vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
We are having an ongoing problem with my Capital One XXXX  credit card. When I went to use the card on XX/XX/XXXX, my charge was declined. When we contacted Capital One on XX/XX/XXXX, they informed us that there was a restriction placed on our card. We have been customers of Capital One for several years and have NEVER not paid our bill in full on a timely basis. We have never incurred a finance charge. When we called Capital One consumer service and asked why there was a restriction on our account, they would not tell us why. They said that someone would reach out to us within XXXX hours. We also asked to speak with a supervisor ( XXXX XXXX ) who told me the same thing. They would release no information on why our card was restricted. On XX/XX/XXXX when no one reached out to me within XXXX hours, I also sent a detailed email to the President of Capital One ( XXXX XXXX ). Again - no response. I contacted Capital One again yesterday - XX/XX/XXXX - and requested a supervisor. I spoke with XXXX ( XXXX ) and he told me that someone will contact me within 5-7 business days of the inception of the restriction and also would not tell me why the card was restricted. It has been 8 business days and no one has contacted me. Therefore, I was NEVER contacted by anyone at Capital One either to originally inform me of this restriction - and thus spare me the embarrassment of having my card declined in a public space - or to follow through as promised within 72 hours or 5-7 business days. To date, not one call or email or text has been sent to me by Capital One nor has anyone been willing to tell me why a restriction was placed on my account. I believe that 15 US Code 1681g is applicable here and that the consumer reporting agency, i.e. Capital One, is required by law to clearly and accurately disclose to me all information in my file when requested. I do not know how to resolve this issue as Capital One will not cooperate with me in any way. All I want to do is sever my relationship with this awful company. My last bill was paid in full ( as always ) and I have outstanding charges of just over {$1500.00} made after payment of the last bill but before the restrictions were placed on my card. We have cash back of {$540.00} due us and want to deduct this amount from our remaining balance, pay our last adjusted bill and close our account. Both supervisors and each person I spoke to at Capital One told me we could not get our cash back until the restrictions were lifted and yet they won't lift them or give us any reason for said restrictions. Both myself and the primary card holder - my husband XXXX XXXX- have been involved in these communications with Capital One. We need help in resolving this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Cell : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Signed as a co-signer for a student loan in 2002 with XXXX XXXX. And according to terms was supposed to be released after on time payments being made after 24 months. Been 20 years and still not released. Which is creating numerous issues with my credit report. And I am retired and on a fixed income. Currently this loan is now with Navient. And I contacted Navient numerous times to have myself removed and have not had a reply back. No help with customer service. I do not have any access or knowledge of these loans. I would like this resolved and removed as being a co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: TX

Complaint narrative:
Why was my credit report accessed without my permission and based upon the attached, undated, and incomplete application when it clearly states incomplete applications will not be processed? Why doesn't Experian regulate their clients to ensure lawful access to a person 's private information? Why doesn't XXXX XXXX XXXX XXXX ( XXXX ) regulate their employees to lawfully have permissible permission before accessing a person 's private information? Why does Experian and XXXX continue to ignore their liability by ignoring my complaints and request? The forged and incomplete application was the first step to a fraudulent loan and both have failed their responsibility as a professional company. The companies lack proper management.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I was current with the previous mortgage servicer XXXX Home Loans until the COVID 19 pandemic hit and was placed on a COVID forbearance starting XX/XX/XXXX and as a United States XXXX XXXX XXXX I was suffering due to the restrictions placed by COVID as I was doing work for a church but it closed because of social distancing guidelines The forbearance continued until XX/XX/XXXX and I was approved for a deferment of 10 months of payments I starting paying Calibur in XX/XX/XXXX and continued to as they were updating my loan to reflect current My loan never updated before the service transfer to Fay servicing on XX/XX/XXXX but XXXX continued to have me pay because they knew it was a matter of time and my loan would reflect current When my loan transferred to Fay servicing it was a completely different mortgage servicing experience and Fay would not accept my payments I mailed one in for the month of XX/XX/XXXX but Fay sent a Returned Funds notice dated XX/XX/XXXX saying I was in active foreclosure in spite of the face Calibur approved me for a deferment I sent a copy of the agreement to Fay several times and it took Fay servicing until about XX/XX/XXXX to apply the deferment but for the 6 months they refused to accept payment Fay servicing refused to assist me and forced me to apply for a loan modification even though I was already approved and was paying my monthly payment before the service transfer my loan became delinquent due to the error in servicing by Fay in not updating my loan and not accepting payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 2022

