vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-08-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I need your assistance regarding issue/problem with my credit card purchase on XX/XX/XXXX in which I disputed with my Citicard XXXX on XX/XX/XXXX. 

I am very dissatisfied with my credit card purchase on XX/XX/XXXX with XXXX XXXX XXXX. This purchased was made in my home state, Nevada. I purchased my home warranty in good faith for 6 years term and paid {$2300.00} up front. On XX/XX/XXXX, I called XXXX XXXX XXXX to cancel my policy. The reason for cancelling my policy is due to their inability to fulfill terms of their contract by not being able to find an authorized technician for a claim I reported on XX/XX/XXXX. XXXX XXXX XXXX is the worst Company I've ever dealt with. XXXX XXXX XXXX sent me an email dated, XX/XX/XXXX, confirming my policy was cancelled and on their email it stated, '' an applicable credit of fees will be issued to you within 15-30 days ''. 

On XX/XX/XXXX, I called Citicard XXXX  to dispute the transaction with XXXX XXXX XXXX for {$2300.00}. I called and sent numerous emails to Citicard billing dispute department requesting for a call back so we can discuss their outcome and findings and my concerns and no one is responding to my request. I have evidence that are compelling enough to reevaluate my case. The key to any business is communication and common understanding. 

I have tried in good faith to correct the problem and requested my refund with my Merchant ( Citicard ) and XXXX XXXX XXXX since XX/XX/XXXX but as of today XX/XX/XXXX, they are unwilling to issue a credit to my account. I have exhausted all resources available to me in resolving this problem with my XXXX and XXXX XXXX XXXX in which I have been repeatedly bounced back and forth. This frustration is causing much XXXX and time Your assistance is greatly appreciated.

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 2022-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Payments were made in advance on XX/XX/XXXX and XX/XX/XXXX. XXXX applied early payment toward principal instead of the next month. Payment should have been paid early up to XXXX. On XX/XX/XXXX I was notified I was now behind. This was past their XXXX period to change the payments from principal to monthly payments. So now I am $ XXXX behind and they refuse to reallocate the payments made toward to past due balance.

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 2022-08-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: HI

Complaint narrative:
This bill was never mine. XXXX XXXX i do not know anything regarding to this bill that was mail to my name. Please fix 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 2022-08-23 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: TN

Complaint narrative:
There seems to be an error on my consumer report furnished by XXXX  XXXX and XXXX XXXX On my consumer report, there is a late payment reported and a fraudulent account which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX and XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX and XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX and XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX, a natural person/consumer. On XX/XX/2022 I called into Capital One and spoke with an associate by the name of XXXX in reference to the two disputes I have with Capital One. 

XXXX ) XXXX in the amount of {$660.00} XXXX ) XXXX in the amount of {$120.00} The prior representative stated on a recorded line that if the transactions were unauthorized electronic funds transfers as a result of fraud I will need to cancel my current debit card and have a new one issued to me in order to have the funds returned and the case closed out. Per the agent 's request I closed my old card and was sent a new one due to the fraud that has taken place. I informed XXXX that I filed these disputes 72 hours prior to speaking with him and I still have not received my provisional credit pursuant to 15 USC 1693. XXXX stated he would place me on hold while he got to the bottom of the issue. While on hold for 10 minutes XXXX came back to the line and simultaneously I received an email stating my dispute had been denied. I then asked XXXX why was this the case? Also, how was the case reviewed so quickly based off of my call if the charges were over a span of 2 years? XXXX had no clear answers and he was also uneducated in the area of law so I decided to speak with a XXXX. I then spoke with XXXX who was pretty much at the same knowledge level as XXXX as it pertains to the laws that were violated by Capital One to me the consumer. Below are a list of violations that Capital One has damaged me with : 15 USC 1693f ( c ) - Provisional recredit of consumers account 15 USC 1693f ( e ) ( XXXX ) ( XXXX ) - Treble damages 15 USC 1693f ( f ) ( XXXX ) - an unauthorized electronic fund transfer 15 USC 1692h- Multiple Debts 15 USC 1602p- Unauthorized use I advised all of the agents that I have spoken with that this has been completely damaging to me and my family and no one in that company cared to look into the facts to help with the scenario. It seems as though there is a conspiracy to use my identity for fraud and that the company is allowing such to take place on my behalf. I want this matter rectified IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Transunion is govern by 15 USC 1681.And they violated my rights numerous times.

I demand the account listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish this account. XXXX XXXX XXXXXXXX Consumerreporting agencies have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumers. 
There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

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 2022-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
XXXX 's Credit Card uses Comenity Bank, XXXX XXXX XXXX, XXXX, OH XXXX. 
Comenity has charged repeated late fees and exceptionally high interest rate charges to my account even though the account purchases were paid in full. I tried calling the bank regarding the XXXX late fee in XXXX, but the bank was not accepting any calls. The bank had a recording saying they had a system issue and were not charging customers late fees during this period. I asked them to reverse the late fees when I received my XXXX statement. They said since the payments were received 5 days late they could not reverse the late fees. I explained that I had tried contacting regarding the late fees, but they would not accept any customer calls. I now have 2 late fees and exceptionally high interest charges totaling {$86.00} for 2 months. I have now cancelled the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-23 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: National Credit Systems,Inc.
State: LA

Complaint narrative:
I went to XXXX XXXX Apartments Inquiring about a Apartment at the end of XX/XX/2020 I paid a application fee but I never moved in. A debt owed of XXXX dollars was reported by XXXX XXXX XXXX to National Credit Systems saying that I owed the debt for leasing a Apartment which I never did. I was not aware of this debt until I went to lease an Apartment. I contacted the Apartment Complex and they told me they don't keep records of leases over a year. I also had someone else to call on my behalf and they were told they was trying to find the lease. I was denied entry into XXXX XXXX Apartments because of XXXX XXXX XXXX falsely reporting that I owed this debt, which from my understanding is against the FCRA that list civil penalties for people or businesses that willfully refuse to comply with accurate credit reporting and I also understand that actual damages are limited to a range of XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I recently was awere that someone applied for a line of credit in my name, when I am absolutely sure I was not the one who applied to this line of credit. 

Installment Loan or XXXX Bank Account XXXX NORDSTROM/TD BANK USA got a copy of your XXXX Credit Report. 

XX/XX/2022 NORDSTROM/TD BANK USA recently checked your XXXX credit file for an installment loan or new bank account. When you apply for certain types of credit, a hard inquiry is placed on your credit file and stays on your report for about 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 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: WA

Complaint narrative:
I had 2 unauthorized charges made on XX/XX/29 XXXX for {$1000.00} and the 2nd for {$4000.00} Wells Fargo has denied my claim and hasn't stated why

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 2022-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There seems to be an error on my consumer report furnished by XXXX XXXX  and XXXX XXXX On my consumer report, there is a late payment reported and a fraudulent account which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX and XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX and XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX and XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: TN

Complaint narrative:
There seems to be an error on my consumer report furnished by XXXX  XXXX and XXXX XXXX On my consumer report, there is a late payment reported and a fraudulent account which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX and XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX and XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX and XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEALTHFRONT CORPORATION
State: CA

Complaint narrative:
Bank closed my account at there discretion which I find odd Ive had that account for almost a year already and now that Ive deposited a large amount to my cash account they suddenly closed it Prior to it being closed Ive done a bank transfer to transfer my money to my other bank account before it closed I try reaching out several times via phone but goes to a recording

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I sent {$50.00} via Zelle to an alleged company to cover shipping of a package from XXXX to the US. I believe all of the scammers are in the USA though. It seemed legit at first but as the conversation went on and based on the repeated requests for money, the insistence that it had to be received right away and then the fake XXXX  invoice received afterwards asking for even MORE money, I realized I had been scammed. This happened from XX/XX/XXXX through XX/XX/XXXX. Money was sent today. 
The scammers ised the XXXX app and impersonated a popular XXXX XXXX XXXX.

Company response to consumer: Closed with explanation