vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-04 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: WI

Complaint narrative:
I purchased a Frontier plane ticket using my Frontier Airlines XXXX XXXX on Saturday, XX/XX/2022, from XXXX, WI to XXXX XXXX for XX/XX/2022 - XX/XX/2022 ( Confirmation Number XXXX {$230.00} ). On Sunday, XX/XX/2022, I realized that I booked my plane ticket for the wrong dates. I called Frontier Customer Service and was told since I booked the flight less than 24 hours ago, I could rebook the flight with the correct date using the Confirmation Number XXXX to cover the cost of the flight and not be subject to a change fee. 
After my phone call to Frontier Customer Service, I rebooked my flight for the correct date XX/XX/2022 - XX/XX/2022, using my original Confirmation Number XXXX. After rebooking my flight, I received a new Confirmation Number XXXX & the plane ticket cost me {$200.00}. 
I received my Frontier Airlines XXXX XXXX statement with both airline tickets on my statement. I called Frontier Airlines XXXX XXXX to dispute the first airline ticket ( Confirmation Number XXXX {$230.00} ) since that was the flight I never took. Frontier Airlines XXXX XXXX sent me a letter stating that they finished with the investigation & I just received my Frontier charge card statement stating that my bill is {$200.00} ( the cost of the rebook Frontier plane ticket ). 
Why is Frontier charging me for 2 plane tickets & I only took 1 flight? I paid the {$200.00} for my flight.

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 2022-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My claim XXXX XXXX XXXX BOA= BANK OF AMERICA XXXX XXXX XXXX XXXX MY COMPLAINT AGAINST BANK OF AMERICA I filed a claim regarding a XXXX transfer done on XX/XX/2021 and XX/XX/2021. 


I did not approve the XXXX transfer ; I called to file a claim less than 5 business days as soon as I noticed it. 

I explained to the representative that the BOA bank mobile app would automatically sign in to the BOA app ; I never authorized the app to do that. 

INCIDENT : I explained to the representative that my cell phone does not have a lock and that my XXXX XXXX XXXX son uses my cell phone to watch videos. I explained to the representative that my son leaves my cell phone unattended while we are in the playground, eating, grocery shopping etc. I filed a pollice report. 


I HAVE ALREADY SENT BOA THE DOCUMENTS/ SCREENSHOTS OF THE BOA APP AUTOMATICALLY LOGGING INTO THE APP. THE BANK OF AMERICA APP SAVED MY PASSWORD. ( THE APP HAS THE AUTHORITY TO CHANGE THE PERMISSIONS ON MY CELL PHONE ) THE BOA REPRESENTATIVE SENT ME DOCUMENTS USED TO DENY MY CLAIM. THE DOCUMENTS SHE SENT ME ACTUALLY PROVE MY CELL PHONE MUST HAVE BEEN HACKED, BECAUSE THE IP ADDRESS SHOWN DON'T MAKE SENSE.

EXAMPLE : THE IP ADDRESSES SHOW A CITY AND STATE AND 30 MINUTES LATER THEY SHOW A DIFFERENT CITY AND STATE THAT ARE ABOUT 2 HOURS AWAY FROM EACHOTHER.

THIS DOESN'T MAKE SENSE.

I JUST WANT BOA TO PLEASE GIVE ME BACK MY MONEY.

