vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX. I logged into my account app and it said account restricted after a {$600.00} payment posted and nothing else was told other than restricted and XXXX credit available when I called they told me the account was closed and I would never receive a letter in the mail as to why the account was closed. I was also told the reason that it was closed was too suspicious activity on my account, I was just using my card. I went over my limit, but I immediately made a payment as mentioned above of {$600.00}. I believe they closed my account because my credit score to XXXX and a couple days later it jumped back up to XXXX. This was nowhere mentioned to me, and I believe this account should stay open

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
The apartment complex is stating that I own a balance. The lease was paid in full after lease end date. I did not receive a deposit back but they are trying to collect a balance of {$370.00} which I should not owe. This incorrect information is cause hardship in finding a new place as this is reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reached out to XXXX and experian numerous times to report fraud is with theft and that inquires made on my credit report have been made fraudulently but neither company has removed the inquiries causing financial hard ship and endangering my livelihood

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 2024-04-26 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: CA

Complaint narrative:
I created this new CFPB account since I lost my access to the other one. From now on, this will be my only CFPB account.

I just checked and reviewed again my Equifax credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Wheels of Chicago, Inc.
State: IL

Complaint narrative:
Ive purchased this vehicle of mine from wheels of Chicago inc located on XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Ive been trying to resolve this issues of the company missing up my payment dates since I purchased the vehicle now Im being told by a rep name XXXX he wont be helping me because of the complaints I made as I expressed to XXXX in email the complaints I made were in fact true and the company has not been able to assist me and this is getting out of hand even on there company site views they are terrible people to their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: MA

Complaint narrative:
Hi! I got notified by my XXXX credit monitoring that a new credit inquiry was run by XXXX XXXX which I did not initiate. 

I filed fraud alert with XXXX and called XXXX XXXX to make sure they didn't issue a credit card to anyone and they wouldn't give me any information. 

Additionally, phone numbers were listed wrong ( XXXX ) XXXX ( XXXX ) XXXX is also an incorrect phone number but is my mother Additionally, XXXX is listed as an employer which is also incorrect.

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 2024-04-26 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Over the course of a few months many transactions were showing on my statement from a company named " XXXX XXXX XXXX ''. 

Upon noticing these charges I instantly started to do research to understand what this was or where it came from. I personally had no recollection of this transaction. 

The following are the charges listed in this order : Transaction Date Post Date Reference No. 
Description Amount XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX {$800.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX {$800.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX {$800.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX TX {$830.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$77.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX {$1500.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} Upon trying to contact the company at no accord I then proceeded to dispute the transactions with my credit card issuing bank Navy Federal Credit Union. 

The date of the original dispute was XX/XX/XXXX. 
XX/XX/XXXX which I have emails for. 

I was asked to submit any documentation I could obtain which I did. 

The company which was charging my card, XXXX XXXXXXXX XXXX, was no longer in business, as everything I could find red flags them as a Fraudulent, and Scam. 
Apparently over XXXX people were targeting equally as such and many took losses assuming they were going to receive a product which never arrived. 

After a few days, I received an email stating the dispute was not granted due to me not supplying enough information. The issue is, there's not much I would be able to supply, as I was disputing a fraudlent transaction. 
I had not received anything from this company and had zero validation of this transaction in my emails.

A while passed and I noticed the credits were taken back and I was left to pay these amounts that I don't believe I should be left to pay for a scam.

I then contacted Navy Federal Once again, and notified them this company was irrefutable, and officially closed and had several class action law suits against them for being a scam site, yet why would I pay for something that's not legal. 

I was told to appeal the claim, which I then proceeded to do once again, on XX/XX/XXXX since they took time to deal with the original dispute, and by the time I noticed and reviewed my statements, I realized I was never allowed the original credits. 

Now im being told, the time frame to dispute the charges has passed as it's been over 120 days and there's nothing left the bank can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: LA

Complaint narrative:
I just checked and reviewed again my Equifax credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Hi, XX/XX/XXXX The bellow XXXX XXXX XXXX XXXX XXXX XXXX XXXX was bought as lease buyout, in cash, account paid in full, {$26000.00}, from the lease holder US Bank account XXXX, at the end of the lease, on XX/XX/XXXX. 

