vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2021 i made my payment to capital one. I tried to pay my cell phone bill but my card was declined when i should have had enough credit to cover my bill. My payment posted XX/XX/2021 as usual but my credit line didn't increase back to the {$300.00} available credit line. I contacted capital one and was told that the payment had not been received on their end. I asked to speak with a supervisor and was told the same thing. I then hung up and contacted my banking institute and told them the situation. A rep from my bank and i then called capital one on a conference call so that my bank can verify that the payment was made posted, settled and should be with capital one. The capital one rep now change the story and says that they had indeed receive my payment but put a XXXX day hold on my account. I have been a capital one customer for over XXXX months and have always paid my balance on time and in full. I have never been late or missed a payment. Now I'm being told my available credit is not available even though my payment has been received. Capital one could not and would not explain to me or give me a good reason as to way my account now have a hold on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: AZ

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
On XX/XX/2021 I was the victim of computer scam. My computer was flashing a red screen with a phone number to call. I called the number and the " Hacker '' told me they were with XXXX During my interaction with the hackers they advised me that I needed to contact my bank and my credit card companies to advise them I needed extra security on my account. So I went ahead and contacted my bank and spoke to a customer service representative and let them know I needed " extra security measures '' on my account. Then in order to get my computer fixed I needed to get a disposable phone that cost me {$XXXX} and then I had to buy XXXX  gift cards from XXXX for {$XXXX each and the go back and buy XXXX more gift cards for {$XXXX} each,. XXXX days after on XX/XX/2021 I was contacted by my bank and was advised that I had been scammed. They also advised me to call all of my credit card companies and to make a police report. So I went and filed a police report about the scam and I disputed charges with my credit cards. XXXX XXXX the credit card company has not been cooperative and is not helping me and has denied my claim. My credit union thought that it was serious enough that they froze my account and wouldn't unfreeze it until I had my computer checked for bugs. I have a receipt invoice from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. The phone number is XXXX. The invoice number is XXXX. The invoice date is XX/XX/2021. The payment due XX/XX/2021. The amount due is XXXX dollars. Items quality price amount labor removed fake XXXX remote access. Cleaned up machine from malware infections. Installed latest XXXX XXXX update, patches, and drivers. Installed malware bytes protection {XXXX}. That's what's stated on the receipt. On XX/XX/2021. I sent them all the information that I have like the police report and the XXXX, and I sent them a copy of the computer removal. I tried to attach files with this complaint but are too large. I have a letter dated XXXX XXXX stating that I would not be responsible for the activity. I have the statement due on XXXX XXXX with credit for the XXXX {XXXX} charges and I have a copy or the payment statement after I got an alert that i was near my credit limit on 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 2021-11-18 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: MS

Complaint narrative:
After carefully reviewing my credit report, I noticed several inquiries that should be removed. The FCRA states that the only permissible purpose for pulling someone's credit report is ; a firm offer of credit, insurance, a court order or employment. I submitted my dispute letter to Transunion on XX/XX/XXXX and due to the pandemic I have allowed substantial time for them to review my request. Transunion has not resolved my issue which is negatively affecting my ability to purchase a home or obtaining new credit. 
The following inquiries are not attached to any open accounts and must be removed immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent everything certified mail as well. 

XXXX is in clear violation of the FCRA law under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : a ) In general- Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

FCRA 15 US Code 1681a- Rules of construction : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE the account above from my consumer report, this agency is in violation of 15 USC 1681a Failure to respond with deletion of the above referenced account, and send out a free copy of my updated report after the changes have been made will result in legal action being taken against your company, for which I will be seeking {$1000.00} per violation for : XXXX. Deformation of Character. 
2. Neglect meant enablement of identity fraud. 
3. Fair debit collection practices act 15 USC falsifying violations 4. Fair credit reporting act 15 US C 1681n violations for Civil liability for willful noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: NAVY FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I have sent debt validation letters and dispute letters on XX/XX/2021 and XX/XX/2021. These letters are regarding to a debt said to be owed to NAVY FCU. The account number is inaccurate between all three bureaus. According to the XXXX XXXX XXXX XXXX, a consumer has the right to dispute this matter. I have even tried disputing this account through XXXX online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am fully aware that XXXX should have looked into this much earlier, but I have been trying to pay down my Citicard account for sometime now and it doesnt seem to go down. I usually look at the balance online, then pay what I can each month. I happened to look at my account and noticed a XXXX fee and a credit protector fee has been being applied each monththe XXXX is almost XXXX per month!! I know for a fact when I opened this card in XXXX I was in college and had little money, but I had it as a backup. I called Citicards today, and they apologized for saying they could reverse a few of the credit protector fees, but that I had to call a different number for XXXX and that they would most likely be able to waive some fees. I called the number, and they said I have been paying on it since XXXX!!! They canceled my account but that was it. I am sure I wouldnt have signed up for anything additional back then, so I am confused how I was auto enrolled. After looking up this company, I see that there have been several people duped over the years by this. I am not expecting a full refund, but I feel they need to do better than just cancel my account. Thats A LOT of money to be forking out over the years, and Ive been a loyal customer since XXXX!. I feel frustrated and taken advantage of. Thank you for your time in looking into this matter, I sincerely appreciate it!

