vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: OH

Complaint narrative:
XXXX XXXX  XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.

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 2022-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XX/XX/2022 I sent a notice of fault and opportunity to cure letter to Capital One informing them that they are invading my right to privacy by reporting transaction and experiences on to my credit report in which I never gave written consent for the account to be furnished on my reports. I have yet to hear back from them and is really trying to reconcile this. They are violating 15 USC 1681a ( XXXX ) ( XXXX ) ( XXXX  ) a consumer report information solely as to transaction as to transaction or experiences between the consumer and the person making the report ;. I need to know that this being taking care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Citi Bank charged me a few for insufficient funds even though I had available sufficient funds. In addition, Citi bank lied to me that they cashed the check and a few hours later, they reversed the funds transfer or check number XXXX and check XXXX, on different occasions and charged me fees. On two occasions, they hold funds belonging to me and delay the clearing of those funds so that they claim that I have insufficient funds just so they can no cash the check and so they can change me predatory fees to their gain and to my suffering. I need all fees refunded and they must rectify the situation with the merchant. I need them to update their check clearing technology so they can not keep lying and using the technology to abuse consumers by taking money from them in fees that are unfair, unjust and predatory especially to 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 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im demanding my remedy being that the FCRA says I the consumer can get remedy for the violations done against me. Im asking for remedy for 9 violations against me under 15 USC 1681b ( a ) ( 2 ) which is identity theft and fraud. Please help with this matter because Experian has a conscious effort of not caring about this matter.

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 2022-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
A Supplemental Real Estate Tax was paid ( by us ) on XXXX ( {$1600.00} ). 
Surprisingly, Freedom Mortgage ( our lender ) increased the monthly payment ( from {$1700.00} to {$1800.00}, claiming escrow funds shortage ). 
After several unsuccessfull calls to their Customer Service Departament, we decided to contact FHA Resource Center ( RE : XXXX ), and they instructed us to send them an Error Resolution Letter, including all the payment evidence ; we mailed it on XXXX. 
On XX/XX/2022, we received a letter from them indicating they are maintaining their intentions not to address our claim, even when they have all the evidence to correct/amend 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 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Revolut Technologies Inc.
State: OH

Complaint narrative:
A payment for {$500.00} was sent from my client to me on XX/XX/2022 from XXXX XXXX XXXX Bank account ending in XXXX to my Revolut Bank account ending in XXXX. The money never arrived in my account. I contacted Revolut Bank, but they were unwilling to provide a solution. They were provided all the pertinent information needed to find the deposit but kept telling me, " the deposit doesn't show in your account '' I know the deposit is not in my account - that is the reason for contacting them. Revolut refuses to research or release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have already CONTACTED THE BANK AND YOUR AGENCY IN REGARDS TO THIS SAME SITUATION. I HAD TO GO STAY AT XXXX XXXX XX/XX/2022 TILL XX/XX/XXXX, XXXXTHIS BILL WAS PAYED IN FULL XX/XX/2022. I SENT ALL THE INVOICES WITH THE DOUCOUMENTION FROM THE BANK AND XXXX XXXX also THERE IS ALOT OF HACKING GOING ON IN XXXX TEXAS. THESE S NUMBER WHICH I BELIEVE IS A SCANNER IS GOING TO SOME ONE ELSE.

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 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc.
State: NJ

Complaint narrative:
Opted in to a SoFi Money promotion to have a {$1000.00} direct deposit post after opening checking account to receive a {$100.00} bonus paid out within 2 weeks. This deposit posted XX/XX/XXXX and I still have not received this bonus. I have reached out to SoFi customer support twice since then, both times they have said this promotion is pending but it has been several weeks and no action has been taken by them to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
After careful review of my credit profile I notice that my personal information is inaccurate and needs to be updated immediately. Credit bureaus are reporting false addresses, employers and names.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After careful review of my credit profile I notice that my personal information is inaccurate and needs to be updated immediately. Credit bureaus are reporting false addresses, employers and names.

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 2022-03-23 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My credit card was charged {$400.00} on XX/XX/XXXX. This was a billing error and credit card should have been charged {$240.00} for a food bundle as referenced in the payment authorization form. The merchant provided Bank Of America copy of a store credit that was provided of {$160.00} as part of the dispute process. The merchant failed to inform Bank of America that the store credit of {$160.00} was not used and the membership was canceled on XX/XX/XXXX. The merchant has overcharged the credit card by {$160.00} and Bank of America has allowed the merchant to overcharge my credit card by making a billing adjustment on XX/XX/XXXX for the {$160.00} that was in dispute. BOA did not do a thorough investigation to find out if the gift card ( store credit ) was ever used or if the membership was still active to use the gift card ( store credit ). 

We have another dispute with the same merchant for the same issue. Merchant charged {$400.00} on XX/XX/XXXX. 

I emailed merchant to request a refund be issued for {$160.00} on XX/XX/XXXX. Merchant said they will not consider refunding the overcharge amount of {$160.00} from XX/XX/XXXX until the other disputes have been resolved. 

The dispute was plain and simple. The payment authorization form signed on XX/XX/XXXX states bundle price was {$240.00} but merchant charged {$400.00}. Bank of America relied on false and misleading information provided by the merchant to make the billing adjustment on my credit card for {$160.00} on XX/XX/XXXX without even asking me to confirm if the gift card ( store credit ) was available for use. Again, this dispute is because the credit card was charged more than what was authorized. Dispute has NOTHING to do with the merchant 's return, refund or cancellation policy. 

Bank of America approved my claim for {$400.00} for the overcharge amount on XX/XX/XXXX which is the same situation that occurred on XX/XX/XXXX. The merchant is not following the terms and conditions of the payment authorization form and Bank of America is not requiring the merchant to comply with the terms and conditions as stated in the payment authorization form and charge the correct amount of {$240.00} for the food bundle. I have called Bank of America 3 times to explain the issue and Bank of America issued a denial of my re-evaluation of the claim of {$160.00}. 

Bank of America is allowing this merchant to keep {$160.00} of my money by not conducting a full and thorough investigation.

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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Called to get replacement card. Was told the new card could not be mailed due to some previously returned mail. Spoke to Supervisor, was told nothing was returned. Then when they tried to request a replacement card, it showed again - some returned mail, no information on what and when was returned. The address on account was CORRECT, but they demanded Primary card holder to confirm the address. Now representative has no information on WHAT was returned. 
Apparently they do not have their record straight. 
Now they asked me to go to mobile app to confirm - and again - a problem. 

I am spending over an hour requesting a replacement card. 

Poor customer service. 
Representative name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TRANSUNION is not doing their job as a credit reporting agency according to the laws outlined in the XXXX. Ive sent several notices and Ive recently sent an XXXX  via certified mail giving notice of all the violations being made by TRANSUNION! They dont have permissible purpose to use any of my information and furthermore they are reporting inaccurately.

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 2022-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXXXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-03-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXXXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: OH

Complaint narrative:
XXXX XXXXXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-03-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use 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 explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MN

Complaint narrative:
I deposited a cash fund from my main bank XXXX Bank at US bank on XX/XX/22. After 2 days I did the international wire transfer {$15000.00} at US Bank on XX/XX/22. But they kept it until XX/XX/22 with out informed me the reason of why they didnt transfer. I contacted the person who was processed the wire & told me the the fund youre sending is suspicious. I asked him why did you Guys told me until now. He said I dont know that is the back office responsibility. 
I told him not to send the money.I will send from my other Bank. 
After 2 days I transferred back the fund from US bank to XXXX bank through XXXX with daily limits {$3500.00}. After 2 times transfer the branch manager XXXX XXXX closed my checking and Saving accounts and sent me the XXXX checks.

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