vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-07 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1990 Credit Bureau Name : Experians, XXXX and XXXX. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern, I am writing you because you are reporting increase on my credit port, that I do not recall please see items list the below : Creditor name : XXXX bankXXXX XXXX XXXX  XXXX XXXX bank, XXXX XXXX XXXX, XXXX financial, XXXX Auto, XXXX dealer, XXXX XXXXXXXX bank, XXXX auto, XXXX XXXX  bank, XXXX  financial, XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit Please forward me any documentation, providing proof I apply for credit with this creditors. If you can not provide such documentation, then please remove inquiries from my credit file immediately sincerely, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Started a new job in XX/XX/XXXX. ( GOV ) My direct deposit was not submitted on time therefore I was issued a paper check for my 1st week of work. Check was sent my mail issued by Us Treasury. Which arrive to my mailbox 3 weeks after official pay date. 

I Deposited the check in the cap one mobile app. I then received an e-mail from capital one that my funds would be available in 7 days or so. 

Then I received another email stating We're restricting your Capital One 360 account ( XXXX ) until we can verify your recent account activity. 

I called and they needed to verify check.???? Didn't make sense, they clearly know then can verify using the Treasury verification check website, which I did myself.I provided number to my gov office HR. It's been a month and I have no access to my money or savings account. I can't even make credit card payments. Locked of of my capital one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The act of fraudulently obtaining and using another persons identifying information or personal financial documents, such as a signature or bank/XXXX account, usually for the purpose of financial gain. 
Identity theft is the act of stealing another persons personal identifying information in order to gain access to his financial resources, or obtain access to other benefits, such as money, credit, or insurance benefits. Identity theft, sometimes referred to as identity fraud, is a crime that carries serious consequences. To explore this concept, consider the following identity theft definition

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 2023-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a message on my phone to confirm Chase credit card transaction, I replied with NO, as requested in the message as I did not perform the action then received another message that someone from chase bank will call. I received a call from chase bank No. ( The same No. at the back of my Debt ), the person introduced himself as a Chase bank officer told me that my credit and account was compromised and that I need to open a new account, he walked me through the app to transfer the money to the new account and give me the name of XXXX XXXX as bank officer and I transferred {$7500.00} to the new account, I was told that I will receive another call and I need to confirm the action, when I asked how I would know that I am speaking with Chase Bank, he told me to look to the number he is calling from and compare it with the number at the debt card back and so I did and it was the same number, later I received a call and I was asked to confirm the transaction and I replayed that I confirm the transaction for opening new account. After few minutes I checked my account over the bank application and found out that the {$7500.00} withdrawn from my account and no change on account number, I called the same number XXXX XXXX XXXX XXXX and I was told that the bank called only one time to confirm the transaction and it was confirmed and completed and this is not considered as a fraud as I performed and confirmed the transaction myself. I sent to chase bank all what happened through the secure message center and they replied that they will get back to me within 1 business day. Chase called this morning and informed that they already contacted the bank the money was transferred to, and the bank replied that they can not do anything. 

I believe the bank should have helped more and secured my money back for the following : 1- The fraud/scam call that I received was from Chase bank number, same # at the back of Chase Debt card. The bank never informed me as a customer that a call from Chase Number might be a scam.

2- I called the bank 10 minutes after the incident, the transaction was still pending, and the bank refused to call the transaction off, due to the fact that the scam call came from Chase Bank Number , they should have procedure to stop transaction even if transfer was confirmed first time.

3- The Bank should educate the clients with possible scam calls or fraud, but we never received relative information from the bank. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Grain Technology, Inc.
State: MI

Complaint narrative:
In XX/XX/2022 my account was locked and I could not get back into the account to pay my bill I reached out to grain but did not receive any help. They reported me late to the credit bureau. But they also took a payment that month. I managed to get back into the account by acting as if it was a new account but a week after I was locked out again. I now have 4 missed payments from them the most recent being in XXXX but I can pay my account because I dont have access to my account they have the ability to take payments whenever they want in XXXX they took 2 payments from my account. Ive asked them to just take whatever I owe and close the account but I havent gotten any response back when I check reviews there are hundreds of reviews saying the same thing and my fianc has grain and is going through the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to you because you are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: MN

