vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Our law firm represents the Seller of real estate in New Jersey. As part of the transaction our trust account bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was given wire instructions for a 1031 transfer agent, XXXX, XXXX ( " XXXX '' ) a customer of Capital One Bank ( " COB '' ). Unfortunately the wire instructions contained an error and as a result the funds entered the wrong Capital One account on XX/XX/2022. The error was discovered immediately and COB was notified by telephone and by the attached intra bank writing. We were told by the Treasurer Management Specialist XXXX XXXX ( # XXXX ) that an investigation would be launched " immediately '' but that resolution could take up to but not longer than ( 10 ) business days from XX/XX/XXXX. On or about XX/XX/2022 we were told by Capital One that the monies, {$61000.00} had been " frozen '' and that they would be returned to XXXX or transferred to the correct COB account shortly and that our law firm would be notified. Despite numerous attempts by our office, XXXX, and the office of XXXX, we have received no responses other than " we are working on it ''. It is now 14 business days after the investigation was commenced and the funds have not been returned or transferred to the correct account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09 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: OK

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-01-09 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: GA

Complaint narrative:
I did not authorize this company to run my credit after the loan was granted to me, I let the company know that they were violation my consumer rights and I was going to complain. They told me that they were going to take legal action they said they were going to sue me for the past due balance. I want this account closed and paid off, and I would like to be compensated for them running my credit.

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 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
XXXX XXXX XXXX has harassed me trying to collect a credit card debt XXXX, after being informed over and over again that my only income is XXXX XXXX XXXXXXXX Social Security. I sent a Cease and Desist letter in XXXX. They have got a garnishment order twice in XXXX XXXX Kansas District Court and my Credit Union has charged me a {$60.00} garnishment fee which caused my account to overdraft and took out the {$60.00} fee from the next month 's Social Security deposiXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Notified company of reopened XXXX XXXX  bk case -- still reporting as delinquent

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 2023-01-09 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: OK

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX of XXXX  My debit card was taken by an unauthorized individual and they were allowed by Wells Fargo bank to withdraw funds from my account with out my knowledge or permission.

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 2023-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was current on my car payment before I reached out to XXXX and asked for a payment accommodation due to XXXX XXXX XXXX which was granted by XXXX, I was surprised when I check my credit report and XXXX still reported my account late after I reached out, asked for accommodation and explained my financial situation due to the of XXXX XXXX Account # XXXX 60 Days Past Due ( XX/XX/2020 )

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 2023-01-09 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: NM

Complaint narrative:
Out of the blue I have received 4 letters in the mail with random amounts. I was never contacted by the company with a bill and the amounts have no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX, I submitted a formal complaint. I received a response from the company on XX/XX/XXXX that does not address the XX/XX/XXXX complaint. It almost appears that a computer generated the response as opposed to a human being looking at the issue. 

This is an account I have attempted to bring notice to the fact is not being reported accurately on my credit report, yet you have not disputed these correctly. The response to the dispute I get state this account belongs to me, yet I have not disputed ownership whatsoever. According to 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 also states a consumer reporting agency can not furnish an account without my written instructions. How can this account be verified as being 100 % accurate without the necessary authorization shown provided by me? 
Again, I AM REQUESTING TO RECEIVE THE DESCRIPTION OF THESE FINDINGS ACCORDING TO 15 USC 1681 ( 7 ). By law, Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If my written consent for the reporting of the following accounts was not provided and can not be provided, the following accounts must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had two credit cards with Citibank, I cancelled the Citi XXXX card on XX/XX/22 because I couldn't justify the annual fee with my spending habits. At the time, I had XXXX Thank You Points. Note, the two cards were combined in Citi 's Thank you point program. I was unable to see the Thank You Points separately in the program website, from everything I could see, the points were combined and not associated with either card anymore. 

