vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
From the onset of my experience with Comenity Bank  My BJ'sPerks @ World Mastercard , this bank and credit card company has routinely taken 21-28 days to recieve in the mail credit card payments and then process and post said payments thereafter.I routinely charge several thousand dollars to this credit card every month and always pay the balance off in full immediately upon receipt of the monthly statement.Due to the intentional dilatory processing and posting practices of Comenity each and every month since they've been administering to this account, I learned to get my monthly statemnt on line to then mail out my full payment thereon the very next day.This prophylactic practice notwithstanding, Comenity Bank consistently and still to this day, takes almost four, ( 4 ), weeks to allegedly receive, process and post payments on my account.The XXXX XXXX  Mail is so efficient that common law ascribes a mailing to receipt time period of a few days at best.There can be no doubt that Comenity Bank is engaging in unlawfula dndiscriminatory banking and credit card processing practices to bait unsuspecting consumers into being assessed and paying unlawfully charges late and penalty fees to Comenity for it's own malfeasance and intentional credit card payment processing practices.I recently instituted a bank to bank transfer as a test to Comenity and despite it's remitted protocol on their web site for doing so, yesterday 's transfer true to form has not been allegedly received and/or processed to date.I have several emails that I have made to and confirmed receipt by Comenity Bank concerning this continuous incidious banking/credit card processing misconduct but to no avail.This ractice can not be tolerated or controled and adequarte penalties as a future deterrent must be imposed.Very Truly yours, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: MI

Complaint narrative:
In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Bankruptcy # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 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 2023-02-18 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: PA

Complaint narrative:
There was a new credit card alert on my XXXX XXXX account, as I looked into this further, it is a credit card from a company called XXXX. I then a few weeks later received mail at my home to which this was a statement for this card. When I called the company and stated that my last name was NOT what was showing on this account card, they proceeded to argue with me. Then they told me to report it to the fraud department, identity theft.

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 2023-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I recently closed on a house with Wells Fargo, and when I got the final disclosure, saw that they charged almost {$1400.00} for an appraisal. I paid about {$900.00} at the start of the loan process, and was told that any money left over would either be refunded or put towards final closing costs. The website said that an appraisal costs between $ XXXX {$500.00}, and even with inflation, it should not have been anywhere near {$1400.00}. I tried calling them, but was just told that was what it cost and couldnt offer me an explanation of why it was four times what their website said. They gave me a credit of {$600.00}, but only because I was {$600.00} above the legal limit for closing costs. They didnt pay attention to who they sent out to appraise the house the first time, and the person wasnt licensed to do an appraisal in this zone so they had to send a second appraiser out last minute, but I was promised I wouldnt have to pay for both. Im not sure if they charged me for both anyone and tried to cover it up, or if it was just a scam on their part to see how much extra money they could get. I was a few days away from closing when I got the disclosure and didnt have any time to argue or investigate and had already spent so much time and money that I couldnt afford to back out, so I just paid the money. I feel like there was definitely something off though, this is not the first time Ive bought a house, and I asked someone who has 30 years of experience buying all kinds of property and they agreed {$1400.00} was an outrageous amount to charge

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 2023-02-18 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: MO

Complaint narrative:
Im accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 Account name XXXX  Account # XXXX Account name XXXXXXXX XXXX XXXXXXXX account # XXXX Account name XXXX XXXX XXXX Account name XXXX  Account # XXXX Account name XXXX XXXX account # XXXX Account name XXXX Account # XXXX Account name XXXX & XXXX XXXX Account # XXXX Account name XXXX XXXX account # XXXX Account name XXXX XXXXXXXX Account XXXX XXXX Account name XXXXXXXX XXXX XXXXXXXX Account # XXXX Account name XXXX XXXX XXXX account # XXXX XXXX XXXX Account name XXXX XXXX Account XXXX XXXX Account name Us XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A states I have the right to privacy. 
15 U.C.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedated 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 consumer reporting agency if the person knows or to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: CA

Complaint narrative:
I recently switched jobs and I did a 401k rollover from my previous employer plan to the rollover IRA in XX/XX/2022. 

The previous employer 401k plan was offered by ADP through XXXX XXXX. The plan levied a hefty transaction charge of {$40.00} for the rollover transaction I made. I do not know who has jurisdiction over capping such high transaction fees. I read that you have recently proposed a rule to cap the late credit card fees to {$8.00} and was wondering if you have jurisdiction over capping transaction fees as well when an individual rolls over 401k from one plan to the other. I tried contacting XXXX XXXX  and they replied that this is the fees that they charge and they won't reduce or waive off the transaction charges. 

Please refer to Page 11 of the attached document of ADP that mentions the excessive fees - " {$40.00} Distribution fee on all distributions except installment payments and return of contributions relating to testing results and IRS limits '' If you can provide me information on the agency who I can reach out, that will be great. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates 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 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 2023-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Remove fraudulent account immediately XXXX XXXX XXXXXXXX from Texas I dont live in the state of Texas XXXX Im a XXXX XXXX  resident!

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 2023-02-18 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: GA

Complaint narrative:
Went to purchase vehicle and found they ran my credit through several companies i I didnt authorize

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 2023-02-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Went to purchase vehicle and found they ran my credit through several companies i I didnt authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Even though I had met the minimum balance requirement to avoid a maintenance fee, Bank of America still charged me a maintenance fee. I would like a refund of all maintenance fees.

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 2023-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo froze my account and refuses to let me withdraw any of my money from the balance or debit card. They claim it was triggered by suspicious activity and violation of user agreement The only thing I did was try to buy cryptocurrency through the venmo app ( a service they OFFER ) and they declined it and completely locked me out of my account. I keep calling and messaging and nobody will reach out to me or give me an answer on how to fix it. I have over {$800.00} just sitting in my account with no way to get it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX owner of property XXXX XXXX XXXX XXXX XXXX, Florida XXXX Loan # XXXX. ( carrington Mortgage ) I am reaching out to you guys because I would like to see if you guys can assist with an issue I currently have. During the Pandemic I unfortunately lost my job and battled to stay current on my Mortgage account while facing a lot of problems. I work in the XXXX XXXX XXXX industry and unfortunately we faced a lot of problems and challenges to remain open. During this time I became past due on my mortgage and unfortunately its been a struggle to get current. I received assistance twice from them which I appreciate it and I am grateful for. My problem is that I kept facing difficult times and kept getting behind and dragging a late month multiple times and have accrued 16 late payments throughout my time since covid. I am receiving a bonus from work in the upcoming week so I will return to normal and I can promise I will always be on time but when I tried to ask Carrington Mortgage to forgive those late payments or report to the credit a different way to not have a negative impact they said they couldn't do it. Is there anything you guys can assist with? Prior to Carrington Mortgage I had 43 on time payments with XXXX before I refinance to Carrington and if you guys take a look at my credit everything started to happen around XXXX after we were shut down. 

I attached the letter I send Carrington Mortgage along with the screen shots from before and after covid and my excellent credit history with my prior Mortgage provider before switching over to Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: Nelnet, Inc.
State: SC

Complaint narrative:
Nelnet no longer services my student loans and that is reflected on my account information on their website, but the credit bureaus keep reporting it even though I've disputed it several times. The new government student loan servicer is XXXX with a total debt of {$140000.00}. The old Nelnet account is part of this. They need to remove the {$63000.00} Nelnet account. I have documents from my Nelnet account to prove this. The credit bureaus should be able to access this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank closed all my credit card accounts. They sent a letter stating that my activity was inconsistent with normal behavior. I have no idea what that means and they had no right to close all 4 of my accounts, both business and personal.

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 2023-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXX I filed bankruptcy up until that time. The payments were taken out automatically {$610.00} and XXXX the Harris Bank found out about the bankruptcy, and They stopped taking the payments out automatically, and said we have to start making the payments, but they never told me that XXXX of the payments had not been taken out of our account. in XXXX they went to a new account firm XXXX still under Harris Bank, I made every payment never late but not knowing these two payments were missing until they sent me a letter saying I owed {$15000.00}, I said No I don't, it was Covid, so I couldn't go into the bank, but I was on the phone with them telling them I didn't owe anything because I did not know of the two missing payment at that time. Once I did I asked them to correct the amount owed and I would paid them, because At that particular time to my knowledge I have paid every payment and never been late and even now I have the papers & proof from their bank that says the very same thing other than those two payments that were missing in XXXX. My attorney said the judge was going to rule in our favor but judge ruled against us with all the proof that we had. She said that because we were behind even one payment, the bank, could call in the loan, before hiring attorney, I was in the bank more than 14 times even the bank XXXX understood the problem, but could not get it fixed. Even people in customer service understood the problem, but could not get it fixed. They said it was not in their department.

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 2023-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 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 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: NY

Complaint narrative:
Yes, here I am again, I complained to XXXX XXXX  XXXX that I lost my money by not refunding my money, they promised me to send me a new gift card instead, and instead I received a non-usable gift card card, I called customer service again and again, they just kept verifying my information my card number, but they didn't do anything for me, made me wait till today I didn't get any money back to me It's really too bad, the new card sent to me can't be activated or used, it's a liar

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