XXXX. A month later, I have not received the title from US bank, and did not receive any other written communication XXXX. After XXXX hours of combined US bank customer service phone calls, passed around to approx. XXXX different agents, it seems that US bank has erroneously sent the title to an auction, and the title is nowhere to be found. As one agent said it can take years until I will get my title. 
XXXX. Personal privacy violation with a potential identity theft : my SSN and address were sent by US bank to a 3rd party ( the auction house ) as part of their lease release package 4. The car value is depreciating, and I must sell it as our family is growing and I need an XXXX seater car. 
XXXX. I am writing you to help me get my title from US bank Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank ( lease closed ) account XXXX US Bank Lease Maturity phone number is XXXX The car was paid in full {$26000.00} on XX/XX/XXXX Thanks, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ 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 2024-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
On XX/XX/24 I made a final payment to close out my private XXXX loan in the amount of {$3000.00} to Firstmark Services. Per the loan servicer 's site, I was required to pay more than the amount left on my loan to avoid interest and fees. I ensured that I had enough to pay the amount plus XXXX cents over. 

After 2 months I had not received a refund for the XXXX cent overpayment. I called Firstmark on XX/XX/24 to check on the status of the refund and was told that they would not repay amounts less than {$1.00}. When I asked that they process the refund, the Servicer stated they would put in a request and to check back in a week. 

On XX/XX/24 I contacted Firstmark Services again to get an update on the status of the refund. I was told that the refund has been denied by the Loan Administrator, National Student Loans, because it was less than {$1.00}. The customer service agent asked again and I was told they would not make the refund payment and there was not further information they could provide. 

While this is a small amount, it is still money owed to me for the overpayment of the loan. The loan servicer 's ( Firstmark Services ) did not state refunds would not be made if they were less than {$1.00}, only that I was required to make an overpayment of the final amount of avoid interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX decided to change the company they use to process the credit card they offer, which I had for years. They communicated my new card would arrive and the old charge would be cancelled. The new card never arrived and they cancelled the old acct. I called and they said they would send replacements cards. When the cards arrived I activated them but when my wife and I tried to use them they were declined. I called numerous times trying to resolve their issue they couldn't figure out the issue so I just said close the credit card acct. 1st issue, they showed the card lost/stolen on my credit report & my rating dropped. I asked them to code if so it didn't damage my rating and they wouldn't, the whole mess was their fault. I closed the acct XX/XX/2023 but when I looked at my credit report recently they show 30day and 60 day late payments XXXX? The cards, one marked lost/stolen, the replacement they couldn't get to work and I closed the acct months earlier with no activity on either since XX/XX/2023. I asked them to remove the late payment notices from my credit report and they won't. XXXX XXXX is not responding in good faith and has damaged my credit due to their incompetence. 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 2024-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint narrative:
They kept asking me to deposit money into my account in the name of making a program. Can we solve this? 

It encouraged us to continue trading with XXXX. 



Here are my USD account details Account holder XXXX XXXX XXXX XXXX WELLS FARGO BANK , N.A 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 WELLS FARGO BANK , N.A 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 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX The bank denied my claim for suspicion. I put in 3 claims because a total of 15items could be attached to 1 claim. All 3 claims were denied and this was truly unfair. The bank did not direct me to CFPB, I found this resource on my own. If I would had this information to file a complaint, I would of done it in XXXX. Santander Bank Associate instructed me to call the Federal Bureau of Banks, which I had no success. 

During the time of the transactions, I was at work. Those transactions were made on the opposite end of the city, nowhere close to me. Totaling 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 monetary relief
Consumer complaint received 2024-04-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$8900.00} XXXX XXXX XXXX - XXXX {$6400.00} XXXX XXXX XXXX - XXXX {$9500.00} XXXX XXXX XXXX - XXXX {$380.00} XXXX - XXXX XXXX XXXX  - XXXX {$3800.00} XXXX XXXX - XXXX {$4300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-04-26 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-04-26 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: IL

Complaint narrative:
I had unauthorize charges on my account and the company held me liable because they said I didn't show urgency to get the problem resolved. I XXXX  XXXX XXXX and I run calls 9 hours a day. I have over XXXX running thru my account weekly sometimes and I tend to look over until it's time to file my taxes thats when I realized the unauthorized charges that I didn't authorize nor did I give anyone permission to access my account, I have included my ftc report for proof of identity theft. Account XXXX Claim ID XXXX and 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 monetary relief
Consumer complaint received 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ). The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

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