vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have an account open with Capital one and was errors that caused restriction on initiating my tax refund from the IRS I will like to have it escalated to claims for making purchases that disputed XXXX claims that were in my account when it reversed a loan that we had on my account to supply my account information stated that they were giving it to other banks and consulted them to link them together with the transfer. So I made a complaint that it was not lignin in my user name due to restrictions and owed me money on my job for a claim refund I ipen case called them and asked them to waive them and A fraid investigation was open on my account and enabled a security that could reflect the results later but never sent me the claim refund said could take up to 90 days to waive and I need some help opening my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department. Please block and remove all information fraudulent information from my credit report! The following items do not belong to me and is a result of fraud that I did not authorize. 


Fraudulent Inquires stated below 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX A XX/XX/XXXX Fraudulent Collections/ Closed accounts 1. XXXX XXXX XX/XX/XXXX {$970.00} 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NOTE/WARNING : DON'T REMOVE ANY ACCOUNTS THAT I HAVEN'T LISTED ABOVE BECAUSE I AM BUILDING A CASE ON THIS FRAUDULENT ACTIVITY AND SOMEONE WILL BE PROSECUTED AND SUED FOR TAMPERING WITH MY PERSONAL INFORMATION FOR THEIR OWN PERSONAL GAININGS. SO THERE IS NO NEED TO MAKE MATTERS WORSE BY REMOVING ACCOUNTS THAT ARE ACTUALLY MINES ON MY CREDIT PROFILE. THANK YOU!!! 

Please block and remove all information resulting from Identity Theft Pursuant to FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states thst these accounts must be removed within 4 Business Days of Receipt. 

Sincerely, 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 2022-07-02 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:
I am contacting you about the compromising of my social security number. I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department. Please block and remove all information fraudulent information from my credit report! The following items do not belong to me and is a result of fraud that I did not authorize. 


Fraudulent Inquires stated below 1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX A XX/XX/XXXX Fraudulent Collections/ Closed accounts XXXX. XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NOTE/WARNING : DON'T REMOVE ANY ACCOUNTS THAT I HAVEN'T LISTED ABOVE BECAUSE I AM BUILDING A CASE ON THIS FRAUDULENT ACTIVITY AND SOMEONE WILL BE PROSECUTED AND SUED FOR TAMPERING WITH MY PERSONAL INFORMATION FOR THEIR OWN PERSONAL GAININGS. SO THERE IS NO NEED TO MAKE MATTERS WORSE BY REMOVING ACCOUNTS THAT ARE ACTUALLY MINES ON MY CREDIT PROFILE. THANK YOU!!! 

Please block and remove all information resulting from Identity Theft Pursuant to FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states thst these accounts must be removed within 4 Business Days of Receipt. 

Sincerely, 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 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MIDFIRST BANK
State: OK

Complaint narrative:
When I transfer money from my XXXX checking account to my MidFirst checking account it takes forever for MidFirst to credit my account. The first time it happened I called them & was told it took so long because it had to go thru the clearing house. I'm sorry I didn't document the dates but I did the next time it happened. On XX/XX/XXXX I transferred money from XXXX to MidFirst. MidFirst didn't credit my account untiXXXX XXXX XXXX, 16 days later! With practically everything being instant these days I'm having a hard time believing that if transfers really do have to go thru the clearing house it takes them 16 days!? I believe MidFirst is dragging their feet & not applying the funds to my account in a timely manner.

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 2022-07-02 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: NY

Complaint narrative:
So I sent a letter off on XX/XX/XXXX to remove personal information that I do not want on my credit report.According to the fair credit reporting act 15 USC 1681 I have the right to privacy. 
Also according to 15 USC 6802 no financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights. 

This is my only address : XXXX XXXX XXXX XXXX, NY XXXX. 
My D.O.B is XX/XX/XXXX Last 4 of SS # XXXX I sent them a copy of my driver 's license and a current bill attached to the letter. 
I want these 2 addresses listed below to be remove from my credit report. 

Address 1 : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2022-07-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BOEING EMPLOYEES' CREDIT UNION
State: IL

Complaint narrative:
BECU, XXXX, opened this account > XXXX XXXX  XXXX XXXX in my name. I never authorized this. I did not request it. It is not my account. I have receive a negatived hit on my credit score that leads to this bogus account. 