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 2021-11-18 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: FL

Complaint narrative:
I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to Transunion, XXXX and XXXX back in XX/XX/2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.

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 2021-11-18 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: AmeriCollect
State: GA

Complaint narrative:
I have sent debt collection letters and dispute letters to the credit bureaus and the to Americollect. These letters were sent XXXXThe company is reporting inaccurate information on my credit report. The date last active in at least a year apart between all three credit bureaus. According to 15 U.S. Code 1679c a consumer has the right to dispute inaccurate information found on their credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: U.S. BANCORP
State: CA

Complaint narrative:
this is to provide more information to the investiagtors regarding this fraudulent application. I have attached the most recent response from elan financial. They state that I sent in an identity theft victim 's affidavit to them but I never lived at the address they claim this form was sent from. I XXXX  this form and it is a generic form that anyone can send in. It is my understanding that many credit repair companies use this form and is used by many for identity theft. The phone number XXXX is not my number and if it is under my name then someone has opened it fraudulently under my name. I respectfully ask that you review this information and close this fraudulent account. If there is anything else you need to help resolve this, please let me know. I need this account closed out because you are reporting this account with my social and allowing access to my current information to the identity thieves by your continued reporting of this. I do not want more accounts opened using my social.

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 2021-11-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX. I contacted Bank of America to close my credit card account. I spoke with what they told me was appropriate department. I was assured that this would be closed within 24 hours. I also was assured that my XXXX $ credit would be sent back to me after 2 billing cycles. Today I received an e mail that Bank of America has been continuing to bill reoccurring accounts that had been set up even though we had already set these up with a different credit card and they used my {$170.00} credit to pay these accounts and now supposedly I owe them {$30.00} as what they have billed exceeds the credit I had. I discussed with Bank of America today and they simply gave me the runaround and again assured me that the account is closed within 24 hours. Today first I spoke its XXXX and then 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 2021-11-18 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: OH

Complaint narrative:
This is my SECOND time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT ANATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX -DEPT OF ED/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX XXXX OF EDUCATION/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK 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 2021-11-18 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: IL

Complaint narrative:
I just received my credit report sand noticed unauthorized use of my credit report that should not be reporting on my credit profile

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 2021-11-18 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: REGIONS FINANCIAL CORPORATION
State: VA

Complaint narrative:
My husband and I took a home improvement loan to update our back yard. The contractor referred us to the bank for finance of the project. We obtained the loan on XXXX XXXXWe were given a portal where all documents were stored until ready for submission. The Contractor advised on XX/XX/20 that he was going to seek a partial payment and if the bank calls say that the project was completed. I advised ok, but I was awaiting the call from the bank. The bank never called to check if the job was completed. I called the bank and asked about the partial payment they advised me that they had no idea about the specifics of the loan. I later received a bill from XXXX advising that we owe for the project. I called and the bank to advise that the job was never completed and I sent over documents that the advised he was only looking for partial payment the account was put in dispute the bank tried numerous of time for over 6 months to get the contractor to come and finish the job. Per, the bank contract it stated that if the job wasnt completed by XXXX the contract would be terminated or expired. The bank is refusing to rewrite the loan for what we owe or as it has been mentioned to terminate the loan. The bank is refusing to get our money back and practice in good faith. They are now reporting our account delinquent to the credit bureaus. They have documentation that the contractor admitted that he fraudulently withdrew the loan knowing that he had not completed the project. We have an open investigation with the XXXX for the contractor and now we are seeking resolution for XXXX. My husband is XXXX XXXX and this has whole situation has become a true nightmare. XXXX has been rude and uncooperative in mitigating this issue.

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 2021-11-18 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: OH

Complaint narrative:
This is my SECOND time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT ANATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX -DEPT OF EDXXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX  # XXXX -DEPT OF EDUCATION/XXXX # XXXX XXXX OF EDUCATION/XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: OH

Complaint narrative:
This is my SECOND time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT ANATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX  # XXXX -CREDIT FIRST XXXX XXXX # XXXX -DEPT OF ED/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX XXXX OF EDUCATION/XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX BANK 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 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/21 someone tried to transfer {$100.00} from a Wells Fargo checking account in my name ( XXXX ) to open a savings account ( XXXX ) at XXXX XXXX XXXX XXXX XXXX 

I do not have active accounts at either institution.

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 2021-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I have {$0.00} dollars in my Robinhood brokerage and my account can not be accessed because Robinhood insists I provide information that I do not feel comfortable sharing with them. This is even after the XX/XX/XXXX data breach that affected over 7 million customers. I ask for any and all sorts of alternatives and am met with indifference. 

I WILL PROVIDE A FULL DETAILED REPORT AND MORE EVIDENCE IN ATTACHED FILES. They contain another banking institution 's contact profile for me, a blog post by Robinhood Financial and an email conversation with Robinhood.

Company response to consumer: Closed with explanation