vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
Freedom Mortgage NMLS ID XXXX does not immediately apply partial payments to outstanding mortgage balances. 

They wait until full payment is received to apply any funds to their serviced mortgages, resulting in additional interest due.

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 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ORG GC GP BUYER, LLC
State: KY

Complaint narrative:
GC Services called me this morning about my account with the Michigan State Treasury to pay off back taxes. I made a payment today, but I was about 10 days late. I didn't know they were a collection agency until I googled the phone number. I think they wanted me to believe they were the State of Michigan. The representative was incredibly rude and hung up. I am not sure if they are going to try and ruin my credit or not, but I am NOT behind on my payments, I was just a few days late ; times are hard. I have attached proof that I've made my payments. Please tell GC Services not to ruin my credit, as I am current on my tax account. These guys have already been in trouble for impersonating government officials and making threats. Here 's the link. https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I opened a TD Bank account on XX/XX/22 and funded it. On XX/XX/22 I was locked out my online access. After calling in I was told it would take 24 hours to unlock the account. It has been way over 24 hours at this point and I still can not access my account or funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
Good morning, As of XX/XX/2022, Southwest Credit Systems , LP alleges that I owe them a debt of {$160.00}. I am not liable for the debt nor do I have a legal written or verbal contractual agreement with Southwest Credit Systems , LP. 

XXXX has already removed this account from my credit report. I'm requesting that this information also be deleted from my XXXX and XXXX credit reports, many thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: BSI Financial Holdings, Inc.
State: OH

Complaint narrative:
BSI Financial Servicer is now reporting my mortgage payment deliquent 30 days and trying to ruin my credit. We have never been 30 days late. The mortgage for XXXX and XXXX was paid totaling in amount of {$4500.00} on XX/XX/22 by save the dream ohio hafs program. BSI knows I was approved for State assistance through the HAFS Save the dream Ohio program. The money was sent to pay my mortgage in a timely manner but BSI Financial has not even added the money to my account. Now they are putting deliquent on my husband and my credit report. I never get anywhere talking to BSI. No one knows what's going on and they do nothing to help their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
This is a prime example of Willful Noncompliance I am exercising my right under the Fair Credit Reporting Act, Metro II Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1, 15 U.S.C. 1681s-2 ( b ), 15 U.S.C. 1681, et seq, and 15 U.S. Code 1681n, I am request you remove this item immediately. XXXX XXXX XXXX XXXX XXXX account number : XXXX. This account is being reported illegally. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ), furnishers must investigate disputes received from Credit Reporting Agencies ( CRAs ) and correct inaccurate information. See 15 U.S.C. 1681s-2 ( b ).

Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to another entity ( XXXX XXXX ) -Accounts not reporting monthly updates. 
-Willful Noncompliance 15 U.S. Code 1681n ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of

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 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
On XX/XX/2022, I noticed on my credit report a collections being reported in the amount of {$1800.00}. I began the disputing process, and after waiting months for a resolution, on XX/XX/2022 I requested a debt validation letter from the collection company known as Eastern Account Systems. After waiting over 30 days, I called the aforementioned collection company to demand that the debt be removed. To which I was informed that a debt validation letter had already been sent to a previous address. I believe this is a blatant lie, as my address had been updated over a month prior to this company even receiving the debt with both the USPS and NYS DMV. In addition the USPS had instructions to forward any mail received to my current address for an additional 90 days. I believe this a a malicious violation of my rights guaranteed by the Fair Credit Reporting Act, and demand that not only the debt be removed from my credit report, but also I am compensated for my time and distress in regards to this matter

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NE

Complaint narrative:
I selected that I do not want overdraft coverage through the US Bank app. This led me to believe that if I had insufficient funds then the charge would be declined and I would avoid an overdraft fee. However, unbeknownst to me, that does not include recurring charges. The app did not mention that some recurring charges could still process. Hence the reason I had 2 charges come through which I received fees for. I have called US Bank multiple times to rectify this issue and they refuse to waive the fees. I believe this to be a UDAAP violation since they were deceptive in never telling me about recurring charges potentially coming through.

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 2022-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood is manipulating stock option price against true price proven by XXXX  screenshots taken at exact same time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: PA

Complaint narrative:
XXXX was reporting inaccurate information on my credit report that has caused me significant harm to me and my character. This has held me back from getting financial gains. I had requested so many reinvestigations about a XXXX XXXX account that was being reported and sold without my consent. Now the two XXXX XXXX accounts are not viewed on my XXXX report however XXXX has the fiduciary duty and obligation to notify all furnishers, Transunion, XXXX, XXXX, XXXX, of this inaccurate reporting and XXXX has failed to do so. All other furnishers are reporting inaccurate information on my consumer report and this too is causing me significant harm. XXXX has failed to fulfill their obligation pursuant to the Fair Credit Reporting Act, for the banking system is depending on fair and accurate reporting of the consumer. Also XXXX failed to delete all inquires on my account and also failed to remove the fraud alert like instructed to do by the consumer. Demand removal of job information