I also have noticed the following charge cards ascibed to me that I do not posses and have never signed up for. I do not know where they came from. I demand that they be dissolved and my name removed from all credit listings.These companies FRAUDULENTLY opened accounts in my name. I want them charged and prosecuted as such : XXXXXXXX XXXX  Not available XXXX... 
INDIVIDUAL As of : XX/XX/2022 Charge Card XXXX {$0.00} XXXX... 
INDIVIDUAL As of : XX/XX/2022 Credit Card XXXX XXXX {$0.00} XXXX... 
INDIVIDUAL As of : XX/XX/2022 Credit Card XXXX XXXX XXXX XXXX {$0.00} XXXX... 
INDIVIDUAL As of : XX/XX/2022 THIS IS ILLEGAL. I AM REQUESTING THAT CFPB FORWARD THIS COMPLAINT TO WHATEVER GOVERNMENT AGENCY IS IN CHARGE OF CRIMINAL PROSECUTION OF THIS KIND OF FRAUD. I do not own these instruments. Or is the prosecution of XXXX XXXX and other economical havoc mongering criminal untouchables too much to ask of my government agencies charged with protecting all it's citizens and not just the obscenely rich? 

I demand BECU to close that account and restore my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
This creditor continues to report outstanding balances regarding medical debt to my credit report. I have advised and requested over a period of multiple years that either them or the original creditor can submit any outstanding medical debts to either XXXX XXXXXXXX or XXXX depending on dates of service. They have also been advised by me that they could have presented these bills in a retroactive manner. I have also requested to the current and original creditors to provide to me in writing that they have submitted any bills to the eligible insurance companies for payment and that they were denied by the insurance company. Despite my many requests to provide in writing, as of XX/XX/2022 I have no received any notification of denied claim in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Opened a new account with XXXX XXXX XXXX, and when I attempt to access my account online their entire website and phone tree is down. I can not register for access, see my info, or pay the bill that is due. Checking online shows this site has been down for weeks. I don't want a hit to my credit because I can't pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc.
State: DE

Complaint narrative:
Noticed a new card opened in my name with XXXX XXXX in mid XXXX. Called them multiple times to advise closing card and to send me to fraud department to get this closed and fixed. Would not inform me of status, would not let me speak to management, hung up on me multiple times when I asked for documentation of fraud being taken care of. Froze my credit and worked with them to send a letter. Still no response and will not speak with me on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity has been updating their website for a while now and I havent been able to pay my card. I dont want my credit score to be affected because of them. Im reading also that they might have gotten hacked and that just worried me more specially regarding my personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Yes I applied for a loan and I was wrongfully denied. The company has been given numerous loans and they were all paid off and we do qualify but still no loan. I get error messages. This is the first complaint I have filed about this matter but it has been an ongoing issue since the last loan was paid off We are a 20 year plus account and we should not be going through this. 

I am on file at the Nevada Secretary of state. I do not choose to give my social security number out because XXXX XXXX who is the owner has given his and actually this is an LLC and it is not required by law and I am afraid of becoming the victim of identity theft. To my knowledge if it is an LLC it is not required. I am not sure if this is XXXX XXXX behavior or it is just illegal and unethical activity in business dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This is a complaint about Bank of America ( BOA ) and their customer service. I am writing to request the proper process of my deposit {$1800.00}, my money {$5600.00} they put on hold, and apology from the customer service. 

On XX/XX/2022, I deposited {$1800.00} of a check with total amount {$5600.00}. I got the deposit {$1800.00} on the same day, with another transaction called " Bank Adjustment '' with amount of {$3700.00}, which is the rest of the check. Then, on the same day, Bank of America ( BOA ) took {$5600.00} from my checking account. 

In the morning of XX/XX/XXXX, I received an email from BOA saying my available account balance is low. I logged into my account and found they put {$5600.00} hold on my account. That's on top of the {$5600.00} BOA took from my account on XX/XX/XXXX. 

I called the customer service at XXXXXXXX XXXX in the morning of XX/XX/XXXX, and explained what happened. The customer service claimed the {$5600.00} they put on hold is from the check. I further explained several times to XXXX XXXXXXXX clearly didn't understand anything and then hang up my phone call without saying anything when I was talking.

