vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received my Capital one card around XX/XX/XXXX and activated it but was restricted. I have emails that can verify this. The company asked me to send documents XX/XX/XXXX, they did not specify that I should send the backpart of the document so I needed to send it after calling last XX/XX/XXXX. Then the wait time which was 10-15 days. I call them again saying that they needed to verify new documents which they did not specify the first time so I sent these again. I called again after 12 days then asked me to send new documents for my husband which they did not specify the last time, this was sent XX/XX/XXXX. They said that an agent called but I did not pick up so they said they informed me about it. I told them what do I have to do again. So I need to send new copies of my husbands documents which was the same documents I sent the first time this was XX/XX/XXXX. I got a mail that if I did not send the documents then my application will be cancelled. At this point I want it to be cancelled already but my credit score already reflected that I opened an account in Capitalone. I called After 10 days asking if they received the documents last XX/XX/XXXX. They said they did but that they will be calling me and not to call them anymore. I called them again XX/XX/XXXX and they told me that there is nothing to be done to the account and that it is what it is. I can not talk to a supervisor because they can not have me talk to one. If I call back they will just give me the same information. I tried XXXX. The same script was given. This is so frustrating, not only is this wasting my time but it also has taken toll in my mental health. It is so stressful. This is not my only credit card. I really dont mind cancelling, this but 3-months of stress is not worth it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, Fulton Bank automatically deducted a payment of {$360.00} from my checking account only for the interest due on my new credit line with them. The details shown on the monthly statement I received shows that they charged interest at a rate of 100 % for three days beginning XX/XX/XXXX. This error doubled the amount due on my loan from what shouldve been approximately {$130.00} based on the original 6.5 % interest rate. 

Their system has continued with this error because the information for my loan shown online still maintains an amount due of {$360.00} for XXXX - payment due on XX/XX/XXXX. 

I called and reported this error on XX/XX/XXXX and was told that a certain department at Fulton Bank would research the error and that the representative I was speaking with would contact me. It is now XXXX and I still have not heard back from Fulton Bank and their deduction of the erroneous amount of {$360.00} was indeed posted to my account on XX/XX/XXXX. 

I called their support line today and spoke with a different representative. He confirmed that this was a major problem that had affected so many of their customers that they hadnt been able to get to my complaint ticket yet. 

I wish to report this to your agency because something as major as this shouldve been fixed by now. At the very least, Fulton Bank shouldve stopped all loan auto-deductions for any loans that this affected. The executives at Fulton Bank must be held accountable for this major mistake, especially when it costs their customers so much money and hasnt had a negative effect on Fultons financials at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ok so I look in my account and I notice that there is about a XXXX difference in what should be there. So I look through the transactions and there is one for XXXX. A withdral slip like I walked into the bank and took funds out of my account. I had already received several letters from the bank advising that my ID and address were updated. I have had the same ID number since I been driving and the same address for 30 years. I call the call center and get the run around, finally someone told me what branch it was done aat and i call the bank mgr. I speak with them and they " oh its a banking error '' and put it back. My daughter tells me, that's a teller or someone who works there because who else can change your address and ID number, you cant even do it. I said all is well and left it at that corrected it. 

Another month goes by and this time its XXXX and i go to the bank, when I do I can see the screen and the person comparing the last time and this current time, as well as they got my signature. They saw that it was not me, I asked for the tape as well, never got it. I am seeing at this point what legal actions I can take. They assured me I would get my money back and the account would be closed I then get a deposit into that account that SSA gave me for XXXX. I call them cause I notice my account info has not been corrected and was told that they can move my money to my new account as a courtesy. Then I was told all of these fees Im going to be charged. I have banked with this bank for yearsssss. Once this is all said and done I will be closing out any and all accounts that I have with them I want my XXXX as well as my XXXX from SSA. I also want an apology and I want the tape that shows me or whomever going in the bank because I want them prosecuted to the fullest extent of the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-02 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX  account XXXX XXXX has violated my rights.

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

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/22, I identified items on my report as fraud and requested the items to be blocked and deleted from my report ( see attached ). 1st FTC report was filed on XX/XX/22 and TransUnion initial CFPB complaint was submitted. On XX/XX/22, I followed up on my request and was informed that my request to block was denied because my address was missing on the FTC report. The attached updated FTC report with my address added to expedite the deletion of these reported items. The continued reporting is of improper utilization of my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Unbeknownst to me my mortgage was transferred to another company. It is called Select Portfolio Servicing Inc . I was on auto pay with the prior mortgage company so I never opened the statement envelopes. I had always paid ahead and on time. I realized when my XXXX payment did not clear and I called that I had been transferred. 
I tried to go in to call SPS for an account number to get set up online. The 3rd party letter did not transfer from the prior mortgage company to the new. XXXX did that online. When I tried to make a payment it would not accept my bank. I have many autos coming out of this bank but this company would not accept it. I called and was told to make a payment over the phone they charge {$15.00}. That is rediculous. I am a first time customer. They wanted me to go through the bank and wire it. This cost {$35.00} and I feel a ridiculous response. So I contacted the XXXX  and SPS responded with some off the wall none relevant response. 
Because I am behind now and afraid they will take my house away, I opened an account with a new bank and attempted to go in today to make a payment. Even with this new bank I will be charged {$15.00}. 
Everything in the world is online now. I refuse to pay {$15.00} dollars a month to make a payment online. I refuse to set up auto pay until I have a better understanding of this company and feel confident enough in it. I unfortuantely had been through a horrible experience with XXXX XXXX  XXXX  so my confidence in them is very low. 
I call to try to pay over the phone and was told they would wave only this month but from now on it will be charged {$15.00} amonth. I NEVER agreed to this in any prior mortgage and they should not be allowed to add this fee without my consent. And now after this last phone call, being told I am delinquent with a terrible tone, and she hung up on me I feel this company is taking advantage of costumers. They should not be charging {$15.00} a month just because I want to press the button to send payment. I understand {$15.00} does not seem like a lot but right now I am sure you, as well as the entire world knows {$15.00} is A LOT right now. That is a gallon of milk and bread for my kids.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: IN

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans

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 2022-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
For the past few months, I've been harassed this company Midland Credit say that I owe money which I don't. They call and send letters in the mail which is very stressful. They have violated several laws of the FDCPA 15 us 1692 ( a ) ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax/XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from EquifaxXXXX lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX  XXXX BANKRUPTCY, Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX/Experian/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from XXXX/Experian/XXXX  lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX  XXXX BANKRUPTCY, Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, 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 explanation
Consumer complaint received 2022-08-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I have since XXXX attempted to File a Dispute on my Credit Report concerning an Account that is violating my rights under the FCRA. They claim to verify the information, but provide nothing in the findings that shows where my XXXX XXXX Account is actually in collections. 

I've opened these disputes ( Just two examples ) .... 

- XXXX - XXXX However, I have been unsuccessful due to errors/issues with Experian 's Document upload site https : //Experian.com/Upload. I am unable to upload documents which support my case and am directed to MAIL my documents containing sensitive information to a XXXX XXXX XXXX I object and say I need to do this online and it's like Experian Could care less.. 

The Staff/Call Centers agents are unhelpful if not outright rude when I call in to report this issue ( See attached images ) and give out incorrect or erroneous information altogether such as a Fax # XXXX which does not belong to the dispute team. 

You can call in x3 times and get three different answers from various people who are extremely quick to throw their hands up and say there's nothing they can do, there's no IT department they can put me in touch with, there's no support # to call to potentially get help... nothing. 

Today I spoke with XXXX out of XXXX XXXX, who couldn't care less and told me in less than 5 minutes that there's nothing wrong with their Website. No sooner did I get off the phone with her after she created a new dispute # that the Site went down completely! 

This is ridiculous to be told to Fax Personal information to XXXX only to have it go nowhere, or are unable to confirm if anyone at Experian received it, or at the very least if it's the actual number Experian uses as a backup for dispute submission/documentation! This is a XXXX XXXX if I've ever seen one and it needs to be investigated.

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 2022-08-02 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: IN

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans

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 2022-08-02 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: IN

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief