vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
On Monday, XX/XX/XXXX I received notification that my payment of {$400.00} had posted to Capital One and verified that the full amount had been pulled from the my other bank, XXXX XXXX XXXX. For two days though ( it's now XX/XX/XXXX ), I have had no access to the {$400.00} I transferred over, despite the fact that it said the payment had posted and NO other payment I've ever made to Capital One, no matter the size or other institution, has ever made me experience a delay. 

When I called in today to see why the payment was pulled from my other bank but I had no access to the funds through Capital One, I was told that Capital One sometimes, but not always, puts a hold on transfers like this one and I wouldn't have access to my funds until XX/XX/XXXX ( another six days ). 

If I had known I wouldn't have access to my funds for over a week, I wouldn't have transferred them. But at the time of the transfer I was NOT notified of a potential hold, and when I asked to either have the hold removed ( since it can be added, logic would suggest it can be removed ) or transferred back to my other bank so I can actually USE MY MONEY, I was told neither of those was an option. 

So basically I transferred money ( which I've done several times from different banks ) and capital one arbitrarily decided to put a hold on it for over a week, with absolutely no assistance. I would like this issue resolved immediately. Banks can not just take someone's money and then restrict access to it without letting them know that's a possibility. That's absolutely not right and needs to be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: SECURITY FINANCE CORP
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Security Finance Corporation violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).

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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. XXXX  was able to remove all of the inquiries, however, when I contacted XXXX  and XXXX  on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points. There are 7 inquiries on XXXX  and 5 on XXXX  that I need removed immediately. The companies involved are XXXX XXXX, Capital One, XXXX XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX/XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
i payed my mortgage pymt on the XXXX like i always do and mr cooper has not credited the pymt although it has already cleared my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: MI

Complaint narrative:
There are multiple inquiries on my credit report that I have not applied for

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 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I received a letter from Citi Cards dated XX/XX/XXXX stating that they had reversed two merchant credits on my Mastercard account because they duplicated a credit by Citi Cards due to my dispute. In my reply dated XX/XX/XXXX, I explained that the credits that they reversed were for different charges on different dates, unrelated to the disputed charge. I asked them to reverse their wrong action. My reply was ignored, and the charge appears on my XXXX statement.

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 2021-08-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached highlighted pictures of accounts on my credit report that are reporting incorrectly, per the FCRA they have to report correct information or be deleted.

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 2021-08-04 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: MO

Complaint narrative:
XXXX XXXX, a large national bank contacted a primary checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account holder. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX 2021 ). The account was a joint account with the senior-aged account holder and three adult children. The bank reported the reserve line of credit as past due in XX/XX/2021, which severely negatively impacted all four joint account owners. Upon contacting XXXX XXXX, contradicting stories were presented on when the fraudulent activity was flagged. XXXX XXXX XXXX  representative claimed the fraud was flagged in the XXXX XXXX  system on XX/XX/2021. Another XXXX XXXX  representative correctly stated the fraud was flagged on XX/XX/2021. If it was truly flagged on XX/XX/2021, XXXX XXXX  violated the FCRA by reporting a known identity theft related account information to credit reporting agencies. If it was flagged on XX/XX/2021, they violated the FCRA by reporting a known identity theft related primary checking account as fraud and not the related reserve line. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). " Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX, a large national bank contacted a primary checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account holder. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX XXXX  ). The account was a joint account with the senior-aged account holder and XXXX adult children. The bank reported the reserve line of credit as past due in XX/XX/2021, which severely negatively impacted all four joint account owners. Upon contacting XXXX XXXX, contradicting stories were presented on when the fraudulent activity was flagged. XXXX XXXX Bank representative claimed the fraud was flagged in the XXXX XXXX  system on XX/XX/2021. Another XXXX XXXX  representative correctly stated the fraud was flagged on XX/XX/2021. If it was truly flagged on XX/XX/2021, XXXX XXXX  violated the FCRA by reporting a known identity theft related account information to credit reporting agencies. If it was flagged on XX/XX/2021, they violated the FCRA by reporting a known identity theft related primary checking account as fraud and not the related reserve line. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). " Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect

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 2021-08-04 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: MI

Complaint narrative:
Multiple inquires on credit report did not apply! 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Union XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Union XXXX TransUnion XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX Credit Union XXXX TransUnion

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 2021-08-04 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The company XXXX XXXX XXXX made me believe I was speaking with the department of education about a loan forgiveness program. They were able to access my loan details as well as change the password of my student loan account without me giving any information. They asked for payment information in order to start the relief program. I was charged for 2 payments of XXXX. When I found out it wasn't the department of education I canceled it immediately. However, XXXX  would not refund the charges. I contacted my bank and they told me they are unable to do anything about the charges and I would have to work with the company that made them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: OH

Complaint narrative:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts XXXX. XXXX, XXXX # XXXX, XXXX XXXX # XXXX, # XXXX, XXXX  XXXX/XXXX # XXXX .XXXX  XXXX/XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , Third-Party Collection Agency unable to validate debt . Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., XX/XX/XXXX ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.

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 2021-08-04 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: CITIBANK, N.A.
State: PA

Complaint narrative:
The 3 Credit Bureaus are reporting inaccurate information on MACYS/DSNB ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 2021-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Citi Online bank sent me a letter on XX/XX/2021 telling me that they suspected fraud on my account and they froze it. They gave me a phone number to call ( XXXX ) to get this problem resolved. 

I contacted Citi Online bank shortly after receiving their letter. I was transferred to their fraud department. I answered all of their questions including my security questions, and even my security word needed for all transactions. After supplying them all of the information, they told me that they were closing my account and that I would be issued a check within 30 days. I asked them what fraud took place. They abruptly hung up on me without supplying a reason why this was a fraudulent account.

Yesterday I contacted Citi Online bank at the same number and was again transferred to their fraud department. They did say that whomever told me that it would take 30 days to receive my money from the account they closed was in error. They said that it would actually take 30 - 60 business days to make the final confirmation, and then I should wait another 7-10 days for the check to make it through the mail. ( I was able to transfer this money to this bank in less than 3 business days ). I then went to a calendar and counted out the business days and found that I may not receive my money until the end of XXXX. I had asked the customer service representative if I would at least get interest on that money, and he said that I should not expect that. 

Since they closed the account with my money in it, they should not be able to wait four months before they give my money back 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 2021-08-04 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Credit Acceptance is reporting a late for XX/XX/21 that needs to be removed. I recently bought a car from them but don't understand why they are reporting a late for XX/XX/21 when I got this car in XXXX. I made my payment on time on XXXX and since then but there is no reason for me to have a late for XXXX. This is an error and needs to be removed.

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 2021-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
This is my third complaint. The previous complaint was regarding the inability to receive a letter from Nissan stating my car account was paid and up to date. My ex-wife did not pay the car for three months and I was never informed by Nissan. I went to apply for a loan with XXXX XXXX and it provided a letter stating that I was able to purchase. I am currently under contract to purchase a home but I can not because I can not get a letter from Nissan stating that my account is current and the current balance in order to re-score my credit. My credit score dropped from the 700s to the low sixes due to the late payment. Three different Nissan customer service agents said that I could not get a letter until after 21 days had passed my XX/XX/XXXX payment in case I " withdrew '' the payments. I received a letter from Nissan on XX/XX/XXXX and the credit bureaus stated the letter did not provide the current balance and they could not re-score my credit. I just called Nissan and was transferred to another department. When I was speaking with the agent along with my loan officer, XXXX XXXX, the agent said that Nissan 's loss recovery department could not provide a letter at all because my ex-wife filed a bankruptcy in XXXX!!! This is totally different than my experience with the other customer service agents. They never said anything about my ex-wife 's bankruptcy. I requested to be transferred outside of loss recovery and the agent refused and said that her supervisor could not come to the phone because she was busy!!! I don't know if Nissan now flagged my account because I made a complaint with the CFPB and will now cause me problems in the future. I need a letter NOW from Nissan stating that the account is current and the current balance due. It is ridiculous that I need to make three complaints in order to get an accurate and satisfactory letter from Nissan. If they are doing this to me, they must be doing this to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Apartment complex

Company response to consumer: Closed with explanation