vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
My issue is with XXXX mortgage. They had my VA home loan on my XXXX AK. property under loan number XXXX. The escrow refund was declared to be {$3500.00} by the company in a letter dated XXXX. XXXX. The letter indicated my payment by check went out as mail on XXXX XXXX. When I got the letter, I waited a few days and contacted them. It took a couple of try 's and four or five days to get a contact established. The last person I have talked with called me yesterday to say the check was being reissued and over-night delivered and I would get a tracking number as of yesterday, their close of business. That person goes by XXXX has a Ph. # of XXXX. Her provided extension is XXXX. Non of the things happened. I'm very frustrated as their own 20 day window has expired. I want my escrow overnight delivered as they promised. Thanks, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/2022 I received a charge of {$15.00} form a balance of {$20.00} leaving {$4.00} available in the account. I was charged {$36.00} overdraft fee at this time when there were no other transactions. On XX/XX/2022 I deposited {$20.00} to cover a pending {$5.00} charge, I was charged another {$36.00} overdraft fee. It is Representative XXXX in the XXXX spoke to supervisor XXXX in the XXXX who told me that the pending amount received the overdraft fee. This is against bank policies as well as Law. There was also no mention of the {$20.00} deposited I made. The Bank refused to refund me even though they recognized the error on their part. This is not the first time this has happened and I feel that someone needs to stop the banks from doing this to hard working people.

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 2022-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
On XX/XX/XXXX I paid for my XX/XX/XXXX bill that was due, I had XXXX in my XXXX  account to cover my Capital one payment. 
I noticed the XXXX wasn't taken out right away like many other charge accounts I have. 
So I waited a day and still nothing, I called Capital one and they advised me that it takes up to 48 hours to process a payment??? 
I also called XXXX card customer service and they said it's up to Capital one when they want to take out a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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:
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.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: CCS Financial Services, Inc.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Lendmark Financial Services
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX  NA, XXXX XXXX SER, XXXX CARD

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 2022-04-21 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
You will find all the details in complaint XXXX closed in XXXX. 

The complaint was made by XXXX XXXX one of the users of the card. In a letter I received XX/XX/2022, the bank wanted me, XXXX XXXX the other user and account holder, to confirm that the complaint came from me. I called them a few days later and they only asked me to confirm my identity. 

Since then I have no news from them. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2022 I paid the collection account from XXXX XXXX XXXXXXXX in full for the amount of {$820.00}. I was told by XXXX XXXX that the account would be deleted after payment. Its now been a month and nothing has been updated. I called the company today on XX/XX/2022 and they advised me that they have sent the update to the credit bureaus. They have just failed to remove the account.

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 2022-04-21 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report 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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report 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 explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Went to Navy Federal Credit union ATM on XX/XX/22 XXXX XXXX XXXX XXXX XXXX Made A Large deposit of XXXX into my checking account the machine kicked back XXXX but did not give me credit for the XXXX receipt told me we encountered A problem returning your cash please contact my financial institution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
According with the Fair Credit Reporting this company has violated my rights.

section 15 USC 1681 section 602 A states I have the right for privacy.

15 USC section 604 A states it also states consumer reporting agency can not furnish account with out my written instruction. 

XXXX XXXX XXXX account XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX acct. # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX and XX/XX/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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
According with the Fair Credit Reporting this company has violated my rights.

section 15 USC 1681 section 602 A states I have the right for privacy.

15 USC section 604 A states it also states consumer reporting agency can not furnish account with out my written instruction. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I believe that I am a victim of a racially motivated decision. on XXXX I received an email saying that my credit line was increased. I tried to use the card the same day and it declined. I called bank of America to try and find out what the issue was and they informed me that my account was actually closed. I was confused because I did not receive an email of a closed account, But of a credit line increase. When they closed my account, they blocked my access to pay the bill online. I had no idea how to make a payment. I was sent no instructions or warning. Bank of America has reported 2 late payments on my credit which has destroyed my credit, I had excellent payment history with them prior to closing my account. anytime I call in to get help with my account, I am told a new lie every time I call. On XXXX or XXXX XXXX, I called and reported financial hardship and all they did was lie to me and tried to set me up in a situation that would have further hurt my account. Every person I spoke to has been an a** hole with me, and it's only because I am a XXXX customer. I have no choice but to try and seek help with this.

