vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One Bank has illegally closed my account. I called in on XX/XX/2022 to dispute 2 transactions which were {$2000.00} from XXXX and a XXXX payment for {$1500.00} that I did not not initiate on my account, the account tenure was over 1 year. On XX/XX/2022 I called in to check the status of my claim. I was told by XXXX, agent id XXXX, that I will be receiving the disputed amount of {$3500.00} between XXXX XXXX XXXX. This morning, XX/XX/2022, at XXXX a.m I received an email stating that I had to call in because of suspicious activity on my account. I immediately called capital one customer service number XXXX, a capital one customer service representative agent id XXXX, she stated that capital one has decided to close my account because I pose a risk to the bank. I asked XXXX was this a discretionary decision made, which she did not answer. She kept repeating herself lying to shield herself from any accountable, and refusing to answer questions I can legally ask as a consumer. I also spoke with the fraud department supervisor XXXX, agent id XXXX, and she also hid behind shady business policies imposed by Capital One. This company is using predatory tactics that linger investigation to negate their refund policy for disputes, which states that customers will receives a credit for funds disputed until the investigation is complete. The representatives refuse to divulge any information that explained the reason for a lengthy investigation after the closure of an account. This tactic is used in an attempt to surpass individuals ignorant to the bank procedure and process. Capital One is illegally withholding information from customers and bullying consumers to believe this is policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: BANK OF THE WEST
State: CA

Complaint narrative:
Bank of the West is inaccurately reporting a balance. This mortgage was refinanced by XXXX XXXX Mortgage yet Bank of the West is still reporting a balance. Please correct and update the balance to zero with Bank of the West.

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 2022-01-18 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: SC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
I contacted the creditor " NetCredit '' on XX/XX/XXXX, to ask them to please contact the credit bureaus to have my account balance reflect the correct balance of Zero dollars, which NetCredit shows as paid in full back on XX/XX/XXXX. ( attached ). They informed me via email that they report to both XXXX and XXXX every month about my the repayment history, but to this day my credit report ( attached ) still shows {$140.00} outstanding balance ( line 012 ). It's been 12 months since I paid this account in full. Any help in getting this corrected would be appreciated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Atlantic Recovery Solutions LLC
State: CA

Complaint narrative:
Atlantic Recovery Solutions has been contacting me multiple times both at work and my cell phone through calls and text. On XX/XX/XXXX, I spoke with a representative and told them that they may NOT contact me until I have something sent via mail verifying the debt and that they own it. They agreed and get I receive a text on XX/XX/XXXX in which I reply with the same information and add that they may also not contact me by phone text or at work. Minutes later I receive another call from them despite the second request. I remind them that this is a violation of the FDCPA. The calls need to stop and they need to send the verification information ONLY in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
Iberiabank transitioned certain mortgages to First Horizon at the end of XXXX. The last communication sent to me was on XX/XX/XXXX indicating that the transition was delayed into early XXXX. No further information was provided by First Horizon either by e-mail or paper notice as to 1 ) where to setup the account 2 ) The new loan number post-transition 3 ) Date the transition was effective or 4 ) How to setup automatic recurring payments through their site. As a result, the only indication that I received that my loan was now being administered by First Horizon was that I had a hit on my credit report for a delinquent loan. I had to call the company and go through customer service to figure out what had happened. I had received no electronic or paper notification of interest owed or that my previous bank account was no longer being auto-drawn to pay interest. Customer service also indicated that they had incorrectly set the first payment due date to XXXX instead of XXXX. I have received no assurance from First Horizon that they would correct the credit reporting - only that they would " review '' it. First Horizon did not properly communicate to previous Iberiabank customers relevant information required to allow customers to effectively continue payment on their loans unabated and made no effort to contact customers prior to taking credit reporting actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX ( XXXX XXXX ) erroneously reported my balance and late payment status following a loan modification that was effective XX/XX/XXXX. XXXX reported late payments for XXXX, XXXX XXXX XXXX and XX/XX/XXXX. I made all of those payments on time. 

I disputed this information with XXXX and the credit bureaus. XXXX provided a written response acknowledging the error and advised that they would update my payment status for those months to reflect as current. The update was in fact made and my credit report was updated accordingly. HOWEVER, on XX/XX/XXXX, XXXX again reported that I was late for the month of XXXX and my credit took a significant hit due to the credit bureaus marking my payment for XXXX XXXX as late. 

I attempted to dispute this erroneous information with the credit bureaus and was denied the ability to dispute online due to the prior dispute I filed in XXXX. I contacted loan care on XXXX XXXX expressing that XXXX was in violation of FCRA rules and violation of UDAPP regulations due to falsely and unfairly reporting that my XXXX XXXX payment was 30 days late on XXXX XXXX. How could my payment be 30 days late on XXXX XXXX. Additionally, I made my XXXX payment on time. The company acknowledged that I was in fact current and my next payment is not due until XXXX XXXX. Also, XXXX erroneously gave me false information indicating that they did not send information to the credit bureaus and would not send information until XX/XX/XXXX. When I spoke with XXXX I was told that XXXX had in fact reported me as late on XXXX XXXX for the month of XXXX. 

I'm filing a complaint in regards to XXXX as this is unfairly impacting my credit and my ability to secure new credit. This appears to be a common practice by XXXX based on the complaints I've seen online which requires further inquiry by the CFPB.

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 2022-01-18 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: MO

Complaint narrative:
XXXX ( XXXX XXXX ) erroneously reported my balance and late payment status following a loan modification that was effective XX/XX/XXXX. XXXX reported late payments for XXXX, XXXX XXXX XXXX and XX/XX/XXXX. I made all of those payments on time. 

I disputed this information with XXXX and the credit bureaus. XXXX provided a written response acknowledging the error and advised that they would update my payment status for those months to reflect as current. The update was in fact made and my credit report was updated accordingly. HOWEVER, on XX/XX/XXXX, XXXX again reported that I was late for the month of XXXX and my credit took a significant hit due to the credit bureaus marking my payment for XXXX XXXX as late. 

I attempted to dispute this erroneous information with the credit bureaus and was denied the ability to dispute online due to the prior dispute I filed in XXXX. I contacted XXXX XXXX on XXXX XXXX expressing that XXXX was in violation of FCRA rules and violation of UDAPP regulations due to falsely and unfairly reporting that my XXXX XXXX payment was 30 days late on XXXX XXXX. How could my payment be 30 days late on XXXX XXXX. Additionally, I made my XXXX payment on time. The company acknowledged that I was in fact current and my next payment is not due until XXXX XXXX. Also, XXXX erroneously gave me false information indicating that they did not send information to the credit bureaus and would not send information until XX/XX/XXXX. When I spoke with Experian I was told that XXXX had in fact reported me as late on XXXX XXXX for the month of XXXX. 

I'm filing a complaint in regards to XXXX as this is unfairly impacting my credit and my ability to secure new credit. This appears to be a common practice by XXXX based on the complaints I've seen online which requires further inquiry by the CFPB.

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 2022-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
Two lines of credit need to be released to allow for sale of residential property. No response from BBT Truist in regards to line of credit payoff confirmation for residential real estate sale. Cash sale of primary home with no liens, except open XXXX line with XXXX balance. 

On XX/XX/XXXX XXXX XXXX  XXXX ( closing attorney ) faxed BB & T Mortgage to verify XXXX balance and closure of lines of credit. Two lines exist, but only one should be active. The first loan was issued on XX/XX/XXXX in the amount of {$90000.00}. This can be found in XXXX XXXX  XXXX, Page XXXX in the Deed room online XXXX XXXX KY. The second loan was issued on XX/XX/XXXX in the amount of {$90000.00}. This one can be found in XXXX  XXXX XXXX, Page XXXX. Should only be one open line, as show on my online banking account. 

No response from BBT Mortgage- usually a 48 hour turn around. Phone hold times for mortgage department exceed 50 minutes. Petitioned local branch via either call and email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with no response that issue was being escalated or how it might be resolved. This non-action is obstructing my ability to conduct a business transaction and putting me at risk of losing the sale of my home.

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 2022-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Friday XX/XX/2022, I went to make a mortgage payment at my Fifth Third Bank branch at XXXX XXXX XXXX Fl XXXX. I went to the Drive thru to make the payment and the person gave me the wrong change 3 times. At the last exchanged, XXXX XXXX said very rudely that he would not do anything else for me. I noticed that all the coins he sent back were all dark specially the dime. I could not tell if the dime was XXXX because it was so dark that it did not look like a dime. I told him to exchange the dime and he did not do that. He told me to go inside. When I went inside I told him my mother who's XXXX and has an account with them was in the car and I just picked her up from the XXXX because she was very XXXX. That was the reason I used the drive thru. He did not care. Instead he started to argue about sending me the dime and that it was only 2 times he was wrong about the changed. In each time, I was on the drive thru waiting for a long time to make the payment, waiting for all the times they sent out the change wrong and then to give me a hard time about a dime. He never apologized to me even though he knew he made me wait so long and gave me the wrong change each time and still owed me a dime. When I make a mortgage payment the bank requires me to pay for the change and a required them to give me the proper change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
As noted in the police report, Venmo has severe security issues. First, once I logged into Venmo and log in information will keep for a long time, which means anyone can use the account to transfer money in the next couple of weeks as long as they have access to the cell phone. They won't be asked for any log in information. Second, there is no extra security added to verify the transaction, such as password, or transfer code. Those security issues means as long as people can access to the device, they can transfer any balance into their account. As I disputed, the following transfers were unauthorized since I lost control of my cell phone. However Venmo team denied my dispute indicated those transactions were made with the same device. Considering the severe security issues for Venmo, they have no solid ground claiming the same device represents authorized transactions! Additionally, I've reported the case to the police and its very clear the police consider those transfers as fraud, as indicated in the report. So the Venmo team is more expertise than the police to understand the situation and define those transactions as legitimate and authorized? 

XXXX Type Status From To Amount ( total ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$2300.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$990.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$500.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$490.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$500.00} ) XXXX Payment Complete XXXX XXXX XXXX XXXX ( {$100.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The consumer reporting agency are in clear violation under 15 USC 1681 ( 2 ) ( a ) ( i ) and 15 USC 1681b .We did not give them any written instructions to furnish this on our credit report. I sent certified mail and feel like I'm being taken advantage of and being ignore by my disputes. We demand these accounts to be deleted immediately or we will file for ligation.

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 2022-01-18 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: PR

Complaint narrative:
A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-01-18 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ID Analytics, Inc.
State: OR

Complaint narrative:
On XX/XX/2021 I applied for a credit card through XXXX XXXX XXXX XXXX XXXX  for a 10 % discount on a purchase. They turned me down and in the letter I recieved about 3 weeks later they said my it was because : To few revolving accounts, To few bankcard accounts ( I have several ), Distance between applicants address and area code of phone number ( my area code is the correct one for my address ), Number of inquiries ( I have had no inquiries in about a year or better other then automatic ones from my active credit cards and my morgtage ). In the refusal letter my credit score was said to be XXXX. My current XXXX credit score is XXXX and has been that way or even better for many years. I feel very strongly that XXXX XXXX  is just collecting my personal information and that the company who they use for credit reporting just gave me lies.

My complaint is against the following : XXXX XXXX XXXX XXXX Sagestream/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase Home XXXX XXXX Tuesday XXXX XX/XX/2022 Around XXXX PM ( ET ) I thought Mortgage Lenders are required to provide Pre-Qualification ( meaning no, or only a soft, credit score pull ) to provide me with a mortgage estimate. I filled out Chase Home XXXX Form with my personal information, past renter 's information, employer 's information, salary, and assets. Then they immediately organized for someone to call me to approve a hard pull of my credit score. The person 's reason is that Pre-Qualification and Pre-Approval is the same thing... 

But any online search says Pre-Qualification is based on self-disclosure and the Lender 's estimate would only be their best estimate. Therefore not the same as Pre-Approval.

How am I supposed to show multiple lenders both for the estimate before the Pre-Approval??? And then get dinged twice on my credit score???

They also said they would need to do a hard credit pull to provide me with an initial Pre-Qualification estimate because they can not see my debt, but it was NOT asked in the form. 

But if you are pulling my credit, then that is Pre-Approval! 

Maybe I'm wrong but when you search for the difference in Qualification and Approval... So it just would be great to have an idea from Lenders without dinging my score for the estimate and THEN the approval if I should past the limit while searching for a home. 

Chase 's website even makes it seem like it is two different things until their get your cellphone...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: NC

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation