vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Fraudulent Charge Details : XX/XX/2021 - XXXX - XXXX XXXX XXXX / Reference # XXXX / Posted on XX/XX/2021 for an amount of {$59.00}. 
There was a fraudulent charge posted to my XXXX  XXXX 's Visa credit card account which is managed by Bank Of America. After I had noticed the charge on my online statement, I had notified the bank of such. 
I have had this fraudulent charge opened and " investigated '' now seven times without proper resolution as each time it has been denied without any explanation or detail as to why.

I have requested from the bank for information and documentation about the charge, the order, and the merchant seven times without it never once being provided. 
The bank representative on the phone was never able to tell me any details of the merchant, I never receive a phone call from a supervisor about the merchant, and I have never received any detailed paper documents of the merchant or the charge/order. Each time, the representative says that they have submitted for the documentation to be mailed to me or a supervisor to call me, but no response ever comes. The bank once claimed to have a package with a USPS tracking number, but has not provided the number nor what the order or the contents were supposed to be. 
To be clear, as I had told the bank, I did not place nor authorize any such order and I have not a clue what it is supposed to entail. I have not received any such kind of package/order and have no documents of such. I do not even have a XXXX account nor do I do any business with them on any sort of regular basis and I certainly do not know who or what XXXX XXXX is. I truly do believe this charge to be some sort of scam and I am completely frustrated with the bank for not giving the claim its due diligence or proper communication to me. 
As such, I have no information or details of the charge, order, or merchant other than what has been posted to my account which has been provided above this writing. 
This charge has been in on-going dispute since around that time and the most recent denial letter was posted to me on XX/XX/2021, received on XX/XX/2021. As I am not able to have any effective communication or resolution with the bank, I am reaching out to you, the CFPB, for help and I thank you in advance for any and all help you can provide.

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 2021-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
The month of XXXX my promotional period for three items came to an end and they told me I had 30 days to make the payment of {$2800.00} to have the interest reversed I made the payment at the end of XXXX and Ive been calling them for one month to get my credit interest of {$1400.00} which I was charged due to the promotional period ending. As of today XX/XX/21 they tell me the amount that I paid which was the XXXX was the wrong amount they gave me. I made over 5 phone call in the month of XXXX and no one said this to me until today.

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 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
In response to capital Ones " position '', You Capital One stated " After conducting a review of your account, we made the decision to suspend and close your account on XX/XX/2021. We appreciate the additional information youve provided ; however, after further review, we can confirm that our decision will not be reversed. Please be assured that the decision to suspend and close your account was based on business concerns that did not relate to your credit worthiness. '' Pursuant to 15 usc 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Capital One utilizing my account in anyway without my permission an I have no benefit. Your customer agreement does not trump federal law and any federal judge will agree in the court of law. Why is Capital One sharing my private account information without my permission which is not only a violation of 15 usc 1602 ( p ) but also a violation and breech of my privacy as a federally protected consumer and natural person. As a courtesy I will forward all correspondence, violations of FDCPA, TILA and FCRA that your company has violated along with accompanying federal regulations to your states attorney general for further investigation into your corporations operations and practices. I will have your state attorney general launch an investigation into your unauthorized use of my account and personal information that you have shared without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XXXX of XXXX, I spoke to the leasing agent of the apartments I was living in at the time about needing to move out of the city due to certain personal reasons. In XXXX and XXXX of XXXX, the owed debts were reflected on my credit report. As the statute of limitations in Texas for debt collections ( not considered mortgage debt ) is a maximum of 4 years, I have disputed said debts with the reporting credit agency. However, my disputes were resolved and resulted in the debts continuously being reported on almost 7 from the date of my first delinquent payment. I also would like to highlight section XXXX of the Texas Property Code which states that debt is owed only until a replacement tenant is found. Though I lack proof of any leasing tenants after my move out date, with the entity being located in a prime real estate market ( XXXX XXXX County - XXXX, TX ), I feel that it is more likely than not that the unit has held subsequent tenants. 
Thank you for your time and help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
This was a car loan that was taken out by me and miss XXXX XXXX and she turn the car in and when they sold the car they never try to reachout to her and only went after me in the process and when I asked for verification of debt the paperwork was not the original paperwork it was a whole different company and then they did not want to fix it and they have been garnishing my pay check for the last at least 2 years with no real proof

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 2021-09-09 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: IL

Complaint narrative:
I sent a dispute letter to Experian about a bankruptcy that they are reporting on my credit report. Their answer was that they verify the account with the furnisher, but the furnisher which in this case is the court send me a document saying that they don't share information with the bureau. XXXX has failed to send me proof of verification including method of verification as they are required by the law. Attached are the previous letters I sent to Experian.

