vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The bank has denied me an account. I meet their published eligibility requirements -- I am over 18, I am a U.S. citizen living in the U.S., I have a social security number, and I have a physical U.S. address. In addition, the bank from which I intend to transfer funds into my Bread Financial  account is a major banking institution ( XXXX XXXX ), and has verified that they have shared my account information with Bread. I have spoken with employees of Bread at least seven times to resolve this, and have been told there are hidden eligibility requirements not reflected on Bread 's website, and that I must not have qualified in every way, otherwise the account would have been opened and my funds transferred in. They have further told me that I will never be told the reason. I have never been denied the opening of a bank account in my life. I must deduce that this is either due to a computerized glitch, or that I am being discriminated against in an unethical illegal manner. I demand to know the reason that Bread Financial has denied me an account. I have complained, and escalated the complaint, and have received no communication of any kind from Bread Financial to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: WY

Complaint narrative:
We have called have emailed the documents that they requested and keep asking for the escrow to be removed. We pay our own taxes, and insurance policy. 
called once a month for the last 6 months. 
. Emailed the company XX/XX/XXXX { attached 2 ( two ) pages showing the following. The XXXX notice of assessment from XXXX XXXX, XXXX Wyoming to the county assessor that this property is not real property, we are asking again the escrow charges be removed from this loan we pay taxes on the land only and separate taxes on the trailer house XXXX XX/XX/XXXX asking for the escrow charges be removed, because we pay our own taxes and insurance policy information. The emailed included 4 { four } documents per their request and they still refuse all of our requests to set loan Straight. 
This loan was FOR LAND ONLY ( loan opened in XXXX ) by XXXX XXXX for the total amount of XXXX ( XXXX ) This loan has been sent to 10 ( ten different creditors since we opened ) Now today Fay Servicing has added escrow charges for taxes and insurance. 
every month on top of interest and principal. My XXXX is a XXXX Veteran, so our taxes are exempt, reducing the amount we pay on the Land Only and our XXXX XXXX,. Our total amount our loan is now {$91000.00}. We pay {$600.00}. dollars every monthly, never late always on time. 
This loan has caused a finial burden on our family, and we can not continue PAY FOR THE ESCOW CHARES. We have always provided any document they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
on or around XX/XX/2021 a credit card was opened in my name as a result of identity theft. I have tried on several occasions to contact navy federal credit union about this fraudulent account but they ignored me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have always paid my bill on time with this credit company but when I recently pulled my credit i saw that i have a 30 day late payment. This is damaging my credit score and affecting my ability to get a home loan. Please help. I have disputed them with the company and the credit bureaus but have gotten nowhere. Anything you can do to help me would be greatly appreciated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
All alleged " loans '' are closed at signing stop violating consumer rights violating UCC and USC laws and the Treaty of Peace and Friendship 1787/ 1836 of which im a party to. NAVY FEDERAL CREDIT UNION and Agents have received due process of my dispute and have defaulted already and still have not sent me a Certificate of Satisfaction of which I DEMAND. Unconstitutional practices of these alleged banks that are financial institution are violating natural peoples rights with false and misleading documents and felonious activities of Securitization using misleading documents. We Know we are the original creditors and all alledged debt is generated of the credit of the living consumer signature in thus there is no loan and any installments are to be deposited to the original creditors of which all Corporations are Bankrupt and operating off fraud activity in no way can an alledged Financial institution under USC UCC laws charge a fee for an alleged paper draft called a promissory note. Of which this institution is in willful violation of my rights as a consumer rights and are continuing to violate my rights after i have put them on Notice and they Defaulted and failed to conduct business in a proper way. HJR 192/USC/ USC/U.S . Constitution/ State Decisis case laws/ ( violations ) and Fraud - I demand ( Remedy ) Refund And There Certificate of Participation also Certificate of Satisfaction for any alledged obligation to sent certified mail to a location on file. I am Competent they are acting in Fraud i demand Remedy and they have been Noticed. All Affidavits have been received and all evidence is recorded and ready to proceed. I demand Settlement Setoff Discharge Offset Closure and Remedy Immediately. Stop Coercion and deceit NAVY FEDERAL CREDIT UNION AND AGENTS and attempt at injuring me for enforcing my birth rights in business activity or personally will be recorded and reported for any attempts to hinder coerce deceived or hinder me or any negative activity against me or my estate in reversion will be an willful violation of my rights and is recorded in this complaint against you Agents of NAVY FEDERAL CREDIT UNION and the foreign corporate construct itself. Refund all credits to the account on file Immediately mail all documentation to the location you have on record immediately and send the Certificate of Satisfaction immediately. Remedy is Demanded immediately public and private. I demand NAVY FEDERAL CREDIT UNION and agents to DISCLOSE all credit entries created from the social security number used on this alleged loan account and all information on the private side of the books at this institution involving the social security number in use FULL DISCLOSURE IS DEMANDED. Return all proceeds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 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: CA

