vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On ( XXXX XXXX ) you received my dispute regarding some transactions and late payments that you and ( XXXX ) furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( XXXX, XXXX, Equifax ) stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Further more lets take a look at 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a latepayment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate.

We are requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.

Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you ( XXXX, XXXX, Equifax ) have fraudulently verified an account without a reasonable procedure as required by law. 

Delete these incomplete and unverifiable accounts and transactions from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am using my rights as outlined by the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe is inaccurate. The data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the allegations included on my credit report are not true, I request that they be immediately deleted. Please provide accurate and verified information for each claim. 

Please see attached file for additional information :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: PA

Complaint narrative:
THE INFORMATION ATTACHED TO THIS COMPLAINT IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THESE CHARGES. I AM REQUESTING YOU BLOCK AND DELETE THE INFORMATION. MY REQUEST IS NOT MADE IN ERROR NOR IS MY REQUEST IS RESULT OF MISREPRESENTATION.

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 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have attempted to change my mailing address for my Capital One credit card. I had a Capital one external savings account and credit card. My external saving account statements were mailed to the correct address on file bit my credit card statements continued to be mailed to my XXXX address instead of my Ohio address. Capital One did not change my address or update my credit card mailing address to match my external savings account address. My credit card statements continually arrived after the due date which ensured continued late fees. 

I have closed both my external savings account and credit card because of this. I try to make timely payments but continue to incur fees due to not receiving my paper statements on time eventhough I have continued to tell Capital One my correct address. 

Additionally, on XXXX, XXXX, I made an automated phone payment for {$73.00} to try to stop the charges by XXXX  my balance and anticipate the {$25.00} charge that would be sent to The XXXX XXXX XXXX ( the only thing I charged on this credit card ) .Capital One accepted a payment of XXXX instead furthering the collection of interest and late fees. I attempted to have these removed but was denied when Capital One refused accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Upon receiving from PNC Bank a notice of maturity of my Retirement account I brought this to my local banker at XXXX to have these funds transferred to a Retirement CD at their institution. He explained the Request For Transfer To An IRA form and even completed the necessary steps required that he was able to provide at that time. I was instructed to bring this form on the date of maturity - XX/XX/XXXX - to PNC Bank so that they could issue a check payable to XXXX in the amount of {$13000.00} plus any accrued interest.. On XX/XX/XXXX I provided PNC Bank with this information and was advised that their procedures to make this transfer was " not what PNC used XXXX '' After only glancing at the form I supplied the representative insisted that the check be made payable only to me. He quickly closed my account and, after deducting 10 % ( {$1300.00} ) as a DISTRIBUTION of funds had a check issued to me along with a Form W-R4 ( Withholding Certificate for Nonperiodic Payments and Eligible Rollover Distrubutions ), which was sent to the IRS. The next day I ran to XXXX to show them what had been done, and was told that it was urgent that I return to PNC so as to cancel the transactions and reissue the desired transfer. I returned to PNC and was advised that they performed their duties in the correct manner and would not revise any of the documents. Going back to XXXX I purchased a 7 month CD and opened a new account in the amount of {$12000.00} using the check provided by PNC. 
I am XXXX XXXX XXXX and obviously not bank literate, I continue to be stressed out by all of these transactions because I do not understand what has transpired. I only know that I have paid an unnecessary fee of {$1300.00} which will be reflected in my XXXX Income Tax and which might affect put me into a higher tax bracket and which might negatively affect the wonderful help I am received from the state of Pennsylvania such as XXXX XXXX XXXX  etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have 2 cards they closed my account in ... capital one closed 2 cards and I've never been late, I have 100 % exceptional payments with XXXX .... I'm a new card holder and in the policy if you make 6 on time payments in 6 months you automatically get an increase... .I started out with a {$300.00} limit and made 100 % exceptional on time payments according to XXXX ... .they never gave me my increase and i reported it to you all .... someone on the inside said capital one retaliates against card holders if they are complained on... they are low down and now have closed both accounts and I have never been late.my due date isn't even near ... I called once again and got the run around... if you people had me in person and could see all XXXX XXXX XXXXXXXX I've put up with on paper, you would see my complaints are more than legitimate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Every time I log in to Experian 's website, a " free '' trial that requires payment information is offered right after login. This is a tactic known as " dark patterns '' where a website will trick you into signing up for paid service you may not want or need. 

This is extremely unethical behavior and can cause consumers who simply want to put a federally mandated free fraud alert or credit freeze on their report to pay for an identity theft service. 

When opening up a bank account or credit card, you typically have no choice but to have your personal information sent to the credit bureaus. These credit bureaus have a responsibility to not deceive consumers when it comes to viewing their credit report or controlling their credit freeze. 

To add on to this, Experian 's mobile site makes it difficult to locate where you can submit a credit freeze but makes it very easy to find their " XXXX '' program which requires a paid subscription. 

These Dark Patterns hurts the standard consumer as well as victims of identity theft. While I am sure that these paid services can provide value, Experian is deliberately hiding free tools and services that are federally required to be free.

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 2024-05-05 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: IL

Complaint narrative:
I recently checked my TransUnion report and noticed multiple phone numbers that isnt associated with me. 

