vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX and XXXX acct # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I paid a debt on my credit in full on XX/XX/2022 for {$900.00}, but transition and XXXX were showing it still has a balance of {$170.00}. It also has an incorrect date this account was opened. I submitted disputes and they just sent me the results saying it's accurate. I have receipts and a letter from the creditor showing otherwise.

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 2022-07-29 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 Reporting Act, US Bankruptcy Court # XXXX has violated my rights. 15 U.S.C 1681 section 602 a : States I have rights to privacy 15 U.S.C 1681 section 604 a section 2 : States a consumer reporting agency can not furnish a account without my written instructions I have attached a letter from US Bankruptcy Court that states they do not report any information to the credit bureaus.

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 2022-07-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Submitted loan application with Bank of America for Home loan of credit on XX/XX/XXXX. 
I received call next on the phone i provided next day that loan application is accepted but will take up to 6 weeks to assign loan offices. I uploaded all required documents and called customer service to confirm that all required documents are uploaded. 
Customer service at that time confirmed that all required documents are received and complemented me for timing and accuracy. Called to check status after 5 and 6 weeks and keep getting same response, officer is still not assigned. Finality my wife got call on XX/XX/XXXX to give call back at XXXX extn XXXX but after working hours. 
Left several messages on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no reply. 
Finally on XX/XX/XXXX XXXX picked up the phone and informed that application is closed with the reason that they couldn't reach us and some missing documents. XXXX was very rude and bad manners. Left a message for his manager awaiting call from her.

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 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE

Complaint narrative:
My credit card, Capital One, was frozen almost 4 months ago. The card tells me it is because of suspected fraud. Several times in the 3 years that I have had this card this has happened. I have told them many times I live in XXXX. This has cost me a lot of money. The most expensive was when a flight my family was taking was canceled at the last minute because I tried to pay for a small check in bag with the card. I had to pay almost {$600.00} dollars for my family to travel by train so that we wouldn't lose our money on hotels and tours for a week. The card refused to help clear up the matter and the charge on my card for flights we couldn't take. In the latest problem with closing my card, I have given them my SSN, Birthdate, telephone, address and more and they will not accept this. They will not tell me what the charge was only than it was in the town in XXXX where I live. Capital One tells me I must send a valid photo ID to them. The only XXXX active ID '' XXXX I have are my Official ( red ) passport and my DOD ID card. Regulations do not allow me to provide copies to private companies. I have told them this. I'm assigned to a military base in XXXX. My official address with the card is an " XXXX '' XXXX XXXX XXXX. Due to XXXX and current events, I have not been back in the XXXX for XXXX years so I don't have other active ID. I have spoken directly to the Fraud Office and Customer Service many times without success. I just want to get my rewards that I have earned with the card and then cancel it but I can't. This is why I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I paid a debt on my credit in full on XX/XX/2022 for {$900.00}, but transition and Equifax were showing it still has a balance of {$170.00}. It also has an incorrect date this account was opened. I submitted disputes and they just sent me the results saying it's accurate. I have receipts and a letter from the creditor showing otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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 — Problem with personal statement of dispute
Company: Financial Business and Consumer Solutions.
State: AZ

Complaint narrative:
I paid a debt on my credit in full on XX/XX/2022 for {$900.00}, but transition and XXXX were showing it still has a balance of {$170.00}. It also has an incorrect date this account was opened. I submitted disputes and they just sent me the results saying it's accurate. I have receipts and a letter from the creditor showing otherwise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: KEYCORP
State: NY

Complaint narrative:
My dol sent me XXXX in benefits to KeyBank they mailed my sister house. She lied stole card sent to my parents in Tennessee who active and set pin and stole all money. I have all proof then I file dispute KeyBank took full responsibility said they forgot cancel the card they knew was stolen and send final credits 2-3 different times to the same card that was reported stolen 3 months earlier you sent final credits 3 times to the card u knew they had. I went all way downTN filee police report I lost my apartment due to this and was XXXX  then finally they promised they would fix it sent me a .card with nothing on it and now saying they gavee.the final credits. Already I gave them all information they asked for now they're trying blame NY DOL saying their not responsible for getting me my credit they promised. Negligence on their part allowed my parents to steal XXXX dollars from the bank or dol bc they never. Cancel card and admit it was their fault. This has caused me so much heartache and trauma

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: NY

Complaint narrative:
Hi i sent a letter on XX/XX/22 to dispute a account on my consumer report that is not accurate. experian got the letter on XX/XX/22, XXXX XXXX got the letter XX/XX/22 and XXXX got the letter XX/XX/22. I also sent a copy or driver license and a bill showing my address. They sent me a letter stating that the account been verified. UNDER 15 USC 1681i ( c ) ( 5 ) -Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-07-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My brother who is XXXX tried to send me a check for XXXX Wells Fargo deemed fraudulent, they said to have him send another check which he did, I went into the Wells fargo branch opend a new account deposited the money, the bank XXXX approved the check. We are dealing Wells fargo to Wells Fargo, we both have the same last name and my name is on XXXX of his other accounts. Again they said it was forgery, then in speaking to Wells Fargo I explained my brother is in the hospital can not walk and wont be released anytime soon. They advise for him to do a wire transfer since he can. He did that on XX/XX/XXXX. Next thing i know my accounts are frozen. for Fraud. I call the fraud number, explained it isnt fraud, she said can your brother call. I said yes. My brother who by the way is in another state, calls the bank they verify and he confirms he wants the transfer of XXXX to be sent to me. They said they didn't believe him, even though they sent a pin code, and asked his social, birth date etc. He gave them all my info as well. They said he needs to go to the bank,. he explained he is in the hospital and can not walk and if he could go to the bank he wouldn't need to do this. He then tells them just leave the money in his account and release my accounts and they wont do that. I call back and they refuse to help me and still consider this fraud. We follow their instructions and do exactly what they said and get everything verified. Even the person on the phone said all of the information is verified, but whomever is making a decision that is affecting my brother who needs help now to have someone pay his bills and my access to my banking. They are ruining our lives for no reason and causing all of this XXXX and locking up my accounts is absurd. I have been a customer for over 20 years as my brother has been. I need someone to help. No XXXX will.

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 2022-07-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover Card called Mom to ask for an over the phone payment of {$5.00}. 
1. They provided her the FULL account number to her non-Discover checking account.

2. They asked her to verify information about herself. 3. They pressured her to make a payment over the phone for a 30-day balance. 

We called Discover Card the next day to ask the following. 
1. They remove her ACH Banking Information from their records.

2. They not call her to ask for payment information over the phone.

They said that they were unable to remove her personal information regarding her checking account from their records. To our knowledge, this information was never provided and Mom did not authorize ACH debits from her account.

This is further proven by the checking account in question being less than 6 months old. 
To resolve the matter and prevent further fraud, we closed the Discover Card account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-07-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
In XXXX someone was accessing my computer remotely, someone called me and stated that my computer had a virus and they need to access my computer do remove the virus for XXXX. When they accessed my computer remotely they made purchases without my consent or knowledge. They made a purchase through XXXX for more than XXXX which AFFIRM paid it in full, and sent the items to another state. I dont know how this happen, but i update my passwords and got another computer... 

I contact XXXX, and they told me they refuse to help me, and told me to contact AFFIRM, i contacted AFFIRM and they said i was liable for the merchandise. Even though my account were compromised. 

Its not fair that i was hacked and made a police report and contacted both companies to stop the shipping when i noticed it. 

Only to be held liable XXXX Order number XXXX AFFRIM LOAN ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was charged {$69.00} 3 times. When I noticed it I notified my bank. I canceled my debit card and disputed the charges. I gave the bank all the info I had. Their contact info isn't not listed on my statement other than XXXX XXXX XXXX. They're not on the internet. No phone number that I can find. The paperwork from the merchant that my bank sent to me only that states I ordered something. The info is simply my debit card number and my name, no XXXX number, nothingelse. They couldn't provide an item description however. This merchant is listed as an auto accessories store on my bank records. I didn't order any such thing. I've recieved no product. Only after I disputed the charges did the charges stop. Then a supposed delivery came into play. Why after 3 charges over 3 months did a delivery come into it the day after Isubmitted a dispute? I need that money back! I want the NSF charges my bank charged me for pmnts that bounced because of this. I need help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
Back in XXXX I was unable to pay the mortgage every month due to my spouse losing their job. So I tried to work with my mortgage company to either lower the payments or go in to forbearance. They either gave me thr run around or denied me in the span of amount XXXX. So we reached out to the MD Homeowner Assistance Fund And got approved to have out mortgage paid off but our Mortgage Company will not respond directly to their request. The only thing they were about to stop was our sale by date which was in XXXX. 

No matter how many calls I make to make the connection between the program and my more company it falls on deaf ears. They gave me an email and no one has responded to their request. 

This is very frustrating and it will be a year this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
XXXX Received Notice of Servicing Transfer from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXXXXXX 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 XXXXXXXX Received Delinquent Notice from XXXX XXXX Called XXXX and spoke to an agent who advised that the XXXX XXXX XXXX XXXX XXXX was rescinded in XXXX XXXX though I have not received a rescind notice. Agent attempted to collect XXXX mortage payment + late fees, though the payment was made to their designee, XXXX XXXX, on time as previously instructed. Agent confirms that prior payments sent to XXXX have been credited to my account. I sent proof of payment for XX/XX/XXXX to XXXX XXXX via email. Agent was incredibly aggressive and rude and attempted to collect personal information to be used in collecting debt which was not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A listing was posted on XXXX marketplace for a rental. During communication with the supposed landlord, I was asked to send a partial deposit in order to get access to see the room. I sent multiple payments through XXXX as a result. After realizing I was scammed I asked Chase bank to reverse the charges but they claim they couldnt recover the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX SHOWS OPEN, I PAID THIS ACCOUNT TO A COLLECTION COMPANY IN FULL. I HAVE A LETTER FROM XXXX XXXX XXXX. I HAVE BEEN REPORTING TO ALL XXXX CREDIT BUREAUS THAT XXXX XXXX IS CLOSED AND SUMMITED THE LETTER STAYTING ITS PAID IN FULL. ALL BUREAU COMPANIES KEEP SAYING THAT THE COMPANY THAT REPORTED TO THEM SAYS ITS STILL OPEN. I HAVE CALLED XXXX XXXX SO MANY NUMBERS AND THEY SAY THEY DONT HAVE IT OPEN. I DONT KNOW WHERE THE CREDIT BUREAUS ARE CALLING, AND THEY KEEP LEAVING THIS OPEN AND ITS NOT OPEN IT WAS PAID IN FULL AND ITS HURTING MY CREDIT. I HAVE BEEN AT THIS FOR XXXX XXXX YEAR AND NOTHING GETS RESOLVED.

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