vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 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: PA

Complaint narrative:
I continue to experience issues with this bank 's mobile and online payment feature function. On XX/XX/2021 ( two days after my payment was due ), I contacted the bank 's Customer Service and Technical Support divisions to determine the source of the errors and make sure my account was current and in good standing. I have had the account for nearly ten ( 10 ) years. I was told the late fees and interest would be waived. Today XX/XX/2021, I noticed that the late fee was waived but the interest of {$14.00} was not. I spoke with three representatives. XXXX, ID number XXXX was rude and told me to close my account if I was not happy with the interest fees but they would not be waived as there was no notation of recurring technical issues with the payment function ( s ) on my account nor was there any indication that late or interest fees would be waived on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX  my wallet was stolen. I contacted the credit card companies and informed them of the thief. I asked for my account to be frozen and to not allow transactions. Most of the card companies complied and where very helpful, however for what ever reason a couple of the cards allowed transactions and placed me in debt. I tried to work with them and bent over backwards trying to keep the accounts paid until they could fix my account. I asked for a fraud investigation on the transactions and nothing was done. I was forced to work with a Debt Consolidation Company to try ad salvage my credit. The accounts discussed have been paid as agreed. Chase Bank has kept an amount on my credit which has been paid through consolidation even though they caused the balance by not freezing my account when my property was stolen. 

They received and agreed amount and with this they agreed to report paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. 

XXXX XXXX shows the account as paid, however they should be reporting paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. XXXX XXXX let several transactions through before they froze the card as well. 

XXXX XXXX corrected the account however the reporting is incorrect. They need to update the account to paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance paid as agreed. They are still in the process of trying to give me back the settlement amount paid as it was due to thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NY

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NV

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have unauthorized inquiries on my report and I need them removed. Ive filed disputes already amd now I need the removal of these items expedited. 
These following inquiries were unauthorized : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/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 2021-08-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have unauthorized inquiries on my report and I need them removed. Ive filed disputes already amd now I need the removal of these items expedited. 
These following inquiries were unauthorized : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I received an alert on my mobile phone saying {$500.00} were being drafted thru XXXX. I immediately contacted Wells Fargo Bank. They took down my statement - fraud against my savings account of {$500.00} thru their XXXX program. They sent me a letter XX/XX/2021 telling me the claim was closed and would be taking the {$500.00}. I then called them to dispute this charge once again. They further indicated that reason was because " other bank '' did not return the funds to Wells Fargo so I was stuck with the fraud. I do not appreciate it because someone committed this fraud. I did right thing by notifying Wells Fargo immediately. They failed to collect the funds that started with their online services XXXX. I demand a full refund {$500.00}. Thank you. I need to be made whole.

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 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
National Credit Systems first sent me a letter to collect a debt of {$2400.00} in XX/XX/XXXX. The letter stated that I owed XXXX XXXX XXXX  {$2400.00}. I disputed the claim immediately with XXXX. It was not taken off my credit report. I felt I didn't own this money because I had tried to move out over a 4 year period and the landlord refused to let me out of my lease. Each time I would give her notice she would tell me to wait till the last day of the month in my lease to move, then she would threaten eviction sometime in the last two months because my new place wasn't quite ready, I would sign a new lease to keep from being homeless. I partially cleaned up the apartment ( so the landlord should have kept my deposit and that all ). Left the apartment, Almost like it was when I move in 7 years before.

She did not go to court to put it on my credit report but worked with this credit collection agency to establish this false claim. National Credit Systems ( XXXXXXXX XXXX XXXX XXXX, GA XXXX, phone number : XXXX ) refused to send any statement listing as to why I owe this money. XXXX XXXX, the guy that oversees this account claims to be an attorney and has threatened to garnish my check in the XXXX of XXXX. I took them to court in XX/XX/XXXX and lost because this is legal in the state of Mississippi and I did not have supporting documentation at the time of why I felt they owed me XXXX dollars. On XX/XX/XXXX, I received a letter offering a resolution in the amount of XXXX dollars. On XX/XX/XXXX, I paid {$1200.00} for a resolution and report it to XXXX but it is still on my credit report today. The credit collection agency is still asking for another XXXX dollars, although they ( collection agency ) asked for the resolution. They have changed the original date of the complaint to XX/XX/XXXX. They also change the reporting date with other reporting agencies ( XXXX  and XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
this debt is the result of identity theft and in no way shape or form was was this authorized 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 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 
15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. 
Bank of America has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Bank of America has disabled accesses to my account but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 
15 U.S. Code 1602 - Definitions and rules of construction ( 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.

