vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Received a letter dated XXXX from Chase bank asking us to contact XXXX to allow Chase to access credit report. The number on the letter is XXXX. 

My Mother 's name is XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. She died on XXXX 

I called Chase and they refused to take the research the above number. I called the above number and someone answered requesting my SS number. I am confident it is fraud because no reference number is on the letter. 

I called XXXX and they wanted death certificate plus all of my information but it appeared they were not interested in pursuing fraud. 

Someone filed a false tax return for my mother for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I contacted Midland Credit Management in XX/XX/2023 to confirm the debt they claimed was mine from a credit card, and have not received any information for proof of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have received a notification that XXXX XXXX  ( XXXX XXXX ) has made a hard inquiry on my credit repot on XX/XX/2024 without my consent. I haven't shared my credit/social security with any company lately. Not sure where they got my information from. I would like to have the inquiry removed from my credit as I didn't authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I did not give consent to TransUnion, authorization, nor benefit from any of the following inquiries. Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. Please Delete these immediately because I gave No one permission, Nor did I authorized anyone to run my credit, or to release my information ( U. S. Code 1681b, Permissible Purposes... ). I also have the right to privacy according to the FCRA 15 U.S. Code 1681 section 602 A. This is a grave violation of my rights as a consumer, so delete this Hard Inquiry off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX $ XXXX was fraudulently transferred via wire. I got a text from Capital One asking about it and immediately called them to say it was not an authorized transaction but was told it had already been sent. I've been told by Capital One that they issued a recall on the wire transfer at XXXX XXXX. This is somewhere between 1-2 hours after I called them. The money was transferred to XXXX in XXXX XXXX XXXX, UT. Routing # XXXX. The account that received the money is XXXX. Their phone number is XXXX. They have been completely unresponsive to the recall request from Capital One. I have called their member security team but they won't deal with me because the account there is not mine. On XXXX I told Cap One they needed to call them to discuss the situation. There wasn't any confirmation they would do that but they did send another recall request. 

I had another checking account defrauded via debit card on XX/XX/XXXX and my bank immediately returned the money while it was being investigated. Capital One will not return the money and have said if XXXX doesn't cooperate they won't. I immediately alerted them to a problem. It was a wire transfer that could easily have been held until they got my confirmation from the text THEY sent but they sent the wire anyhow. Now they are saying it's my problem and the money is lost! I have no control over XXXX but I can't believe they have the option to not cooperate with receiving stolen funds. I have filed a police and FBI report about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX I received a notification about a hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX. 

I called the company to notify them that the activity was fraudulent and they notified me that the account has been closed, but they would need to do an investigation that could take up to XXXX days before it reaches the credit bureaus, especially Trans Union since that is the only one the inquiry is currently being shown on. 

TransUnion is telling me they need a letter, but I can't provide a letter that I don't have from the lender and I want the inquiry removed from my report ASAP. 

So essentially my complaint is against both the lender and TransUnion for this inconvenience. 

Lender info is 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 2024-02-12 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 am a victim of identity theft, and have reached out to Experian and other credit agencies to remove the fraudulent account that is now on my credit report, from XXXX XXXX XXXX for {$7600.00}. At first i attempted to dispute the account, but I think I submitted it under the wrong category, so it came back verified in a day without any information or proof from Experian that they actually investigated. Since then, I've called Experian and submitted a proper request to block, along with attaching the identity theft report I had filed with the FTC, which is attached here, and I have submitted that and plenty of identity-verification documents to Experian as XXXX the first week of XXXX. 

Rather than comply with the law and block the information immediately, Experian responded that they can not block the account, gave no further explanation, and refused to explain over the phone exactly what the problem is. I am reaching out to you hoping you will make them comply with the law and block this account immediately, as it is hurting my credit greatly and stopping me from getting a car for work.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
15 USC 1681s-7 ( A ) ( i ) RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES : Negative information ( A ) Notice to consumer required ( i ) in general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( P ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) notice effective for subsequent submissions After providing such notice the financial institution may submit additional negative information to a consumer reporting agency described in section 1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I requested to close my credit card account on XX/XX/XXXX, and to be refunded for the annual membership fee of XXXX assessed on XX/XX/XXXX statement. I was asked to pay the balance in full of XXXX, and I did so over the phone with Employee XXXX. I was given confirmation code XXXX as confirmation of my account payment in full with card cancellation request and refund of Capital one XXXX XXXX of {$150.00}. 

