vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Companies Involved, Chase Bank : Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  Dispute : I closed my bank account with Chase because there was a zero balance. They charged me for monthly fees, overdraft fees, and also XXXX XXXX XXXX mistakenly charged me than reversed it on this closed account. Chase Bank has sent me a bill for {$48.00} which are all overdraft & monthly fees caused by them not closing the account. 

Dates/Facts On XXXX XXXX, I wrote an email to Chase Bank and asked them to close my account as I now had a zero balance. I also made a phone call and talked to them. I called XXXX XXXX XXXX as well. unfortunately, there was a mistake, XXXX XXXX XXXX had not stopped their monthly withdrawal on my account. I spoke to someone at Chase and emailed them as well. 
XXXX XXXX - XXXX XXXX XXXX checking account {$60.00} chasebank account. Additionally, they charged XXXX XXXX XXXX {$60.00}. 
XX/XX/2023 NSF Charge for XXXX overdraft fees XX/XX/2023 Reversal of {$60.00} XX/XX/2023 Reversal of {$34.00} XX/XX/2023 Bill payment of {$60.00} XXXX XXXX XXXX Monthly Service Fee of {$12.00} XX/XX/XXXX. XXXX  Reversal Bill Payment of {$60.00} XXXX XXXX 2023 Monthly Service Fee of {$12.00} XXXX XXXX, 2023 Monthly Service Fee of {$12.00} XX/XX/2023 Overdraft {$48.00} XX/XX/XXXX : 2023 I received a letter in the mail from Chase Bank stating that I owed {$48.00}. I dont undersand how the banking industry gets away with stuff. I would also like to let you know that I have spent 1 hour with 3 different chase representatives trying to work this out and they refuse since they conveniently have sent this to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i sent letters to the 3 CRAs ( TransUnion, XXXX, and XXXX ) on XXXX, about reporting inaccurate and incomplete information on my credit report. Per 15 USC 1681, all information being reported must be 100 % accurate and complete before reporting or Deleted. I have attached copies below

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 2023-06-26 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: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
XXXX, XXXX is attempting to collect a debt from me being a cosigner on a apartment that I have no knowledge of the lease started XX/XX/2022 and ended XX/XX/2022 i know this is not possible because I was in the state of Texas since XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Owned home since 2020 my mortgage was sold to current mortgage company and my payment went up XXXX. Tried to talk with mortgage about the increase in payment I was told my taxes increase and home owners increased and my flood insurance increased. Talk to my home owners about the increase it has not increase talk to the flood insurance company about the increase it has not increase looked at my taxes they have not increased. My escrow went from XXXX a month to XXXX a month Carrington mortgage has not provided any information or have I agreed to and increased escrow. Carrington has not made any effort to explain why the increase and it impossible to get a direct answer. I would like to make formal complaint about Carrington Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: MI

Complaint narrative:
As I educated myself on Fair Credit Reporting Act, I asked Experian, XXXX, and XXXX several times over the past year or so to reinvestigate these accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act these reporting 's has violated my federally protected consumer rights to privacy my livelihood and confidentiality under 15 USC 1681 Act. However, they stated that everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is still incorrect. Closed accounts are written off and considered income. Income dose not report I want them removed as well. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. XXXX, XXXX, Experian did not do so. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. Certified Mail Receipts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and many more.

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I got XXXX secured credit cards XX/XX/2022. XXXX was with XXXX. After 6 months of good on time payments I was given an unsecured card and my security deposit was mailed to me briefly. Then I got a XXXX XXXX secured card. And also I got a capital one card. These cards did not convert to unsecured even after 6 months of on time payments. So I closed them. The XXXX XXXX  added the security deposit into my bank account immediately while on the phone. But the complaint I have is with capital one. They are purposely taking a long time to hold onto my money and did not issue an unsecured card. I closed my secured card XX/XX/XXXX and I have still not received my security deposit or any promises that it will arrive after 1 month. They are taking advantage of me when I originally wanted an unsecured card and that's why I got a secured card to build credit and convert it. And they are not giving my original money back. Obviously the best company to get the secured card is with XXXX. I no longer want to do business with Capital One. All their service is overseas and they are taking my personal information when I call in. They don't care and they hang up when there's a real issue. This is the total opposite from my experience with XXXX. Why would I get a secured card and then spend years waiting for it to convert because the bank wants to hold onto my security deposit? This is what I was told by someone at XXXX XXXX that it took 18 months for her card to convert. And who knows what would happen with Capital One. I would like my money back immediately. Why would I need to get on here to complain? It's because the company is not helping whatsoever and obviously taking advantage that I gave them money to hold onto. This mean that they do it for everyone and take advantage of everyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-06-26 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: MN

Complaint narrative:
I received 2 letters from XXXX ( 2 different attempts ) saying I was declined a credit card because my " application contained unsatisfactory or unverifiable information ''. 

I did not request a " XXXX XXXX XXXX '' credit card. Someone is attempting to get a credit card in my name. 

The dates are XXXX XXXX XXXX  and XXXX XXXX XXXX I did contact XXXX XXXX XXXX XXXX. They are " reversing the check on my credit '' and sending me docs to start an internal investigation with them.

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 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I scheduled my electricity bill payment of {$220.00} on XX/XX/2023 from my Capital One checking account through bill pay. Capital One deducted the funds as if the bill was paid. I then received a notice from my electric company on XX/XX/XXXX that they would shut off my electricity by XX/XX/XXXX due to non-payment. I called Capital One on XX/XX/XXXX and was first told by Capital One that the payment was mailed so that it just hadn't been received yet. Then a second representative at Capital One told me that day that this was not true, that the payment was electronic and should have been received within XXXX days of the XX/XX/XXXX request for payment. They told me I was responsible for the electricity payment even though the bank had deducted my funds and the electricity provider still did not show any payment received. The second representative also told me that I was responsible for late fees being charged by electricity company and that Capital One would not be responsible for those charges. I finished the call exasperated by that information, called back and spoke with a manager named XXXX @ XXXX AM XXXX XXXX XX/XX/XXXX who sent me to a XXXX representative named XXXX at XXXX pm who told me they would ask for an investigation and get back to me with proof of payment. 
After hearing nothing I decided to call Capital One back on XX/XX/2023 @ XXXX AM XXXX and spoke with " Faith '' as the electric company is scheduled to turn my electricty off tomorrow on XX/XX/2023. Capital One told me they still have no final confirmation of proof of payment receipt, and that I just have to wait for an email from them, even though they have deducted the funds from my account and even though my electricity will be turned off tomorrow. I told her I have no longer to wait since the electricity will be turned off tomorrow and the forecast is for XXXX degree heat where I live. I as then put on hold to wait for a " manager '', and XXXX minutes later I decided to give up and file this complaint. 
The bill pay was scheduled XX/XX/2023... XXXX XXXX days later Capital One can not give me an proof of payment, refuses to accept responsibility of any late fees that my electric provider is now charging me, and the electricity company still shows no record of payment from Capital Bank on my behalf. Capital One also refuses to credit my account back the money that was deducted from my account. 
AND GUESS WHAT? I was still on HOLD with CAPITAL ONE BANK FOR OVER AN HOUR AS I TYPED THIS COMPLAINT, AND THEY JUST DISCONNECTED ME. 

PLEASE PLEASE HELP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have used the CFPB to complain, dispute and ask Capital One NA to validate/Verify this debt. I accept and am willing to pay this debt if COAF can provide me the instrument, promissory note, Note, XXXX XXXX, the instrument that was securitize my signature and gave them the right to the security interest that I was not told I would be giving them. I sent XXXX XXXX ( indenture trustee ) my notarized affidavit of truth via certified mail I also sent Capital One the same affidavit and XXXX None has rebutted in fact Capital One stated they dont have to and the are correct but that means what I stated stands as Truth. Capital One has a fraudulent lien on my property the did not file a XXXX because they cant. Without a court order they can not repossess my property. I have ask the if they have a license to do business in DELAWARE the Sec of State say they do not. They are also reporting inaccurate information to the CRAs. I have sent in my Rescission and they have yet to send my money order XXXX hasnt either. Attached is the proof that the NOTE Im asking for has provided cash to different Banks that has not paid XXXX XXXX to IRS this NOTE provided Im not in a bonding contract because this Note only has my Signature and Capital one has Broken the law and is committing fraud Identity Theft and Tax evasion and fraud as well. I have contacted IRS. Im asking for what the required!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Ordered a pet confinement fence as seen on a XXXX. site on XX/XX/23. Pd with Citibank LLBean M/C Credit card. Company substituted a screwdriver set for the {$39.00} fence. No way to reach this company. Have tried. Citibank says my documentation does not support the claim against XXXX. This was purchased on the XXXX site with the Citibank LLBean M/C card. I have no further documentation. The site disappeared from XXXX  right after I posted " scam '' .I need help to recover the {$39.00} I have been charged to my Citibank Card . Dead ended by Citibank. I sent Citibank as much documentation that I had which the P.O. tracking shows Citibank received on XX/XX/23.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX ACCOUNT REPORTED ON MY ACCOUNT IS NOT MINE .HAVE NO KNOWLEDGE ABOUT THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NE

Complaint narrative:
I have attempted to rectify several charges with this company, and they do nothing to return my money. Now they close my account, and still have not given the stolen money back. They are a shady company that I have filed numerous disputes with, and they do nothing to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please see the attached documents. I want to remove that was added to my account without my consent.

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 2023-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I was not protected by Chase Bank and their third party affiliate XXXX. On XX/XX/XXXX I was purchasing concert tickets from a friend and was told to XXXX ( since its used through each parties bank ) the amount of {$1200.00} for the tickets. Come to find out that the tickets were not real and after the recipient did not return the money chase was unable to help me. I filed a claim on the XXXX of XXXX and was told that Chase bank would update me on the status of my claim. It has been well over their window of 3-5 business days and they did not update me and I had to call chase and have them tell me that I was informed of the wrong protocols and procedures with the claim and that they could not help. Chase bank and XXXX has failed me with trying to recover this issue since I have had a high standard with chase and XXXX and have never had a fraud issues or banking issues in general.

Company response to consumer: Closed with explanation