vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I noticed I hadnt received my package after it was said to be delivered I called the customer service at Capital One to dispute the charge because the company refused to help stating sales are final. Capital One provided a provisional credit until the investigation had been completed. Upon completion of the investigation the bank ruled against me & my account was overdrafted over XXXX dollars. I am now attempting to open an account with a credit union years later but this prior transaction is impeding the process. I called Capital One to retrieve information on said dispute. Upon receiving the information on the investigation, there is nothing that proves I have received the package & the investigation says that the package was left in a mailroom of an apartment complex I was living in at the time in XXXX XXXX. The apartment complex has over XXXX units but only shared XXXX mailroom. Now Capital One is insisting that I received the package & is refusing to reverse the issue even though I never physically received the package.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to inform you that my Social Security number has been compromised, and I am a victim of Identity Theft. 

See attached

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 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Received a fraudulent/phishing/scam email from " Paypal '' stating that there was a payment request from a XXXX XXXX for {$590.00} it then provided a number to call if I did not recognize the seller. I called the number XXXX and a man with a foregin accent answered. I only provided him with my name and then I believed fraud had been committed on my account. He then immediately disappeared from the line and I heard some kind of chime tone or hold tone. I hung up and then checked the actual email address the email came from which was XXXX which would NOT be Paypals actual email I don't believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY 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 2024-06-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Sher & Shabsin PC
State: MO

Complaint narrative:
Contacting my employer for a XXXX XXXX XXXX debt for garnishment that is not my debt. 
XXXX XXXX REQUESTED BY SHER AND SHABIN P C XXXX ACCOUNT XXXX XXXX XXXX The collection company forfeited all rights when bankruptcy was filed in 2022 Also, I have been a victim of collection and fraud scam Identity theft Trying to force me to file a XXXX  XXXX, to add debt to my name that is not my debt.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.

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 2024-06-17 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: DC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-06-17 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: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My Barclays XXXX credit card was charged interest of {$1.00} for the statement period XX/XX/XXXX - XX/XX/XXXX. Per the attached billing statement, the previous balance as of XX/XX/XXXX was {$570.00}. Per the statement, Payments of {$640.00} were made so, the balance was paid in FULL plus and EXCESS of {$67.00} but, interest was still charged. 

Additionally, on my Barclays Upromise credit card statement for the period XX/XX/XXXX - XX/XX/XXXX, interest of {$14.00} was charged tot he account. Per the attached statement, the previous balance as of XX/XX/XXXX was {$890.00}. Per the statement, Payments of {$1100.00} were made so the balance was paid in FULL plus and EXCESS of {$270.00} but, interest was still charged.

Barclays is clearly charging interest to customers on a regular basis and is not crediting the error UNLESS, the consumer contacts them to request the credit. This is an ongoing issue with the bank which has not been resolved since it is also occurring on another credit card which I have with Barclays, the XXXX XXXX AAdvantage credit card. 

They appear to be in violation of double-cycle billing which was banned in XXXX. 

" One Method That's Been Banned In years past, some credit card companies used a method known as double-cycle billing, which based its calculations on the customer 's average daily balance over the last two billing cycles. That sometimes resulted in cardholders paying interest on debt they had already paid off. The practice was banned by the Credit Card Accountability Responsibility and Disclosure Act of 2009, better known as the CARD Act. ''

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The company name is XXXX heres there # ( XXXX ) XXXX & my identity was stolen from me XXXX yrs ago and this person made bank accounts and opened credit cards and purchased things with my name and social and its been on my credit & Ive made a police report and a FTC report and its still reporting to my Experian credit file the other Credit Bureaus removed it and this is the only one left. Im starting a family and Im in the process of purchasing a house and this one fraud active is in my way of my future.

