vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One - XXXX  and XXXX XXXX credit card I have checking, savings ( XXXX savings accounts ), and credit cards with capital one - I have been with Capital One checking savings for XXXX years. I liked the convenience of having everything under Capital One 's roof. 

I received a 0 % balance transfer from Savor - my XXXX credit card had a XXXX balance. I transferred XXXX to the XXXX card ( my credit limit is XXXX ) in late XXXX XXXX ( XXXX percent interest rate for XXXX year ). The XXXX credit card had not been used in a while ( XXXX balance on this card ) - I forgot that I had paid off the balance in full, which draws from my capital one checking account. I did not have enough in my checking account to cover the balance- it was rectified the next day. I received 2 letters in the mail stating that my XXXX and XXXX XXXX credit card activity is not consistent with our expectations of usage and violates the Capital One customer agreement. My XXXX XXXX had a {$290.00} balance with an automatic payment set-up. I have never missed a payment and have since paid this credit card off entirely. 

I called Capital One - the first person I spoke with told me I was charged with first-person fraud ; I had never heard of this and asked them to explain, which they could not. I had to XXXX it. The second person I spoke with stated it WAS NOT first-person fraud- it was company policy, and it was in my best interest to pay it off in full. The third person I spoke with could not tell me anything at all- they stated it was just company policy and they couldn't do anything about it. To recap, no payment is due on the XXXX account ; the transfer is less than 60 days old. 

I then went to Capital One Fraud Department, who told me they were just being honest with me - that Capital One had charged me with first-person fraud, it would impact my credit score, and it was in my best interest to pay it off. 

I have no recourse - no ability to dispute this charge, there is no one left at Capital One to discuss this with, and my XXXX and XXXX XXXX accounts were closed. I am now nervous about what power this company has over my banking/savings accounts. I will be moving to another provider and learned lessons about putting everything under one banking company. 

Is there any assistance or advice? I have good credit, make on-time payments, and have over a decade 's worth of Capital One data/history with this company. I am so confused about how I am charged with first-person fraud. 

Capital One has taken my credit cards and my credit score hostage and has told me that it is in my best interest to pay this off ASAP. Once again - I just transferred this late XX/XX/2023, and it is XX/XX/2023. This can not be legal, and I need to understand my rights. 

Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There is a Bank of America credit card ( closed ) showing up on my credit report which is not my account. This account belongs to someone else and it shows be removed from my credit file.

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 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I ordered one thing and received something totally different, have the pictures to prove it I submitted my claim with Bank of America with who I currently bank with, immediately after submitting my claim I received an email for documents to be sent I sent them and have not heard nothing since then, Ive reached out numerous of times and i get the same thing they are still processing it, at first I was told it takes 30-45 days for the claim to be resolved then I was told it was 45-90 days cant be both, its been 46 days, just keep getting the runaround from them and Im tired of it.. they are holding my {$200.00} XXXX,, I just want my money back.. shouldnt take this long to resolve it when they have the proof of what I ordered and what I actually received.. tired of fighting with them, they do not communicate with me at all I get no updates whatsoever.. i need help getting this resolved!! I dont have the money to hire a Attorney otherwise I would and then it cost them more.. shouldnt have to wait this long.. its a joke on how long they take to resolve a claim

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
did not authorize or do any of these hard inquiries on my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
did not authorize or do any of these hard inquiries on my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-30 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:
On XX/XX/XXXX I received a text from a # stating that there is a suspicious transfer from XXXX and it asked me to reply yes if I authorized and no if I did not. 
I replied no and shortly after, i got a call from XXXX. 
I talked an imposter that pretended to be a bank of America Customer Service Representative. 
He told me that my account has been compromised that that the perpetrator has scheduled XXXX dollars in total to be taken out of my account. 
He then told me that I will need to transfer money to a temporary account and that all the money will be credited back to me once investigation is over. 

He has walk me thorough creating a new recipient and provided a new phone # each time since it would expire after 24 hours. He walked me through receiving a message from bank of America or approve transaction and it should reflect on my account once I replied yes that it was being on process and the next following day, it should clear. 

He had instructed me to transfer money in XX/XX/XXXX at XXXX and was on the phone for 39 minutes and money was transferred with total amount {$3500.00} ( XXXX transaction XXXX and XXXX transaction {$100.00}. 
He then told me that I will be doing this for 3 days so total amount of XXXX can be transferred and that my money will be safe. 
He called me back XX/XX/XXXX around XXXX and I did the same transaction which totaled to XXXX dollars and also XX/XX/XXXX at XXXX which totaled to XXXX dollars. 
Once I was done with the transfers that week, he told me that I would receive a call the following week and would have to transfer another XXXX. 

He continue to contact me from the same # and gave me updates that my case is being investigated and they'll continue to send me updates. 

I got another call the following week XX/XX/XXXX around XXXX and he had walked me through transferring another XXXX dollars. 

I noticed that the amount of money in my account was decreasing so I called Bank of America the same day but could not get through as their customer service line is close and will be open the next business hours. 

