vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 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: TX

Complaint narrative:
To to Whom it may concern, I had a capital one spark business account opened since XXXX. I have never been late or defaulted. After a recent payment of paying the balance in full I noticed this card was closed with no notification!! I went to make a purchase on my card and noticed it was a restriction on the card and that I could not use it. 
After I called capital one centers and was told by the representative/ manager ( XXXX ID # XXXX ) that the card was closed because capital one said that I fail to verify myself with my TDL and SSN. Customer service agent said a letter and email was sent to me in XXXX of XXXX that I never received! 
I did verify my email and mailing address that was on file and it was correct but I don't understand why I didn't receive email nor letter. I pride myself on this account never being late or bad pay history. I am very upset and this is very hurtful from a credit prescriptive because my score that I worked hard for fell more than 70 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: LA

Complaint narrative:
This company XXXX XXXX Acct # XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: LA

Complaint narrative:
This company XXXX XXXX Acct # XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my credit to see any an old account from XXXX XXXX that was paid off and should be deleted. I was told once full payment was made, the account would be deleted within 30 days. Its been a few months and its still not deleted.

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I checked my credit to see any an old account from XXXX XXXX that was paid off and should be deleted. I was told once full payment was made, the account would be deleted within 30 days. Its been a few months and its still not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Possible Financial Inc
State: CA

Complaint narrative:
Im getting reported late on a loan that I did not apply for the app automatically requested loan I did not sign up for taking out of my account without permission and marking me late for miss payments and charge off

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have asked the Credit Bureau to do a credit search and I did a complete search as well. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 602 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 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
So on top of the XXXX discrimination regarding the theft of funds from the bank account I previously held with this institution from the Bank of America to Bank of America transfer done by my friend and cousin to my account to pay back funds that were borrowed, the higher ups in the account closure team have consistently lied to me on three separate occasions about funds that was owed to me that they say was mailed out to me at my address was not actually mailed out to me at all. This bank keeps putting its own foot in its mouth regarding any of my stolen funds that was done on behalf of this institution. This is crazy to really have people waiting over a year and a half for an investigation and when they cant find any wrongdoing they still wan na hold and keep my money so they can use to invest in their own way to make more money? The bank keeps telling me about a hold harmless account which if my funds were harmless they wouldve been sent back instead of being frozen so that they could use it for the own gain. And than when I voice my opinion on the matter on XXXX they get my account blocked because people were agreeing with me. This is grand larceny at its finest being done by a big institution. I will definitely be screenshotting and recording everything from now on regarding this situation and the false information being provided towards the resolution.

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 2023-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
This account is located on my XXXX credit report This information should be removed. 

Account Name : ALLIED COLLECTION SERV Phone number : ( XXXX ) XXXX Account Number : 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 2023-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
someone opened an account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
there are inaccurate addresses on my consumer 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 2023-03-27 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:
This complaint is in regards to the late payments that are being furnished and reported by on my consumer report by Experian. I have the right to privacy. XXXX XXXX XXXX XXXX  never disclosed to me that I had the option to opt out of my non public personal information being disclosed to any non affiliated third party. Furthermore, transactions or experiences between consumer and the person making the report are to be excluded from consumer credit reports. My consumer rights are being violated. XXXX XXXX XXXX Bank did not receive any permission from me in writing, verbally or otherwise to disclose any of my non public personal information to any non affiliated third party and I was never given the opportunity to opt out of my non public personal information to be disclosed to any non affiliated third party. Your company have assumed a vital role in assembling and evaluating consumer credit and other information and are obligated by law to be fair, impartial and respect the consumers right to privacy. I am requesting that the following items be removed from my consumer file. XXXX. XXXX  days late XXXX. XXXX  days late XXXX. XXXX  days late Sincerely, 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 2023-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX  I was struggling to make my Wells Fargo Mortgage payments. I made extra payments each month to catch up. However, I didn't notice that Wells was putting the extra funds in my unapplied funds section. XXXX day I received a refund check for those funds, which was equivalent to XXXX mortgage payments. I went to my local branch the same day I receive the check to make the XXXX payments. The teller informed she could not accept the check because my home was in foreclosure. The only way she could accept the payment was if I could pay the full $ XXXX in foreclosure fees at that time. 

