vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-12 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: WA

Complaint narrative:
On XX/XX/2021 I noticed on my Personal Checking Acct a Payment to Capitol One in an Amt of Money that I knew wasn't mine, Called XXXX XXXX and they urged me to contact Capital One, Which I did, Capitol One couldn't tell me anything regarding these charges and could only locate me by the Card Accts that I held with them, they could only verify that I did not have any of this kind of activity with any of my Cards with them ( Which I already knew ) they couldn't or wouldn't? pull up anything as to why they were withdrawing this money, XX/XX/XXXX, fraud dept at my XXXX XXXX was finally able to find a name associated with this Capital One Acct and it was not mine ( to the tune of XXXX ) had been fraudulently taken from my Personal Acct, Contacted Capital One as to HOW??? this could even happen?? I was told by them ; all someone has to do? or Need? is a routing number and checking Acct number, they do NOT verify that they do match, they only have to attest that it does by clicking a simple box. Went forward with Fraud charges against this person ( whom was known to me ) when the Deputy and Me were on a XXXX way call with Capital One, they refused to even try and pull up info on this person that was Stealing my money, even tho bank had already confirmed the Legal Name, all the detective wanted was to get a date of when the criminal had opened the Capitol One Acct. I am still waiting for Capitol One to refund my money back to me even tho we have taken every legal step, it's apparent that if your a criminal that you have more rights and protection than any of us, when Capitol One excepted these payments? they didn't even have the consideration to attach any sort of Acct number, which means??? We had absolutely no chance, cause all they would do is say " if you don't have the Capitol One Acct number '' we can't help you! Why do they refuse to attach an acct number to these payments?? This is deplorable and avoidable in so many ways!! I'm not rich and I go to work every day and work hard for what I have, and for what reason??? when criminals can easily do what they do and be protected, Good thing I wasn't raised like that and I have Morals, cause I might think of doing the same and steal money with XXXX consequences ( did I mention? criminals have protection? ) disgusting!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: NJ

Complaint narrative:
My credit report shows a credit card from XXXX XXXX XXXX beginning in XXXX of XXXX. I wrote letters to XXXX XXXX and the XXXX credit reporting agencies requesting proof of where the debt came from for the past 5 months.

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 2021-12-12 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: NJ

Complaint narrative:
My credit report shows a credit card from XXXX XXXX XXXX beginning in XXXX of XXXX. I wrote letters to XXXX XXXX and the XXXX credit reporting agencies requesting proof of where the debt came from for the past 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: NJ

Complaint narrative:
My credit report shows a credit card from XXXX XXXX XXXX beginning in XXXX of XXXX. I wrote letters to XXXX XXXX and the XXXX credit reporting agencies requesting proof of where the debt came from for the past 5 months.

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 2021-12-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I started working with the Wells Fargo private mortgage broker on XX/XX/2021 to refinance my property leveraging the low-interest rates. The broker was very kind in working through different scenarios to show the product options available to me in my location ( TX ). After all the due diligence with Wells Fargo and other institutions, I decided to select the 10/6 ARM@ 2.625 % interest rate offered on the written product quotation from Wells Fargo on XX/XX/2021. Upon confirmation that I selected this option the same day, the private mortgage broker instructed me to go fill out the application through the online portal. I completed the application the same day ( where I also selected the 10/6 ARM on the online portal after entering all my information and authorizing a hard credit pull ). On XX/XX/2021, I was notified that Wells Fargo does not offer Adjustable Rate Mortgages in Texas, and I needed to select a Fixed Rate option ( which were all quoted at a higher interest rate ). The comparable fixed-rate mortgage option quoted to me is a 3.000 % interest rate, which is a 0.375 % increase over the original option I had selected. Not only did the mortgage broker offer me the adjustable rate mortgage, but I also applied online through the Wells Fargo portal and also selected the 10/6 ARM at that time. There was never an error or message stating this product was not available in Texas. 

