vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX bill was due on XX/XX/XXXX, the system showed payment received but I noticed that the due bill amount wasn't deducted from the checking account ( despite not having a sufficient amount for full payment ). So I transferred the payment from my checking to my credit card account and made full payment. 
XX/XX/XXXX, the system showed returned ACH card payment and charged me Past Due Fee {$25.00} and on XX/XX/XXXX interest charge {$40.00}. I learnt the lesson and made sure the XXXX card payment was paid in full amount. 
XXXX bill is paid in full amount on due date. But I got another charge of {$23.00} on XX/XX/XXXX! The bank said it was for interest charges for XXXX which I already paid the interest charges on XX/XX/XXXX without any further explanation. 

Captial One is a total fraud for not explaining well to the customer and confusing its customer by showing payment settled and abusing for more money of late fees and interest charges. The interest charge mechanism is a fraud in Captial One and I refuse to pay for any interest that is incorrectly added to me. I hope CFPB can assist consumers and Capital One should give a transparent transaction to its customers instead of the attitude that you are in my bank, I do what I want behaviour.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts XXXX XXXX XXXX  ACCOUNT BALANCE {$600.00} XXXX XXXX XXXX ACCOUNT BALANCE {$960.00} XXXX XXXX XXXX ACCOUNT BALANCE {$250.00}

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts XXXX XXXX XXXX ACCOUNT BALANCE {$600.00} XXXX XXXX XXXX ACCOUNT BALANCE {$960.00} XXXX XXXX XXXX ACCOUNT BALANCE {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I thought the chase plans were allowing no interest plans all of a sudden but I see that the first one was free but the second one was not free. I was unable to cancel over the phone or by app thus I was told to pay the statement in full to clear this. This should be incorrect and I should have been allowed to cancel any pending plans but ultimately the paying in full resulted in a fee that I did not agree to. 

I am disputing the fee of {$2.00} which I could not cancel or dispute on the credit card. 

I should be able to shutoff the chase plan option on the mobile app due to these deceptive marketing of zero interest plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CT

Complaint narrative:
Transaction # 1 XX/XX/XXXX was an purchase made through XXXX with my card b/c it was stolen and i reported it stolen had to ask for a new card in the mail, i never made the alleged purchase dated. I disputed the transaction on XX/XX/XXXX they denied. 

Transaction 2 was a charge from XXXX for {$120.00} dated XX/XX/XXXX i tried to block transaction same day & cash app didnt do anything to block it while it was pending. I then had to escalate the issue so they do something about it i started the dispute on XX/XX/XXXX & they denied the dispute for me on XX/XX/XXXX. Any dispute i make ALWAYS gets denied they are not investigating anything they are just robbing their customers legally & getting away with it. Any other bank disputes the transaction and your voice is heard. Cash app always coincidentally favors against the customer. I called multiple times to find out the status of my diapute & i never recieved an answer as to why it was denied. They just push you off and make you wait XXXX business days so they can deny your dispute which is unfair. 

Transaction 3 was on XX/XX/XXXX i recieved a transfer for a service on cash app for {$300.00}. At XXXX i visited the bank listed cashapp atms to use and i tried to withdraw the total amount from the atm at XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX on XXXX  XXXX XXXX and the atm froze with my card in it i went and spoke to the supervisor and she said the atm was just serviced, and because it happened during store hours i was able to speak to someone and she emptied the atm and confirmed the XXXX was still in the atm and i never recieved it, i waited for over 30 minutes trying to get them to get my money and they told me i had to call my bank ( cash app ) and tell them what happened. They were giving me the run around so i gave my phone to the bank supervisor so she spoke to the agent on the line and explained what happened how it happened and that they are resposible to get me the XXXX back and they are delaying the dispute. I am sick and tired of being denied time and time again for disputes that i should have been refunded. I have made numerous phone calls, filed complaints to no recieve no responses and cant get a hold of a supervisor ever because when you call the agents say they have no supervisor so how is any issue that requires you to speak to a supervisor to be able to be resolved. In total the amounts of the 3 disputes that i am referring to sum up to the total of {$860.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a bankruptcy being reported on my credit report, The US Bankruptcy Court does not report any information to the credit bureau and is not responsible for verifying or validating information from consumer credit files. I contacted the court and they provided a letter stating they don't do the above listed.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I'm being Stalked by someone high up in government. I most recently began to gather proof of being stalked with credit card and credit reporting issues. Here 's an example of what they are and have done and here is the issue for this report. I opened a XXXXXXXX XXXX XXXX  credit card around XXXX, XXXX. My closing date was XX/XX/XXXX. I received my first-time statement in the amount of {$110.00} with was legitimate charges. A week later, I go to pay my bill and it stated on-line that my balance was XXXX. I knew immediately that someone committed fraud on my account. I contacted the merchant and immediately they submitted a fraud investigation. On around XX/XX/XXXX the fraud charges where reversed and balance was corrected. The only statement that I have received with this company is one statement which was the correct amount of XXXX. My balance as of XX/XX/XXXX was {$1.00}. On XXXX XXXX it was reported to the credit bureaus that I had a balance of $ XXXX.They never reported the real statement balance of {$110.00} The fraudulent charges were even removed before they reported and it's not even time for me to receive a statement again because it does not close until XX/XX/XXXX. It took my credit score down XXXX points. You may say, oh no that's one instance. No, this has happened to me on several of my credit cards and loan accounts. My score was lowered on one of them because my balance decreases XXXX points because on one of my credit card balances went from {$1.00} to {$2.00}. yes, just a dollar. I have superb payment history. There are many more examples of this. Please contact me. T