I called the next following XX/XX/XXXX and talked to a representative and let them know my situation. The representative I talked to said that there was no notation about someone from their team reaching out to me those days I transferred money. They then transferred me to Fraud department and I filed a claim. The representative told me that they will be doing an investigation and on the XXXX day I should get an email from Bank of America that will give me an update of the investigation.

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 2023-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Have reached out to bank regarding access to account via mobile app and sending transfers to external accounts in my name. They've continually restricted my access until I call them and stay on the phone while they call my external bank to verify the account. This has been completed twice, and they've again denied me access to view my account until their employee calls my bank for a 3rd time to verbally verify the account I want to transfer to. I was told after verbally verifying twice already now and by verifying trial deposits, this would not happen again but it has.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: CA

Complaint narrative:
I have disputed debt collection from XXXX and XXXX. They did not have a proper license to even collect the debt. It was preventing me from qualifying for a new place since it was showing as an active collection. On XX/XX/23 I paid {$130.00} to have the debt removed so I can move. XXXX and XXXX reported the account as paid for removal. XXXX removed the account in XXXX around the XXXX. XXXX removed the collection account on XX/XX/23. Equifax is claiming they have not received this information despite XXXX and XXXX sending the updated information. I also provided Equifax with the paid receipt. I could not open a new dispute with Equifax to provide the actual letter that I received from XXXX and XXXX. I have made several calls to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Columbia Debt Recovery is trying to collect a debt that does not belong to me, the information they provided me is that it is a fee charged by an apartment complex to verify housing application. I do not live in XXXX XXXX and have never lived in XXXX XXXX. 

When I spoke to request information, the company suggested that I need pay the debt because no one was going to be able to help me with that debt. I consider it a method of extortion and harassment on the part of the Collector, they did not even have my information on where to collect the debt from me, until the moment I contacted them, they began to send me emails with the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: MD

Complaint narrative:
NOTICE AND DEMAND FOR SETTLEMENT OF UNATHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to AggravatedIdentity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition tocivil liability. By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. supp 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with COMPANY NAME. furthermore, I do not have anaccount as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review for collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NM

Complaint narrative:
On Thursday, XX/XX/2023, at approximately XXXX hrs, I was making several payments online to Affirm. When I completed these payments instead of my account total balance being lowered Affirm applied upwards of {$2000.00} to my total balance of my account. I am afraid that Affirm is committing criminal fraud, by adding fraudulent total balance amounts to customers accounts. I immediately contacted Affirm, who did absolutely nothing to secure my account or correct the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NH

Complaint narrative:
This is the second complaint about Ally Bank making unauthorized withdrawals on my account. They answered the 1st complaint a week ago and stated they had stopped the unauthorized withdrawals. But, Ally has now made another unauthorized withdrawal. See prior complaint # XXXX, SUBMITTED ON XX/XX/2023.

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 2023-03-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-30 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: CA

Complaint narrative:
There is a credit card account of XXXX  XXXX XXXX ( closed ) in not mine so ask them to remove it but still existed

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 2023-03-30 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: IN

Complaint narrative:
I want to add to my complaint about Trans Union report # XXXX. My account with trans Union has been hacked. It is so obvious. Slowly I have changed my report and frozen the information. But trans Union could care less. Just in the month of XXXX I have been locked out of my account 12 times and I have had to change my password 6 times. The reason I have been locked out so many times is that my security questions are not answered properly. Every time I try to get the security question corrected they claim that their computer is not working. I have frozen the account and no longer use it. They do no work to fix my report which includes taking false information. They want me to provide statements rather than ordering them on their own. This company is worthless. They do not care if my credit is bad.I cant get my information and my interaction with my creditors is basically useless. My creditors tell me that I have been hacked. How can I get Trans Union out of my life? I consider trans Union corrupt.

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 2023-03-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Attached is the escrow statement after the analysis and I have highlighted a couple things on the statement. It shows my taxes and insurance went down this year so my escrow payment will decrease. However, it has in fact increased by {$40.00} which should be wrong based on what the statement itself says. It also shows there is a surplus so there should be no reason for my monthly payment to increase. I have this same issue every year and are never able to explain why the statement says my payment will decrease but every year it increases. My monthly payment should decrease as is indicated on the attached statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have already filed a complaint with XXXX regarding a loan made to my wife and I that was not what we asked for or was explained properly by a Truist rep. Truist has responded to the first complaint but referred me to the agreement we signed saying we could have changed from a variable rate to a fixed rate at any withdrawal. The problem is that reading that would not have meant anything to us because we told Truist that we wanted a fixed rate for the entire life of the loan. We firmly advised them we did not want any variable rates. As stated already we have never had variable rate loans, even with Truist. We were told since we picked the fixed rate there should not be any problem.

Because Truist took out more money than they should have, it caused other bills of ours to not get paid. When we discovered that we called the creditors to pay, everyone charged us a late fee.

So the Truist response does not address to the issue. If they could not guarantee that any part of our loan could be subject to a variable rate, they should have told us. They are taking XXXX responsibility. 
We were told we had a fixed rate. They lied or their rep was grossly negligent.

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