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 2022-03-16 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 2022

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 2022-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I pay a " realtor '' in desperation for an apartment and it was a scam and their business wasn't registered. They have a XXXX page called XXXX XXXX XXXX XXXX utm medium=copy link And I noticed they have a lot of fake followers. Also I made two payments of {$200.00} for an aplication fee and {$1600.00} for security deposit under the term of Refundable. Neither transaction has more than 12 hours ( application fee ) and the {$1900.00} which I reported like 4 hours later. The bank its telling that there is a more higher porcentage that I would not be able to ge the money back even though the transaction was pending and the money wasnt still available for the other party. I was desperate for an apartment because Im having such a bad and now I got scammed for almost 20 % of all my savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: PA

Complaint narrative:
XXXX XXXX XXXX to who it may concern I am writing this to delete the following information in my personal file. The items I need deleted are included in the report. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible. Thank you so much for hearing out my concerns. 

Violation of consumer laws.

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 2022-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX sold the servicing of my mortgage to XXXX Mortgage XXXX. The transfer was made on XX/XX/2022, as of XX/XX/2022 my credit score dropped XXXX points. The problem is that XXXX is showing the account as " closed '' not sold or transferred. I have tried speaking with them on the phone, and even filed a complaint with the XXXX. Their stance is basically that the account is no longer with them, so it is no longer their problem.

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 2022-03-16 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: GA

Complaint narrative:
XXXX XXXX XXXX sold the servicing of my mortgage to XXXX Mortgage XXXX. The transfer was made on XX/XX/2022, as of XX/XX/2022 my credit score dropped XXXX points. The problem is that XXXX is showing the account as " closed '' not sold or transferred. I have tried speaking with them on the phone, and even filed a complaint with the XXXX Their stance is basically that the account is no longer with them, so it is no longer their problem.

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 2022-03-16 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Carrington Mortgage Services LLC purchased my mortgage servicing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. Carrington is not reporting that they are my new mortgage servicer and XXXX is showing the account as closed. This caused my score to drop XXXX points as of XX/XX/2022. I have spoken with them several times about this matter and they are basically telling me they are not going to report anything for 60 days. From what I read, the law just states that they can't submit anything negative to my credit for 60 days. They blamed the credit bureaus saying that they jumped to conclusions when XXXX showed the account as closed...??? 
Please note that I have already made XXXX timely payments to Carrington for XXXX 2022 and XX/XX/2022. 
I also reached out to XXXX, XXXX, and XXXX with no luck in solving this problem. They just keep telling me that the account is not delinquent and everything is ok the account is closed. I keep trying to explain to them that the account is not closed, it has been sold. Showing it as closed is hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
The criminals at CAine and Weiner are using harrassment tactics and call several times a day on a private # when the " debt '' in question was that of an LLC not ANY individual. At no time did I sign an individual gurantee for the initial chargeback for a venue rental when the customer actually used our facility, damaged our property then filed a chargeback. There are several legal issues here .... where your agency has been contacted to stop ANY collection effort on me personally for an LLC debt that was not valid in the first place. The atty general in TX is filing suit against these criminals for numerous other illegal tactics as well. The Q is where is the federal help us tax payers need when these mafioso companies attempt to harrass, intimidate and threaten consumers? Are you going to take action???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: NC

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: KY

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX, I made purchases with my US Bank XXXX XXXX with a 0 percent introductory rate totaling approximately {$2000.00}. US Bank classified these as cash advances, so they were subject to interest. 

