vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-20 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: NY

Complaint narrative:
I made an initial complaint XXXX, and it closed but I am not happy with the results. 

Some charges were reversed but not all. 

If you read my complaint and through my conversations with the bank I stated correct the mistakes, close my card, and stop charging membership fees. I have not used the card in a year because of this problem and they are charging me late fees after telling CFPB to close it he complaint I guess that all was fine. That is surely not the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-20 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
A Hawaiian Airways Master Card was opened using my information. 
This is fraud. I noted it on my credit report on XX/XX/23 and asked the Barclay Bank of Delaware to close account and I reported it as fraud. The address associated with fraud account is a XXXX in XXXX Florida XXXX XXXX XXXX XXXX XXXX, FL XXXX Barclay Bank XXXX XXXX XXXX XXXXXXXX, XXXX, Delaware XXXX XXXX. 

I have contacted the Barclay Bank on the following dates to close the account and report fraud : XX/XX/23, XX/XX/23, XXXX, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. I have received written correspondence ( I gave them my address ) which state that the account is under investigation. Every time I called the credit card company I am told it is under investigation. My credit report through XXXX showed that the account was closed and under investigation. On XX/XX/23, I noted that my credit score fell XXXX points and that the account was open and balance past due. I called again and was told that I would have to wait up to 90 days for the investigation to clear up. 
My credit is declining and the bank is very slow to clear up this matter. It is 100 % the bank 's error to give a card to a person who is not me. I appreciate your 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
Consumer complaint received 2023-02-20 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello there, So on XX/XX/2023, I received notification from my bank and XXXX XXXX app stating you had a single hard inquiry on your XXXX credit report, and while I opened my credit report, I saw there was one hard inquiry from COMENITYCAPITAL/SEPH on XX/XX/2023. When I XXXX it, I found this is the Sephora credit card, but I never applied for this card and have not even applied for any other credit card or loan since last 6 months. 
So please dispute it and suggest to me what to do about this theft of my personal information. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NC

Complaint narrative:
Dear CFPB, I went in branch to open a new personal checking account at US Bank in XX/XX/2022 with the promo as following : Earn {$500.00} with total direct deposits of {$6000.00} or more, Enroll in online banking, Complete two or more direct deposits. I satisfied the conditions, and it has been over 60 days, but I do not see promotional credits posting on the account. 
This has been very frustrating experience for me! 
Please kindly advise!

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 2023-02-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello I had my account used fraudulently I noticed it when I seen money deducted from account when they withdrew and purchased also some charges not gone through I contacted the bank instantly because I had no idea how. Im in awe becasue I think my account information might be stolen as Im writing this I think its when I share my data to purchase something online but I dont know because they went to a local facility so I dont know who it might be. I contacted Bank of America I submitted a claim. Bank of America did nothing 1-2 days later the closed the case litterly after I told them I had never shopped at the stores they went to. I called back to tell them they made a wrong decision even when its clear as daylight. They reopened the case and still have not refunded the money the total is {$1500.00}. One being XXXX another being XXXX XXXX  and other being XXXX XXXX XXXXXXXX XXXX. And another a food place they went near the XXXX XXXX I called the XXXX to see where they put the delivery or what and they couldnt give me nothing. Im going to have to close this account and change banks. I had been with this bank since I got a bank account but after this I will need to with fear they can see my balance and more. 

Dates : XXXX XX/XX/XXXX {$200.00} XXXXXXXX XXXX XXXXXX/XX/XXXX {$1000.00}, {$25.00} {$250.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$27.00} XXXX : {$1500.00}

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 2023-02-20 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
The account is showing on my consumer report as a charge-off. It is illegal to furnish income on a consumer report. A charge-off according to the IRS is income, and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer report immediately. 
My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumers informed use of credit. At the time that I entered this alleged consumer credit transaction, I was uninformed and did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your companys lack of full disclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
On XX/XX/2022, I reached out to CFPB to resolve an issue I was having with One Main Financial. The complaint ID is XXXX. Due to the nature of the loan or the loan originating out of fraud, One Main Financial agreed to waive all interest and late fees from the account. Per my credit report, they have been reporting the late fees and interest fees after the agreement had been reached. I harassed on a daily about late payments or resuming the payment of the fraudulent loan. When I tried to pay on the balance I was told the account was sent to collections. If the loan was originated fraudulently and One Main Financial is fully aware that this was done on their behalf due to an employee they hired, why are they able to make these reports on my credit profile. I am seeking immediate assistance. I do not think that is ethical they have employees stealing from their customers and then they are able to make reports on your credit profile because they messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: PA