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 2024-06-17 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: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I contacted the bank as someone reset my pin. I am traveling in XXXX for XXXX  months, they told they would send a pin, which took 2 weeks.I tried the pin, didn't work.I call again, say I am without any funds, and can't get in my account online either. They tell me to fly back the USA. Which is ridiculous! They finally give me, after requesting a supervisor, a number to reset pin. She says many people have been having problems with it not working. Doesn't work for me either. I have XXXX friends in USA try it for several days, Doesn't work! I now suspect fraud on my account, but Fraud can't help me because I have no pin. I am totally locked out now. No response to my emails and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: OH

Complaint narrative:
I took out Sallie Mae loans for my XXXX XXXX All student loans that I took out are deferred XXXX XXXX XXXX XXXX XXXX XXXX Sallie Mae began paymentXXXX XXXX XXXX XXXX XXXX XXXX. As I XXXX XXXX XXXX XXXX XXXX XXXX, they also began reporting to the credit agencies. The impact that it made on my credit report is impairing my ability to continue to receive financial aid in order to XXXX XXXX XXXX XXXX The impact that these loans are having on my credit are also impacting my ability to find a home for myself and my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I currently owe XXXX  of dollars out of pocket to XXXX XXXX XXXXXXXX XXXX as a result of Sallie Mae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX I was notified by XXXX XXXX that i owed on an account that was opened without my knowledge. I am a victim of identity theft and my information have been exposed in Experian data breaches. I am not sure who would do this so here is the ftc report attached to this complaint. The company XXXX XXXX have been sending me threatning letters saying they have send the account into collections which i have demanded them to delete and there have been no resolution. This is causing my Credit to tank and has caused alot of stress and I need this fixed as sooossible.There is also inquiries that have been added to my credit that was not made on my behalf. here is a list of the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On Tuesday XX/XX/XXXX, I logged in to my account to check my account so I could do a wire with XXXX like I always do and I noticed XXXX dollars was taken out of my account via a check. The odd part is I never received my checks and had previously contacted XXXX XXXX  company about them. Apparently they never put tracking on them and can't even verify where my checks went or who signed for them! My checks were stolen and someone took out XXXX from my account and they were able to cash it out without any security alert at my bank, call, or text which I find extremely odd! I use PNC Business Banking but after this issue I am reconsidering going to another bank!! I was told on XX/XX/XXXX to go to the bank and fill out an affidavit form and the bank would notarize it and send in and I would get the credit for my funds within 10 days while they process the fraud claim. TILL DATE, no one has been able to give me correct information, I still don't have the affidavit and I don't see how my bank is helping me solve this fraud issue! Everyone is saying different information and I would like this issue solved as soon as possible because I need to pay invoices billed to my business ASAP!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
on friday of XX/XX/XXXX i went to bank of amarica to withdraw funds from my account and they stated i couldn't get my funds because of the it being closed i called the bank and customer service number and ask what and why my bank was closing they stated there was no reason why and that bank of amarica was just going to close it i said ok but can i get my funds and they satated no i wasn't able to get my funds out my account then i called back on monday and they stated that they were still going to hold my funds until further notice and didn't give a reason why behind it ... its been 2 days

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found some accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please, remove the fraudulent accounts from my credit report as soon as possible.

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 2024-06-17 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: MO

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-06-17 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: U.S. BANCORP
State: IL

Complaint narrative:
I noticed XXXX credit inquiries on my report that I did not authorize nor do I have knowledge of : XX/XX/year> made by XXXX XXXX XX/XX/year> made by US BANK Again, I did not authorize these nor do I have any knowledge about these inquires. I would like both of these hard inquiries removed from my credit report. I called XXXX and they told me they have no record of this inquiry yet this check appears on my credit report from them. US BANK also provided me no information.

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 2024-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2024-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
On XX/XX/year>, at XXXX Central Time, I received a text message from the number XXXX claiming to be Harris & Harris collections asking for {$43.00} on behalf of the XXXX XXXX XXXX before I received any notice from from the XXXX XXXX XXXX 


" Benjamin , Harris & Harris-collects for XXXX XXXX XXXX Balance : {$43.00} To Pay : XXXX : XXXX or call XXXX Reply STOP to stop '' After confirming with the Oklahoma Tax Commission that I did not owe any money I called Harris & Harris and was connected to a very uncooperative operator. 


- The operator wouldn't give me confirmation via email that my info was removed from their system, even through I owed no debt. 
- The operator wouldn't give me a straight answer if the Debt would hit my Credit Score, even though it was not in my name. 
- Contacted me about my brother " XXXX '' even though it was my number.

Company response to consumer: Closed with explanation