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 2022-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here is the detail of the late payment accounts, company name, balance & date last reported XXXX XXXX {$0.00} / 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
Consumer complaint received 2022-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I feel fustrate becouse my account has been close without any reason. 

i had a limitation and was resolve succesfully. 

so, now my money is hold, i provided all document to PayPal about me and now they do no want help me with this problem. 


i wll apreciate if they can restore my accoung back. 

ID reference limitation d. de referencia : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have a hard inquires that isnt mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
I was not notified of an attempt to collect a debt for an old medical bill. Some called Central Portfolio Control appeared on my Credit report yesterday. I was never received any information about this debt and as a result I was not able to dispute it. I feel like this is more than likely an extremely old medical bill. I would like the opportunity to dispute this old medical debt and have it permanently removed from my credit report. The collection agency involved is : Central Portfolio Control XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CNG FINANCIAL CORPORATION
State: GA

Complaint narrative:
I keep getting threatening phone calls from a company called XXXX, for a debt that was paid by me and my old bank XXXX XXXX XXXX XXXX, in XXXX XXXX, Iowa. I paid over {$9000.00} last year on XXXX XXXX to pay off all or any outstanding debt I had. I have a confirmation number for this particular former debt that went from {$550.00} down to {$500.00}. in a settlement to pay the debt off!. I am not getting the credit apparently after I paid it they are trying to double dip on me. Here is the confirmation number as follows : XXXX - File number XXXX, I spoke to a XXXX back in XXXX of 2021, she took the payment from my bank debit card. A person named XXXX XXXX keeps calling me harassing me from XXXX, saying they are coming to my job, to arrest me, XXXX told me today XXXX is a XXXX  XXXX. She threatened to arrest me over {$550.00} that has already been paid by me and my former bank in Iowa! This is very scary! Its even been removed from the credit bureaus since I paid it for Check and Go I believe the name of the company is on XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX. They asked for my birthdate and last four of my social # today to confirm it was me to unlock the account for me. ITS PAID! 
Sincerely XXXX XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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:
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.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report 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 2022-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Mountain Run Solutions, LLC
State: CA

Complaint narrative:
Ok XX/XX/21 I called Mountain Run to settle the debt. I asked to speak with a supervisor to help me settle the amount owed on this almost XXXX XXXX XXXX debt that I wasnt aware of until it recently posted on my credit. Unfortunately, we were not able to come to an agreement and the supervisor began to belittle me and make fun of my financial hardship. I reminded her that I am a customer and not to be condescending towards me. She proceeded to correct me stating I am a consumer and that I can not afford to pay my bill much less a lawyer in a condescending demeanor. I was not able to tolerate her condescending tactics and I hung up the call. It is important to remain professional and kind everyone is going through rough times.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
I rented a vehicle from XXXX ( peer to peer car rental company ) around XX/XX/2022 for {$460.00}. I had a car accident and frustrated that XXXX provided absolutely no help in the whole process. I wrote to XXXX, and also to the XXXX XXXX XXXX XXXX XXXX XXXX  about XXXX 's bad service. I also filed a claim with XXXX on the towing expenses ( XXXX promised free towing on accident ). XXXX however did not reply back to me, did not response to XXXX did not pay my claim. I decided to dispute my payment of the {$460.00} through my credit card. Again, XXXX did not reply to credit card dispute. Overall, XXXX did not response to any of my complaint through proper channel. Instead, XXXX submitted the bill to collection agency and try to collect from me {$490.00} and try to impair my good credit score. 

I am asking your help to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: NY

Complaint narrative:
contacted the bureau directly to let them know this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I XXXX XXXX XXXX have a right to the fair and accurate reporting of my credit information. 

In accordance with the Fair Credit Reporting act XXXX  Account # 's XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, Account Info Reference Number 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 2022-04-21 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: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I XXXX XXXX XXXX have a right to the fair and accurate reporting of my credit information. 

In accordance with the Fair Credit Reporting act XXXX  Account # 's XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, Account Info Reference Number 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