vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I went to Jc penney to buy my children clothes since they had not have new clothes in a while and they really need it it. The register lady asked if i wanted apply for a credit car and my response was no she asked why and I told her I never get approved and also did not want anything to do with a credit car store anyway aince I had a problem with one recently.she told me I could apply just to get a discount from my purchase just to save me money so Ofcoarse I accepted to apply for the discount as I knew I was going to be denied anyways .so She said I was appoved I worried and told her ok but I do not want a credit card so I dont approve of opening it she said no problem that I would still get the discount for chekimg if I could be approved for one so Before paying ahe asked me if To get 10 % of that she wanted to save me more money that I could not pay the full balance of my pirchase and then just pay when I needed to pay on the credit card and then cancel the credit card after making my full purchase I again told her no I do not want a credit car at all Ill skip the 10 % which made more sense as of I do not want a store credit card she said ok its fine so I asked I wont be getting a credit card right she then answered no she said that I will still get the discount just not the 10 % more so I was relieved but here I am with a jcpenney credit card which I repeatedly told ger I did not want the Jcpenney credit card that all I wanted was the savings she mentioned that I would get just for chekimg if I would get approved so this person opened this credit card by with all this lies and acting like a good person just trying to save me money .I trusted I wouldnt get a credit card since I told her several times I dint want it please help I will not be applying anymore even if they tell me just to save me 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 explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover bank online - their online bank transfers and wire transfer has been offline since yesterday XX/XX/2023. I have been trying to close a large account balance. Spoke with XXXX at the XXXX  XXXX. She said the systems were down and they could not transfer money over the phone. I attempted to sign on to their web portal without success. Same message. I was transferred to XXXX XXXX at the XXXX XXXX. She said they could not help close my account and transfer my funds to linked checking account. She stated they had an unknown systems issue and could not determine how long it would take to resolve. I own this account and I should have access to my funds. This is unacceptable. I have tried multiple other times to transfer the money using their app but it stops me at verifying checking account. Same results on their website. XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'm furious with this company Capital One. I have been with Capital One for over XXXX XXXX. The way I was treated unethical and considered XXXX. I demand a resolution after XXXX XXXX  with this company. I have never been delinquent on my accounts and to be treated this unfairly as a customer, is very unethical on their part. 

I was traveling from the XXXX of XXXX to XX/XX/XXXX of XXXX. I have business accounts and personal accounts with Capital One. Today I checked my accounts and I noticed all XXXX of my accounts are closed! I called Customer Service to see what has happened and they stated fraud. They transferred me to fraud department and they stated it was because of a return payment of {$400.00} for my personal credit card. This personal credit card I was using while I was traveling as I depend on this XXXX card for my travel needs. Yes a returned payment occured I was traveling and my accounts were in process of transferring money, but to close all of my accounts even my business accounts for this returned payment is XXXX! I just arrived back and I can pay a measly {$400.00}. I did not even pay late I added funds to my credit card to use it. Why would they close my account over a returned payment. Or all my other accounts that have nothing to do with this?! I found this as an unethical excuse to close my accounts due to discrimination and credit being used. I am seeking resolution through CFPB before resulting in further action. The closing of my accounts all 4 also affects my credit as I had high credit balances and now thus this company decides to wipe it for no apparent reason without communicating with their client especially when one is traveling. Very unethical!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I received payments to my account from my insurance company, I spread my money into my different accounts, someone stole my debit card, I disputed the chargers and they were in my favor from the letter I received but the bank closed my account anyway and refused to return the rest of the money that was in my accounts even after I informed them where the money came from and stepped in to many branches and sent in lots of information still havent received my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I receive daily text message from this phone number. They are sending me texts without my consent. I keep blocking the number but I still receive them. The text messages say : Please contact Radius Global Solutions LLC at XXXX Regarding Reference # XXXX Important Rights : rad-gs.info Txt STOP to End texts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit management XX/XX/23 threatened me. To take legal actions against me. They call multiple times in a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: UT

Complaint narrative:
My car was impounded when my brother was leaving for work. Santander confirmed on XXXX that they had repossessed the vehicle. They confirmed that they had not tried to call or notify me since XXXX. They spoke with my mother, not me. A letter was received on XX/XX/13. It was taped on my door from another resident. The letter stated we could call and ask in writing for a statement including fees. Several different reps said thats not how it works. I was told XXXX amount on XXXX day, then a different amount the next. It is all written down. I was also given XXXX different account numbers. We had secured financing from another bank to reclaim the vehicle. When XXXX contacted Santander about paying off the loan, Santander said they would not take the check. Nowhere on my document or in writing did we get verification of how funds needed to be sent. Santander would not provide in writing the amount owed or how it was to be paid. They changed the password on my account with someone other than me. Also sent a copy of the title to someone other than me. I asked for an extension, XXXX rep told me that its too late. Accused me of just getting started with the process.Told me I should have started a long time ago. She refused to help in any way. 
I did finally get an extension, but Santander would still not provide me documents detailing the exact amount owed. They stated thats not how it works. 
They talked to another unauthorized party on XXXX in the morning. They then talked to XXXX XXXX without my authorization on day XXXX, which was the last day we could secure the loan. They told XXXX that they would not accept the check. I no longer have access to my account online. The recording tells me {$800.00} is due. 
The company to retrieve my items goes to voicemail. I explained that to the rep, she denied that. On XXXX collected {$410.00} from me plus XXXX for a random fee that was never mentioned before. This was after they had already talked to XXXX. I authorized XXXX to speak about my account later that afternoon. 
We went into XXXX on XXXX and that is when I was told Santander wouldnt accept the check. They would only give us a 15 day payoff in writing. 
My mom used this vehicle for work. Due to Santanders lack of cooperation, she was let go.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. 