Complaint narrative:
Paramount Recovery Systems has reported an 2017 medical debt as a new debt. This debt was disputed and closed, complaint XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This collection agency took my personal information from the previous collection agency that I had closed and removed from my credit report due to account being over 7 years ago therefore this account was deleted from my credit reports. Under the law ( 15-U.S.C. 1692 te seq. ) and under ( 15- U. S.C. 1681 ) I am a victim of fraud as its listed on all 3 credit reports and dont recall the collection charge from 10 years ago the statue of limitations will apply to this collection my information should of never been given to this collection company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with CAPITAL ONE AUTO FINANCE via XXXX XXXX XXXX ON XX/XX/2022 A consumer credit transaction in which a finance charge was involved.15 U.S.C 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but CAPITAL ONE AUTO FINANCE, and or XXXX XXXX in fact took {$5000.00} cash. The finance charge is supposed to include insurance but CAPITAL ONE AUTO FINANCE, and or XXXX XXXX XXXX made me purchase insurance separately. I was also forced to purchase a an extended warranty as well. CAPITAL ONE AUTO FINANCE and or XXXX XXXX XXXX failed to provide disclosure of obligors right to rescind under the provisions of 15 U.S.C 16

35. Further pursuant to 15 U.S.C 1640 they are now criminally and civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I spoke with my VA medical rep XXXX about Carter- Young Inc a debt collection agency for XXXX XXXX XXXX XXXX. I informed XXXX that I have tried to resolves the matter for over a year with no avail. Carter- Young Inc refused to remove any and all information pertaining to this account claiming they needed permission from the XXXX XXXX XXXX XXXX remove or update any information. I stated to Carter - Young Inc, Do not call me anymore unless you can prove that the account has not been paid. I assure you that the VA has taken care of this matter, I spoke with the Accountant at XXXX XXXX XXXX to make sure they had everything they need to process this claim. Carter - Young continued to call me and harass me even after I explained everything. At this time XXXX stated she would make contact with Carter - Young to resolve this matter. XXXX and myself did a conference call with Carter - Young Inc Rep XXXX, she was given the same information that was previously provided from me at an earlier date. XXXX was able to locate the file and she was given numbers to call if the company had any issues with updating the claim. XXXX stated that she would send the information back to XXXX XXXX XXXX so it could be properly processed and updated. XXXX stated she would do the same and explained to XXXX how the process works, XXXX asked if anything else was need to let either one of us know. XXXX also explained to XXXX that the medical bills have been paid and she is not sure why they haven't updated their system, but they definitely need to do so as this issue is causing undue stress to the Veteran. I agreed with XXXX. To this day Carter -Young continues to place these accounts in collections : XX/XX/XXXX for XXXX usd and XX/XX/XXXX for XXXX usd giving a total amount of XXXX usd.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2023-02-20 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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 found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2023-02-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/2022, I signed up for the PayPal Cashback Mastercard. I was responding to a promotion whereby new card members who spend {$500.00} within 90 days would receive a {$150.00} bonus. I did not receive the bonus, as promised in the promotion. I called the customer service number, who referred me to PayPal. PayPal referred me back to the issuing bank. I tried calling the bank multiple times with no resolution.

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 2023-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MO

Complaint narrative:
Went to get a mortgage on my house was told upfront all I had to pay was a XXXX fee for credit score andXXXX fee for appraisal fee then 3weeks later thet are telling me I need to get septic lagoon inspected and pay for that they werent upfront with the fees and stuff loan depot lied to me about all the fees and didnt disclose this one to me to me thats fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc.
State: CT

Complaint narrative:
In 2010, I went to college. I was able to get a loan with XXXX XXXX student loan with a co-signer. However, they lied about the student loan. They also hid high interest rates/ fees and the amount of money I have to pay back. I was XXXX! years old, lived in a inner city community and all I wanted to do was go to college. I took a XXXX loan and now I owe XXXX? I have been paying this loan for over 11 years ; I paid my loan through the pandemic and I still owe a lot. I tired so many times to refinance/ co-signer release ; but i was denied. I am trap in this loan ; XXXX XXXX purposely targeted me ; because I was unaware of all the fees. Also, they stated I will receive XXXX percent off if I graduate ( XXXX ). I still havent seen it. I currently have XXXX XXXX XXXX.

Company response to consumer: Closed with explanation