vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Collector on the phone stated my debt was being reviewed by their lawyer/law department. This debt is a credit card debt over 3 years, its at least 7 years and in NY state you can not sue for a debt over 3 years old

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I tried to use my capital one quicksilver card last week and it wouldn't process. I called capital one and they said my account was closed which I had no knowledge of. They wouldn't give me any information as to why it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am unable to pull the information. However, I received overdraft fees. My personal Information was also leaked through a breach in the company.

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 2023-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XXXX made an incorrect insurance payment to the wrong account back in XXXX and also paid my correct insurance payment. 
my insurance company could not refund the money because they did not service that account. 
I have called several times to rectify the situation I would ask for a manager they would say theyre not available and that I would get a call back ( I never received call backs ) I was told that they corrected the account and I would get a corporate advance in the next 7 to 10 days and then when I would call to check on it, it was never done.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2023 I was informed that my bank account was closed for no reason. I had at least {$400.00} in my account that I desperately needed but I wasnt able to touch my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank refuses to open a review or dispute transactions saying I didnt report my card stolen even though its 2023 and everything down to debit cards are digital!!!!! Im way to busy to go through every transaction on the mobile app I hired a financial advisor and they saw these transactions and I refuse to lose my money I dont use my debit cards everything is XXXX XXXX I lost everything I refuse for TD bank to give me this unfair decision I dont know how those transactions were made or what manner I just know I didnt authorize any of the payments I disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
please consider our request to release funds for the transfer to the supplier of goods from XXXX. We made a transfer dated XX/XX/2022 in the amount of XXXX USD from the settlement account in XXXX Bank ( XXXX ) to the settlement account of the Supplier of Goods XXXX XXXX XXXX Bank XXXX XXXX XXXX ( XXXX ). The funds were transferred through the correspondent bank XXXX XXXX XXXX - JPMORGAN CHASE BANK , N.A . and on XX/XX/2022, the money was received on the correspondent account of BANK XXXX XXXX, XXXX XXXX : XXXX. swift message number XXXX. to date, the money is in the BANK XXXX XXXX account and is not returned to us or transferred to the final recipient at XXXX XXXX Bank XXXX XXXX XXXX ( XXXX ). XXXX XXXX Bank XXXX XXXX XXXX ( XXXX ) responded to an official request with information that the funds could not be received due to sanctions against XXXX XXXX XXXX ). Please consider the issue of refunding funds to the settlement account of XXXX XXXX XXXX ) from the settlement account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ON XX/XX/23 I SENT A CERTIFIED DISPUTE LETTER TO TRANSUNION REGARDING INACCURATE ACCOUNTS ON MY CREDIT REPORT. AS OF TODAY XX/XX/23 THEY HAVE YET TO RESPOND. ACCORDING TO THE FAIR CREDIT REPORTING ACT, CREDIT REPORTING AGENCIES MUST INVESTIGATE ALL DISPUTES AND RESPOND WITHIN 30 DAYS FROM THE TIME THEY RECEIVE THE DISPUTE LETTER. TRANSUNION HAS FAILED TO INVESTIGATE MY DISPUTE OR RESPOND IN A TIMELY MANNER.

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 2023-07-26 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
I am with Credit Acceptance they take XXXX every XXXX weeks which is XXXX monthly. I have started this loan on XX/XX/22. They dont offer refinancing and I do believe that I was tricked into it by the dealership and I am looking for a lawyer

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am unable to pull the information. However, I received overdraft fees. My personal Information was also leaked through a breach in the company.

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 2023-07-26 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: FL

Complaint narrative:
I was a victim of identity theft. I had alerts on my credit reports. All credit reporting agencies, XXXX, Transunion, and XXXX were not allowed to give out my credit report information without first contacting me and me allowing and verifying that I auhtorized it. They are not doing it. I have Hard Inquiriess on all my Credit Reports and they will not remove them. They know they XXXX  up. Please make them remove all Hard Inquiries from my Credit reports. Thak you

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This inquiry is not authorized and was done by the creditore without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I closed my credit card account with TD Bank but companies were able to continue charging my account even after my account had been closed. 
I was also not given any statement and was notified by mail that my account ( that I had closed months prior ) was overdue. Therefore, there was no way for me to know that these charges were continuing to be made to my account. 
With any of my prior credit owned and closed, I have never had a credit card company continue to allow charges on an account that had been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We were charged fees on our Chase credit card that had a XXXX balance. We called the company and decided to close the account. The representative on the phone said the charge would be reversed and the account would be closed. We continue to receive emails about additional fees, late notices and threats to report us to the credit bureau. We called the company agian to review the problems and were assured that all fees would be removed and the account would be closed. Last phone conversation was in XX/XX/2023. Just received on XX/XX/2023 an email saying our account had been closed due to non payment and that we still owed all the fees charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26 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:
Request for Investigation please. the inquiries that I did not authorized are in the letter already. please review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to 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 2023-07-26 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: MN

Complaint narrative:
Personal Statement I was incarcerated for 8 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries and accounts on my credit report that i wish to be removed : ( inquiry : XXXX XXXX ), Account # XXXX ( XXXX XXXX ),. These above accounts and inquiries has violated my rights. The court FCRA 15 USC 1681 B states that any close account, late payment account, collection account, charge off accounts, must be removed. 15 USC 1681 section 602 Alpha states i have a right to privacy, 15 USC 1681 604 Alpha section 2 states A consumer reporting agency can not furnish a account without my written instructions, or consent. All the above accounts and inquiries is unauthorized and should be disputed from my ChexSystem Report and all 3 Credit Bureaus XXXX XXXX And TransUnion Under the laws of the FCRA ( 15 USC 1681- 1681u, these unauthorized inquiries and accounts must be removed immediately please and thank you

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 2023-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
i have a collection account on my credit report from portfolio recovery which is the company that purchased the fraudulent account from a company by the name of XXXX XXXX in the amount of {$1100.00}. I recently found out about my rights as a consumer to dispute fraudulent charges even if they are already on my credit report. I have tried to dispute this account on the XXXX website as well as by mail. I believe i mailed the validation letter in XX/XX/2023. I was sent a credit card statement as supposed proof that i owned the fraudulent account. There are currently remarks on my credit report stating that portfolio recovery did a FCRA investigation and that the customer does not agree. I do not agree to paying these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in XXXX I had a dispute with Bank of America regarding unemployment benefits and the was told that the dispute was denied. However, upon opening a new unemployment claim in XXXX I have discovered that the claim was later approved and funds were allocated to a dummy account without my knowledge or consent. A debit card was sent to XXXX XXXX XXXX XXXX even though that is not my address and they continue to send statements and dispute letter and debit cards to that address despite numerous escalations from my sponsor to update the address, email and number on file and constant request from me to do so as well. I even filed complaints with the OCC to no avail. They provided me with false statements that showed refunded or pending transactions as if they were final and still refuse to give me access to my actual account generated by my sponsor. They have since denied my dispute that I filed on XX/XX/XXXX after constantly pleading for assistance. It was horrendous. They blocked access until I literally coordinated with the guy at the address to let him know that I am now aware and that if I didn't receive the debit card being sent the police would be involved. Finally, I was able to activate a card and gain access to see that they just opened this account in XXXX XXXX after my new EDD claim was approved and started putting funds from the old dispute from XXXX into it but was missing a lot so I did the best I could to research and disputed the additional transactions from 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 monetary relief