vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/2022 I traveled to XXXX, TN. I met up with a group of friends and we went for brunch at XXXX on XXXX XXXX. When the bill came we split the bill and it came out to {$42.00} dollars a person. I initially was going to pay with my Barclays Jet Blue Credit Card but then decided to pay with cash instead. I got up and walked to the waiter and told him that I will instead pay with cash. He said he will be right over to bring me back my credit card, which few minutes later he did. I left the cash and so did most of my friends on the table with the bill and we left. I never signed or authorized any amount on my credit card. 

When it was time for me to pay my monthly credit card bill, I noticed an amount of {$270.00} on my credit card from the same restaurant. I immediately called the restaurant to speak to the manager regarding a fraudulent charge billed too my credit card by the restaurant. I was advised that the manager will call me back. I have called four times and left messages for the manager to call, which he never did. I believe the waiter used my card to charge someone else 's bill because even our bill wasn't that much, our bill came out to total between my friends and I was {$180.00} dollars. I called the Barclays Bank to dispute the charge and advise them that as per my disclosure agreement with them, I am protected from any and all unauthorized or fraudulent charges and that the charge billed by the restaurant is fraudulent and was never authorized or signed by me. They refused to accommodate me and protect me as a consumer and advised me that there's nothing they can do to reverse the charge. I then asked them to show me what proof did the restaurant provided to show that I authorized the charge and they simply said they cant share that information with me. I plead for your help in try to resolve this issue and look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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:
I've came to aware someone has been using my identity there are alot of false charges that i need to take action of ASAP starting off went identity theft, information in my report has been used against me, furnishing and reporting old information, Mixing files, connecting me to accounts and addresses that i don't eve know, incorrect information, unverifiable information, incomplete information there are XXXX address there are not linked to me in my report XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 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: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX ;. Account name : XXXX XXXX XXXX XXXX # XXXX ; Account name : 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 writing instructions. 

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than record of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a savings account at Bank of America in XXXX. Upon account opening, I was told that I'm in a tier where wire transfers have no fees. In XXXX, Bank of America downgraded my service tier during the pandemic without notifying me. In XX/XX/XXXX, I had a wire transfer in and bank of america changed me wire transfer fees. I later transferred the wire to another bank for a medical emergency and kept XXXX at BoA XXXX. However, due to the fees associated with the transfers, my balance was below their required minimum of XXXX. So Bank of America started to charge me XXXX dollar monthly fees, starting from XX/XX/XXXX to XX/XX/XXXX, in total XXXX dolloars, without sending me any notice or reminder.

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 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
In XXXX I received notification that a new account was added to my credit report. Upon reviewing the account, I quickly noticed it was not my account. I disputed it with a credit bureau and later received documentation of the account. Someone in far XXXX XXXX opened an electric account in my name on XX/XX/2022 and used it until XX/XX/2022. This created an amount due of {$1600.00} that was added to my credit profile. I have never done business with this company or used their service. I had never heard of the town this occurred in until this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal Credit Union 2 hard inquiries for an auto loan that I never consent too

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. 

XXXX. XXXX - XX/XX/20 XXXX This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with removal of this fraudulent 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 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was scammed out of {$6400.00}. I made a check addressed to XXXX XXXX XXXX in that amount to pay a credit card debt. The check was drawn on my checking account in Capital One. I mailed the check from my local post office at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX The check was intercepted, and the name was changed to XXXX XXXX. The check was cashed in XXXX XXXX XXXX. I mailed the check on XX/XX/XXXX, and it was intercepted and cashed on XX/XX/XXXX. I complained to Capital One bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke to the manager, XXXX XXXX. I complained to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I complained to the police in my local precinct, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Two detectives were assigned to my case- XXXX XXXX and XXXX XXXX XXXX I have not heard anything from any of these parties, and I am out that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MA

Complaint narrative:
Sallie Mae knowingly approved my student loans ( now totaling more than {$210000.00} ) between XXXX and XXXX for a school and degree that would not warrant that amount. I was too young at the time and had parents that were uninformed of the financial risks associated with these loans and interest rates. Instead of pointing me to other forms of education assistance, they simply approved enormous loans to a young, first-generation student. 

Today, those loans are in deferment because I needed to drop out of that school ( XXXX XXXX  ) for lack of funding. Now, those loans are a huge determent to any financial moves I can make alongside my wife ; I understand I knowingly agreed to those terms as an XXXX. old, but they must understand that I was too young to accept to $ XXXX, $ XXXX amount loans! 

Now these loans are still separate, totaling around {$210000.00}, which means they will charge me monthly payments for each individual loan ( XXXX loans of about $ XXXX to {$60.00} each! ). These amounts, even after I finish my degree and with a working spouse, will never allow any type of financial freedom. Refinancing with other institutions has been impossible as each I've reached out will not touch such large loans. 