I ask the CSR if I needed to do anything with the Thank you points after cancelling, since the cards were combined. I was told no, because they are combined. I received a confirmation email that my XXXX card was cancelled on XX/XX/22, it stated that I needed to use the thank you points within 60 days. It also stated you won't have access to the site unless you have another card, which I do. I assumed this was a generic email that did not differentiate between combined and non-combined Thank you points accounts. 

I logged into my account in XXXX and noticed that XXXX thank you points had disappeared, I called the Thank you Department and was told there was nothing they could do because it was after 60 days. I called back and the new CSR tried to reinstate my XXXX card to see if they could fix it that way, but it was denied due to the time frame. At this point, I was told the points were gone forever. No other options were provided, I would have been happy with a similar credit on my other open card. 

I lost {$900.00} worth of points because of a misunderstanding on how the cancellations work when you have multiple cards that are combined in the Thank You Points program. At a minimum, the points should be paid out as a credit at their lowest {$0.00} cents value. Why would points that I earned just disappear? Why would a reasonable consumer cancel a card with {$900.00} of points on it to save a {$99.00} annual fee?

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 2023-01-09 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: NC

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

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 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 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 right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-01-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

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 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 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 right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: EQUIFAX, INC.
State: NH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: Partnerships & Investments, LLC
State: PR

Complaint narrative:
American Leading Finance Car Loan Account has violated my rights.

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
I had a loan modification done in 2018 and the mortgage company charged me excessively for homeowners insurance ( XXXX ) when I already had homeowners insurance. I just discovered this error and have tried to get it corrected with XXXX for the last XXXX months

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 2023-01-09 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: MD

Complaint narrative:
In accordance with the fair credit reportinn act.the list of accounts below has violated my federally protected consumer rights to privacyand confidentiality under 15 US 1681 acc number : ; XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S C 1681 section 602A states i have rights to privacy.

15u.s c 1681 SECTION 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S C 1681s ( A ) ( 1 ) A person shall not furnish any information relating a consumer to any consumer reporting agency.if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the fair credit reportinn act.the list of accounts below has violated my federally protected consumer rights to privacyand confidentiality under 15 US 1681 acc number : ; XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX  account XXXXXXXX XXXX XXXX  ) has violated my rights. 

15 U.S C 1681 section 602A states i have rights to privacy.

15u.s c 1681 SECTION 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S C 1681s ( A ) ( 1 ) A person shall not furnish any information relating a consumer to any consumer reporting agency.if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I woke up on XX/XX/22 and chase restricted my account. When I tried to log in to my mobile banking a pop-up appeared for me to call a chase phone number. After calling the number i was informed that my account was closed and I can not open any new accounts with my name with no explanation. I don't understand why that is since I haven't done anything wrong or had suspicious activity on the account. I would just like to find out the reason for my accounts being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XX/XX/29 I received an email saying my account was overdrawn by over {$480.00} and instantly checked my account and saw Wells Fargo took money out of my account without informing me first that they made an error with one of the claims I had in dispute. The amount of the claim was for {$650.00} and the investigation was completed and my money was returned into my account due to it being unauthorized. After XXXX I go to pay bills and money is just gone and they just said Im liable for this costs even though it was a FINAL CREDIT not PROVISIONAL CREDIT. They said they made an error and overpaid me which I can somewhat understand, but why wasnt I notified earlier or before my account was just charged without any explanation. I want my money back plus extra for stress and causing me to be behind on bills. Something must be done.

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 2023-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
Bridgecrest sent me an email XX/XX/XXXX to remind me to make a payment before XX/XX/XXXX to avoid having a delinquent mark on my credit. I made the payment XX/XX/XXXX but today XX/XX/XXXX I received a late payment mark on my credit. I spoke with XXXX in collections and she would not let me speak to a supervisor or speak to anyone else for assistance. They need to be investigated.

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 2023-01-09 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I filed an online dispute with Equifax letting them know that their credit report was incorrect on an account. Letting him know that the balance of the account is wrongly reported that I do not owe that amount of money.the credit card limit is XXXX and the balance is XXXX that is correct.

Company response to consumer: Closed with explanation