vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have had a banking relationship with Capital One since XX/XX/2022. Since that time, I have not had any overdrafts, bounced checks, and have maintained a positive balance in my accounts. On XX/XX/2022, I was approved for a XXXX unsecured credit card with a credit limit of {$500.00}. I always kept my usage at 8 % -11 % and made payments before due date. Having the ideal banking relationship was extremely important to me because I was building my credit in preparation for buying a home next year. 

For this reason, I was taken aback when Capital One abruptly and arbitrarily closed my XXXX Capital One credit card account on XX/XX/2022. After speaking with various customer service specialists, I was informed that the decision was made because Capital One has discovered adverse past or present legal action involving an individual or entity associated with the account. After receiving this upsetting news, I received an email informing me that my bank account will be closed on XX/XX/2022 for the exact same reason. This notice was emailed to me on today, XX/XX/2022. 

These accusations are not only outlandish but defamatory. I have no fraudulent or legal action that would warrant being treated this way. I even made one last attempt to resolve the issue by calling Capital One yet again. I even offered to send in any supporting documentation that could clear my name. However, the Customer Service specialist stated that her hands are tied since the bank made the executive decision to close all accounts associated with me. 

There is no merit to these accusations and Capital One has made it clear that they will not be reopening any accounts, now or in the future. Therefore, I have decided to file a formal complaint. I am clearly being discriminated against and Capital One has no grounds to close any accounts or make such claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I checked my balance on my XXXX XXXX XXXX with Bank of America and the transactions shown that a XXXX cash withdrawal was made on my account the last time I used my card was with the bank at a different location

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 2022-09-09 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo claims that I have a late payment when all of my payments were automatic withdrawals. The very last payment was a payoff of the entire loan in full. However Wells Fargo contest that there was a late payment when there was actually a pay off. 



This information does not show on any of my credit bureau listings and files however when I have applied for credit or a loan this is white the denial letter says from these individual loan products or credit products.

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 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Several months ago our joint checking account in Bank of America was compromised, Bank of America put a freeze on this account that ends in XXXX. 
There is a balance {$3000.00} in this account, I made an appointment in their XXXX, Ma. Branch office to transfer the funds from frozen account to new active account, the branch manager told me she cant do it, and I have to call their fraud department, XXXX. 
I have been calling this number for the last three days, every single day I am on hold for almost an hour, I have other things to do besides listening to their music. 
Please help. 
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 explanation
Consumer complaint received 2022-09-09 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: GA

Complaint narrative:
I investigated my credit report with all three credit agencies and reported the inaccuracies to them, but after the investigation was completed, it did not change the outcome. The inaccuracies are still on all three credit reports. 
After I did very thorough research myself, the information was not corrected after making several attempts to get the information corrected. All three credit agencies are reporting inaccuracies in my credit reports : The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq 602 A. The following accounts are completely inaccurate. 
XXXX XXXX XXXX Account Number XXXX : {$1200.00} XX/XX/XXXX & XXXX XXXX Never late. XXXX reporting agencies show I was never late. 
XXXX XXXX XXXX Account Number XXXX : {$6000.00} XX/XX/XXXX & XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX XXXX XXXXXXXX Account Number XXXX : {$5000.00} XX/XX/XXXX thru XX/XX/XXXX Never late. XXXX reporting agencies show I was never late. 
XXXX, Account XXXX XXXX : {$200.00} Never late. XXXX reporting agencies show I was never late. The company issued me a deletion letter and I forwarded it to all three credit agencies, but it was still not removed from my credit report. 
XXXXXXXX XXXX Account XXXX XXXX : {$16000.00} XX/XX/XXXX through XX/XX/XXXX paid in full. Never late. XXXX reporting agencies show I was never late. Collect letter removed it from XXXX credit agency, but not the other XXXX credit reporting agencies. 
XXXX Account number XXXX : {$3500.00} XX/XX/XXXX through XXXX XXXX account is closed and still reporting that I have an open account with them. 
XXXX Account number XXXX : {$3600.00} XX/XX/XXXX Never late. XXXX reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 

I have a right to privacy, and my rights have been violated., U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency unless the person has certified to the CRA the permissible purpose for which the report is being obtained, and certifies that the report will not be used for any other purpose.

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 2022-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I applied for the XXXX XXXX XXXX assistance program in XX/XX/XXXX. I requested back and future payments as I was already behind and struggling to make my mortgage payments. I did not get notice of approval until XX/XX/XXXX. I received XXXX letters. The first one advised that I was getting XXXX toward back payments. The back payments were supposed to be for XXXX, XXXX, XXXX, and XXXX. I received a second letter advising that they were making XXXX forward payments. 

Pennymac received the first payment of {$14000.00} on XX/XX/XXXX. At that point I was only behind 2 months ( XXXX and XXXX ) payments totaling {$7400.00}. Pennymac could have done 2 things with the remaining amount of {$7400.00}. They could have put it towards future payments or refunded the payments I made in XXXX and XXXX and used that extra money toward those payments. Instead they made a principal reduction payment in the amount of {$7400.00}. 

