vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/2022 I notified Capital One via telephone and their Web site that my XXXX account ending in XXXX was being used to attempt 2 fraudulent purchases at Walmart. The Capital One agent advised me that they had also observed an attempted fraudulent purchase at Saks Fifth Avenue. Capital One told me they would close the account and issue a new card and mail same to me. Less than one hour later on the same day, I logged into my Capital One online account, noticed that Capital One had already issued a new XXXX account number ending in XXXX. There was already a fraudulent charge on the brand new replacement account number, for {$100.00} at XXXX. I called CapitalOne again to report the new fraud. The representative first told me to call XXXX, and I told him that I did not even have possession of the new account number, let alone the card, and could not have made a transaction. I asked that the pending transaction be immediately declined. The representative and his supervisor both refused to immediately decline the pending transaction, even though I was reporting it fraudulent. Supervisor said she would cancel the replacement card and issue another one ( second fraud replacement in one hour ). I asked how Capital One would guarantee the security of the second replacement since the first replacement was compromised within thirty minutes ; she could offer no answer. At this point I requested the supervisor close my credit card account in its entirety, since I can not trust the card issuer to maintain the integrity of their account holder 's personal information. I still do not know when or if Capital One will reverse the fraudulent XXXX charge on the " replacement '' account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Hello CFPB, I am submitting a claim regarding some violations with some Debt Collection Agencies that have impacted my Consumer File greatly, these fraudulent actions have made it impossible for me to obtain credit to purchase a home. 

I would like to file a complaint on CB Indigo Account # XXXX in the amount of a {$300.00} Credit Limit account is showing on my consumer file as delinquent. 

I recently reviewed my consumer file and currently educating myself on my Consumer rights and violations and noticed my rights have been violated, I have received numerous of letters as well as unauthorized calls and scare tactics advising I could be sent to a collection agency and according to 15 USC 1692 ( c ) Communication in connection with debt collection. My rights were violated by not receiving my prior consent given directly to this debt collector nor the express permission of a court of competent jurisdiction, a debt collector may not communicate with me the consumer in connection with the collection of any debt. I did not give my express consent and my rights have been violated. I have screenshots and letters along with the Company 's logo showing communication which I will provide in 15 USC1692 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I had a HELOC loan with PNC bank which was paid in full and should have been closed on XX/XX/2021. It is still shown as active. This is adversely affecting my credit rating and my ability to secure a mortgage. I have called twice with no change in status on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NV

Complaint narrative:
I had my stimulus payment deposited in my NetSpend XXXX XXXX XXXX  account. I verified funds deposited at atm. {$1700.00}. I went to withdraw money a week later at the ATM and the balance was XXXX. I opened a dispute for the entire amount stolen. They ended up giving me {$1500.00}. back into my account. The missing {$230.00}. They kept as a fee for the dispute. My gripe is how can they charge me a fee to get money back from they're mistake. This is on my XX/XX/2022 transaction statement. There were no transaction 's done by me until after the account had been recredited the funds. The made a mistake and paid over a XXXX reoccurring charges without my card being used and without any authorization from 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 2022-08-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a citi savings account on XX/XX/22 and transfer {$24000.00} from my own salary accounts to Citibank savings account via ACH transaction. Suddenly, Citi closed account on XX/XX/22. Citi held all funds. Customer service would not tell me why. They kept saying that I had to wait for a letter, which had a reference code. I really don't care if citi wants to close my account. But in the meantime, I have NO ACCESS to my money. I have already been waiting for a month- and citi still just keeps telling me " 30 to 60 days ''. This is ridiculous that I am unable to access my own savings. I had considerable amount saved there. I talked to at least a few different fraud analyst and they have a standard script to repeat every time. NO ONE at citi will tell me if my account is still being " reviewed ''. If, or when, my account will be closed.

NO ONE at citi will tell me when their so-called " 30 to 60 day '' timeframe starts or ends. This is an open-ended, non-defined, ongoing timeframe.

NO ONE at citi will tell me by what date I will be receiving a check for my balance - or the amount it will be.

I am running out of money that I had in my savings account and I need my money. I don't know what to do at this point.

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 2022-08-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reached out to the credit reporting agency about a dismissed bankruptcy on my account. It states its from the US BKPT CT FL XXXX XXXX. This public record is inaccurate and I disputed it and the findings was the credit bureau received from XXXX XXXX. I reached out to the court to dispute and they advised they do not report or subscribe to the credit bureaus or have an open case in my name.

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 2022-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Earnest Inc.
State: PA

Complaint narrative:
I refinanced my private and federal student loans through Earnest. I feel the company took advantage of me by knowing my expenses and monthly income and charging me a very high monthly rate. Right now the amount I am expected to pay is 30 % of my monthly income which is very hard for me to afford. I have contacted them numerous times in which they only gave me forbearance for 3 months which does not solve my long term problem. This student debt is a heavy burden on me and it takes most of my monthly income leaving me just being able to pay my bills and barely afford to live at a normal means. They have offered me no other options besides this 3 month forbearance or acquiring a whole new loan that only lowers my monthly payments by {$100.00} and increases my total loan by {$30000.00} more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: FL

Complaint narrative:
I had my Florida XXXX unemployment compensation disbursed to the Way2Go Card provided. Each time my benefits were debited to the account they were immediately credited back under a 'Transaction Type ' called 'RETURN UNPINNED DEPOSIT '. 

I have tried to connect Way2Go multiple times and they defer to Florida XXXX. However, Florida XXXX does not answer their phone and their offices have been closed during COVID. I have been trying to resolve these issues from XX/XX/XXXX!!!!! 

I contacted the customer service phone number for Way2Go at XXXX ten times through XX/XX/XXXX- they even charged me {$0.00} for each phone call. There is a record of this on my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Capital One Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion and XXXX has me listed as N/A when lenders are trying to verify my identity. When I log into my account with both credit agencies I am unable to see any of my credit information. I have extensive credit history. Transunion admits the problem is on their end and that it would take a week to merge my files. My files are now merged and I am still unable to view any information to dispute. After numerous calls to resolve this issue, I am still left unable to access my credit file and lenders are currently not able to verify my credit history. I have sent XXXX my personal documents to verify my identity as they recommended. To date I am still unable to view my credit profile online and lenders are not able to verify my credit history. I dont know what else to do to regain my credit history. This is affecting my ability to secure housing.

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 2022-08-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone opened couple accounts in my name using my information that theyve stole somehow I didnt know how they took my information but they did I believe it probably happened when Im doing online purchases and Im always using my information applying for something I XXXX  my drivers license and bank card and the information is stored and thats how I believe they was able to get ahold bid my personal information and use it against me and apply for different bank account regions bank is one now Im getting calls and letters sent to me for 2 accts I have know nothing about totaling over {$1000.00} and another acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX  I dont know what to do about this Im at my wits end Im thinking about just filing for bankruptcy and just start all over

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 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XX/XX/XXXX I began a reduced payment plan with Citibank for my cash rewards card. During the reduced payment plan the representative stated that as long as I had the payments deducted on time that would prevent any negative reporting to the reporting agencies and keep my account in good standing. By XXXX XXXXCitibank collections team contacted me stating that I needed to make a payment in order to get my account caught up. I informed them that I was on the reduced payment plan. The collections department informed me that while I was on the reduced payment plan the payments were not bringing my account up to date. In XX/XX/XXXX Citibank agreed to have payments of {$190.00} automatically deducted for XXXX, XXXX and XXXX to bring my account current. XX/XX/XXXX I was notified that my account was closed without any written correspondence. When I inquired with Citibank why my account was closed despite making all payments I was told to apply to have the account opened. I completed the application and Citibank denied my account be re-opened and yet wanted continued payments on the account. Citibank also has been robo-calling my phone to collect on the account which is a direct violation of the Telephone Consumer Protection Act ( TCPA ).