1. ) I WILL PROVIDE A COPY OF THE POLICE REPORT I FILED REGARDING THE FRAUD 2. ) I WILL ATTACH A SCREENSHOT OF EMAILS I RECEIVED FROM SCAMMERS 3. ) PHISHING EMAILS EXIST 4. ) I WILL PROVIDE A DOCUMENT FROM HOPE OF THE VALLEY ( FAMILY SHELTER ) THAT PROVES I WAS HOMELESS 5. ) MONEY GOT STOLEN/ TRANSFERRED VIA XXXX WITHOUT MY PERMISSION, CONSENT, AND KNOWLEDGE 6. ) DURING THE TIME MY MONEY GOT STOLEN I HAD BEEN APPLYING FOR APARTMENTS ONLINE AND IN PERSON. -- > THE RENTAL APPLICATIONS REQUIRED ME TO PUT IN MY PERSONAL INFORMATION -- -> NAME, CELL, SOCIAL SECURITY ACCOUNT, EMAIL ADDRESS ETC. 
7. ) I WILL PROVIDE A SCREENSHOT FROM MY CELL PHONE STATING A " VULNERABILTY " HAD BEEN DETECTED 8. ) I FILLED TWO POLICE REPORTS ONE OF THEM WAS THROUGH THE IC3 WEBSITE AND THE OTHER WAS THROUGHT THE XXXX XXXX XXXX POLICE DEPARTMENT 9 ) I WILL UPLOAD A PICTURE OF AN AFFADAVIT I WROTE REGARDING MY CELL PHONE BEING UNATTENDED BY ME AND MY CELL PHONE BEINBG LOCKECX

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 2022-07-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XX/XX/XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX ACCT XXXX XXXX, XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DE XXXX Phone : ( XXXX ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IA XXXX XXXX : ( XXXX ) XXXX and Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) 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

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 2022-07-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My XXXX/XXXX XXXX XXXX credit reports have a number of inquiries on them that are fraudulent and were not ordered by me.

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 2022-07-05 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My XXXX XXXX  XXXX credit reports have a number of inquiries on them that are fraudulent and were not ordered by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XX/XX/XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX USD which was transferred fromXX/XX/XXXX XX/XX/XXXX utilizing Coinbase services. 
What would be a fair resolution to this issue? 
Coinbase has to put things into the right perspective for me by reversing the total amount of XXXX XXXX USD paid to scammers as my losses are substantial and I have suffered a great loss because of this fraud, it had affected me personally emotionally, and financially and I am struggling to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: FL

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: FL

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022, Capital One responded to my initial dispute of error to be able to open a Checking account for Account Ending in XXXX ; Capital One Case Number : XXXX CFPB Complaint ID : XXXX. 

ATTN : Capital One Financial Corporation Legal Department RE :XX/XX/XXXX Account # XXXX This letter is to serve *CAPITAL ONE AND XX/XX/XXXX XX/XX/XXXX* an official notice of a dispute for the amount of {$2100.00}. The owner of the above-referenced account, as defined by 12 CFR 1002.2, is a federally protected consumer. I am aware that there have been credits issued to my person but have not been properly reflected, issued, or disclosed to me through permissible means. To resolve this dispute, I am demanding you provide me with FULL, ORIGINAL, and/or UNALTERED documentation that specifies credits, tax liabilities, discharge of debt, bonds, and or securities as they are applicable to this account. 

Please be advised, pursuant to 12 CFR 1026.13, this constitutes as a billing error notice. 

** Current closed account as negative and closed when no thorough investigation or settlement was open upon. 

** A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority **A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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. 

The information being reported is inaccurate and currently being paid. Please see attachment.

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 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted the company multiple times asking them to delete to verify a bankrutcy which they said it was verified through XXXX XXXX and or the court house I have sent a letter from the court and XXXX XXXX stating that it was deleted or was not verified, and the company still refuse to deleted the bankrutcy after i sent the letters stating the coudnt verify 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 non-monetary relief
Consumer complaint received 2022-07-05 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: IL

Complaint narrative:
I have contacted the company multiple times asking them to delete to verify a bankrutcy which they said it was verified through XXXX XXXX and or the court house I have sent a letter from the court and XXXX XXXX stating that it was deleted or was not verified, and the company still refuse to deleted the bankrutcy after i sent the letters stating the coudnt verify 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 2022-07-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DE XXXX Phone : ( XXXX ) XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IA XXXX XXXX : ( XXXX ) XXXX and Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) 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