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 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
My business partner ( XXXX XXXX ) died XXXX XXXX, 2018. We had a business ( XXXX XXXX ) and a bank account at Wells Fargo account number XXXX. When XXXX died there was approximately {$8000.00} left in the bank account. We have been trying to get the funds released so we can close out XXXX XXXX with the IRS. This is our second complaint because the last complaint yielded the same results. Wells Fargo claims the account has been closed and the funds sent to the State of Texas. According to the State of Texas unclaimed property, the money from Wells Fargo is not there. We have been trying to get these funds released for almost 4 years and we keep getting the same run-around from Wells Fargo 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 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect hhas been placing, removing, and returning debts to credit report, doing damage to my credit. Company has been complained about by myself in the past ( Complaint XXXX ) but has done nothing but even use the CFPB complaint to try to collect the debt and did nothing to address my initial complaint. Company has failed to comply with FDCPA regulations relating to debt collection, including failing to provide proper validation as required under the FDCPA and XXXX XXXX of the Texas Finance Code, merely sending a copy of a statement instead of full information that authorizes them to collect the debt. 

Recent issue involves the reporting of debts. Procollect removed their debt from my XXXX report on or before XX/XX/XXXX, when such change was detected. Procollect returned the debt to my report on XX/XX/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 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I applied to Capitol One XXXX  credit card. 
They pulled my credit and I have good credit and my profile says apply for more credit now. I applied and they delayed processing the application intentionally. They never contacted me or sent anything. All my bills have been paid off and my credit is ready for a card. The average credit they approve for this card is XXXX. They took so long that everyone knew they were doing something they had no business doing. I want to file a comps to receive due process and receive my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There was no correspondence no notification of any updates

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I requested that EXPERIAN send me a copy of my credit report by mail and they refuse to do so. I also requested that they stop reporting inaccurate information on my consumer report of two XXXX  XXXX ACCOUNTS that are inaccurate and are reporting without my written consent. This is a violation of my consumer rights and the Fair Credit Reporting Act. I demand that these accounts are removed just as XXXX removed inaccurate information.

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 2022-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: AZ

Complaint narrative:
On XX/XX/2022, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/2022, Explore Credit debited {$310.00} from my bank account. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: KS

Complaint narrative:
This is a prime example of Willful Noncompliance I am exercising my right under the Fair Credit Reporting Act, Metro II Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1, 15 U.S.C. 1681s-2 ( b ), 15 U.S.C. 1681, et seq, and 15 U.S. Code 1681n, I am request you remove this item immediately. XXXX XXXX XXXX XXXX XXXX account number : XXXX. This account is being reported illegally. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ), furnishers must investigate disputes received from Credit Reporting Agencies ( CRAs ) and correct inaccurate information. See 15 U.S.C. 1681s-2 ( b ). 
Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to another entity ( XXXX XXXX ) -Accounts not reporting monthly updates. 
-Willful Noncompliance 15 U.S. Code 1681n ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax violated my privacy without my consent or authorization I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

PERSONAL INFORMATION Delete Aliases - XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation Account - Federal Account Number - 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. 

Delete this account immediately {$1000.00} per violation Account - Federal Account Number - 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. 

Delete this account immediately {$1000.00} per violation Account - Federal Account Number - XXXX 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. 

Delete this account immediately {$1000.00} per violation Account - XXXX XXXX  Account - XXXX no account number but amount of {$4800.00} 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. 

Delete this account immediately {$1000.00} per violation Account - XXXX XXXX  Account - XXXX no account number but amount of {$47000.00} 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. 

Delete this account immediately {$1000.00} per violation INQUIRIES XXXX XXXX XXXXXXXX  XXXX XXXX Delete this account immediately {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
I get a phone call from eagle loan company once per day which a direct violation of my privacy and rights. Furthermore when I call them back they threaten me with purposely reporting incorrect and false information to the credit bureau. Which is a fraud on their part and they are purposely trying to hurt my credit. Also when I opened this loan my check was stolen from me amd this was reported to the police and they still expect me to pay it off. This is very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Capital One Bank for causing me a financial loss of {$6000.00} because of their mis-operation. 
I have had a banking account with Capital One for a long time. I wrote a check ( check XXXX ) for XXXX {$6000.00}. The Capital One disbursed {$6000.00} from my banking account but there is no endorsement on the check. The intended payee sent me a bill for payment. I have reported this to Capital One Bank. The case number in Capital One is # XXXX. Initially, they assured me not to worry because they would either prove the payee got the money or credit the money back to my account if they could not prove the payee got the money ( in case the wrong payee got the money ). 
However, it has been more than half a year. I have been very patient and tried very hard to solve the problem with Capital One bank without any success.

Company response to consumer: Closed with explanation