The only phone number associated with me is 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 2024-05-05 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: GA

Complaint narrative:
I submitted a complaint regarding my identity theft claim on XX/XX/year>. I received a response from the credit bureaus stating that they will not comply with section 605B ( 15 U.S.C 1681 C-2 ) which states that they are to BLOCK these fraudulent accounts off of my reports within FOUR days of receipt of the letters that I forwarded to them via CFPB. I have not seen any change to 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 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I took out a promotional rate balance transfer with Citi on my credit card ending in XXXX. 
On XX/XX/year> the promotional rate expired and was raised to 21.24 % On XX/XX/year> I phoned Citi and made a telephone payment of {$23000.00} On that call I asked the Citi representative to ensure the payment was applied to the high interest balance ( BalTrnOffer XXXX ) He assured me it would be in accordance with Citi 's stated payment allocation method described on their credit card statement as follows : We apply any amount you pay above your Minimum Payment Due first to the balance with the highest XXXX, then to the balance with the next highest XXXX, and so on. As a result, if the XXXX for a Citi Flex Plan balance is higher than the XXXX of other balances on yourAccount, we will apply the amount above the Minimum Payment Due first to that CitiFlex Plan balance, and then, after that Citi XXXX XXXX balance has been paid in full, to the other balances. 

On the subsequent monthly statement I discovered that my payment had in fact been applied to XXXX XXXX which carried a rate o 0.99 % while the higher rate XXXX XXXX continued to accrue interest at 21.24 % I again phoned Citi, ( approximately XX/XX/XXXX ) and asked that this error be corrected and interest charges reversed. The Citi representative assured me this error would be corrected. I followed up with a letter to Citi detailing the issue. On the following statement no correction had been made. On XX/XX/year> I again phoned Citi and asked to speak with a XXXX. The XXXX ( call reference XXXX ) promised that a correction would be made within XXXX business days. I subsequently received a letter from Citi restating their payment application procedure quoted above but without explanation for not following this procedure denied my request. 

In summary, Citi promises to apply payments to balances in order of the interest rate charged, high to low. On XX/XX/year> my card had a BalTrn Offer XXXX with a rate of 21.24 % and a XXXX XXXX with a rate of 0.99 %. On XX/XX/year> I made a large payment which was applied to the lower rate Offer XXXX instead of the higher rate Offer XXXX. 

I am asking that this transaction be reversed and the payment applied correctly in accordance with Citi policy and that the excess interest charges be refunded to my account. I am attaching as backup the letters and statements I refer to in the above narrative.

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 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
I have been attempting to file disputes for unauthorized charges on my Robinhood debit card for over a year now. Numerous chats have gone either unanswered or Ive been told a specialist will reach out, however nobody ever does. These charges on my Robinhood debit card were unauthorized and I wish to dispute them. I did not approve these charges nor did I have knowledge they were taking place. All of the charges took place at XXXX XXXX / XXXX. The charges are as follows ; XX/XX/1922 {$120.00} ; XX/XX/1922 {$200.00} ; XX/XX/1922 {$200.00} ; XX/XX/1922 {$280.00} ; XX/XX/1922 {$770.00} ; XX/XX/1922 {$400.00} ; XX/XX/XXXX {$300.00} ; XX/XX/XXXX {$300.00} ; XX/XX/XXXX {$300.00} ; XX/XX/XXXX {$300.00} ; XX/XX/XXXX {$210.00} ; XX/XX/XXXX {$200.00} ; XX/XX/XXXX {$500.00} ; XX/XX/XXXX {$200.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One did not provide me with any notification of this debt and I was unaware of it. I had no opportunity to dispute the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc.
State: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I received a copy of my credit report and I have found that in accordance with the FRCA you violated my rights under : 15 USC1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PURSUANT to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

AMERICAN FIRST FINANCE I ( Account ) # XXXX ( XX/XX/XXXX ) XXXX ( Account ) # XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX  ( Account ) # XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 

******** PLEASE SEE ATTACHED FILE FOR FULL DETAILS OF COMPLAINT********

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2024 I Misplaced my debit card. 
I was charged on XX/XX/2024 {$370.00} and again charged {$1300.00} on XX/XX/2024. These charges appeared on my account and were made my XXXX. I have reached out to XXXX regarding these charges and have received no information whatsoever. I only have the email that was used and name of the order which neither matched my personal Information. I disputed these transactions with my bank ( Bank of America ) and I was quickly rejected. I am going to have the dispute reconsidered by submitting more documents, unfortunately XXXX is not providing any to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase took over First Republic Bank. They are now converting my old accounts with First Republic Bank to JP Morgan Chase. They have set the default account type and fee structure on all of my accounts to the highest fee option available to them even though my accounts do not qualify. 
I called multiple times. I mostly got robots. Once I did reach someone one they told me the decision was based on " many factors '' but they could not tell me what factors. 

I believe JP Morgan Chase is doing this intentionally to trick all transferred accounts to incur unjustified fees. 

They sent multiple packages ( XXXX ) of pages of information that is dense, confusing and incomplete. I carefully reviewed all pages and I can not find out why they have chosen to set all of my accounts to the highest fee option possible even though none of my accounts qualify. This is a scam!

Company response to consumer: Closed with explanation