vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: ID

Complaint narrative:
On XX/XX/XXXX I filed a fraud claim through XXXX XXXX XXXX XXXXn person letting them know that someone used their XXXX # to contact me and trick me into believing that he was a representative from the XXXX XXXX XXXX  First, I was contacted via text about a fraud attempt, asking if I'd attempted a {$3500.00} Zelle transfer. After responding " No '' I received a call from someone who spoofed the XXXX # on the back of my debit card. 

I was guided through a process which led me to transfer money via Zelle to an unknown XXXX XXXX account. XXXX XXXXXXXX XXXX advised that the investigation could take up to 10 business days. 

On XXXX XXXX I filed a police report ( XXXX XXXX XXXX XXXX Police XXXX Report # XXXX ). As of XX/XX/XXXX, it had been 10 business days and the bank informed me that their fraud investigation team came up with nothing and closed my case. They were waiting for Zelle to get back to them. {$3500.00} ( in two transactions ) was taken from my savings account on XX/XX/XXXX. I have texts confirming the transfer of the Zelle money and a case number which has been dropped by XXXX XXXX XXXX. 

On XX/XX/XXXX, the bank informed me that they are unable to recover the money. 

On XX/XX/XXXX, I received a call from Agent XXXX from XXXX XXXX ( XXXX Ext XXXX, Claim # XXXX ) officially advising that XXXX XXXX XXXX is unable to help me recover my {$3500.00}. 
I am disabled and having anxiety attacks due to this horrific situation, struggling to pay my bills and have no one else to turn to. 

Your help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: AZ

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

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 2022-01-20 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: AZ

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

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 2022-01-20 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: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am a 100 % XXXX veteran and I recently moved from XXXX to XXXX. I bought a car in XXXX before I left and paid off my vehicle loan with JP Morgan Chase XX/XX/2021. I am trying to sell the car because I don't need it anymore but JPMC has not released the electronic lien and it has been five months. I contacted them about the situation and they were less than helpful. They said they would mail a lien release to the XXXX XXXX tax office in XXXX but, when I spoke to the tag office today I was told that because it was an electronic lien they could not use a a lien release letter and that JPMC is the only ones that can do that. So, JPMC is holding my title hostage. Granted I paid the loan off early but, there is no reason for them to not release the lien. They will not answer my telephone call. 

Contact information for JPMCB Auto Finance XXXX XXXX XXXX Mail XXXX LA XXXX XXXX, LA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have three Capitol One Credit cards. 2 personal and 1 business. I try and pay my cards off in full every month but with the holidays it took an extra cycle. I paid off the two personal cards. 

XX/XX/2020 tI paid my credit card off in full {$360.00} and on the XXXX of XXXX, I was charged interest on purchases made of {$6.00}. I just got off the phone with the supervisor and she told me that I am charged interest on purchases until the end of the billing cycle. Even though I paid my credit card balance in full on the XXXX my billing cycle does not end until the XXXX for those 4 days I was charged as if there was still a balance due. 

My business account I paid in full on the XXXX of XXXX {$930.00} and on the XXXX I was hit with an interest charge on purchases for {$20.00} I asked the supervisor how this is legal. I thought when you paid in full, your statement closes on that day. XX/XX/XXXX my balance on all three cards were paid in, full. That should have closed the statements. She said not with Capitol One. She then said its on your statement. I said I don't get statements I do online banking. She said well you can go to your statements online and see. I told her that viewing statements online is impossible this is a complaint I have made prior and as of today this is still not fixed. She said " well when you get your statement you will see on the far left bottom Capitol Ones policies for interest accrued. Again I asked how is it legal to charge someone 4 days after they paid in full the balance?? I said if all interest in accrued daily then on the XXXX I paid the interest up to that day It should not matter that the statement billing cycle had another 4 days to go I paid that should have stopped all charges. 

This again is not how Capitol One works. This cant be right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21 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: UT

Complaint narrative:
Experian refuses to fix reporting on XXXX auto leases {$14000.00} & {$13000.00}. They sent an email XX/XX/XXXX stating that they verified the accounts and the name of who they verified it with at the Dealership. ( the person they listed has not worked there for over 5 years! Attachments with this complaint ) this was verified to me by the dealership on XX/XX/XXXX, as well as they also verified that Experian has yet to contact them about said dispute... These are BLATENT VIOLATIONS of the Fair Credit Reporting Act and I want if fixed or deleted immediately. The lease was current every month and then they ( Experian ) stopped reporting in XXXX of XXXX and listed it as a XXXX for no apparent reason??!! XXXX kept reporting as current. When I contacted Dealership back in XXXX, they said to dispute with Experian and in turn Experian would contact them and then they would let Experian know they are reporting correctly and Experian is the one who is making the mistake. Experian has never contacted them per many phone calls and emails with my creditor!!! Experian is required by federal law to verify THROUGH PHYSICAL VERIFICATION of the original signed consumer contract, any and all accounts they post on a credit report as well as have " said original signed consumer contract on file ''. Failure to positively verify these accounts has hurt my ability to obtain credit. Experian DID NOT VERIFY and FALSLEY CLAIMED THEY DID WITH AN EMPLOYEE THAT HASN'T WORKED THERE IN YEARS AND MUST REMOVE FROM OMY REPORT! THEY HAVE ALREADY REMOVED THESE 2 ITEMS FROM MY WIFE 'S CREDIT REPORT FOR THE SAME DISPUTE REASON WITH THE CFPB AND THEY ARE JOINT ACCOUNTS WITH THE AUTO LENDER!