In summary, Sallie Mae approved lucrative loan amounts, and then didn't even allow me to finish the degree for lack of funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
On XX/XX/2022 the Wells Fargo ATM at XXXX XXXX XXXX XXXX, XXXX, XXXX kept my card. I had a new ATM card sent to me via XXXX. The issue is the card was sent signature required. I work so no one was home to sign. I asked to have a XXXX card sent to my work address - the XXXX card was not sent to my work address it was sent to my home address. Same issue as the XXXX card. So I had a XXXX card sent out via regular XXXX mail. I received the XXXX card on XX/XX/2022. In this time I had issues with several auto pay accounts and other issues. My pay check is direct deposit so all of my money was tied up in the account. I did have the XXXXXXXX XXXX  but most places do not take XXXX XXXX and most of my auto pay accounts do not take account numbers or XXXX XXXX. I was hung up on by Wells Fargo customer service agents and other issues with the customer service agents at Wells Fargo. I have sent a letter to Wells Fargo with very little response from them. I have contacted an attorney regarding 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 explanation
Consumer complaint received 2023-01-11 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several accounts still reporting on my credit file that doesnt suppose to be there. I disputed prior and didnt receive information I requested. I would like the followed accounts disputed and removed immediately. After disputing please send me the source and the method of verification showing the date and time the account was verified. Also include contact information on the source of verification for the following accounts : XXXX account was suppose to removed XXXX agreed that this account would be removed due to it being inaccurate XXXX XXXX inaccurate account, account was suppose to be removed last year for inaccuracies XXXX XXXX - there were unauthorized charges in this account and XXXX was aware of it and a police report was sent. All of this happened prior to XXXX buying this account in XXXX. XXXX never verified that they owned this account either. Please remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 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: TN

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act Convergent Account # XXXX, Account name 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 2023-01-11 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: TN

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account name 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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 — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I settled the account in XX/XX/XXXX. They told me verbally that they will closed and delete account in credit report. 

XXXX Santander told me they wont be able to delete the account, however it was going to be deleted XX/XX/XXXX XXXX Santander reported my account that was still not paid. 

XXXX Santander told me that my account will be deleted XX/XX/XXXX XXXX Santander reported my account inaccurate and now they are telling me that it will be removed on XX/XX/XXXX. 

Santander Consumer USA acct # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Everything has been disputed through XXXX XXXX, experian and verbally. I am very confused and would like this deleted from my credit report, which is affecting my credit score and my options of moving forward with my personal life. 

Thank you for your support and understanding, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XX/XX/XXXX XXXX I ordered from company XXXX XXXX website XXXX XXXX XXXX XXXX some reloading stuff, I payed via PayPal {$230.00} , I got email confirmation that my order will be delivered soon, then guys just disappeared, contact phone number shown on their website is not working, they don't reply to emails, chat service on their website is not working. I would like to get my money back, please assist if it is possible or please advise what should I do. 
I try to get refund via PayPal but had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
I XXXX XXXX, a federally protected consumer giving written notice pursuant to 15 USC 1692g ( b ), give notice that.

1. The Consumer request verification of the debt.

2. The Consumer request validation of the debt, to wit, the chain of title to the debt and a history of changes and payments thereon.

3. The debt, or a portion thereof, is disputed.

4. The Consumer requests the name and address of the original creditor. 

ACCOUNT INFORMATION FOUND ON CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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. The list of accounts below has violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX  15 U.S.C 1681c. section 602 A. States I have the right to privacy.

15 U.S.C 168 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: Dovenmuehle Mortgage, Inc.
State: MN

Complaint narrative:
Im in the process of trying to XXXX  with a different lender, I noticed my Credit Score decrease by XXXX points, when I looked there was a late charge in XXXX on my credit- I had a grace period to get my payment in which I paid by and they still reported me to the Credit Bureau XXXX This is very irresponsible- I reached out and and asked a rep to send copy to my explanation this was a error on there part, after she did verify the payment was made by the Grace period and they had to remove the late fee. They failed to update my credit report which have caused my credit to fall drastically. Im very disappointed on everything I have been through with this Company and the very reason Im trying to find a different lender to service my Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Portfolio is in direct violation of 15 USC 1692 ( d ) ( 4 ) : The advertisement for sale of any debt to coerce payment of the debt.

According to the FDCA, this is a direct violation of my rights and I am entitled to collect damages, minimum {$1000.00} for every violation that PRA has committed against me. 
XXXX XXXX  has equally violated my rights specifically as it relates to the aforementioned law code. 
I request that the alleged PRA account ending in XXXX is immediately removed from my credit report. Should a PRA representative choose to deny this request, you hereby understand and agree that PRA is liable for the damages that have occurred due to any and all violations committed by PRA which shall be restored with monetary relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX sent me to collections without reaching out to us first or letting us know of our balance. I found out about these collection when I applied for a mortgage. On XX/XX/XXXX I talked to the collection agency and before making a payment I told them the situation and asked if it could get removed the person I talked to said yes we can help you with that. But as soon as I made the payments they now say otherwise. I do know the phone calls were recorded. And I talked to XXXX as well due to the fact that I just did a renewal with them on XX/XX/2022 and paid {$540.00} and they still didn't tell me I had a balance on my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation