vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 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: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Approximately XXXX was charged to my checking account. it was over XXXX incidents back to back for the exact same amount. The bank says my card was added to a " digital wallet '' I do not have a digital wallet nor have i ever authorized a digital wallet. They are claiming there's nothing they will do for me... ..The bank is Regions Bank I first locked the card trough the app then called it in. was told to go to a local branch to file a dispute i did. they said it would take XXXX business days and someone would contact me they never did I went back in spoke to another person. She had a chat discussion with the fraud people and then they told me to just call back in. i left and called the bank and they are simply saying there's nothing they can do because the card was " somehow '' linked to a digital wallet which has nothing to do with me. Been a customer of this bank for over a decade with no type spending pattern such as this. I have three separate accounts as well as a credit card account through them. Never has this ever been a problem and they can clearly see its got nothing to do with me but yet they say sorry they wont do a thing.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Tesla, Inc.
State: CA

Complaint narrative:
I have recently ran my credit report with XXXX XXXX XXXX XXXX and I was told that my tesla finance auto loan does not show up on my credit report. 

I also ran through other credit report and it shows that I have no Auto Loan.

I would like to get this issue fixed so I can raise my credit score and also for my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This all started when I realized my existing physical credit card expired on XX/XX/XXXXXXXX  and my replacement card was returned to CapitalOne due to a move. I called CapitalOne to request my card be mailed to my new address. After confirming my new address and identity, I was assured by the CapitalOne customer service rep that my replacement card would arrive within 5-10 business days to my new residence. After some time, the card arrived and everything was just fine. Until it wasn't. 

XX/XX/XXXXXXXX  : I received in the mail a new credit card application ( App ID : XXXX ) and in order to complete the appliation, I was to submit additional documents by XX/XX/XXXXXXXX  otherwise CapitalOne would not be able to continue processing my application. I never followed through with submitting these documents via mail or fax. 

On XX/XX/XXXX, I received a letter stated I was approved for a credit card issues by CapitalOne with a {$500.00} credit limit for application ID XXXX. 

XX/XX/XXXX : I called and reported a fraudulent claim against CapitalOne. I was not given any help and was told to make a report with my local police department but was not given the name or employee ID of the rep who was in charge of sending my card to my new address or why an application was started with my name and approved even when I didn't respone. 

REFERENCE INFO FOR COMPLAINT : CapitalOne CASE # XXXX Employee : XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I opened the account XXXX because i needed an active checking account to receive my direct deposit, i had heard such good things about Wells Fargo. I was under the impression that after i got my first direct deposit i would be awarded a XXXX bonus. I kept account balance in good standing and open for more than 90 days and did not receive any bonus.

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 2023-10-13 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: WA

Complaint narrative:
Date of fraud was XX/XX/XXXX. It is for a loan from XXXX XXXX for some type of security system. Address attached to this is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and I have never ever been there before nor lived there. The loan amount is {$3300.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Credit Limit {$3400.00} Highest Balance {$3500.00} Terms - On Record Until XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Date of fraud was XX/XX/XXXX. It is for a loan from XXXX XXXX for some type of security system. Address attached to this is XXXX XXXX XXXXXXXX XXXX XXXXXXXX IN, XXXX and I have never ever been there before nor lived there. The loan amount is {$3300.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Credit Limit {$3400.00} Highest Balance {$3500.00} Terms - On Record Until XX/XX/XXXXXXXX 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 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one checking Account was denied. No reason supplied. Requested information from XXXX XXXX XXXX, but account was denied by Capital One, which owns XXXX XXXX XXXX 

I have never had an account in bad standing. The only issue is opening accounts and possibly closing them. Never a late fee or overdraft ever If a company can OWN a consumer reporting company, that means monopoly. There needs to be a third party recommending the reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2023 my possessions were stolen. My wallet with all my bank cards and phone were stolen. I called chase on XX/XX/XXXX and told them my cards have been stolen so they knew my cards were gone. When I got home from vacation on XX/XX/XXXX I went to get a new phone at XXXX  and finally accessed my accounts. Someone had got into my account and did a lot of transactions and chase reversed or denied them for the most part but theres XXXX over {$2000.00} in transactions ( {$300.00}, {$700.00}, {$1000.00} ) that they wont return and Im not sure why. I spoke to the person that denied it and she was very rude about it for some reason and said XXXX  you cant get back because its like cash same thing with XXXX XXXX but they refunded the XXXX XXXX transactions they made which doesnt make sense. She said well take it up with them have a nice day and hung up. I proved to them that I didnt have my phone, there was a bunch of other fraud which they returned but wont return my {$2000.00} in XXXX payments which came from my account that I already report as fraud but wont return it. It just makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation
State: TX

Complaint narrative:
This loan is not accurate and was done online I have asked for information on this loan and it is being reported to the credit bureau. I never gave consist to share my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CRED Technologies dba cred.ai
State: CA

Complaint narrative:
On XXXX a transaction of {$7.00} was recorded on my account and on XXXX a transactions of {$68.00} was made on my account. On XXXX I asked cred.ai for all information about the merchant demanding these funds.I asked for purchase agreement and or item description and delivery dates of the items .cred.ai only provided the phone number of the merchant.I myself have tried to contact this merchant by phone and the number is disconnected I tried contacting them by email and can not. Then on several occasions have tried to contact cred.ai and inform them of this with several phone calls and emails to resolve this matter.let them know I did not make, authorize or purchase any type of item or service from this merchant or vendor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND I WANT THEM TO BE DELETED BECAUSE THEY ARE IN MY REPORT MAGNFINCU - XXXXXXXX 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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Earlier this month ( XX/XX/2023 ), I received notice from my mortgage holder, Rushmore Loan Management, that my loan was being switched to their servicing division, Rushmore XXXX XXXX. Nothing changed about my account, it is still in good standing, except my loan was assigned a new loan number. This is simply moving my loan to a different arm of the same company. As a result of this arbitrary change, XXXX reduced my credit worthiness by XXXX points to a XXXX credit rating because it says my loan was closed! 
My loan was not closed, merely transferred to another part of the same company. 
Why am I being penalized for an arbitrary change the company made? Is this a way to detract from the credit worthiness of its mortgagees? How do I get credit for my loan being in good standing? 
This can not stand! I work hard to keep my credit rating in the Good range and this arbitrary change or miscommunication between the lender and credit rating service unjustly penalizes me. 
Please see that this is corrected as soon as possible. I need the good credit rating I earned to continue uninterrupted. I shouldn't have to be downgraded for an accounting change made by this company. 
Thanks for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On or around XX/XX/, I opened a business credit card at Bank of America ( XXXX ). It came with a 0 % interest promotional offer for 9 billing cycles, including the statement that included XX/XX/XXXX. 

My XX/XX/XXXX XXXX had a due date of Sunday, XX/XX/XXXX. On Friday XX/XX/XXXX, I paid my balance off in cash at a local Bank of America branch. On XX/XX/XXXX, I was notified that I was assessed a finance charge. 

On XX/XX/XXXX, I called Bank of America to inquire as to why I incurred a finance charge when I paid off my card during the 0 % promotional period. The support representative informed me that Bank of America has a cutoff at XXXX Pacific Time for same day processing. As I paid after XXXX on a Friday, my payment did not post until Monday. 

The support representative attempted to reverse the charge, but it was denied by the system. I attempted to escalate the issue, and was transferred to the representative 's manager ( XXXX ). However, XXXX was not available, and the transfer failed. 

-- -- -- - There is no warning about the XXXX cutoff time anywhere in the statement. Furthermore, it makes a weekend due date a lie, as the actual due date is XXXX the Friday before the weekend. Lastly, Bank of America 's website makes it impossible to pay a business credit card with an external account, like is possible in most other institutions. 

-- -- -- - Attached are my XX/XX/XXXX and XX/XX/XXXX statements. 
The XX/XX/XXXX statement demonstrates that the balance was still in the 0 % period during that time. The XX/XX/XXXX statement demonstrates that the payment was transacted on XX/XX/XXXX ( 2 days before due date ), and posted on XX/XX/XXXX ( One day after due date ).

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 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

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 2023-10-13 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-13 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: TX

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND I WANT THEM TO BE DELETED BECAUSE THEY ARE IN MY REPORT XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XX/XX/XXXXXXXX  {$1200.00} XXXX XXXX XXXX {$1700.00}.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was going over my credit report when I noticed unauthorized items and i would like it to be removed. 

( XXXX, TransUnion XXXX XXXX ) ( XX/XX/XXXX, {$2100.00} XX/XX/XXXXXX/XX/2022 {$3500.00} XX/XX/XXXX ( XX/XX/XXXX {$760.00} XX/XX/XXXX ( XX/XX/XXXX, {$470.00} XX/XX/XXXX ( XXXX XXXX, {$260.00} XX/XX/XXXX ( XX/XX/ASPIRE, {$1300.00} XX/XX/XXXX ( XX/XX/MILESTONE, {$700.00} XX/XX/XXXX ( XXXX XXXX, {$3300.00} XX/XX/XXXX ( XXXX, XXXX, XXXX {$220.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX 
{$1300.00} XX/XX/2023 ( XXXXXX/XX/XXXXXXXX ) Bank Credit Cards XX/XX/XXXX ( XX/XX/XXXX ) Bank XXXX XXXX XX/XX/XXXX (XX/XX/XXXX ) Bank Credit Cards XX/XX/XXXX ( XX/XX/XXXX ) Personal Loan Companies XXXX XXXX, XXXX ( XX/XX/ASPIRE ) Bank Credit Cards XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX ) Bank Credit Cards XX/XX/XXXXXX/XX/2022

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was going over my credit report when I noticed unauthorized items and i would like it to be removed. 

( XXXX, XXXX XXXX Equifax ) ( XX/XX/XXXXXXXX, {$2100.00} XX/XX/XXXXXX/XX/XXXX, {$3500.00} XX/XX/XXXX ( XX/XX/XXXXXX/XX/XXXX, {$760.00} XX/XX/XXXX ( XXXXXX/XX/XXXX, {$470.00} XX/XX/XXXX ( XXXX XXXX, {$260.00} XX/XX/XXXX ( XX/XX/ASPIRE, {$1300.00} XX/XX/XXXX ( XX/XX/MILESTONE {$700.00} XX/XX/XXXX ( XXXX XXXX, {$3300.00} XX/XX/XXXX ( XXXX, XXXX, XXXX {$220.00} XX/XX/2023 XX/XX/XXXX 
{$1300.00} XX/XX/2023( XX/XX/XXXX ) Bank Credit Cards XX/XX/XXXX ( XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX ( XX/XX/XXXX ) Bank XXXX XXXX XX/XX/XXXX ( XX/XX/XXXX) Personal Loan Companies XXXX XXXX, XXXX ( XX/XX/ASPIRE) Bank Credit Cards XX/XX/XXXX XXXX XX/XX/XXXX ) Bank Credit Cards XX/XX/XXXXXX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: EQUIFAX, INC.
State: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND I WANT THEM TO BE DELETED BECAUSE THEY ARE IN MY REPORT XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-10-13 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND I WANT THEM TO BE DELETED BECAUSE THEY ARE IN MY REPORT XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-10-13 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: GA

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.

has violated my rights. Or a list of inquiries : 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 2023-10-13 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: Experian Information Solutions Inc.
State: GA

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.

has violated my rights. Or a list of inquiries : 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 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