I had to file XXXX XXXX to stop the foreclosure, and payback the $ XXXX in foreclosure fees. At the time, I contacted a company that would help me pay my mortgage payments. I did not qualify for the program because I didn't meet their requirement, but I completed the interview process accordingly. The strangest thing is that company paid my mortgage for XXXX  months before they contacted me to sign a payment assistant agreement. Since I didn't meet the program qualification, I let it go and then filed XXXX XXXX. 

XXXX. Why didn't Wells Fargo notify me that I was going in foreclosure? I found out when I ran to the bank with my refund check. 
XXXX. Why did Wells accept mortgage payments from an outside party, but I could not make a payment without paying the $ XXXX first. 
XXXX. Why didn't Wells simply take the unapplied funds and apply the XXXX payment to my mortgage, instead of sending a refund check. 

No one ever contacted me from Wells Fargo to inform me that I was going into default! I learned when I went to the bank with the unapplied funds refund.

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 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/22 a purchase in the amount of {$780.00} was done online at XXXX. The charged posted to my account on XX/XX/22. I did not make this purchase. I contacted Bank of America more than XXXX times to resolve this issue with no satisfaction. They did not follow through on promised return calls, letters or investigations. They have an internal " research and resolution '' team that no outside person is allowed to speak with for status of a lodged claim. I have spoken to " supervisors '' within the organization who told me " mail fraud runs rampant in XXXX  '' and that was why I had not received communication from Bank of America regarding this claim. They have admittedly received XXXX documentation from XXXX regarding this {$780.00} charge and assumed because I have a purchase history with XXXX ( there are no receipts nor purchases on my XXXX account ) that I have made this purchase. I have lost hours of time on hold with this terrible financial institution over this issues.

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Transunion just closed their response to this complaint, but never resolved the issue. I just tried to get my credit report again, and I got the same response ( attached ). Their response says : We have reviewed your complaint along with the information you previously provided regarding this issue. Due to a system issue, your credit report was previously unavailable online ; however, the issue has been resolved. Consumers are entitled to one free annual credit report in a 12-month period. Reports are ordered online through www.annualcreditreport.com. Personal information is gathered and provided to the credit bureau. Once consumers are forwarded over to the TransUnion website, we do offer different credit monitoring products to consumers who would like to manage their credit report. The products are offers and are not intended to prevent consumers from obtaining their FACT Act Free Disclosure. There are certain conditions under which online credit file access may not be available for security purposes. Under these circumstances, however, you may typically obtain your credit report via telephone or mail. If you are having trouble ordering your credit report online through annualcreditreport.com, please contact them directly by mail at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  GA XXXX or by phone at XXXX. Please be advised, if you are still eligible for a FACT ACT consumer disclosure you may attempt another online request. In order to protect your privacy, we have mailed a copy of your TransUnion credit report to the current address we have on file for you. You can expect to receive it in approximately 7 business days. If you have any additional questions, please do not hesitate to call our Customer Service call center toll-free at XXXX XXXX XXXX XXXX Monday-Friday, XXXX XXXX XXXX XXXX XXXX ET or Saturday-Sunday, XXXX XXXX XXXX XXXX XXXX ET. For more information, please visit our Frequently Asked Questions page at www.transunion.com/consumerfaqs.

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 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was in the process of filing a small claims case against merchant. The FTC website explained a charge-back dispute option which opens an investigation of merchant resulting in obtaining a rebuttal of dispute. A temporary credit was posted on my account and I began using it to continue my project which merchant delayed when they breached our contract. I faxed all requested documentation and I was assured investigation was under way. 
Within days of credit being applied to my account, it disappeared off my account and was reposted as a purchase on account. My credit scored tanked, my minumium payment went from {$89.00} to {$600.00}. My credit limit is {$5500.00}, my current balance is over {$8000.00} and swelled to over {$12000.00}. How is this possible? My credit usage went from 52 % to now 191 %. And this is literally in one statement period. Its debt creation, illegal and I'm now in financial ruin. I'm unable topay my minumium payment, late fees are accumulating, interest and now, no investigation I was expecting a rebuttal from was conducted and the bank claim of contacting the merchant was false. The time limit to dispute this charge has past. Why was the dispute even filed then? I'm XXXX, on strict budget and need help! Please and thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses are XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX, MI XXXX. 

The correct address is XXXX XXXX XXXX XXXX XXXX, IL XXXX. The INCORRECT addresses should be deleted from my consumer report. 
I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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