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 2022-07-02 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts that i did not authorize.I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-07-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Block, Inc.
State: AR

Complaint narrative:
Cash app account has been hacked by some unknown person and have many unauthorized transactions on account from XXXX tell now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: TN

Complaint narrative:
According to 15 USC 1681 an account can not be furnished on my consumer report without my consent. I have not given any consent to XXXX XXXX or XXXX XXXX XXXX to furnish these accounts on my consumer report. Furthermore they are charged off and are reporting incorrect balances to the credit bureaus. I have also not received my 1099c which is required to be sent to the consumer once the account is charged off. By law they are required to notify me once the accounts have been charged off and have failed to do so, therefore Im motivated to seek monetary relief of these accounts.

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 2022-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
XXXX XXXX I called many times told them I never opened XXXX check my estranged wife XXXX XXXX. I have XXXX XXXX  & they never listened. I talk to them or collection just wants money. Its horrifying

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
This account is the only account in the past 5 years that Ive fell on hard times for a brief period and got behind on. Its the only account prevent my credit score from returning to a point at which I can apply for a construction loan to build a new home. If I pay this debt completely off in return will Wells Fargo delete the 4 late payments as a good will adjustment in return? Or not report the account to the 3 bureaus as its not required 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 2022-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have a XXXX credit card with Comenity Capital Bank and my payment is due today. I have been trying for days to pay my bill. I tried to log in I receive a message that my account was closed. I never receive a notice informing me that my account would be closed. I also tried to call and receive a voicemail indicating that they are experiencing a phone outage. This has been going on for days. 

I tried using the XXXX  link but you need your full account number which I can not get into because I am enrolled for online statements. I can not get to them since I can not get into my account online. I tried the chat feature and the virtual assistant kept sending me in circles. This is very frustrating and now I am going to get a late fee because I can not get in contact with anyone to pay my bill. I am being sent in an endless loop with no way out. This is a horrible customer experience. As a result, I am going to get a late fee and I reported late on my bureau. I have an excellent payment history and now to no fault of my own, I am being forced to pay late. I do not know which way to turn. They did not even send me a letter or an email on the account closure or instructions on how to pay my balance going forward. This is not fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-02 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: TN

Complaint narrative:
According to 15 USC 1681 an account can not be furnished on my consumer report without my consent. I have not given any consent to XXXX XXXX or XXXX XXXX XXXX to furnish these accounts on my consumer report. Furthermore they are charged off and are reporting incorrect balances to the credit bureaus. I have also not received my 1099c which is required to be sent to the consumer once the account is charged off. By law they are required to notify me once the accounts have been charged off and have failed to do so, therefore Im motivated to seek monetary relief of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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:
According to 15 USC 1681 an account can not be furnished on my consumer report without my consent. I have not given any consent to XXXX XXXX or XXXX XXXX XXXX to furnish these accounts on my consumer report. Furthermore they are charged off and are reporting incorrect balances to the credit bureaus. I have also not received my 1099c which is required to be sent to the consumer once the account is charged off. By law they are required to notify me once the accounts have been charged off and have failed to do so, therefore Im motivated to seek monetary relief of these accounts.

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 2022-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: MS

Complaint narrative:
TRS Recovery Services is claiming my Grandmother owes two different fraudulent check amounts to XXXX XXXX XXXX, cashed by XXXX XXXXXXXX XXXX. 

1. Date XX/XX/2022 for {$400.00} Check # XXXX Transaction # : XXXX XXXX. Date XX/XX/2022 for {$240.00} Check # XXXX Transaction # : XXXX We haven't paid anything, and I keep telling TRS to tell XXXXXXXX XXXX XXXXXXXX to CHECK THE CAMERAS. 
We do not know if her identity was stolen, or if TRS Recovery Service is used as a false front for bait, because they are asking for ALL HER INFORMATION on this debt collection form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Stellantis Financial Services US Corp.
State: UT

Complaint narrative:
I received a repossession notice in the mail on the XXXX of XXXX of 2022. Which gave me 3 days over a holiday weekend to come up with the money. The letter was dated on the XXXX of XX/XX/2022. The letter says that I have 13 days from the date of the letter to make a payment on the amount that is past due. It appears that they held onto the letter for several days before it was put in the mail since it should not take until the XXXX of XX/XX/2022 to receive it. If it was mailed on the XXXX of 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 non-monetary relief