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 2021-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Apelles, LLC
State: FL

Complaint narrative:
On XX/XX/21, I was contacted by XXXX, who did not want to identify the company she represented. After repeated requests and having to talk over her, she finally revealed her company as Apellus, and when I refused to give her my personal information ( because to my knowledge, I have no business with Apellus ), she stated she was ending the call and " it's on you ''. I called back to confirm the company name, as her hastiness and rudeness made it difficult to understand the company name she gave me, and XXXX again did not want to identify her employer without first obtaining my personal information. To date, I have received nothing to identify who this company is or what business they presume to have with me - which also violates my consumer rights and laws governing debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed this account. I feel that this account is adversely affecting my credit report I have disputed and contact them numerous times in reference to this account I've also provide them with a identity theft report this account is hindering me from purchasing my dream home. 

XXXX is the 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 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed this account. I feel that this account is adversely affecting my credit report I have disputed and contact them numerous times in reference to this account I've also provide them with a identity theft report this account is hindering me from purchasing my dream home. 

XXXX is the Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed this account. I feel that this account is adversely affecting my credit report I have disputed and contact them numerous times in reference to this account I've also provide them with a identity theft report this account is hindering me from purchasing my dream home. 

XXXX is the 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 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: GA

Complaint narrative:
The first dispute occurred while I was on XXXX XXXX for the XXXX in XXXX and XXXX of XXXX. I was not allowed to use a computer or able to access my mail to pay my Discover card bill during this time. I made a dispute with all 3 credit Bureau and Discover Card and they refuse to help or remove the error based on the circumstance. My account has been paid and in good standing since then and shouldn't be on my credit report due to the fact that I was not aloud to use a computer per orders from the US Govt at the time. I have uploaded my orders to this file. The second dispute I have is with a company called XXXX XXXX XXXX Account XXXX which was just placed on my credit report as of XX/XX/XXXX. The debt is from a company called XXXX XXXX. They say that I owe them {$1100.00} for a normal physical I had got last year XXXX. A physical that my XXXX XXXX  should have paid for. Even XXXX shows I had active and valid insurance during this time. XXXX had sent me a bill for this physical for {$260.00}. I made a complaint with them about this because was and issue with my XXXX insurance not being active at the time because I had just got off XXXX XXXX orders in XXXX of XXXX. I ended up paying the out of pocket cost of {$260.00} back in XXXX of XXXX. I uploaded and provided a screen shot of the paid bill and a XXXX balance on my XXXX account per their app. Which is the same cost for the physical that I had one month ago. 

This is related to complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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:
Unauthorized reporting and inaccurate information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
On XX/XX/21 I made an ATM deposit at my local bank that I have an account through. This was a personal check totaling {$3100.00}. On XX/XX/21 the check showed AVAILABLE in my account ( not pending ) then about an hour later the positive amount disappeared from my transaction history and was replaced with a XXXX charge. The bank originally said the funds would be available later in the day on XX/XX/21. When they weren't available the bank stated that the funds were on a hold and would be available on XX/XX/21. The bank could not or would not explain where the transaction of XXXX came from or why it is pending in the account. On XX/XX/21 the positive addition of XXXX showed up, but the XXXX is still showing and again the supervisor avoided answering why this charge was on my account. The only description for this charge is " Standard '' there is no debit card or check linked to this charge. Now the bank is saying the funds won't be available until tomorrow XX/XX/21. 
I want an answer as to why they took XXXX and where that money is. This has caused {$800.00} in overdrafts in my account due to the mysterious charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I received a debt card that was linked to a Wells Fargo checking account that I did NOT open. When I called Wells Fargo to alert them of this they asked me A LOT of security questions and asked for my social security number ( which I did not give them ) they basically kept suspiciously asking me for this information, even transferring back to forth to others that would then ask me for my social security again.. They also told me they couldn't " CLOSE MY CASE '' without me giving them my social. I explained that this account was opened fraudulently and I was not comfortable giving them MORE of my secure personal info. I was very displeased on how they handled this and it was very suspicious.

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 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I attempted to opt out of The Work Number they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed this account. I feel that this account is adversely affecting my credit report I have disputed and contact them numerous times in reference to this account I've also provide them with a identity theft report this account is hindering me from purchasing my dream home. 

XXXX is the Balance

Company response to consumer: Closed with explanation