vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am being charged " late fees '' for making my credit card payments on the due date. The specific charge in dispute was a payment made on the due date of XX/XX/2022 at approximately XXXX XXXX ( PST ). 

Capital One is refusing to reverse or waive the late fee because Capital One received the payment on the due date, however approximately 45 minutes late... There is no grace period offered, let alone being heard, for any payment made on the due date after XXXX XXXX ( PST ). 

I find this kind of behavior from a bank unfair, unethical and quite discriminatory, especially as all attempts were made to make a payment on time. After explaining my circumstance, I believe Capital One and its representative preyed on my current financial situation and discriminated directly against me. Capital One and its representative ensured me the late fee will be imposed, whether the payment was made 1 minute or 45 minutes past XXXX XXXX regardless of the circumstance and payment being made on the due date. 

Capital One, XXXX XXXX, or any bank needs to be clear, transparent, and lawful when issuing late fees, overdraft fees, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business " XXXX international for Buy And sell products ) since 2020. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
I recently moved to XXXX XXXXXXXX XXXX from XXXX. I went to US Bank to open an account and showed them my XXXX ID and US passport. They didnt request any other docs and opened my account and gave me a debit card. I deposited all of my funds thinking it would be safe in the bank. On XX/XX/XXXX I went grocery shopping and my debit card was declined. I called the bank and they said they put a hold on it pending verification of my address. The next day I went to a branch and provided them a copy of my lease and they sent it to the corporate office and said it would take one business day to release the hold. Today, XX/XX/XXXX the hold is still not released and nobody from US Bank has contacted me about it. I tried calling customer support but was told their system was down. I have had nothing to eat now for 4 days. My rent is due this week and I will be evicted if I can not pay. I can not get to work without my money. They are ruining my life XXXX XXXX XXXX XXXXXXXX. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 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 purpo
se.

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 2022-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
After reviewing my credit report on XX/XX/XXXX I noticed some items that I am not responsible for and I am a victim of Identity theft. The collection is attached below. 
SECURITY CREDIT SERVIC Original creditor : XXXX XXXX XXXX XXXX XXXX details 0 % of this account is paid off Balance on XX/XX/XXXX {$1700.00} Original balance {$1700.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments Account information disputed by consumer Statements No Statements Contact info Name SECURITY CREDIT SERVIC Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: FL

Complaint narrative:
15 USC 1681 15 usc 1681 ( a ) ( 4 ) - you have the right to privacy any information you want to be private thats posted on your consumer report is a violation. Infringed upon my right to privacy ( you define what your privacy is ) *first in XXXX came true in lending act next in XXXX came FCRA next came FDCPA 15 USC 1681a ( 2 ) exclusion - this should not be on consumer reports *** Reports containing information solely as to transactions experiences between the consumer and the person making the report should be excluded

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 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal has permanently closed my account and literally sentenced me to death as I am a XXXX content creator and literally have no other means of receiving payments to provide for myself as the result of a data breach that has spanned months over multiple accounts of mine and confusion over transactions leading them to I can only assume though they haven't clearly specified why to permanently " limiting '' my account. I will literally die now without assistance. This happened today XX/XX/2022. I was given little to no explanation, and had prior to this during the last 62 hours informed them of a data breach and my accounts being hacked, beyond just PayPal. I attempted to contact customer service, who says they filed a 're-appeal ' but told me not to get my hopes up. I have been the victim of multiple data breaches and Phishing, including the XXXX and XXXX data breaches. I am not responsible for whatever 'reasons ' their 'back office team ' who can not be contacted according to them, decided to 'permanently limit and suspend my account '. I am now unable to pay for food, housing, or any other human necessity. If this decision is not reversed, I will likely be XXXX  very soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Hello, I am out of the country. Received a payoff quote and paid my mortgage off online on XX/XX/XXXX of 2022. Mortgage company accepted my payment but did not acknowledge a payoff and keeps my mortgage open with remaining principal balance. Now I have to send them an additional funds to close the mortgage. The name of the company is Freedom Mortgage.

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 2022-05-17 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} written off. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. 
XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XXXX XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-17 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:
FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} written off. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. 
XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XXXX XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have an erroneous charge on my Barclays credit card. It states I owe {$1200.00} for a convenience check and {$48.00} balance transfer fee charged in XXXX 2022. I did not activate the card or put any charges on it, nor did I use any convenience checks. I called, faxed, mailed ( twice, once certified mail ) my dispute and requested an investigation in XXXX and again in XXXX since no response. I also submitted a dispute online. The phone calls went no where. They kept transferring me to other departments and putting me on hold and then hanging up. Its been month and I have not heard back from the company at all, and my credit score has been lowered because of it.

