vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-06 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:
The company closed the credit card and I reported I missed my wallet with the card, the card was used, and Capital one reported in my credit report the incorrect balance for somebody used my card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: NC

Complaint narrative:
I received a letter from the UNITED STATES BANKRUPTCY COURT XXXXOR THE EASTERN DISTRICT OF VIRGINIA OFFICE OF THE CLERK XXXX XXXX XXXX XXXX XXXX XXXX  VIRGINIA XXXX. THE BANKRUPTCY CLERK STATETED IN THE LETTER THEY DO NOT VERIFY INFORMATION WITH CREDIT REPORTING AGENCIES. ALSO, THEY DO NOT REPORT INFORMTION TO CREDIT REPORTING AGENCIES OR XXXX XXXX. SO HOW WAS THIS ACCOUNT VERIFIED???? 

NAME : XXXX XXXX XXXX : # XXXX ADRESS : XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX *DELETE THE XXXX XXXX BANKRUPTCY FROM THE XXXX XXXX XXXX XXXX  THATS BEING REPORTD ON MY CREDIT REPORT.

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 2022-08-06 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: LEXISNEXIS
State: NC

Complaint narrative:
I received a letter from the UNITED STATES BANKRUPTCY COURT FOR THE EASTERN DISTRICT OF VIRGINIA OFFICE OF THE CLERK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE BANKRUPTCY CLERK STATETED IN THE LETTER THEY DO NOT VERIFY INFORMATION WITH CREDIT REPORTING AGENCIES. ALSO, THEY DO NOT REPORT INFORMTION TO CREDIT REPORTING AGENCIES OR LEXIS NEXIS. SO HOW WAS THIS ACCOUNT VERIFIED???? 

NAME : XXXX XXXX XXXX : # XXXX ADRESS : XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX *DELETE THE XXXX  XXXX BANKRUPTCY FROM THE EASTERN DISTRICT OF VIRGINIA  THATS BEING REPORTD ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
NAVY FEDERAL CREDIT UNION CLOSED MY ACCOUNT WHICH IS UNLAWFUL PURSUANT TO 12 CFR 10002.7 SUBSECTION ( XXXX ) ( XXXX ) TERMINATE ACCOUNT AS WELL AS PRIVITY OF CONTRACTION - PRIVITY IS A DOCTRINE OF CONTRACT LAW SAYS CONTRACTS ARE ONLY BINDING ON THE PARTIES TO A CONTRACT AND THAT NO THIRD PARTY CAN ENFORCE THE CONTRACT OR BE SUED UNDER IT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX FINANCIAL XXXX negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1000.00} XXXX XXXX account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$200.00} Status Collection account. {$200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Collection account. {$170.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RXXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Single family XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX  Apartment complex XXXX XXXX XXXX  XXXX XXXX, FL XXXXXXXX XXXX XXXX  Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Single family XXXX XXXX ) XXXX Residential ( XXXX ) XXXX Residential ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, XXXXXXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX HOME XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/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 2022-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
Prosper Marketplace IncXXXX, on the first date of use ( XXXX ) was arbitrarily restricted without notice or communication. Customer Service advised via phone that card was restricted for suspected fraud but could not provide details on which specific transactions. The terms of my use can not be honored and I found the company 's business practices to be both unreliable and unethical. I made the decision on XXXX to transfer the balance and close the account. Once again I contacted customer service and was advised that the company would not support the balance transfer which I never heard and was never provided documentation for. I have never heard of a company that I could not transfer a balance from and wish to never conduct business with one of this caliber again. I was not allowed to speak with a supervisor and have yet to receive any communication regarding this card restriction.

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 2022-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Siggi LLC
State: GA

Complaint narrative:
This company required me to give my unit info, required me to make an allotment, and also my bank account info to withdraw funds if allotment failed

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
I have recently changed homeowners insurance policy in XXXX XXXX XXXX  for the first time since inception of mortgage ; the cost of premium decreased from around $ XXXX annually to around $ XXXX annually ; however the escrow amount increased by the amount of the savings. My payments were around $ XXXX before the change of insurance to know over $ XXXX, payment should be around $ XXXX after insurance change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022 a XXXX XXXX with XXXXXXXX XXXX and also XXXX, XXXX and XXXX XXXX XXXX obtained my banking information and charged an unauthorized transaction of {$340.00}. I do not know this person. The number XXXX is for an XXXX XXXX The numbers and chat service for company do not work. My bank institution Bank of America has not reported as Fraud when I have fraud protection. A customer service rep had me open another account and move my monies and get a new debt card. I went to Bank of America on XX/XX/2022. It was an 1 hour wait to see someone then a 30 min wait on the line. I was not assisted by a customer service rep. I was told to login to my phone select fraud and number was dialed. After waiting for 30 minutes the rep was customer service not fraud. No one available in the fraud department. The rep at the bank stated she would contact fraud with me but instead had me login to bank WiFi and click on fraud and put me in an office by myself to handle the issue. She never returned to help and I did not know I was speaking to customer service. She stopped helping me an XXXX XXXX of the XXXX community to help someone that did not speak XXXX XXXX. When I asked for her help I had to wait. The two calls made on XXXX the reps were not in the fraud department and did not open a claim from the fraudulent transaction. But sent the issue to check fraud when the transaction was not completed by check.

