vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Netspend Corporation
State: AL

Complaint narrative:
If you can send me an email I will send you the info of how much and everything it is fraud and I can get no one to help me I'm a senior citizen and NetSpend took money from my Social Security checks for 2 months and they will not give me my money back and they closed my account without me knowing it back in XXXX of 2022 please tell me that you can help me this is very upsetting and I just didn't know where else to go thank you and have a blessed day

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 2023-07-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a Bank of America rewards credit card. When I applied I was offered cash back. Per the terms and conditions, it stated I would get {$25.00} for every XXXX points. I have points that add up to almost {$9000.00} cash back. I am not allowed to redeem it. I have points from last year of 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 2023-07-11 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was once a subscriber to XXXX XXXX XXXX XXXX service and enjoyed the meals and service. Because we weren't cooking at home as often, I paused the subscription and then attempted to cancel it. on XX/XX/23, I received an email from XXXX XXXX representative XXXX statins that she had " deactivated my account and removed billing and email information ''. I then received another meal. I assumed it had been shipped prior to the email from XXXX. I then received XXXX more meals and each time, I reached out and replied to XXXX ' original email to let her know that service had been canceled, I had not been on the website to change meals, and I should not be getting them. I checked the credit card I use most often, XXXX  XXXX XXXX, and found nothing charged. I finally looked at my Capital One card and low and behold, there were the charges. I immediately disputed the charges and they were temporarily removed. There had been XXXX shipments and XXXX charges, and I disputed XXXX, because clearly I had communicated with XXXX prior to the last XXXX being shipped as you'll see from the timeline below : XX/XX/23 email cancellation confirmation from XXXX XX/XX/23 Home chef charge XXXX initially but realized package XXXX have shipped before reply from XXXX XX/XX/23 XXXX chef charge XXXX # XXXX XX/XX/23 Response email sent to XXXX regarding continued boxes XX/XX/23 Home chef charge XXXX # XXXX XX/XX/23 Home chef charge XXXX # XXXX XX/XX/23 Another response email to XXXX regarding continued boxes XX/XX/23 Dispute was filed with Capital One when charges were realized they were there XX/XX/23 Received letters from Capital One that confirmation showing no cancellation per policy received and that correct documentation had not been received XX/XX/23 resubmitted complaint with all requested documentation XX/XX/23 Received statement saying they had closed the case because all documentation needed was not included. 

Ive attached ALL documentation that I have. I plan to cancel this card because if this is the way Capital one does business, I want not part of this. I am a college educated professional with a credit score over XXXX, which shows I pay my bills and take care of my business. As youll see from documentation attached, I have dotted my eyes and crossed my ts and done everything I could to XXXX these shipments and XXXX them from being charged for something I never ordered/wanted to continue. 

Thank you for the consideration and please reach out if I can clarify or answer any other questions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 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: GA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: WV

Complaint narrative:
Was contacted at home by someone claiming I owed over {$5000.00} for a debt that was supposedly only {$800.00} tried to obtain information about said debt. Representative was continuously rude saying I knew exactly what the debt was and that I owed it. I honestly dont remember this debt. I asked if this was a time barred debt to which I received no response other than I would be recieving court papers in the mail from a local attorney over this matter and once I did I could ask them all the questions I wanted to. I did manage to find the representative I was speaking with worked for XXXX, XXXX, and XXXX. I made sure they had the proper address on file to send me the paperwork ( the rep read it to me I didnt give it ) however if this is indeed a debt I owe, which I dont believe it is, it would be a XXXX year old debt I would like them to A ) stop contacting me B ) Stop violating the law by trying to intimidate and collect a debt that I dont believe I owe and is well past the statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Best regard The following complaint is to denounce the Home Depot Company with which I have a credit card with zero interest payment for one year.

But at the end of the year, they have decided to charge me all the interest from the previous months with a value of {$1000.00} in the month of XX/XX/XXXX. 
I started using it on XX/XX/XXXX with a value of {$3400.00} and never used it again. 
For a year and I have paid {$690.00} for which the debt should be {$2700.00} = ( {$3400.00} - {$690.00} ) and according to what is stipulated they should be charging me an interest between a rate of 17.99 % and 26.99 % per year which would be between a 1.49 % and 2.24 % monthly approximately. 
This would be using the highest monthly rate as an example. 
XXXX {$2700.00} + 2.24 % ( {$2700.00} ) ===> {$2700.00} + XXXX = {$2800.00} ... ... ... ... ... ... ... ... ... ...... 
XXXX {$2800.00} + 2.24 % ( {$2800.00} ) ===> {$2800.00} + XXXX = {$2800.00} In short, what should really be in the balance as of today XXXX XX/XX/XXXX on the Home Depot credit card is {$2800.00} and not what they intend to charge me as of today, which is {$3800.00}.

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 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I worked for 1 company over 8 years. Every check deposited was on hold sometimes for 2 weeks or sometimes for 1 week. Which in turn caused me to overdraft living paycheck to paycheck. I was told several times to call my home branch and even then they gave me a hard time to clear a check from payroll. Which I am now in collections from a delayed deposit which I received multiple overdraft fees.

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 2023-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2023 I once again reviewed all three of my credit reports from XXXX, XXXX and Transunion to find that I am the victim of identity theft and my information was fraudulently used to apply for car loans and credit cards. There are multiple inquiries from these companies that I am requesting to be deleted immediately. I have already filed an FTC report and a Police Report. 
The credit bureaus are in violation, reporting that these inquiries into these credit applications were determined to be factual, but this is incorrect and they are refusing to remove these inquiries.

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 2023-07-11 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: CA

Complaint narrative:
On XX/XX/2023 I once again reviewed all three of my credit reports from XXXX, Equifax and XXXX to find that I am the victim of identity theft and my information was fraudulently used to apply for car loans and credit cards. There are multiple inquiries from these companies that I am requesting to be deleted immediately. I have already filed an FTC report and a Police Report. 
The credit bureaus are in violation, reporting that these inquiries into these credit applications were determined to be factual, but this is incorrect and they are refusing to remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: OR

Complaint narrative:
re ; Capital 1 case # XXXX. I was set up with auto pay to pay XXXX XXXX XXXX  phone charges. I switched to XXXX on XXXX. XXXX. I called XXXX XXXX XXXX cust.svc on XXXX to Cancel svc. I was informed by the rep that my svc was automatically cancelled when I pulled my phone # to another carrier. I called Capital 1 on XX/XX/23 to dispute the charge made by XXXX XXXX XXXX and that Capital 1 was trying to collect on. I received a response dated XX/XX/23 that XXXX XXXX XXXX asserted I had NOT cancelled my service and that my dispute was denied. I again called Cap1 on XX/XX/23 to dispute XXXX XXXX XXXX 's claim that I hadn't cancelled and requested proof of XXXX XXXX XXXX 's claim. A letter dated XX/XX/23 sent copies of XXXX XXXX XXXX 's documentation that was to substantiate their claim that was COMPLETELY unreadable and proved nothing. On XX/XX/23 I sent an email to Cap1 with my substantiation for my dispute. There was no response from Cap1 other than continued billings. Finally on XX/XX/23 I AGAIN called Cap1 and was told that there IS NO email available to send documentation to the dispute team. Instead I needed to send docs via a link they provided. I complied and reiterated the need to send me proof of XXXX XXXX XXXX 's claim. I received a response denying my dispute and AGAIN not providing me proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: TX

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-07-11 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I bought an XXXX through XXXX with the Citizens One payment plan in XXXX of XXXX. Citizens One provides no billing invoices, contacts folks or anything. In XXXX of XXXX I was finally contacted by Citizens and informed that my payment plan was 4 months late ( i.e. they had issues processing the credit card ). I explained there was a change of credit card information during COVID and Citizens told me they understood and this would not be reported to the credit bureaus in any case. I paid the entire balance of the loan immediately. Magically in XXXX, Citizens One reported this loan to the credit bureaus and has since continually decided to make reports monthly not only indicating I had 4 late payments ( seriously affecting my credit score ) but also indicating the account is still open. When I've tried to talk to Citizens, they assure me there is no balance and that the account is closed. If the account is closed, why are you reporting it as open etc. to the credit bureaus? I have over a year and a half of credit bureau reporting at this time for an account that has no monthly payment. This is not a revolving loan. There is no line of credit. This was a payment plan for an XXXX. Affirm and anyone else, report the loan when paid off ( sometimes ) and indicate it is closed. I've disputed the information through XXXX, XXXX etc. and all they simply say is the information reported is accurate. Why would it be accurate that a payment plan that's been paid off with 0 balance is still open? What is the point of this? It is ruining my credit score and there's zero accountability here. I'm stuck with delinquent reporting for an account that is still reporting as live over XXXX a month " missed '' payments. Amazing. As seen in the files, it indicates there is an available balance of {$2500.00} of {$2500.00}. Yet, no mechanism, to borrow such money, or withdraw such money. Why would there be an available balance on an installment plan that's been paid off with a term of " 0 ''. What a mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-07-11 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: TX

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-07-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to bring to your attention an issue that I have been encountering with XXXX XXXX XXXX, XXXX, TransUnion, and XXXX. The essence of my complaint revolves around the false and inaccurate reporting of an unsecured loan attributed to me by XXXX XXXX XXXX, a " credit services organization ''. 

In documentation provided by XXXX XXXX XXXX they openly acknowledge, " XXXX XXXX XXXX XXXX DBA XXXX ( XXXX XXXX ) acts as an intermediary between a Lending Partner ( the Lender ) and you in connection with Loans made by the Lender ... XXXX XXXX  does not make Loans or provide credit counseling or credit repair services. ''. Additionally, they confirm that they do not directly or indirectly extend credit to consumers, which is consistent with California Civil Code Section 1789.13 ( p ) It is therefore illogical and factually incorrect for them to report an unsecured loan on my credit report when they themselves concede that they do not provide loans. This information is not only materially false but also breaches the Fair Credit Reporting Act, 12 CFR 1022.41 ( a ), as it misrepresents the nature of my relationship with XXXX XXXX XXXX. 

Moreover, the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ) ( 1 ) ( A ), prohibits any person from providing information about a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. Given the above assertions, it is clear that XXXX XXXX XXXX, XXXX, TransUnion, and XXXX, have violated this regulation by insisting on the validity of the unsecured loan. 

Despite my efforts to resolve the issue by disputing the inaccurate information XXXX, TransUnion, and XXXX insist that they have 'verified ' the information, an assertion that I challenge based on the legal definitions of " Verify '' and " Verification ''. As per XXXXXXXX XXXX XXXX XXXX XXXX XXXX, " VERIFICATION '' is defined as the " Confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition '', and " VERIFY '' is to " confirm or substantiate by oath ''. It's clear that the verification process necessitates a formal oath or a similar legally-binding assertion, which I find doubtful in this context. 

And if for no other reason, the account should be deleted as a matter of privacy, which congress has stated is my right.

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