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 2023-02-06 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: TX

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear XXXX XXXX XXXX ; Still multiple inaccuracies ..... Impossible that this can be verified as accurate? How? it's reporting incomplete, inaccurate, misleading, and multiple inaccuracies. therefore it's in violation of sections 609 & 611 of FCRA. It's unverifiable. Delete now!!!. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED : XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED : XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED : XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FILED : XX/XX/XXXX XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
PHH mortgage is not paying my property taxes from my escrow account. 
In XXXX of XXXX I contacted PHH about my tax bill. I worked with their esclation department ( XXXX ) agents name told me they got paid. Then XX/XX/XXXX I received and other tax bill for this half of and a past due tax amount for that last year.i emailed a copy of the tax bill to Phh as directed by customer service. I have call PHh mortgage multiple times and can never get an answer or a call back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
This is illegal and should not be reporting on my credit XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Recently I was scammed by a job opportunity and I was sent to checks one of them was returned for the amount of {$2000.00} the 2nd was for {$4000.00} which both checks I had deposited.The 2nd check was initially on hold when I spoke to someone named XXXX, she told me that by a certain date of it didn't come back that it would have went through. Then later I called the bank to see the status of the check. I spoke to XXXX from risk management and she explained to me that eventually it would get flagged and that she was holding it indefinitely for that reason. I had asked previously if I should contact the bank and I was told not to so I didn't. They did not clearly convey their responsibilities in regard to my account but rather to a third -party non-affiliate.The check went through initially, she placed it on hold for a 3 more weeks. I checked my account again and the check had went through and was in my account. I attempted to transfer money from checking to savings to clear my account balance when I was stopped and prevented from doing so. Security Service XXXX has done little to nothing in helping find a solution to my account. After the check has already been held for a prolonged amount of time. XXXX deliberately contacted the bank on the check and disclosed my personal account information in order to prevent the funds that were already in my account 2  times from being accessed with the sole purpose of denying access to funds in my account. The other bank was responsible for their accounts, XXXX disregarded my situation and my privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX  % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Capital One decided to close my checking account in XXXX, but I still have not received the funds in the account, nor any updates, and they have locked my phone number from using XXXX on another bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted them via telephone and in writing. They are reporting that I filed a recent bankruptcy in XXXX  causing me to be declined and or pay higher interest rates. I did not file bankruptcy in XXXX. My ex husband filed in XXXX and I was by accident added by mistake. They quickly corrected the issue and closed the bankruptcy with me. My ex husband currently filed the bankruptcy and not me. The credit company has failed to correct this issue by removing the bankruptcy filed in XXXX by my ex husband. They fail to do anything with removing and its causing me to be declined bc of this error. Banks are looking that I filed bankruptcy in XXXX  counting it has a recent bankruptcy. However, there is no court order showing a discharge of this XXXX bankruptcy but I did not file one. They also fail to remove inquiries that I have in writing disputed. I have a fraud alert on my credit which makes a company have to go through steps to extend credit. The companies have never called me and I have never done business with them. The alert was placed due to my ex husband using my social security number. The same companies are running my credit every month without getting authorization from myself. The credit agencies as well failed to protect my credit account even with several telephone complaints and filing concerns and disputes in writing. This is an issue with all 3 credit agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted them via telephone and in writing. They are reporting that I filed a recent bankruptcy in XXXX causing me to be declined and or pay higher interest rates. I did not file bankruptcy in XXXX. My ex husband filed in XXXX and I was by accident added by mistake. They quickly corrected the issue and closed the bankruptcy with me. My ex husband currently filed the bankruptcy and not me. The credit company has failed to correct this issue by removing the bankruptcy filed in XXXX by my ex husband. They fail to do anything with removing and its causing me to be declined bc of this error. Banks are looking that I filed bankruptcy in XXXX  counting it has a recent bankruptcy. However, there is no court order showing a discharge of this XXXX bankruptcy but I did not file one. They also fail to remove inquiries that I have in writing disputed. I have a fraud alert on my credit which makes a company have to go through steps to extend credit. The companies have never called me and I have never done business with them. The alert was placed due to my ex husband using my social security number. The same companies are running my credit every month without getting authorization from myself. The credit agencies as well failed to protect my credit account even with several telephone complaints and filing concerns and disputes in writing. This is an issue with all 3 credit agencies.

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