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I'm being Stalked by someone high up in government. I most recently began to gather proof of being stalked with credit card and credit reporting issues. Here 's an example of what they are and have done and here is the issue for this report. I opened a XXXXXXXX XXXX XXXX  credit card around XXXX, XXXX. My closing date was XX/XX/XXXX. I received my first-time statement in the amount of {$110.00} with was legitimate charges. A week later, I go to pay my bill and it stated on-line that my balance was XXXX. I knew immediately that someone committed fraud on my account. I contacted the merchant and immediately they submitted a fraud investigation. On around XX/XX/XXXX the fraud charges where reversed and balance was corrected. The only statement that I have received with this company is one statement which was the correct amount of XXXX. My balance as of XX/XX/XXXX was {$1.00}. On XXXX XXXX   it was reported to the credit bureaus that I had a balance of $ XXXX.They never reported the real statement balance of {$110.00} The fraudulent charges were even removed before they reported and it's not even time for me to receive a statement again because it does not close until XX/XX/XXXX. It took my credit score down XXXX points. You may say, oh no that's one instance. No, this has happened to me on several of my credit cards and loan accounts. My score was lowered on one of them because my balance decreases XXXX points because on one of my credit card balances went from {$1.00} to {$2.00}. yes, just a dollar. I have superb payment history. There are many more examples of this. Please contact me. T

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
I made a purchase with Affirm through XXXX XXXX XXXX XXXX XXXX. I returned that purchase in XXXX of 2023 in XXXX of 2023 I noticed that the affirm loan was still not pay off. I submitted via affirms online portal all the requested documentation and received no communication. Then in late XXXX I received a notice that I had not provided the requested info and the dispute was closed. Since I never received a request for additional information I raised the concern yet again. It was escalated with no follow up. 