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 2022-07-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Phone : ( XXXX ) XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IA XXXX XXXX : ( XXXX ) XXXX and Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Referred to foreclosure during a pandemic, I have stayed within the requisite to keep my interpretation in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I purchased a vehicle XXXX from XXXX XXXX in XXXX Texas banking institution who withdrawals for the loan is TD Auto Finance. VIN : XXXX ***THE ENGINE IS NOT WORKING*** This is after I had the problem worked on three times with XXXX XXXX and they rapped electrical tape around a few wires and charged me XXXX XXXX and something bucks with no actual repair. The vehicle what it has done and kept doing is shutting down on me when I'm driving down the highway to where I got to pullover real quick to the shoulder which is an urgent matter. It could cause an accident since it was properly fixed by XXXX XXXX of XXXX. XXXX XXXX has a personal problem with me and won't buy my truck back so I can go out and purchase another one which I tries on Saturday but truck vehicle popped up on my credit information and that dealer denied me a loan for the a new car. This truck has been setting in the back of my families property after I took it to XXXX XXXX XXXX and they didn't want to fix it either. TD Auto Finance I contacted them several times for a STOP payment request, XXXX XXXX, XXXX XXXX, and still TD Auto Finance kept sending me payment request to collect even after the truck still don't run. I have a photo of the truck and what I would like is it to be repossessed and or my credit repaired to normal so I can purchase a new vehicle. This is bs! Maybe perhaps a small amount back on the truck to put down for another loan on a new vehicle? XXXX XXXX has a bad reputation of scamming people and this is a scam rumors have it that a mechanic inside their shop tapper with my XXXX XXXX XXXX engine to cause it to malfunction like it did! I would NEVER purchase from XXXX XXXX ever again and the management there just laughs at my face and are very unprofessional. These people at XXXX XXXX don't ever need to report anything to my family on a subject like this when I'm XXXX years of age. What does that have to do with fixing my engine and or giving me my money back to go find me another vehicle. I need help, I want this truck out of my life and my credit repaired then a few thousand back to go purchase a new car? Please contact me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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:
Hello, I have received a copy of my credit report with the intentions of trying to improve my credit report multiple times and take care of myself and my child due to being homeless. I noticed a few accounts that i wanted a little more information on and did not recognize. I am not saying they are reporting right or wrong. I am just saying that i am not 100 % sure if they are. I also read the Fair Credit Reporting Act where it said by law I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to yall. 

Are you familiar with something called 15 U.S.C. 161i ( a )? I read that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 % right and correct. I also saw on the credit site and board where this lawyer said you have 30 days to complete this investigation.

I AM NOT SURE WHY THE CREDIT BUERAUS CAN NOT PROVIDE ANY PROOF OF THE ACCURACIES OF THESE ACCOUNTS BUT WONT DELETE THEM!! THEY ARE NOT CORRECTLY DOING THEIR JOB. 
THE ACCOUNT NAMES ARE AS FOLLOWS. 

1 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX XXXX XXXX BALANCE:XXXX  AND WAS UPDATED AS ACCURATE ON XXXX. THIS BALANCE WAS DISPUTED SEVERAL TIMES. 

2 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX.BALANCE:XXXX  AND WAS UPDATED AS ACCURATE ON XXXX XXXXTHIS BALANCE HAS BEEN DISPUTED SEVERAL TIMES. AS I DISPUTED THIS THE BALANCE DECREASED FROM OVER XXXX YET THEY WONT DELETE IT. 

3 ) '' XXXX XXXX XXXX  '' - ORIGINAL CREDITOR WAS ESURANCE AN XXXX XXXX BALANCE WAS XXXX $ .THE BALANCE WAS UPDATED AS ACCURATE ON XXXX XXXX. 

PLEASE HELP ME THIS IS NOT FAIR!! 

In accordance with the " Fair Credit Reporting Act XXXX Account numbers XXXX, has violated my rights. 

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX THE FOLLOWING ACCOUNTS ; 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX  have 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.

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 2022-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Resurgent bought an alleged debt fromXX/XX/XXXXXXXX performing aggravated identity theft and is trying to collect from me by extortionate means

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
Previous complaint filed against this company. Received new email from different email address today for same debt not ours. Refer to oiginal complaint # XXXX.

Company response to consumer: Closed with explanation