vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Hello, I applied for a Capital One creditcard back on XX/XX/2023 acct number XXXX and I was denied, but upon further investigastion Ive found a mistake. 
Regardless of the reason of my denial, I have a right to credit, and withholding my access to my securities is securities fraud. You are violating The Equals Credit Opportunity Act, and The Consumer Credit Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and correct it immediately in my report : 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 explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: LA

Complaint narrative:
Dispute letter have been sent out regarding the debts in question, have received any documentation within the 5 days stated by law. I am a human being my name is XXXX XXXX, I feel totally disrespected bu the credit bureaus. i have a right to privacy. I also have an issue regarding Investigation Consumer Report, once something has been deleted it cant be placed back on my report unless some confirms it as being accurate. So who confirmed the accuracy and whom did the credit bureau speak with concerning the Investigation of Consumer Report. I never authorized the Inquiries on my credit report. My information appears to have been comprised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX  and XX/XX/XXXX  I received money from a family member that was helping me pay my rent and other bills to my Venmo account. I tried to do an instant transfer to my bank account but kept getting an error message, I then tried transferring the funds using the standard 1-3 day method. I received a confirmation email that the funds would be in my account on XX/XX/. On XX/XX/XXXX  I received an email stating that due to suspicious activity my account was temporarily suspended and to provide proof of my identity by sending a copy of my ID, a selfie holding my ID and to change my Venmo account password. Also in this email it states that once those things have been done, they would happily reinstate my account. After doing all 3 of these steps, I then get another email from Venmo stating that they received my ID and that my account has been permanently deactivated and they are holding my funds for 180 days. I then called their customer service immediately requesting an explanation as to why and got a response of " the account specialist will review your case and reach out to you via email. '' There was no valid reason given as to what user agreement was violated. I read through ALL 27 PAGES of their user agreement and found nothing that I am in violation of. I have been contacting them via chat everyday and I they just keep coping and pasting the " permanently deactivated '' email that I received. And on XX/XX/2023 I received an email that ended with " Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. '' I have done tons of research on this exact situation and Venmo is doing this to thousands of there customers! I have money frozen on there that I need to pay my bills with and if I don't get my money released me and my child will be homeless. This has had me sick to my stomach and is definitely deceptive practices and a violation of my fundamental rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to open a five year CD on XX/XX/2023 for XXXX with BMO XX/XX/XXXX on their website, filled in all the correct information, received and used their verification code n my phone, and go rejected twice without explanation. The bank uses a no reply email, and I am abroad for the month and can not contact them at al ( they only have a phone number, which you will be on hold for for an hour ). They provide no reason for the rejection ( and could have none ), no mechanism for appeal, requested no information, and provide now way to contact them on line. This is fraudulent and a licenses bank should not be allowed to deny a CD account arbitrarily, with no information provided and no way to appeal, especially for a five year CD ( what would be the issue? )

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 2023-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 
XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX customer service. I am aware of my rights under the Fair Credit Reporting Act, and I trust that you will handle this matter with the urgency and diligence it requires. The inaccurate reporting of late payments has a significant impact on my credit score and financial standing, and I am eager to see a prompt resolution to this dispute.

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Dear American Express Customer Service, I am writing to address a matter of profound concern regarding an unauthorized credit application submitted in my name. According to recent correspondence, I applied for the XXXX XXXX XXXX XXXX on XX/XX/, and subsequently received notice of the application 's decline. This letter serves as my second complaint following my initial report filed with the Consumer Financial Protection Bureau ( CFPB ). 

Upon thorough review, I wish to emphasize that I did not authorize the credit application in question. I am deeply committed to maintaining financial responsibility and ensuring the accuracy and integrity of my credit profile. In this instance, I have become a victim of fraudulent activity, as I did not submit the application, and this is a mistake that requires urgent rectification. 

The reason for my filing a report with the Consumer Financial Protection Bureau ( CFPB ) is to bring this matter to their attention. This marks my second CFPB report on this issue, and respectfully, I anticipate it will be the final one. 

I am reaching out to you as an initial step in resolving this matter. Recognizing that errors can occur, I believe that through collaborative efforts, we can promptly correct this discrepancy. I kindly request that you conduct a thorough investigation, considering the steps I have taken to dispute the unauthorized application. Under the Fair Credit Reporting Act ( FCRA ), I am protected against inaccuracies on my credit report, and I trust that American Express will adhere to the legal provisions in addressing this issue. 

Your prompt attention to this matter is crucial in preserving the accuracy of my credit history. I request the resolution to include the removal of the unauthorized hard inquiry on my credit report, as this was not initiated by me. 

I appreciate your understanding and cooperation in resolving this issue promptly. I look forward to a timely and positive resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting 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:
I noticed a hard inquiry that was place on my trans Union from XXXX  XXXX XXXX from Texas. Someone stole my IDENTITY to use my name to open an account to this bank. I file a complaint to FTC about this madness they had give me a referral number. It is attached to this complaint as well.

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 2023-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
During the return, I provided the dealership with both sets of keys, and the appropriate paperwork was processed to confirm this. To my shock and disappointment, I was later charged an unwarranted fee of {$790.00} by Ally Financial due to an incorrect claim that only one key was returned.

I quickly acted to reverse this mistake by Ally, reaching out dozens of times, speaking with various managers, and even opening a formal claim to have this unfair charge removed. Despite my many efforts, this issue went unresolved and the claim went unclosed. 
Later, with no communication or response from Ally regarding the claim, I received a letter from a collections agency for the balance of {$790.00}. In the interest of preserving my financial standing and anticipating a resolution from Ally, I decided to settle the {$790.00} charge, even though I firmly believe I did not owe this amount. All of this was done to avoid damage to my credit score which was unfairly impacted and damaged by Ally Financial and their careless practices and lack of disregard for their customer 's outcomes.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fraudulent charges were made to the following accounts and fraudulent inquiries. The statue allows for multiple reinvestigation. 