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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX was added to my credit report as my employer. This is incorrect reporting and i want this removed immediately. I do not work for 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 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have paid this account on time and have never missed a payment. I always mark that the payment is due by the XXXX of each month on my calendar. Today, XX/XX/21, I remember that the payment was due and attempted to pay it online like I always do... but saw that the company has already put a {$25.00} late fee on my account when. It was XXXX XXXX  and the company would not credit my payment ( {$25.00} due ) to today. It forcefully applies the money to the next day and charges me the fee. Then, I read the info online where it said that the payment is due by XXXX XXXX. I never knew and did not agree to that specific term when I signed up for the credit card. 

I called Capital One and both the first level worker and then the supervisor refused to credit my account for the fee. My complaint is that the payment was made TODAY which is still the XXXX. Every other account I have considered after XXXX XXXX  the deadline for each day. Capital One is very cold and unhelpful. Every time I speak with them, they act like the don't value my business and are inflexible with their policies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Large amount cryptocurrency in Coinbase and account locked and no ability to unlock or access or visualize in 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: MD

Complaint narrative:
US DEPT OF EDU Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX I did not open these accounts. I was never made aware of the opening of these accounts. I have never knowingly paid any money toward these accounts. These fraudulent accounts are being inaccurately reported by Equifax, XXXX, and XXXX. US Department of Education and State of MD XXXX are harassing me for payment but have never responded to my disputes or validated these debts. It has been well over 60 days since I disputed these accounts. I have not received a response. Remove these account immediately or I will sue. My right to privacy has be violated repeatedly. I have not gave anyone permission to furnish this information on my consumer report. My information has been violated by the Equifax Data Breach. I am a victim of identity theft. I have submitted multiple copies of my identity theft report and they refuse to block this information from my consumer report. No debt collector has provided me with documentation of my signature validating these accounts. I have submitted affidavit. This information needs to be removed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a phone call from First investors stating I was 60 days past due on my car loan, however this was not true. I made a payment of {$2500.00} in XXXX, however first investor charged the {$2500.00} twice, so my financial institution removed {$2500.00}, which left {$2500.00} posted to the account. I explained to the representative from First Investors and they determined it was an error on their end. On XX/XX/XXXX, I found 3 " 60 days late payments '' posted with XXXX, XXXX and XXXX. I called on XX/XX/XXXX and was told they don't see where it was reported late and told me to email them, which I did on XXXX XXXXFirst Investors have failed to respond causing significant damage to my credit rating.

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 2021-09-09 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: MO

Complaint narrative:
After a review of my credit report, I discovered accounts unknown and unauthorized by me and these accounts in questioned are hindering me from buying a house, So Im demanding that these accounts be blocked and removed from my credit files. 

1. XXXX XXXX {$110.00} 2. XXXX XXXX {$960.00} 3. XXXX XXXX {$350.00} 4. XXXX XXXX XXXX XXXX {$120.00} 5. XXXX XXXX XXXX XXXX {$1500.00} 6. XXXX XXXX XXXX {$2300.00} 7. XXXX XXXX {$120.00} 8. XXXX XXXX {$130.00} 9. XXXX XXXX  XXXX {$610.00} 10. XXXX XXXX  XXXX {$830.00} 11. XXXX XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX I received in the mail by package the mortgage application from the Wells Fargo Bank in Minnesota. Settlement and processing are to be made known to me but never were for three months after I called the consultant XXXX XXXX about the status of my application for the mortgage loan a VA Mortgage originally applied for then the paperwork stated a VA/HUD addendum and confusion exists now. What caused that and a form from the VA was resorted to unknown to me and not informed about forms as that leading me to believe I would have the mortgage loan soon. After calling in months I was informed of being declined because of a FICO score not giving me options a lie arose somewhere in the bank. Unfair and discrimination against me! I want to sue the Wells Fargo Bank for {>= $1,000,000} for the abuse and my rights violated as a Veteran and XXXX too. And homeless.