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 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account as my personal account and online freelancing since XXXX.My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hopin

g that I will get back my account and able to withdraw my funds. Tha nk you and Godbless. For Identity verification, I attached my Valid ID. Please see attachment.qq

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting a bankruptcy on my credit report they have put in the data furnisher as been the XXXX XXXX XXXXXXXX XXXX which is false i have attached a letter from the U.S. bankruptcy court of XXXX XXXXXXXX XXXX verifying and stating that they do not furnish information over the credit bureaus or any credit monitoring service nor do they verify validate any information concerning bankruptcies. Transunion is falsely stating this information on my credit report and have yet to remove this from my credit report. i sent them my credit report showing that the information is inaccurate on all three bureaus im not sure who's right, It has been removed from XXXX XXXX also.

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 2022-05-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I've sent a complaint through CFPB to resolve the dispute. XXXX XXXX XXXX Account XXXX XXXX. 

I received a response from the company. They stated that the account was 100 % verified to me through the mail. I found inaccurate information with this. 

Nothing can be verified to me if there's in correction misspelled to my government name. I have the confirmation # for this letter ( XXXX ), company name Equifax and Credit file : XX/XX/XXXX. 

Again, I hope we can resolve this issue. This paid collection that's been on my report since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I believe that it was a mistake to permanently limit my PayPal account. I am using my Paypal account for my online personal photography since ( 2020 ). My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless. 

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I requested a reinstatement quote on XX/XX/XXXX and tried to go through the lawyers as well as inform the business that I applied for XXXX  on XX/XX/2022 and they will not answer my calls or provide me with the quote.

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 2022-05-17 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: CORELOGIC INC
State: FL

Complaint narrative:
15 USC 1681 15 usc 1681 ( a ) ( 4 ) - you have the right to privacy any information you want to be private thats posted on your consumer report is a violation. Infringed upon my right to privacy ( you define what your privacy is ) *first in 1968 came true in lending act next in 1970 came FCRA next came FDCPA 15 USC 1681a ( 2 ) exclusion - this should not be on consumer reports *** Reports containing information solely as to transactions experiences between the consumer and the person making the report should be excluded

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 2022-05-17 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: FL

Complaint narrative:
15 USC 1681 15 usc 1681 ( a ) ( 4 ) - you have the right to privacy any information you want to be private thats posted on your consumer report is a violation. Infringed upon my right to privacy ( you define what your privacy is ) *first in 1968 came true in lending act next in 1970 came FCRA next came FDCPA 15 USC 1681a ( 2 ) exclusion - this should not be on consumer reports *** Reports containing information solely as to transactions experiences between the consumer and the person making the report should be excluded

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: GA

Complaint narrative:
In accordance with 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 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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I reported to Equifax that they were reporting inaccurate information on my public records they launched and investigation and said their credibility source was accurate with information. They never contacted the courts in regards to this issue and the court has stated they do not provide information to the credit bureaus as such. Equifax continues to report theses bankruptcys with out providing validation and XXXX is not a credible source.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Goldman Sachs Marcus emailed a promotion that if I deposited X amount of money I would get the bonus after maintaining the account balance for a certain number of months. I called a representative to confirm that it was okay since I had a transfer out the same day. 

The representative said yes they would honor the agreement. 

After maintaining the balance, I did not see the promotional amount reflected. So I called them, turns out they won't honor the agreement now because it doesn't count due to the transfer out, even though I confirmed months before that they would honor the agreement. 

This is a deceptive trade practice and I will be filing with the FTC if it isn't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma alerted me to apply for a highly probable loan to refinance my car ( to help my credit, of course ). They put me in touch with XXXX ( an affiliated company? ) and almost immediately told me I qualified. Then after confirming my information ( identity, car ) they called me to say that I am qualified for the loan then rattled off the loan, interest rate, monthly payment. The monthly payment was HIGHER and so I said, no. I don't want the loan and the customer service person raised his voice at me and said " I MUST TELL YOU ABOUT ALL THE PRODUCTS YOU HAVE BEEN APPROVED FOR ... '' and went on to tell me that I was approved for their monthly oil change service, which was conveniently added to the LOAN and though he wanted to tell me MORE I said no. 

This is FRAUD. They were using my personal information to entice me to apply for something I DID NOT WANT NOR ASK FOR. This is fraud. 

Both CreditKarma and XXXX should be punished and all those they defrauded should be compensated. They colluded to commit fraud upon me.

Company response to consumer: Closed with explanation