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 2022-01-20 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
They broke the law as per fdcpa is intended to secure my right to privacy i did not give them written consent to report on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I recieved an email at XXXX that my account was overdrawn by an {$8.00} and change XXXX. Given that I work next door to my PNC branch, I walked over and at XXXX attempted to deposit the amount. The account was over {$50.00} overdrawn with fees. The teller refused to assist with the charges, despite my immediate response- telling me that she as a branch employee did not have the authority to assist with these issues. I was unable to reach a representative over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: SC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: SC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
The XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
This happened in XXXX of XXXX. 

So I signed a lease at XXXX on XXXX in XXXX XXXX. Before I put any deposit money down, or any rent of any kind, my financial situation changed because of COVID-19 and I informed them I was no longer able to afford to pay rent. They told me I had to pay to get out of my lease and find someone to take over my lease ( which hadn't even be legally started ) I hadn't put any money down and couldn't afford to pay their fee. I contacted them and they told me " tough luck ''. I didn't pay and didn't move in. I started to get aggressive phone calls and emails about how I needed to pay a sizeable amount of money or otherwise I would be evicted ( once again, I never moved it, never put a deposit down, and also they legally couldn't evict me even if they wanted to because of a COVID-19 eviction moratorium in place ). They sent me a notice through e-mail saying I had been evicted and to return any keys ( didn't have any keys as I never moved in ). Then they got a collector to try to collect {$10000.00} from me. The collectors called me repeatedly and when I finally picked up the phone and explained the situation to them, they laughed at me on the phone and said " good luck with trying to get out of it '' even though I had never moved, never put down any kind of payment, and now I was being demeaned by a collector. The collector has been adding more money to what I owe them on my credit report and they're trying to scam me for a debt I legally do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: Consolidated Information Services Solutions, LLC
State: TX

Complaint narrative:
I was alerted by my credit card company that there was a new pull on my credit. by a Universal Credit Services. I did not authorize this pull and would like to have it removed from my credit report. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Have inquiries that I am not aware of on my report. I have called XXXX customer service to have them removed and they have not helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
The Credit Bureau is reporting inaccurate information on CAPITAL ONE. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This account XXXX inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I noticed inquires that I have not authorized on my credit report and I would like for them to remove 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 explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclay 's Bank says that I have an outstanding bill for {$620.00} on a Jet Blue Plus credit card that I never signed for, authorized, used or owned. 

I have contacted them several times to explain that the charged amounts were not authorized. The last time I called, I was told that they no longer have my account and it was turned over to a credit collection agency. 

These are examples of the charges that they say I have incurred : XX/XX/XXXX Standard purchases {$680.00} XX/XX/XXXX Total fees charged in XXXX {$280.00} XX/XX/XXXX Late payment fee {$29.00} XX/XX/XXXX Late payment fee {$40.00} XX/XX/XXXX Late payment fee {$40.00} XX/XX/XXXX Total interest charges XXXX {$33.00} I am XXXX XXXX XXXX and have never had a credit problem. I am finding this situation very difficult to deal with. 

I truly appreciate any help you can provide. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP
State: NY

Complaint narrative:
Someone stole a Federal Student Loan check in the amount of {$9800.00} issued to me by XXXX XXXX XXXX XXXX ( XXXX, NY, partner bank Key Bank ) and was able to open a fraudulent account at XXXX XXXX XXXX with only my name as it appeared on the check and then cashed the check on XX/XX/XXXX. No verification was done. XXXX  XXXX XXXX denied a claimed filed by the issuing bank ( Key Bank ) claiming that the check was " deposited into an account with my name '' no other biographical information was associated with me. Another department of XXXX XXXX XXXX confirmed that the account was not mine and sent me a statement confirming that I did not have an active account since XXXX. I have contacted the Fraud Department of Key Bank to no avail. Now no one wants to accept responsibility for their negligence. How do you open an account with just someone's name? and how are you able to cash their check with no verification?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent outsourcing attempting to collect on a XXXX XXXX account that doesn't exist. They harass me and report the account on my credit, when I call XXXX XXXX no account or withstanding balances exist.

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 2022-01-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$68.00}

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 explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: NY

Complaint narrative:
They broke the law as per fdcpa is intended to secure my right to privacy i did not give them written consent to report on my behalf.

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 2022-01-20 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: NY

Complaint narrative:
They broke the law as per fdcpa is intended to secure my right to privacy i did not give them written consent to report on my behalf.

Company response to consumer: Closed with explanation