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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX was added to my credit report as my employer. This is incorrect reporting and i want this removed immediately. I do not work for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This tried to illegally collect on a debt I received a letter that they would sue then I received a letter from the courts stating the case was thrown out but its hasnt been removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion is not allowing me to log into their " free website '' to check my scores and make necessary disputes. I have submitted disputes from months ago but still have yet to get an update on my score or address the incorrect information on my credit report. 

I need access to my information without being forced to pay for something when it is free. 

I submitted disputes regarding hard inquiries that weren't authorized. Also there are medical collections on my account which is a HIPAA violation and insurance already paid for it. 

my score dropped XXXX pts for no reason

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 2021-09-09 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: LEXISNEXIS
State: TX

Complaint narrative:
I have been going back and fourth with Lexis Nexis and the bankruptcy they are reporting on my credit report. The first complaint I filed with them they said it was a matter of public record, BUT there is no such thing as public record because I, the consumer, have a right to privacy 15 USC 1681 ( a ) ( 4 ). They also stated they investigated it but 15 USC 1681a ( e ) states that they need to interview my personal associates as well as not include factual information. Additionally, the bankruptcy court already told me that they do not furnish anything to consumer reporting agencies. After the first complaint I filed they said they needed more of my identification information. So I sent them a copy of my social security card in addition to identification papers they sent me.They responded by sending me a copy of my consumer report on XX/XX/XXXX. They are in clear violations of these laws, and they have yet to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: MD

Complaint narrative:
US DEPT OF EDU Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX I did not open these accounts. I was never made aware of the opening of these accounts. I have never knowingly paid any money toward these accounts. These fraudulent accounts are being inaccurately reported by XXXX, Transunion, and XXXX. US Department of Education and XXXX XXXX XXXX XXXX are harassing me for payment but have never responded to my disputes or validated these debts. It has been well over 60 days since I disputed these accounts. I have not received a response. Remove these account immediately or I will sue. My right to privacy has be violated repeatedly. I have not gave anyone permission to furnish this information on my consumer report. My information has been violated by the XXXX Data Breach. I am a victim of identity theft. I have submitted multiple copies of my identity theft report and they refuse to block this information from my consumer report. No debt collector has provided me with documentation of my signature validating these accounts. I have submitted affidavit. This information needs to be removed IMMEDIATELY.

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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Santander reach out to me in XXXX of XXXX rescinding my loan terms. In a letter I received it sums it up as they tricked me into the loan, however when I call and email I've received different answers. 

I sent multiple emails and all they do is put me in extension plans that have killed my payoff amount. At first I assumed it was ok because of the loan coming off my report however its months later and they still are reporting me late while Im actually in an extension plan. Santander truly seems not to care which makes me believe they've decided the pay out is worth the confusion and damage to the consumer report. 

I'm trying to get my credit together and it's confusing how in accurate the reporting is. I was told that because there was a judgement against santander I should try the CFPB. 

I have more details and can add it just gets exhausting explaining this store again and again. I'm looking to have Santander Remove the loan from my report or report it accurately... 

Santander Consumer Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
equifax is not giving an update. I have submitted disputes from months ago but still have yet to get an update on my score or address the incorrect information on my credit report. 

I submitted disputes regarding hard inquiries that weren't authorized. Also there are medical collections on my account which is a HIPAA violation and insurance already paid for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: TX

Complaint narrative:
Check deposited and withheld I have XXXX kid on XXXX  so all funds are accounted. Now i have to wait to access funds bc of an overdraft I allowed Netspend to get months again. I use this card as my payroll after speaking with someone for over an hour not one person directed me to where I needed to make the payment so that funds could be used. Selfish company

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