Now affirm is reporting that I have a late payment but I have no way to make payments on the loan because its in dispute. It is affecting my credit worthiness with affirm and I fear they will report to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/21 I applied for an auto loan with XXXX of XXXX XXXX XXXX. Upon supplying my information which included name, income, address and most importantly my social security number I was denied business for the extension of my credit. Its my understanding that per the Federal Reserve Act Section 16 that no application is denied and the amount of the application is received in legal tender. Its my understanding per that ACT that the application is money, and acts as money in this banking system. I applied for credit for an automobile with this institution and regardless of the reason for the denial I have a right to credit. Withholding my access to my securities is securities fraud. You are violating the Equal Credit Opportunity Act as well as the Consumer Credit Protection Act. Since you are denying me access to my credit, please retract my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/2023 I made a withdrawal for {$210.00} ( not including fees ) using my Chime card at XXXX XXXX XXXX. When I went to do this no money came out of the ATM but my account was still charged for a total of {$210.00} but no money was dispensed ; only a receipt with the error code, dispensed amount ( {$0.00} ) and the amount requested. Ive done several rebuttals since then, Ive called the ATM company to which I was told to direct chime to call them, Ive provided them with the receipt to back my claim, I even filed a complaint with the XXXX. When I filed the complaint to the XXXX they reopened my dispute but it still says denied on my app. I just want my refund this has caused massive distress on my life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I applied for a Capital One XXXX Rewards credit card on XX/XX/23 and got denied. According to 15 USC 1691 a consumer credit transaction explains the Equal Credit Opportunity Act. I have the right to credit. This prohibits creditors from discriminating against credit applicants.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
I made contact with this furnishing agency and I was notified that they have no file of my social security number on file no account with my information at all I gave them a call both disclosing the same information. 
On my consumer credit report Wakefield and associates has furnished this information without my consent and contract that me the consumer did under Any rightful contract of my knowledge also reporting them with a major agencies I have a collection that is reporting negatively, with limit of which is considered a charge of, please help me with this matter and remove this account immediately due with consideration this CFPB account number is my filing claim and I have done several disputes in. Violation that XXXX XXXX has committed according to FDCPA, FCRA of 1970,15 USC 1692 ( e ) 15USC 1681 several regulations have been acted in violating my rights and requirements of these organizations and I would like to deeply send in dispute for REMOVAL of this account and investigation to seek remedy for all violations and regulations committed on both state and federal level with my residing state in SC by this agency showing dishonor I would like to execute seeking ramifications for the following several VIOLATIONS and dishonorable federal regulations committed against me and my livelihood and my ability to live in in functional formality and be productive. With the credit system that had specifically been designed to protect and benefit the daily lives of consumers, section 623 of the FCRA. Under the Cares Act. Effective immensely 15 USC 1640 due to the unlawful and inaccurate reporting for each Violation I seek XXXX dollars EACH In total for defamation of character and inaccuracy this charge has effected me and my ability to purchase a home a vehicle, extend credit to myself that I'm entitled to according ECOA CFR 1002.7 I would like to in good faith Seek remedy from this dispute in form of cashier check pay to order of XXXX XXXX XXXX Contact information Email XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY

Complaint narrative:
Citizens Pay showed up on my credit report. Ive I contacted them in writing & several phone calls. They closed the account. The have never asked me to pay the loan but refuse to remove it from my credit report. The report good & late payments to my file & continue to damage my credit score. I have filed a identity theft report with the gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
ever since i opened my wells fargo checking account, money would be missing from my 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 2023-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Third party debt collectors have not shown me proof of any alleged debt on my XXXX credit or any of the other credit reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
Contribution Reference XXXX XXXX XXXX XXXX XXXXXXXX I disputed this account with Early Warning Services back in XX/XX/2023 the information they are reporting is incorrect and inaccurate and I would like to have this account removed from my credit report immediately. I've also disputed this account with XXXX  XXXX XXXX through CFPB and I've filed a identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I got notified that my funds were being used so I reported the transactions. And the same night I got an email stating I could no longer use PayPal that they were limiting my account. Now my funds are stuck in Freeze AGAIN. This happened to me a few years ago where they froze my funds for an entire year and after the year was up, they apologized stating it was a big mistake on their end and allowed me to continue using pay pal. Which I really didn't want to because they held almost {$2000.00} for almost a year. But I continue using it after a few months. Well here I am again being told I violated terms and conditions set by PayPal when I simply didn't do anything again. Except report some transactions that weren't mine. They are giving me the same speech about how they noticed suspicious activity on my account and this time they didn't even give me time to submit any documents or anything they just XXXX down my entire account and I can't use it anymore. Paypal already has a class action lawsuit for this same thing currently and I no longer will allow them to launder my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
In XX/XX/2023, I opened a M & T Bank checking account ending in XXXX. On XX/XX/2023 my direct Deposit payroll was deposited in the account. When the account was opened, it was offering a {$200.00} bonus when {$500.00} was directed deposited and I have met the requirement already. According to the M & T Bank Representative, I spoke with on or about XX/XX/2023, the bonus should have been given within 90 days from the date the direct deposit reached the account. 

She advised she would escalate this case to someone for them to review it and give me my bonus. Advised there would be a resolution in 1-2 weeks. On XX/XX/2023, I spoke with XXXX, XXXX and was advised the case is still open and I need to talk to sales to find out the status of this. I am not doing this run around thing like last time, with my M & T Bank mortgage ending in XXXX. I am demanding that M & T Bank pay out my bonus of {$200.00} that I am rightfully owed within 5 business days.. It's passed the 90 day timeframe provided in the offer terms. 

Enclosed : XXXX XXXX Monthly Account Statement

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 2023-11-12 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I have unauthorized inquires listed on my consumer report. I have filed the proper reports to have these illegal items removed from my report and have yet to see any changes.

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