Account name XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX XXXXXXXX  Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXXXXXX Account number XXXX Fraudulent inquiries : Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

Account name XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Fraudulent inquiries : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I attempted to login my account at TransUnion to access my report and was met with a message that denied me access to my report and forced me to pay for my internal reporting score. My score has been up XXXX points down XXXX points and back up XXXX points in 3 days at TransUnion. This has to be retaliation for the CFPB complaints I have under investigation that still haven't been resolved. This rollercoaster and fluctuation of my score is causing me to not be able to extend my credit. My score decreased XXXX points because of an account that posted XXXX positive credit card limit with no adverse remarks which lowered my debt-to-income ratio and the remark codes, " Dispute resolved ; reported by grantor '' and " the following remark was removed from this account : Account information disputed by consumer, meets FCRA requirements '' added to my account by TransUnion. I AM STILL DISPUTING THE VALIDITY OF THE ACCOUNT AND THE DISPUTE IS NOT RESOLVED. THESE COMMENTS ARE FALSE AND MISLEADING.

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 2023-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I HAVE XXXX TAKEN OUT OF MY ACCOUNT THEN THEY SAY THE FEE GETS WAIVED WHEN IN TURN IT DOESNT. I HAVE LOOKED OVER MY STATEMENTS WHERE IS IT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XX/XX/XXXX  XXXX XXXX  Reported XX/XX/XXXX  XXXX XXXX XXXX Reported XX/XX/XXXX  XXXX XXXX Reported XX/XX/XXXX  XXXX XXXX XXXX Reported XX/XX/XXXX  XXXX Reported XX/XX/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 2023-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
I had lost my job due to Covid Pandemic, found a new job but then got into a car accident. I applied for a loan to help me out. They gave me this huge loan, which helped, but did not give me lots of info about the interest. I also added unemployment insurance with the loan. I ended up losing my job again due to XXXX. I asked them to apply the Unemployment insurance and sent paperwork to them multiple times but it was never applied and they kept charging me. Then I get a statement in the mail saying I was in collections with Nelson and Kennard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without authorization, Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

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 2023-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Ria Envia, LLC

Complaint narrative:
Good Morning, on the XXXX of XXXX i transferred {$800.00} to a XXXX account in New York. THe account was provided to us by XXXX XXXX and a contract number XXXX was provided by XXXX XXXX. My XXXX XXXX account confirmed the transfer as well as XXXX confirming funds were received on the XXXX of XXXX. 
Despite this no money was transferred and I am continually receiving emails stating the funds have not been received despite confirmation from XXXX in an email that they have been received and that I should receive the wire transfer to my XXXX Account shortly. 
Multiple calls and conversations with XXXX XXXX can now no longer account for the funds. All conversations with them indicate that they will look into it however there has been no response other than that. 
Today on the XXXX of XXXX i contact XXXX to now be told that they dont have the funds despite confirmation that they have and that i have to take a screen shot of my bank details and send it to them as proof of payment. Obviously this is concerning as they have already confirmed they have received the funds. The funds have now not been paid as per their email and they can not locate them despite the contract number included on the referenced bank transaction. The money can not be accounted for so i am assuming there is fraud involved. Could you please help with this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I was in the Obama relief program for over 3 years and my loans was deferred. An payments was made on them up until XXXX of this years. this is my second time report the information to FTC. when I report them it was fixed but a 3rd party credit bureau has been falsely reporting information on my credit report after I have been a victim of Identity theft. information was faxed over to their office. plus I got a post card from life lock saying my information has been sold to the deep dark web. since I'm no longer with life lock I'm unable to obtain my post card they had on my profile. I never went to collage in the state of New York the name that I had on my credit report from a 3rd party credit bureau that a leasing agent use to verified customer credit report stated that I had to reach out to the XXXX XXXX  that I never been to before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
This card was gifted to me by my employer. When I opened the card the last half of the card numbers were scratched off the front of the card. I tried to use the card in store but the card is declined because the mag strip on the card does not work and the card reader does not pick up the card when swiped. I can not use the card online because I do not have the missing card numbers. I can not even check the card balance online due to the missing numbers. I contacted the card company Vanilla Gift Cards and told them about the issue. The representative asked me to send in personal information such as photo copies of my ID cards home address etc. I find it hard to send this sensitive information to this company when there is a history of fraud. I also told the representative I have a copy of the receipt when the card was purchased and would have no problem sending that along with copies of the card to them for proof of purchase. The representative told me there would be a case opened to investigate but it was unlikely this issue would be resolved. So I now have a {$150.00} gift card that can not be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I attempted to login my account at TransUnion to access my report and was met with a message that denied me access to my report and forced me to pay for my internal reporting score. My score has been up XXXX points down XXXX points and back up XXXX points in 3 days at TransUnion. This has to be retaliation for the CFPB complaints I have under investigation that still haven't been resolved. This rollercoaster and fluctuation of my score is causing me to not be able to extend my credit. My score decreased XXXX points because of an account that posted XXXX positive credit card limit with no adverse remarks which lowered my debt-to-income ratio and the remark codes, " Dispute resolved ; reported by grantor '' and " the following remark was removed from this account : Account information disputed by consumer, meets FCRA requirements '' added to my account by TransUnion. I AM STILL DISPUTING THE VALIDITY OF THE ACCOUNT AND THE DISPUTE IS NOT RESOLVED. THESE COMMENTS ARE FALSE AND MISLEADING.

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