Complaint narrative:
I was approved for the PNC XXXX XXXX XXXX credit card ending XXXX on XX/XX/2022 with a promotional offer of {$200.00} if {$1000.00} of purchases is completed within 90 days. We are well into XXXX and PNC has yet to provide me with the credit card. I have contacted them several times and they have stated " due to a vendor issue there is a delay in printing and mailing the cards '' my card is still " pending ''. So I've already lost a month of the promotional period. I've requested that they extend the promotional period due to the time lost to their " vendor issue ''. They have refused. I propose as requested relief that they credit the promotional bonus of {$200.00} to my statement without me needing to make {$1000.00} in purchases. Initially I was going to do my XXXX shopping with this card. But XXXX has come and gone. It is deceptive for them to say I have 90 days when they take several months to send me the card. Clearly they knew of this " vendor issue '', yet they made no effort to inform me of it when applying for the credit card. They have lied, and refuse to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX Comenity Capital Bank Accrued Interest - {$920.00} Had 18 mos promotional plan -exp, XX/XX/23 My last payment due is {$1200.00} ( payoff ) Monthly due payment paid on time paying more than the required minimum payment. However, last XXXX I missed the payment and told the bank the reason why I was late. It as due to my XXXX pain and a fall injury that I was not able to check my mailbox which was located across my house. I told them that I would payoff the loan and late fee which was {$1200.00} plus {$30.00} late fee but beg them to kindly waive the accrued interest of XXXX, I believe that I should not be enalized for that, since I was consistently pay payment on time but unfortunately I missed the LAST payment. I am retired, and living on pensions and I always maintain my credit in good standing. I feel that it was very unfair for me the late fee. I also wrote Comenity Bank  about this complain. Please help me resolve this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One or XXXX has failed to show a {$6000.00} account that was fraudulent. That was never on my credit report. Neither part has shown verification of report nor have I found in in my annual credit report. I never had a XXXX XXXX XXXX my XXXX account got hacked in 2015 by someone in XXXX and then my XXXX was hacked a month later. At the time I worked to much didnt know what to do and didnt know any one had cards or loans in my name. Anyone can steal your information and activate a credit card. They need to photo Id

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Solutions, LLC
State: GA

Complaint narrative:
Asset recovery sent a letter offering a settlement amount. I have no contractual agreement with asset recovery. The statement date on the letter says XXXX. The letter mentioned that I had until XXXX to accept the offer and to stop collection attempts. Well I spoke with a representative by the name of XXXX on XX/XX/2023 at around XXXX. I called in to say that I would like to settle the amount owed if they are able to provide me with the original account number so that I can make the payment online via XXXX. Asset recovery wasnt able to provide me with a correct account #. The letter that assets sent me shows an ID and a 16 digit account number. The letter only shows the last 4 digits of the account number and the other remaining digits are have a asterisk. I asked two different representatives for the account number and the first one had no idea what I was referring to. So she referred me back to XXXX the account XXXX XXXX provided me with the Id number which was 8 digits long and an account # that was only 9 digits. Which is clearly isnt correct info according to the statement letter that I received regarding this debt. So it seems to me that there is no original instrument of indebtness in existence since Assest recovery wasnt able to provide me with the original account number thats needed in order to pay the debt online on there site ( XXXX ). Which again should settle the matter legally and financially. I would appreciate it if you would review my documentation and obtain a statement of facts from XXXX XXXX XXXX outlining why they can not produce the original account number/contract, and why their debt collection agency Assets Recovery is unable to provide me with the original account number. 

Now I came to find out they reported this debt to the credit agencies but they are unable to provide me an accurate account number/validate the debt. This is a flagrant violation of Fair Debt Collection Practices Act 15 U.S.C. 1681et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1990 Credit Bureau Name : XXXX, XXXX and XXXX. 

XXXX : XXXX XXXX XXXX, XXXX, tx XXXX XXXX : XXXX XXXX XXXX # XXXX, XXXX XXXX, nv XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX To whom it may concern, I am writing you because you are reporting increase on my credit port, that I do not recall please see items list the below : Creditor name : XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Capital one auto, XXXX XXXX XXXX XXXX, XXXX dealer, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, capital one auto, XXXX XXXX, XXXX XXXX XXXX ; l, Capital One, XXXX, XXXX XXXX, XXXXXXXX XXXX  Please forward me any documentation, providing proof I apply for credit with this creditors. If you can not provide such documentation, then please remove inquiries from my credit file immediately sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I wrote a goodwill letter requesting late payments be removed also cares Act ( 15 U.S.C. 1681s 2 ( a ) ( 1 ) ( f ). ) to stop adverse credit reporting during COVID-19 crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NV

Complaint narrative:
I wrote a goodwill letter requesting late payments be removed also cares Act ( 15 U.S.C. 1681s 2 ( a ) ( 1 ) ( f ). ) to stop adverse credit reporting during XXXX crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
In accordance with the fair Credit Reporting act CB Indigo has violated my rights. 
! 5 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 A section 2 it also a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 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 2023-01-07 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: MI

Complaint narrative:
On XXXX XXXX & Transunion responded to my dispute to this public record being reported on my credit report stating it was verified accurate by primary creditor is bankruptcy court. So on XXXX 2023 I wrote us bankruptcy court asking them to verify this information. In which on XXXX is bankruptcy court responded they do not report to the credit bureaus. This is a Violated Of My FCRA 611 ( 15 U.S.C 1681 ) This Information must be Removed!

Attached is my letter along with us Bankruptcy court response

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 2023-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Opened a Citibank basic checking account on XX/XX/XXXX, online. When opening this account I funded this account with {$15000.00} from my XXXX  account. The funds cleared my XXXX  account on XX/XX/XXXX. I then received my debit card and registered this on XX/XX/XXXX. At that time ( on XX/XX/XXXX ) I requested an additional {$10000.00} to be transferred from my XXXX  account to Citibank, the same bank that had previously {$15000.00} clear with no issues. The transfer cleared my XXXX  account, with my legal name on XX/XX/XXXX. Starting on XX/XX/XXXX, I was unable to login to my Citibank account and called ( XXXX ) both on XX/XX/XXXX and XX/XX/XXXX in order to resolve this issues. I was told the {$10000.00} was flagged for " fraudelent '' activity, even though this came from the same bank account my original funds came from ( with no issues ). As of XX/XX/XXXX I was told my account was closed and it would take 30-60 days for those funds to be mailed to me via check. Subsequent to that phone call I received a text alert ( even though I could not login to my online checking ) that the {$10000.00} cleared on Citibank with no issues ( on XX/XX/XXXX ). This is an un-acceptable time frame for me to without this large sum of funds. I except a resolution ( checked mailed or funds returned via ACH ) in a timely manner ( less than 15 days ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: OH

Complaint narrative:
I applied for a loan with Spotloan on XX/XX/XXXX. They approved me for a {$500.00} loan with a lengthy repayment schedule and high repayment amounts. I called Spotloan to ask about the interest rate and how my payments would be applied to repaying the loan. I wanted to make sure I could pay it off quickly. I did not want to make payments til XX/XX/XXXX like the payment schedule showed. But I didnt know how my payments would go towards the principal and interest. 

The representative told me he couldnt tell me until after I had the loan. He said he couldnt see my interest rate and didnt know how my payments would be applied. He said I had to call back after I had paid he loan. So I waited and called back. Another representative told me I was being charged interest daily! The interest always made the amount owed more than my payments. Every time I made an online payment, my balance got higher. Furthermore, the balance they would email me didnt match the balance when I logged onto my online Spotloan account. 

My plan of paying this loan off quickly was ruined by the way they are handling the interest. I never would of accepted the loan if I knew my payments werent going towards paying off the loan. The should of told me upfront. They also need to let me know my actual balance and not give me conflicting information. I want to resolve my debt with this company. But I also want to report their deceptive practices. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate My car was taken as well as my social as well as my sons I have monitored my credit for the past months as well as paying for the identity theft service. 
XXXX bank account is fraudulent I have contacted them personally in which I am waiting for a response. 
I personally enjoy sofi for which I use them for my online banking but this credit situation is quite frustrating.

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