Complaint narrative:
To Whom it May Concern ; This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy on XX/XX/2022. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1. Credit Denial for an Auto purchase loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vita role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, Provide me with the details of the system adopted by your organization to determine whether the transaction took place or not.

Further pursuant to 15 USC 16811 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
My wife XXXX XXXX was scammed through zelle on XX/XX/XXXX my wife got a call that a zelle fraud was on her account. 
call came from XXXX XXXX XXXX XXXX ( most likley a spoofed number ) our bank XXXX XXXX  called and talked to both banks, they are currently doing an investigation into it. But im starting this complaint in case the banks cant do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
On XX/XX/22 a deposit was sent over to what was thought to be a XXXX  XXXX. Services were never rendered. XXXX Bank is refusing to file a flail to recoup the funds sent over to the would be scan XXXX. XXXX XXXX is not helping either. Attached you will find the correspondences. I have since then reported the XXXX page to XXXX and the page has been deactivated. Id like my {$150.00} back immediately and XXXX should go after the scanner just as the would when disputing charges from XXXX or XXXX. Zelle instructs you to contact your banking institution, they dont offer any help either!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX : In conjuction with previous CFPB complaints Under the law/following you are in violation : Reporting my transactions or experience ( utilization ) FCRA 15USC 1681a 2A *** *The need of MY written consent to report Anything and MY right to privacy 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 ) ******* And Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( XXXX ) ( B ) [ 15 U.S.C. 1681n ] My late payment, remarks, Account status etc ESPECIALLY legally should not be on my report anymore AS YOU PREVIOUSLY AGREED.nor should the details of our agreement. If you feel this is an error and the violations don't pertain to you please send me a letter in details explaining why and BACKINGit with laws that override the above i stated...

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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My daughter applied for a XXXX XXXX XXXX from XXXX XXXX. She went to their site to see if she would prequalify for a card without any impact to her credit bureau score. The pre-qualify said she didn't qualify so she used me as a co-signer, again using the prequalify on-line application. We were both denied, end of story. Unfortunately XXXXXXXX XXXX reported the denied application to all 3 credit bureaus as a declined loan, thus lowering my score between 3-9 points. This was supposed to be a prequalify, not an actual application.

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 2022-10-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX responded quickly removing the account information that was inaccurate. Experian, and XXXX has not removed the information and its has been passed 4 days since they had my ftc report, personal statement, proof of identity and the identification of the accounts that are inaacurate.

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 2022-10-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been disputing this error on my credit report for the past 4 months and nothing has changed. I am now being violated as a consumer and these bureaus are causing me XXXX XXXX  by reporting inaccurate late payments on my credit report. I have never made any late payments on any of my accounts yet these bureaus are still being stubborn by reporting the XXXX late payment on XXXX of my student loan accounts. This will be my final attempt to rectify this situation as it is highly affecting my credit score from what it should be reflecting as currently. EQUIFAX IS ALSO WELL OVER 30 DAYS OF RESPONDING TO MY LETTER THEREFORE THE SIMPLE ITEM I AM REQUESTING TO BE UPDATED NOW MUST BE UPDATED BY LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
On XX/XX/22 a deposit was sent over to what was thought to be a tattoo artistXXXX creating a fraudulent account on XXXX perpetuating a fraud. See attachments Services were never rendered. XXXX XXXX is refusing to file a flail to recoup the funds sent over to the would be scan artist. XXXX XXXX is not helping either. Attached you will find the correspondences. I have since then reported the XXXX page to XXXX and the page has been deactivated. Id like my {$150.00} back immediately and XXXX should go after the scanner just as the would when disputing charges from XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I started an account with Chase Bank roughly a little over 3 years there. I am a military veteran so they said oh we have military banking you can get free checks, no atm fees and a free safety deposit box. It took about a year to get the safety deposit box, they called and asked if I still wanted it about a year later. So its been free for 2 years now. Today I check my account and they took {$55.00} out of my checking account for rent on my safety deposit box i immediately went to the bank and gave them my safety deposit box keys back and closed the account. I have the documentation to support the closing of the safety deposit box. I then asked for my {$55.00} back, they said they will not refund it. Now as far as I know when you rent something you pay for it before you occupy it. So Chase bank just took my {$55.00} with no explanation other then some smug manager saying oh its in litigation and we arent giving refunds This is not acceptable and I would appreciate any help that you can give me on this matter. 

Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05 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: NC

Complaint narrative:
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. 

Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2022-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PAYPAL STOLE MY MONEY! 
I did create a paypal fundraiser XXXX XXXX XXXXXXXX after having received many donations paypal all the sudden limited access to my account permanently saying the transactions are a risk and that my funds will be available in 180 days. now 180 days later they did withdraw the money to themselves! THEY STOLE ALL MY MONEY! THEY DID NOT EVEN SEND AN EMAIL ABOUT IT! THEY JUST TOOK IT! 
ALL DONATIONS THAT I HAD RECEIVED THE JUST STOLE THEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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 had found flights through Capital One XXXX  for a trip to XXXX  with my partner ( XXXX XXXX ) who is also a Capital One member. When we had decided to purchase these tickets on XX/XX/XXXX a notification came up on my screen stating an additional {$81.00} per ticket had been added. This happened seconds after my partner booked her flights for the correct price with no additional fee and as I was inputting my payment info, Capital One XXXX XXXX  credit card ending in XXXX. I immediately called Capital One XXXX  with hopes to have the price matched to the original price that I attempted to book. After the service representative failed to grant my request, I stated that I would not be purchasing my flights with Capital One XXXX but through the airlines directly, which I did so shortly after. Once, I ended the call with the Capital One sales representative, I closed the tab on the booking page, never having clicked book or purchase tickets, and went about my day to search and purchase tickets through XXXX ( Confirmation Number ( s ) XXXX, XXXX ) and XXXX XXXX ( Confirmation Number XXXX ). 

A few days later Im paying my credit cards, which I do every 2-3 weeks and notice a charge from Capital One XXXX  . I immediately called them to figure out what happened as I never purchased tickets through them. They assure me that they can trace a click or prove that I booked my flights through them, which I never did. After explaining my exact actions and reassuring them that I never booked with Capital One XXXX they continued to inform me that I did something I did not do. I mentioned that there could have been a glitch or malfunction with their page or their tracking system because I am more than one hundred percent certain that I did not purchase anything through the Capital One XXXX platform. 
Regarding the second charge : While in XXXX, I stopped at a convince store to purchase gum, XXXX, a deck of playing cards and a bottle of water. After returning home and paying off my credit cards as I normally do, I noticed that I was being charged {$200.00} USD for something that should have been around {$10.00} USD. I found that the conversion rate is close to what the total should have been. If it was XXXX pesos, it would have been an accurate purchase but I was either scammed or mistakenly charged in USD. Capital One claims that I need to have the paper receipt to dispute this obviously incorrect charge. 
I've spent days on the phone with capital one to resolve this issue of false charges and have only been given a {$100.00} goodwill credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Ulta/Commenity capital bank make fraudulent charges, fees and interest to my account after Ive made multiple final payments over the phone, last payment made XXXX XXXX to clear the account and even received a confirmation number and was told I would get a receipt in the mail. I received an even bigger statement in the mail without my payments being applied. The payments were never applied or cleared and I asked the supervisor to go back through the recorded calls on that day but they refused and are charging me even more money and refused to solve the issue. I was told my account would be cleared and closed and it is unusable, but they still make expensive charges to it without my knowledge since the phone call.

Company response to consumer: Closed with monetary relief