The product offerings over the XXXX weeks of quotations were completely misrepresented from Wells Fargo and has now left me in a position where I can no longer a competitive rate in the market. I have also spent XXXX week getting passed around to different representatives who basically act as if they have no information of the issue. It is like starting from square one with each conversation. Time is of the essence, and I am not getting any resolution. This is an issue in Wells Fargos system. They have professionals dedicated to knowing the legal restrictions in different locations. No one restricted this prior to me locking in the 10/6 ARM at 2.625 %. The website even let me select the 10/6 ARM after I entered my address ( specifying Texas ) and authorizing a hard credit pull. This is a Wells Fargo mistake and they need to honor the 2.625 % interest rate they committed to 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 2021-12-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi there. 
So I've been waiting for my XXXX money for over a year now and come to find out someone received my car somehow got all my information and was able to collect my cash each pay period and instantly go to a bank and cash it out. Me and my family have been broke waiting for this card to come while someone out there was spending it this whole time while we suffer. And I can't get bank of America to help refund any of my money nor will they help because to them I'm technically not a customer. Me and my family need this money and I only found out because I got a letter saying my information has been stolen from another company that I use. 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 2021-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One bank allowed {$7000.00} from my account for a check that has no resemblance if my signature .I never wrote the check. They have absolutely no excuse for accepting such an obviously fraudulent check. Even after being so careless, they wouldn't even agree to give me temporary reimbursement till they finish they're over extended investigation. In addition to that they make in virtually impossible to speak to anyone or complain about it, by not giving any serious means of contacting them, for the one number they provide never has anyone picking up the phone, leaving you hanging for hours. I Don't think a bank should handle other peoples money like this, especially when it was completely they're fault. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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 — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
Dear, I had two accounts with XXXX annually paid {$110.00} couldnt cancel expired on XX/XX/XXXX and monthly {$39.00} was canceled on XX/XX/XXXX after infecting with XXXX, both subscription under XXXX the monthly {$39.00} originally charged with Discover card ending XXXX after getting infected with XXXX my card was hacked and changed ending XXXX same discover card i call the number XXXX and canceled but my card was hacked again and it changed to XXXX but at time XXXX  didnt have the new number only XXXX after Cancelation It seems discover credit card had policy to pay recurring charges and they thought it was recurring and still was paying It till XX/XX/XXXX and i was in fight with my life because of XXXX until i called Discove again and disputed the charges after calling XXXX still has the old card on file XXXX on XX/XX/XXXX, they credit me all charges but today i was charged 6 charges on XX/XX/XXXX because XXXX only they can go up to 3 months to credit me and still have the annual account but is not renewing again I really believe XXXX never had the card ending on XXXX, they couldnt cancel It and my daughter and never Received an email from them and she is XXXX helping XXXX patient at XXXX nor I XXXX and we thought it was cancel it. I think it fare to refund my monthly from XX/XX/XXXX to XX/XX/XXXX because it was canceled by calling them XXXX and he never did and we never logged in to both accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Over a month ago, I exited the COVID-19 forbearances for my loans into COVID-19 Payment deferral arrangements. I then asked to have the repayment of the escrow shortages from COVID-19 forbearance spread out over 5 years ( 60 months ) given this can be done. This is not yet done.

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 2021-12-12 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: MA

Complaint narrative:
I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX and Transunion reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and Transunion credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$770.00}

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 non-monetary relief
Consumer complaint received 2021-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I, XXXX XXXX, received a statement from American Express stating that XXXX XXXX owes a past debt of {$1700.00} and a new debt worth {$450.00} which as the original creditor, I do not validate and deem this inaccurate. American Express is in violation of 15 USC 1692 B ( 2 ) - Acquisition of location Information stating that I, XXXX XXXX, the original creditor owes a debt. This alleged debt also includes an interest charge which is in violation of 15 USC 1605 A ( 1 ). American Express is also is false representing the total amount which is violating 15 USC 1692 E ( 2 ) - False or Misleading Representation by saying I owe a past debt of {$1700.00} and a new debt worth {$450.00}. American Express is harassing me and impacted my XXXX XXXX XXXX XXXX XXXX Claiming that I owe a debt to this is very offensive and American Express is violating 15 USC 1692d ( 2 ) - harassment or abuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12 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: DISCOVER BANK
State: NC

Complaint narrative:
Hey so I started with this company and they made me provide proof to get a SECURED cc. I gave a XXXX $ deposit. All of a sudden they started requesting proof of identity. Which I provided when I got the card for this secured card. My first problem was a charge from XXXX XXXX. They promised a credit and never followed through. I provided screenshots with names etc and Discover reversed the charge with the information provided. Which caused me to be over the limit. I continued to pay the bill. Then the last straw was stiffing me for my security deposit right as I was approaching my XXXX months. I would like my money refunded. I no longer care about having the card as it is now closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-12 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$34.00} Inquiries not tied up to positive accounts : XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : CREDITOR : XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was charged an overdraft fee on a checking account which I setup not to accept charges when money was not there. The XXXX bank funded XXXX charges it should not have them accepted a third and then decided to charge me an overdraft fee. XXXX of the charges were not supposed to have happened and I still got charged the XXXX fee. I was the fees returned to me and the stupid account setup to reject any transactions which could cause it to become overdrawn.

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 2021-12-12 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: MA

Complaint narrative:
I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$4100.00}

Company response to consumer: Closed with explanation