Realizing a portion of my balance was now subject to interest, I paid the cash advance off at the end of the month. On XX/XX/XXXX, I made payments of {$400.00} and {$2000.00}. More than enough to cover my minimum payment plus the cash advances and associated fees. 

There was an interest charge in XXXX, but I figured that was just for the partial month prior. However, they continued to charge interest for the next three months. It appeared they did not properly credit my payments to the cash advance balance. 

On XX/XX/XXXX, I called customer service to see what the issue was. They told me payments are supposed to go to the minimum payment, then toward the highest interest rate balance. However, because I tried to pay it off before the cash advance hit my next statement, the funds went toward my promotional balance instead of the cash advance balance. 

I asked them to correct this obvious error. After initially acting like they could correct it, she came back after a brief hold and said there was nothing they could do. My only option was to pay it off again. Even though I already had! 

This is clearly an accounting error on the part of US Bank. One that should have been easy to fix. Instead, I was erroneously charged over {$100.00} in interest. I am being punished for paying my bill too early. How does that make sense?

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 2022-03-16 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: PA

Complaint narrative:
XXXX XXXX XXXX to who it may concern I am writing this to delete the following information in my personal file. The items I need deleted are included in the report. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible. Thank you so much for hearing out my concerns. 

Violation of consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: PA

Complaint narrative:
XXXX XXXX XXXX to who it may concern I am writing this to delete the following information in my personal file. The items I need deleted are included in the report. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible. Thank you so much for hearing out my concerns. 

Violation of consumer laws.

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 2022-03-16 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: PA

Complaint narrative:
I am making this complaint on be half of my self an no other. I sent XXXX XXXX a cease and desist got notice that they received it XX/XX/22. I never received noticed that I could dispute this debt. XXXX XXXX is ruining my reputation and damaging my XXXX XXXX shared this alleged obligation with the consumer reporting agencies. I sent this company a cease and desist and they are still communicating with me through transunion. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Due to this inaccuracy my reputation and character is being effected. Due to this inaccurate report I am unable to get a job. Now I can't obtain credit due to these companies tarnishing my reputation. I recently just got out of the hospital due to constant anxiety attacks. My doctor prescribed me XXXX to deal with my XXXX. This person ( debt Collector ) infringed upon my right to privacy by having a conversation with a 3rd party about me while I wasn't aware. 15 USC 1681a ( 4 ) .The consumer reporting agency is sharing erroneous info without first consulting with me the consumer. They have no proof that this transaction took place. If so send me the contract that took place between me and XXXX XXXX stating we are doing business. They are impartial because they allowed information to be reported while only hearing one side of the story. 15 USC 1681 ( a ) ( b ) the consumer reporting agencies did not meet the needs of commerce because this was not fair or equitable.15 USC 1681a ( d ) ( 2 ) exclusions from a consumer report transaction between a consumer and person making the report. This is identity theft.XXXX XXXX stole my identity and shared my private information with these CRA 's. Transunion is now CIVILLY LIABLE or willful noncompliance pursuant to 15 USC 1681n ( a ).

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 2022-03-16 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: GA

Complaint narrative:
XXXX XXXX  XXXX XXXX purchased my mortgage servicing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. XXXX is not reporting that they are my new mortgage servicer and XXXX is showing the account as closed. This caused my score to drop XXXX points as of XX/XX/2022. I have spoken with them several times about this matter and they are basically telling me they are not going to report anything for 60 days. From what I read, the law just states that they can't submit anything negative to my credit for 60 days. They blamed the credit bureaus saying that they jumped to conclusions when XXXX showed the account as closed...??? 
Please note that I have already made XXXX timely payments to XXXX for XXXX 2022 and XX/XX/2022. 
I also reached out to Transunion, XXXX, and XXXX with no luck in solving this problem. They just keep telling me that the account is not delinquent and everything is ok the account is closed. I keep trying to explain to them that the account is not closed, it has been sold. Showing it as closed is hurting my score.

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