I have tried to explain to Pennymac that the money is for payments, as this program is designed to assist home owners with payment assistance. I am being told that the monies have been applied correctly and nothing can be done to reverse this action as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXXXXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX, US DEPT OF EDXXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ), US BUS ADMIN ODA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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 non-monetary relief
Consumer complaint received 2022-09-09 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: AFNI INC.
State: GA

Complaint narrative:
THIS COMPANY AFNI INC ORIGINAL CREDITOR ( XXXX ) IS STILL REPORTING ON MY CREDIT FILE. THIS ACCOUNT IS SHOWING AS COLLECTION BUT IS ALSO REPORTING PAST DUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: NC

Complaint narrative:
The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on. 
" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists.

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 2022-09-09 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: TX

Complaint narrative:
THIS IS NOT A DISPUTE. I am a victim of identity theft and have tried extensively to rectify this issue with Equifax. Equifax has instructed me to submit a police report and FTC report and per section 605B of the Fair Reporting Act, the fraudulent items are to be blocked and deleted immediately. Equifax however, puts these accounts into dispute and never provide an updated report with the account deleted. They in turn keep the fraudulent accounts on my report and show no proof of verification and/or validation. I am attaching the police report, FTC report and proof of identity through this channel again in order for the fraudulent accounts to be deleted. I am also filing a report with the XXXX  and copying the CEO on all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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:
The company refused to remove items unless I sent in proof of my identity, I submitted proof and they still refused to investigate. I requested the following accounts be removed from my credit report due to fraud and this them continuing to report is a direct violation of the fair credit reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US Bankruptcy Court Northern FL XXXX XXXX BANKRUPTCY DISCHARGED XX/XX/2019 I also requested they remove the following incorrect addresses from my credit report XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL 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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have new updated information and concerns about Equifax response and procedures of my consumer reports! 

On XX/XX/2022 Equifax determined that my alleged hard inquires were factual/verified I need Equifax to describe the procedures used to determine the alleged verified hard inquiries on my consumer reportIf Equifax cant describe what procedures and methods was used to verified these alleged hard inquiries, I DEMAND Equifax to remove all of the verified inquiries pursuant to 15 usc 1681i ( a ) ( 6 ) & 15 usc 1681i ( a ) ( 6 ) ( B ) ( iii )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
they are reporting negative information

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 2022-09-09 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I have disputed this collection for over 3 years since, XX/XX/2018. 
I paid my service contract, in full, with XXXX when I ported my XXXX phone numbers to XXXX XXXX XXXX. The phone numbers can not be released by XXXX unless they have a XXXX outstanding balance. The numbers ported to XXXX XXXX XXXX from XXXX with XXXXXXXX XXXX consent, were : XXXX and XXXX. Both of these phone numbers have been under an XXXX XXXX XXXX service contract under XXXX XXXX XXXX XXXX, since that day. There was one phone, an XXXX XXXX, that was leased, so I had cleared the memory at XXXX XXXX XXXX store and later, sent the XXXX XXXX XXXX back to XXXX XXXX in the XXXX  provided, pre-addressed, Yellow envelope. Over the last 3 years, I have been harassed by at least 3 different collectors on different amounts, for different account bills, and nothing in writing consistent, from XXXX, from the prior collection attempts nor the validation of the new collection amounts. 
I have always disputed this collection, as I had the paid in full letter sent to the XXXX XXXX XXXX dealer in XXXX, the day we started the new account with XXXX XXXX XXXXin order to be able to get the release of the phone numbers, mentioned earlier, and " ported '' to the new phone service aith XXXX XXXX XXXX from XXXX. I could only do that with XXXXXXXX XXXX permission and guarantee release of the phone numbers to the new service provider. I pourchased a new phone from XXXX XXXX XXXX in order to be able to return the XXXX XXXX to XXXX in their envelope mailed to me that was bright yellow. 
Suddenly, XXXX started sending me more envelopes and stating they did not receive the phone. Later that year the collections began for unpaid balance charged for the subsequent month after the phone numbers were ported to XXXX XXXX XXXX. we closed the accounts and the service was not provided by XXXX because they no longer had the phone numbers in their control after releasing them XX/XX/2018. There is no service amount owed, as per the earlier disputes resolved with XXXX. Neither XXXX nor the current collection company, I.C. System Inc., which XXXX has now assigned the debt, for a new amount of {$700.00}, is willing to send me any written explanation of the debt and how they came to that amount, other than for a missing phone and services unpaid. No dates match the duration of my contract and previously the collectors stated the " lost phone '' was actually collected in an insurance claim from sprint with the mail carrier in the prior debt collection attempts. XXXX needs to substantiate this false claim, on the service bill they created falsely, from an account they state was paid in full and cancelled service, and paid in full, prior to my changing cellular companies.

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 2022-09-09 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
XXXX XXXX  membership was taken out using my SS number. contacted collection agency who instructed me to submit through federal trade commission website. 
a few months ago, my identity information was stolen along with my vehicle.

Company response to consumer: Closed with explanation