vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
summary : Capital One failed to transfer money within communicated time frame, which adversely impacted my intended real estate transaction. In addition, after Capital One 's failure to transfer, Capital One did not compensate for due earned interests in the savings account. 

XX/XX/XXXX, request to transfer {$80000.00} to an externally linked account initiated on capitalone.com XX/XX/XXXX, auto email confirming transfer, confirmation number XXXX XX/XX/XXXX, XXXX email restricting account and transfer XX/XX/XXXX, call capital one 's customer protection team via recorded line XXXX to lift the restriction XX/XX/XXXX, call capital one 's customer protection team via recorded line XXXX to follow up, was informed to wait XXXX business days until XX/XX/XXXX XX/XX/XXXX, call capital one 's customer protection team via recorded line XXXX to follow up, and filed claim XXXX XX/XX/XXXX, call capital one 's customer protection team via recorded line XXXX to follow up, informed that no way to escalate, can only wait for the process to finish and wait for a final decision by XX/XX/XXXX XX/XX/XXXX, claim XXXX was denied in Ref : XXXX citing " The payment was processed according to your payment instructions. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
On XX/XX/year> : I had an alert from XXXX XXXX that my XXXX XXXX account is XXXX  days past due. This is inaccurate information. 15 U.S Code 6802 ( b ) ( c ) states that, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I, the consumer, was never informed by Transunion of my right to exercise my nondisclosure option. These consumer reporting agencies are in violation of the Fair Credit Reporting Act, due to not complying with 15 U.S Code 1681b Permissible purpose of consumer reports : They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of FCRA. Furthermore, I did not give Transunion, XXXX or XXXX authorization to furnish my information and whether it be verbal, non-verbal, written, implied or otherwise it is REVOKED.

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 2024-03-10 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from 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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My complaint is that XXXX  applied XXXX leniency to me without informing me that modifications were not possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was told beforehand that the funds would be available if I requested it and informed them when I made a deposit. 
I was on the phone with the woman while making a XXXX deposit to my XXXX  account with a money order for {$440.00}. 
I believe this is a bait and switch scheme Ive been a victim of. I have been studying this for a while, I can now tell in memory that there was no intention of making the fund available. 

I have a call recording of the whole thing. The representative XXXX the whole time making me believe this is a legit thing they can do and will do. 

This is a lie and unfair tactics, and I need my funds available now, or the XXXX  order made available immediately so I can put them in a bank that will honor the promises theyve made and not use bait and switch tactics. 

Plus, I need a {$150.00} inconvenience and damage fee as well. {$590.00} total. 

Thank you.

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 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: WV

Complaint narrative:
I mailed my XXXX payment XX/XX/XXXX that was due by XX/XX/XXXX. After XX/XX/XXXX they called and said they did not get my payment. I explained I mailed it USPS as I do every month on XX/XX/XXXX. They finally cashed my check on XX/XX/XXXX. They are refusing to remove {$39.00} late fees. I can not control the XXXX or the card company if they are not checking their XXXX XXXX timely. I pay all my bills by check and timely.

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Credit report date : XX/XX/2024. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I reviewed my consumer reports and noticed two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC
State: OK

Complaint narrative:
OVER THE PAST YEAR D & A SERVICES, XXXX XXXX KEEPS CALLOING MY HUSBAND CELL ( XXXX ) XXXX AND MY CELL ( XXXX ) XXXX 19 TIMES COLLECTIVELY AND HAVE DOCUMENTED AND SCREEN SHOTS FOR LEGAL COUSEL, THESE BELONG TO XXXX XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
In XXXXXXXX XXXX, I contact my student loan servicer, Heartland ECSI, to obtain my upcoming monthly payment amount. I was told that I owed {$2400.00} for interest that accrued over several months during my deferment while I was still in school. I called ECSI to ask what my regular monthly payment would be once I made the lump sum interest payment, and was told that the {$2400.00} would be my monthly payment amount as well. I responded that this monthly payment amount was too high for a {$25000.00} student loan. The customer service representative continued to argue that it was correct and I asked to speak with a supervisor. I was told that no supervisor was available, then I was placed on hold while the representative conferred with another team member. When the representative returned, she told me that if I paid the {$2400.00} interest that accrued, I would get a statement the following month showing me my regular monthly payment- which would likely be around {$500.00} or so a month. I used my income tax return to make said payment, and the following month I received a statement from ECSI stating that my next monthly payment is again {$2400.00}. I also wrote and mailed a letter to the company asking to be contacted about this unreasonably high payment and was never contacted. In addition, last year this company sent me to collections for just over {$700.00} in interest without ever notifying me by mail, email, or phone that I owed this amount. Again, I got nowhere with their customer service and had to write letters to the three major credit bureaus. After contacting these bureaus, suddenly my account was no longer in default. I firmly believe this company is mishandling my loan and will not provide me with accurate or true information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: OH

Complaint narrative:
I have not been able to access my exchange account on crypto.com since XXXX. I have emailed everyday to every email that I can find for this company. I just receive scripted bot responses.Also the chat response is stuck and I cant access it. Also when I looked for their social media customer service my XXXX wallet was compromised and they stole {$210.00} from my wallet pretending to be crypto.com customer service on XXXX. They said that my wallet needed rectified to my original account. These are XXXX separate things. Bad customer service leading to scammers posing as crypto.com customer service. Also the same type of thing on XXXX with a scammer. I have no idea if either of these scammers got access to my exchange account because I cant log in to check it. I have a good amount of money on this exchange but I cant access it. Ive had this account for 4 years and didnt have any problems. The only response that I got in the beginning of this problem was that they suggested forme to change my email with them. So I did and they supposedly changed it but now neither email is connected to my original account and phone number. So I still cant log in. I am at my wits end and dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from 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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Complaint Against Capital One for Failure to Respond to Debt Validation Letter.

Dear Sir/Madam, I am writing to file a formal complaint against Capital One for their failure to respond to my debt validation letter dated XX/XX/2024. Despite my explicit request for verification of the debt, Capital One has neglected to provide the necessary documentation within the legally mandated timeframe. 

As outlined in my original correspondence, I provided Capital One with ample opportunity to furnish the supporting documents and probable evidence regarding the alleged debt referenced by account number XXXX. However, despite the passage of more than 30 days from the date of my initial letter, Capital One has failed to comply with federal laws governing debt validation. 

Their willful negligence in addressing my concerns not only violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practice Act but also exacerbates the financial distress and emotional burden I have endured due to this unresolved matter. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that Capital One fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint.

The creditor is in clear violation of the federal laws listed : 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1692b 804. Acquisition of location information, 15 USC 1692c 805. Communication in connection with debt collection, 15 USC 1692d 806. Harassment or abuse, 15 USC 1692e 807. False or misleading representations, 15 USC 1692f 808. Unfair practices, 15 USC 1692g 809. Validation of debts, 15 USC 1692i 811. Legal actions by debt collectors, 15 USC 1692j 812. Furnishing certain deceptive formsand shall be held liable under penalties of the state pursuant to 15 USC 1692k 813. Civil liability, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

FDCPA 809 ( b ), 15 USC 1692d 806, 15 USC 1692c, 805, FCRA 15 U.S.C. 1681c, 15 U.S.C. 1681e, 15 U.S.C. 1681i, 15 U.S.C. 1681n, and 15 U.S.C. 1681o, has resulted in significant harm to my financial well-being and reputation. 


Please find enclosed a copy of my original debt validation letter sent to Capital One for your reference. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UPGRADE, INC.
State: AL

Complaint narrative:
In XXXX I made an initial complaint and filed a dispute with my bank in reference to a {$220.00} XXXX XXXX  withdrawal that I did not authorize they first tried to say they sent communication requesting more information however they did not because when they sent the communication by mail that they closed my account that they close my dispute I received it in a timely fashion called and had the case reopened off XX/XX/XXXX I had not received communication from them so I called today and was told my dispute had been denied again without notification and the only reasoning is they say I authorized it or I didn't send information which nut has been requested I even asked the gentleman today or that I had already been compensated from XXXX XXXX which is not correct I have not even contacted XXXX XXXX because I'm supposed to have 100 % fraud coverage on my card so I didn't find a need to contact XXXX  XXXX  as a XXXX XXXX  I feel like they are stealing for me and using my inability to her adequate Castle to fight them to their advantage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
Credit report date : XX/XX/year>. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2024-03-10 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
Credit report date : XX/XX/2024. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX, XXXX and equifax is missing generation identifier. These are inaccuracys XXXX reports status updated XX/XX/XXXX Equifax reports status updated XXXX XXXX XXXX reports status updated XXXX XXXX. These are inaccuracys. 

XXXX reports last payment date XX/XX/XXXXXXXX XXXX XXXX  Equifax is missing last payment date. XXXX is missing last payment date. These are inaccuracys

Company response to consumer: Closed with non-monetary relief