Since the representative did not realize my account could not close until AFTER my XX/XX/XXXX merchant dispute with XXXX XXXX for XXXX was resolved, she gave me her reassurance that I would get refunded the {$150.00} membership fee since I called in to Capital One to close my account on XX/XX/XXXX, which was well within the 40 day policy written on the back of the Capital One statement. 

I called again to check the status of the dispute on XX/XX/XXXX and spoke with XXXX and she said the dispute was not resolved yet but she could close the account anyhow, unlike what the first representative had told me. She said I should not have a problem since the first representative noted the day I called in to close the account, and I would hear back from a Caseworker in XXXX to 10 days via a phone call. 

I called back on XX/XX/XXXX since I never heard from XXXX and I was informed by Supervisor XXXX, that a Capone rep had called me but was unable to reach me and did not leave a message. They were calling to say that Capital One declined to approve refunding the {$150.00} annual membership fee. I confirmed that no letter was forthcoming regarding this decision. She agreed that the billing statement section regarding " How to avoid Membership Fee '' was to request to non renew the card in " fewer than 40 days '' after date of assessment and to close the account. XXXX could see my request to close account was timely and there was no explanation for Capital One 's denial.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us bank took a couple of my stimulus checks and said my account was negative which it wasn't. There was fraudulent charges on my account. They also sent me a letter saying to take the money out by such and such date but that date had already passed. They sent the letter out after the date had passed. So there was no way for me to get the money. This all happened in XXXX XXXX I had business accounts. I went into the bank and tried to get the money explaining this was emergency money and they refused.

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 2024-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX  has been reporting negative and incorrect information to all three credit bureaus. The alleged debt shows to a XXXX XXXX account. Not only do I have XXXX recollection of a XXXX account, the account is also being reported while clearly ignoring FCRA and FDCPA. Not only is the account not validated, following multiple written requests, the alleged debt is listed as a collection item, while simultaneously reporting a past due balance ( not a revolving account ) and reporting late payments every 30 days ( again, not a revolving account ). This is clearly against both FCRA and FDCPA, and XXXX XXXX lack of communication and/or attempt to fix the errors has caused a tremendous negative effect to my current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
In XX/XX/2023 I was forced to buy another airline ticket from XXXX XXXX in the amount of {$1400.00}. I had previously purchased an XXXX XXXX ticket but at the airport that previously purchased ticket could not be used due to a visa issue. The issue is I was already allowed to check-in by XXXX XXXX XXXX They did not discover the visa issue until I had checked in. At the gate and way before the previously purchased flight was to take off XXXX XXXX, XXXX and I found another flight they were going to transfer me onto that would require no visa. The problem was XXXX XXXX had a system issue and could not uncheck me in. They tried for four hours before the original flight was to take off, even calling their top support but was unable to do so. What that meant was they could not transfer my ticket to a new flight. XXXX XXXX apologized several times and indicated they never had this problem before. Since I had to get to my destination I was forced to purchase another ticked and request a refund - per XXXX XXXX at the gate since it was their system problem that caused this. 

My issue now is Sam 's Mastercard is refusing to consider any information I have sent then on multiple occasions and have refused to call me to discuss despite my numerous request and emails. All they to rely on what XXXX XXXX has sent to them back in XXXX of XXXX  stating no refund. Sam 's Mastercard continues in its failure to listen and consider the information I have sent to them. 

Also note XXXX XXXX, has never responded to my same complaint.