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 2022-08-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed accounts about 3 weeks ago. They removed some but not all. I need them to remove the remaining accounts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed accounts about 3 weeks ago. They removed some but not all. I need them to remove the remaining accounts that are not mine.

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 2022-08-24 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:
In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX - XX/XX/XXXX Transferred, closed. {$22000.00} - # XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX - Collection Account {$4400.00} - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Collection Account - {$950.00} - # XXXX XXXX XXXX XXXX XX/XX/XXXX - Account Charge Off - XXXX - {$270.00} - XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an Account without my written instructions.

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 2022-08-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX - XX/XX/XXXX Transferred, closed. {$22000.00} - # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Collection Account {$4400.00} - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Collection Account - {$950.00} - # XXXX XXXX XXXX XXXX XX/XX/XXXX - Account Charge Off - XXXX - {$270.00} - XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an Account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reached out to the credit reporting agency about a dismissed bankruptcy on my account. It states its from the US BKPT CT FL XXXX XXXX. This public record is inaccurate and I disputed it and the findings was the credit bureau received from XXXX XXXX. I reached out to the court to dispute and they advised they do not report or subscribe to the credit bureaus or have an open case in my name

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 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Though I messaged within my account twice ( XXXX and XXXX ) and called twice ( XXXX ) requesting my XX/XX/XXXX statement, I still have not been provided it. It isn't posted with my other statements. 
When I received the XX/XX/XXXX statement before getting the XX/XX/XXXX statement, I initially thought that the XX/XX/XXXX statement was just mislabeled as XXXX instead of XXXX but upon further review, the ending balance for XX/XX/XXXX was different than the begining balance shown on the XX/XX/XXXX statement so either I'm falsely being charged or I need to be provided my XX/XX/XXXX statement. When I called, the representative said there was a system update that caused the XXXX statement not to post along with my other statements. Either way, I need to be provided my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed accounts about 3 weeks ago. They removed some but not all. I need them to remove the remaining accounts that are not mine.

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 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hi, I'm writing on behalf of my daughter. On XX/XX/XXXX she was the victim of a sophisticated scam that first preyed on her mother, and then her. In short, her mom gave scammers access to her phone via the XXXX app. Through her mom 's phone, they texted my daughter ( pretending to be her mom ), and told her " These guys are helping me ; do whatever they tell you ''. So she did, performing a series of XXXX and XXXX transactions on her phone per their instructions ( her mom had done the same and lost several XXXX $ ). 

Her mom appealed to Wells Fargo 's fraud department right away, filled out police report, etc. On XX/XX/XXXX, to make things right for her mom, Wells Fargo took {$3500.00} out of my daughter 's account ( in batches of {$3200.00}, {$200.00}, {$100.00} ) to transferred it to her mom 's account. My daughter 's account had less than {$100.00} in it at the time, so she was left with a balance of - {$3400.00}. 

When I called Wells Fargo to ask how they can fix one person 's problem by stealing from another, they simply told me that " She should go talk to her mom ''. Furthermore, a letter from WF in response to her fraud claim told her that she had " authorized '' those transactions and so there was nothing they could do. This does not address the fact that a ) WF clearly took money from my daughter and gave it to her mom, and b ) whether my daughter authorized a transaction or not, money can not be withdrawn from an account if it's not there ; this is not a credit card. So it seems WF decided they only had enough budget to pacify one of the two victims by stealing from the other. 

My daughter filed a CFPB complaint ( XXXX ), but WF responded the same : she authorized these transactions etc. 

As a side note, I am following up on my daughter 's behalf because she is incapable of doing so herself. Besides just having started school again, she is suffering a significant amount of XXXX and XXXX because of this, and fears the collection agencies. 

My daughter 's and her mom 's bank statements are attached. Note the matching XX/XX/XXXX transactions performed by WF that transferred a total of {$3500.00} from my daughter 's account, putting it into her mom 's.

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