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 2022-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
On XX/XX/2022, I toured an Apartment Complex called XXXX XXXX at XXXX. It had only been under the management of a new management company called XXXX XXXX for a week. After the tour, I decided I would apply for an apartment # XXXX, which was currently vacant and available. I filled out an application and attached it as a PDF to my email on XX/XX/XXXX. The online application portal was not functioning yet and XXXX, my agent, told me they would find out if I should drop off a Cashier 's Check or pay online later, when they had their payment and application portal workig. 

I could not pay the {$75.00} Application fee with the fully refundable Amenity fee of {$400.00} because I was not there anymore, and I would have to get a Cashier 's Check and mail it to them. I had returned to Michigan by that time, and was communicating with them via phone. Finally I was able to get a hold of XXXX and she told me the company would send me an electronic link to apply and pay this fee online. 

So I paid this fee, later on XX/XX/2022. 

However, XXXX told me approximately 5 days later, my application was not accepted. They would refund my Amenity fee. When I had paid the amount on XX/XX/XXXX, there were added electronic processing fees added, so it was approximately {$500.00}. I kept following up with this company, and she said they would refund the fee by a paper check. A week later, I called and they had still not cut the check. Notably, this XXXX never would call me back or leave me a message, I always had to call her. 

They never did send me a paper check, so in early XXXX, I filed a claim with my bank in a Dispute with XXXX XXXX at XXXX. My full fee was refunded, although my claim was for the amount minus the application fee. 

Then on XX/XX/2022, after I had moved and gotten settled into a new apartment, I received a Debt Collection letter from XXXX XXXX at XXXX in the amount of {$520.00}. 

The XXXX collection letter said it was for a XXXX. I never signed a lease with this company, and this management company is trying to ruin my credit.

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 2022-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
I have a disoute with a company for {$300.00}, I disputed this because i did not receive the services. Not only did the bank deny my dispute and take out {$300.00} from my account causing it to overdraft, it also took an additional {$300.00} out that was not even part of the dispute. I am not out over {$600.00} becuase i was stolen from and the bank allowed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I was charged 5 overdraft fees of {$35.00} on XXXX and XXXX. I was told we where going to be given 48 hours to correct any negative balance which I did. These transactions were accidental ach payments for less than XXXX  each

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06 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:
I have been the victim of identity theft since XXXX and I have contacted TRANSUNION several times in order to remove fraudulent inquiries I have in my credit report and they had not removed them. I have the followings inquiries in Transunion unauthorize : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXXXXX I request this inquiry to be removed immediately.

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 2022-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

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 2022-08-06 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I noticed my XXXX XXXX, XXXX WAS REMOVED FROM MY CREDIT REPORT AND HAS DROPED MY UTLIZATION SEEMS TO BE ON PUERPOSE BECUSES I NEVER CLOSED THIS ACCOUNT AND ITS IN GOOD STATDNING. 

MY XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX LAST 4 XXXX ADRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC 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 2022-08-06 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:
CFPB Write up in accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB Write up in accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I paid off a number of credit cards as a result of selling my home and buying a new one. My XXXX store card had a balance of {$610.00} and a payment of XXXX was received by the credit card company before the due date of XX/XX/27. I then had to pay an additional {$2.00} to close the account. The XXXX card is issued by Comenity Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account : 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 non-monetary relief
Consumer complaint received 2022-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo authentication is terrible. 

Their " 2-step verification '' has three settings : " On '', " On except if I'm using the app '', and " Off ''. If it's " On '' or " On except if I'm using the app '', there's no way to prevent an attacker with your password from using the SMS option and reading your text messages to break into your account ( since text messages are relatively easy to crack ). 

Not only that, but there are lots of stories on the internet about people getting their accounts stolen by people social engineering Wells Fargo support staff, which is an even easier way for someone to get your money. 

This makes Wells Fargo my least secure important online 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 2022-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

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 2022-08-06 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I XXXX XXXX entered a consumer transaction with PENFED CREDIT UNION in XXXX of XXXX. I never asked them to send me a bill. In XXXX of XXXX they sent me a bill, in this bill were FDCPA violations 15 USC 1692b ( 2 ) using symbols and profane language, 15 USC 1692j ( a ) using deceptive forms to make me believe I owe a debt. and violations in TILA 15 USC 1602 ( p ) unauthorized use, paying monthly on a credit 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 2022-08-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

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