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 2024-02-12 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: CO

Complaint narrative:
Improper credit reporting can have serious consequences for consumers, affecting their ability to secure loans, mortgages, and even job opportunities. Ive discovered inaccurate entries on my credit report, it's crucial to take action. I recently looked at my report on XX/XX/XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are not complete and accurate. 

XXXX XXXX Account number XXXX XXXX  Account number XXXX Also, according to 15 USC 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

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 2024-02-12 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: Credit Karma, LLC
State: TN

Complaint narrative:
Was claimed to be ore approved for loans and was denied which resulted to XXXX points on credit score in less than a year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo Class Action Suit Claim I had two home loan mortgages with Wells Fargo during the period of XXXX - XXXX. I believe that my home mortgage rate should have been much lower than what was offered to me at the time of my refinancing and was not given an opportunity for a lower rate. In addition, I believe that my closing cost was grossly overstated which was forced to pay. 

Please investigate these issues. My home loan mortgage account numbers are XXXX ( year XXXX ) and XXXX ( year XXXX ). 

Thank you for your cooperation in this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX phone : 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 2024-02-12 00:00:00
Product: Credit 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: OH

Complaint narrative:
long long long process : 17 was STOLEN from my card. it was FRAUD. while Citibank examined this fraud, they told me NOT to pay the card. I did not. THEY INSTEAD PENALIZED ME FOR LATE FEES and REFUSED TO TELL ME THE BALANCE on what I purchased. THey reportred me to all XXXX credit bureaus. 

I AM PAYING NOW : 1. my balance LESS the late fee because they told me to NOT pay the card while it was being investibated for FRAUD for XXXX THey need to : REMOVE my name from XXXX, XXXX XXXX and the other crediit organization because they made my credit go from XXXX to XXXX I called htem, wrote to them, wrote to their exec team, complained to XXXX XXXX involved my lawyer XXXX XXXX XXXX These people are absolutely disorganized. happy to provide all XXXX plus correspondence. 
THey need to CLOSE MY CARD wh ich I have asked over and over and over and over again. are they just plain STUPID

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 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Synovus Bank
State: PA

Complaint narrative:
I opened this account through my bank XXXXXXXX XXXX. I wanted to be able to accept credit and debit card payments for my business account. I initially was not aware it was a 3rd party I was being connected to. I was connected to XXXX and set up the mobile apps and everything as they instructed. I sent {$1.00} as a test payment that was supposed to be reversed the following business day which would have been that Monday, XX/XX/XXXX that I have yet to received till this day. I completed my very first job for my company on XX/XX/XXXX which was a Saturday. According to the contract the funds were to be available within 24hours. I called and was told because the transaction occurred on Saturday it created a hold up. I was then sent a email approximately XXXX on XX/XX/XXXX saying I had to provide documentation of my contract and the services my business provided for me to receive my money, that was already removed from the customers account. I was made promises on several different occasions that at least the money would be reimbursed to the customer. Even in the event it finally is sent to the customer, if they decide not to pay me what situation could that leave me in. The practices of this business are completely unethical, they are untrustworthy, & as long as they have money that doesn't belong to them they committed a crime and abused their power to the furthest of their capability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have had a card with Victorias secret for years. Covid job loss got me behind on my payments. I got all of this caught up and closed the account in XX/XX/XXXX. I have asked on many occasions to change my pay date as it is a real problem for me. They refuse. I put in a payment in XX/XX/XXXX and they didnt process the payment for 3 days. They said the payment wasnt paid and I was charged a XXXX late fee and a XXXX returned check fee. It also took XXXX points from my XXXX report for one late payment. The card is consistently adding interest and fees, even though the account has been closed. They reported to a credit bureau that I was using 102 % of my credit when my limit is {$700.00} and I owe {$570.00}. That is not 102 %. They are XXXX to destroy peoples credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 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: CA

Complaint narrative:
XXXX XXXX $ ATM withdraw shown on my statement I did not withdrawal any money on this day and i filed a dispute transaction with Wells Fargo Bank with no success, Iam on SSi payment and I can not afford loosing near all my month money I am behind on my bills .Please help

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