}, being that there is additional charges of {$730.00} I hope that this speaks volumes to the reader. Despite my constant communication with Capital One I have been treated like a rotted carcass by Capital One who is a vulture.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This debt that Im including, was disputed and removed previously. However, the agency keep reporting under other names, the same debt that does not belong to me. XXXX XXXX XXXX XXXX XXXX for {$310.00}. Commonwealth financial/XXXX XXXX for {$2300.00}. Commonwealth Financial XXXX XXXX XXXX XXXX for {$2000.00}. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: NV

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX XXXX Case Number : XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  XXXX XXXX Case Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : 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 2023-01-31 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: TN

Complaint narrative:
Upon looking at my Experian credit report, I noticed that there is a chargeoff from XXXX XXXX reporting on my Experian credit report only. It has no balance due and the date of last activity on reporting to the credit bureaus was XX/XX/2016. This account is right at the XXXX  years statute of outdated reported times : XXXX XXXX : Account XXXX : XXXX Please delete this account for being outdated and 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 explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. accounts below has violated my federally protected consumer rights to accurately report information XXXX XXXX XXXX. 
Account : XXXX Account number : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States In accordance with the irs/fcr canceled debts ( charge off ) is gross or ordinary income Income does not get reported on my consumer report Which makes the charge off an inaccurate report 15usc 1681e ( b ) 15usc1681 s2 Affirm has written it off as a lost and can no longer collect from me As defined by the IRS you must Report canceled that as gross as income on tax return and use a 1099c The IRS clearly XXXX charge off as gross or ordinary income. income does not get reported on consumer report which in fact makes you reporting on this account in accurate! 
Also see law 15 USC 1681 s-2 its requied you follow this law after investigation 15usc1681i, i have already contacted this company and they have not properly investigated this matter 15usc1681n My next step will be to collect monetary relief for this crime

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 2023-01-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a follow up to complaint XXXX and I would like to submit additional documentation I did not have at the time of the original complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity bank continues to harass me even though I have an open complaint with your office. They are supposed to resolve the issue but continue to leave me harassing messages to pay them, please help!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On ( XXXX  ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TX

Complaint narrative:
hello i habe been using my capital ine credit card for years without a single late payment. lately i got XXXX and i wasnt feeling well for XXXX weeks. my XXXX was on autopay and there was couple of returned payments not late payment though. i made payments again but there was other transaction that was going on in my checling so everytime it got returned. i was so sick i wasnt in a good mind state to think about everything. all of a sudden capital one closed my account without any notice. i called them asked them why they said because multiple returned payments and they dont reinstate my account.

Company response to consumer: Closed with explanation