vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased a cashiers check at a capital one branch in XXXX XXXX and mailed it using XXXX  overnight and XXXX lost the check. I contacted capital one on XX/XX/XXXX to see what could be done to recover my money since the check was lost and had not been cashed and I was told that before a stop payment could be issued I had a waiting period of 91 days. After the 91 days had passed I called capital one to have the stop payment issued on the check since it was verified as being outstanding ( not cashed ) and It has been nearly two weeks of trying to get them to follow their process to get my money back but it seems that nothing is being done. I have called in 5 times in the last two weeks since no stop payment has been placed, the affadavit I was asked to fill out was never sent to me and I still dont have my money back in my account. I just want my money back. I didn't lose the check and i already had to replace the money that was lost. I feel like this is being done purposefully so they don't have to give me my money back. Maybe they think I will just forget but I need my money and this is ridiculous. I have called in on XX/XX/XXXX, XXXX XXXX and XXXX only to be given the runaround. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have asked since last year for Chase to close all my accounts because I moved and don't have a chase bank in my County. they messaged me several times the last being I had to say a specific statement and I did. but excuse how long they took an auto debit hit. then they said they can't close my accoumt I have asked several times they close my account as I have no bank in the county I live and don't use them. WHY WONT THEY CLOSE IT LIKE I HAVE ASKED FOR MONTHS. I AM NOT SENDING THEM ANY MORE MONEY BECAUSE AUTO STUFF HIT AND THEN THEY ASSESSED FEES BECAUSE THEY REFUSED TO CLOSE MY ACCOUNTS

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX I noticed an alert from my Experian app stating that someone applied for a XXXX XXXX XXXX of some sorts under my current profile. I have no knowledge of this application, nor have I applied myself. Please have this removed at once for I am attempting to purchase a home in the next few months, and I need to make sure my credit is at the most upstanding condition. Please let me know in the near future if there is anything I can do to assist in making sure this doesn't occur in the future. Under 15 U.S.C. 1666 a 2 I am informing you of a billing error and would like this to be removed as soon as possible so that i can avoid further damage to my reputation and credit history. Thank you.

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 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I submitted my loan application to Wells Fargo back in XXXX or XXXX. I was told to sell my existing primary residential home in order to qualify for mortgage from wells Fargo. I listed my house for sale trusting what I was told and sold it on XX/XX/XXXX. Finally I found a house in late XXXX and went in to contract with seller on XX/XX/XXXX. I submitted my loan application the following day and provided all requested documents and signed disclosures. Inspection and appraisal were done and waiting for a loan approval. I was notified by the loan XXXX that Wells Fargo is declining my application. Wells Fargo had my files for over 6 months and told me to sell my house and later declined my loan application. Luckily I had a very resourceful realtor who took me to a private mortgage company and got a loan and closed. The issue here is Wells Fargo made me sell my house in order to get a loan from them that did was denied later. I have a wife and XXXX kids. Wells Fargo almost made my family a XXXX. This is unacceptable and should nt happen to any borrower out there.

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 2022-04-07 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: Central Portfolio Control Inc.
State: GA

Complaint narrative:
On XX/XX/2022. I noticed an unusual report on my credit report. And because of that, I lost almost 31 points on my credit score. A company called XXXX XXXX XXXX XXXX, also going by the name Central Portfolio Control showed up on my report for collections with a balance of {$2300.00}. Not only I have never heard of that company before, but I also never contracted that balance with any company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
Bank of Texas put my account under review client protection and blocked me from using XXXX and I had used my account regularly and normally, I don't know what will be the reason that cause my account got blocked and can not used zelle too. ( XXXX got blocked )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
Refinanced my home, and told loan depot prior to closing that the escrow was not correct, and they had assured me it was, and they even double checked so they claim, and after not even a year later, I receive a letter to pay $ XXXX  for a huge oversight on their end, or to double my monthly payments for a year. 

I understand taxes go up, but this is absolutely absurd. Anyone with any understanding should have been able to see that this was going to be a huge issue. I have an email chain and everything for documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX 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.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
On XX/XX/2022. I noticed an unusual report on my credit report. And because of that, I lost almost XXXX points on my credit score. A company called XXXX XXXX XXXX XXXX, also going by the name XXXX XXXX XXXX showed up on my report for collections with a balance of {$2300.00}. Not only I have never heard of that company before, but I also never contracted that balance with any company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Capital One for committing tax fraud. In XXXX of XXXX capital one reported to XXXX, XXXX and XXXX that my account with them was sent into a charged off status. Not only did they send the sheriff to my residence to coerce me into making a payment which I am sure is a violation of 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud, they never sent the 1099-C form which is required by the IRS on charged off debts. I am requesting a copy of the XXXX that should have been sent by XX/XX/XXXX and if no such 1099-C exist, this company is either committing tax fraud or furnishing false and deceptive information to the credit bureaus. The 1099-C should also contain the account number. According to 7 CFR 1956.54, a chargeoff is the writing off of a debt and termination of collection activity without release of personal liability. Capital one still pursued collection activity by sending the sheriff to my door to threaten me and coerce me into making the payment and continued to report the inaccurate information to the credit bureaus without providing me with a 1099-C. If they claim to have sent it, I will need proof meaning a certified mail return receipt with my wet ink signature and tracking number to validate that claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
All 3 credit Bureaus took it upon themselves to report inaccurate information on my credit report. Most of the accounts that they have listed as derogatory, never was derogatory so how can they have 34 accounts listed on my credit report as delinquent when in fact they never was. This is causing me high interest rates when I apply for loans and they need to fix it the exact way that it was meaning verify the missed payments and if they cant verify missed payments, remove derogatory off each and everyone of my accounts and stop this XXXX XXXX none-sense because I am no fool when it comes to XXXX in America.actually these companies are paid to report false information and not correct information and when I had good credit they never reported correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
All 3 credit Bureaus took it upon themselves to report inaccurate information on my credit report. Most of the accounts that they have listed as derogatory, never was derogatory so how can they have 34 accounts listed on my credit report as delinquent when in fact they never was. This is causing me high interest rates when I apply for loans and they need to fix it the exact way that it was meaning verify the missed payments and if they cant verify missed payments, remove derogatory off each and everyone of my accounts and stop this racial discrimination none-sense because I am no fool when it comes to blacks in America.actually these companies are paid to report false information and not correct information and when I had good credit they never reported correct 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 explanation
Consumer complaint received 2022-04-07 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: R & B Corporation of Virginia
State: CA

Complaint narrative:
XXXX XXXX ; 1. I moved from XXXXXXXX XXXX to XXXX XXXX  I had two accounts and one had a credit balance. XXXX would not locate the Credit Balance ; after numerous complaints and service issues. I refused to pay until they located my credit account, which I had given to them. They turned the account over for COLLECTION. 

2. After more than 20 times over a XXXX year period attempting to resolve the issue with the collection agency and XXXX I was finally able to speak with the XXXX XXXX XXXX in their business division after I moved again. They ( XXXX ) finally found the OUTSTANDING CREDIT BALANCE. The matter was immediately credited and paid off. 
and I paid off. XXXX did not apply credits due for non service and lost business from XXXX XXXX. They told me the would clear the matter with the Collection company. This has never happened. I spoke with the collection company and they said I should take it up with XXXX. 

3. I filed a DISPUTE with the Credit Reporting companies. Nothing has been done. It remains on my Credit Report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, it was reported that my address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

I came to the XXXX in XXXX ( see attached my XXXX ). From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX 

From XX/XX/XXXX to XX/XX/XXXX, I lived in XXXX, XXXX. 

I moved to XXXX in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, I lived at XXXX XXXX XXXX, XXXX, XXXX  XXXX ( See attached receipt of purchase with my delivery address at that time ). 

Starting XX/XX/XXXX I was living at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX until XX/XX/XXXX. 

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: DE

Complaint narrative:
I payed the collection on my credit report from Caine and wiener, my confirmation number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo XXXX Executive Complaints Management Office ) has continued to conduct a proper Investigation into the incorrect credit reporting on the part of Wells Fargo. 
-- -- -- -- - For the months of XX/XX/XXXX, XX/XX/XXXX, there was NO payment 30 days late. While the payment was late ( and Wells Fargo charged a Late Fee ) it was NOT 30 days late.

-- -- -- -- -- What both ( 2 ) Executive Office Case Specialists have done in reviewing my last TWO complaints is utilize the payment DUE date. This DUE date is NOT what determines the credit reporting. The BILLING cycle does this. I have spoken to Customer service and they confirmed this. I do not understand why I have to submit 3 complaints to have this corrected.

-- -- -- -- -- - Therefore, whichever specialist receives this THIRD complaint, please do any one of the following : 1 ) Feel Free to call me direct and I will be happy to explain and count the billing days with you -- -- -- -- -- -- -- -- -- 2 ) Confirm the BILLING Dates are used to determine the credit reporting late notices ( and please ask an experienced specialist or your direct supervisor first so we can get it correct this time ) -- -- -- -- -- -- -- -- -- -- -- 3 ) Cease sending in the mail a large envelope with statements from 1 year ago to present showing the days my payments were late. I am not disputing a LATE payment. I am disputing the XXXX XXXX 30 day late credit mark Wells Fargo posted to my credit report. Everything else is irrelevant and a waste of everyone 's time. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Payment received on XX/XX/XXXX : Which according to the billing cycle of XX/XX/XXXX - XX/XX/XXXX would make the payment : 28 Days late. NOT 30 Days. Here is the confirmation which can be confirmed with my statement : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX XX/XX/XXXX XXXX ONLINE ACH PAYMENT XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Again, as with most Credit Card companies, BILLING CYCLES... ..BILLING CYCLES dates are reported to the Credit reporting agencies. Not the Payment Due Date. Also, I have asked Customer Service to Note my account and confirm the BILLING CYCLES determine credit reporting dates so whomever is reviewing this can go into my account and see that the customer service dept. has CONFIRMED this is how it works.

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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX  was included in a XXXX XXXX  XXXX XX/XX/2020 they refuse to report my my Experian credit report correctly.

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 2022-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ally repossessed my car XX/XX/XXXX. In order to retrieve my vehicle, I was told to pay {$11000.00}, to an account at XXXX. XXXX which I did on XX/XX/XXXX. I was given incorrect account information by XXXX, the representative. So basically my money is missing, Ally nor XXXX. XXXX will help resolve the issue and every one points the finger at one another. My bank XXXX has reacted out to both Ally and XXXX XXXX several times, sent the forms needed to place the funds in the correct account but they both are unresponsive. I sent several emails to corporate and finally XXXX called from Ally Financial. She assured me she would investigate, and keep in touch but I havent heard from her in over a week with at least an update. Ive left give messages this week for her. At this point, I feel like they stole the money.

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