vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: UT

Complaint narrative:
I took out a credit builder plus loan to help improve my credit and after about 6 payments I tried to pay the loan off but they wouldn't allow me to do this. The reason that I was given over the phone ( I have this call on a recorded line ) was that because I was late with my credit plus membership fee that they could not accept my payment either through the online app or the payment over there the phone even after I told him that the membership fee had been waived by them and not even at my request. The next month I wanted just to make enough of a cash payment on the account that would allow me to use my credit reserve to XXXX  balance and payoff the loan but they said I had to make a full monthly payment and that they would then send me the remainder of the credit reserve in 2 days to my checking account. I received a message that they were releasing my credit reserve on XX/XX/XXXX and that it would be available to me by the XXXX ( 3 days longer than what I was told ). It is now XX/XX/XXXX and they still have not sent me the overpayment which is held in credit reserve on the loan which was paid of on XX/XX/XXXX. Every day I am told that this has been turned over to their dedicated team and that it would be completed in 3-5 days. Today when I called to see if the dedicated team was done yet and was told that this was the first they ever heard of the problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have has money in my checking that is. Available for a payment that was taken and never refunded and now im negative and had to pay extra to keep my account from being negative where my money and why as a single mother i have to do this 3 times when i should trust wells fargo ive been a member since XXXX  and still give wells fargo a chance

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 2023-08-14 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: FL

Complaint narrative:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items. Please do so, to comply with FCRA section 611 which requires all reporting to be XXXX XXXX accurate. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2023-08-14 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: FL

Complaint narrative:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items. Please do so, to comply with FCRA section 611 which requires all reporting to be XXXX XXXX accurate. 

XXXX XXXX XXXX2022 XXXX XXXX XX/XX/XXXX2022 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: TX

Complaint narrative:
XXXX is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists

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 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I added {$440.00} from my Bank Of America checking account to my XXXX XXXX It said declined from XXXX but withdrew the funds from my checking account anyway. No record on XXXX. I called in on XX/XX/23 to dispute the transaction and the original rep told me that it is covered under regulation E and that if there was no resolution within 10 business day I would recieve a provisional credit. 10 business days go by and I call in to BofA to get an update. I am now being told the original rep gave me misinformation and that in fact the transaction was not covered under regulation E. Some back and forth and I ask to speak to a supervisor. XXXX from XXXX said that she is sorry I misinterpreted what the original rep told me.Putting the blame on me. I said no, they certianly told me it was covered under regulation. I do some research on exactly what is this regulation and to me " electronic funds transfer '' seems to be covered. XXXX went on to say how services and digital goods are not covered. I asked her to point to me where it says that. She became irrate saying " its not her job to help me understand the bill. If I have a problem with it to take it up with congress because they are the ones who write them. '' I asked them to explain to me what guidelines are and why this isn't covered under electronic funds transfer. She just continued belittling me and putting the blame onto me and then hung up on me. Just blatanly lying to my face.

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 2023-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
fell behind on car note couple of months ago. Have been paying on time payments to this account for almost two years. I've had my checking account linked to this account for all this time. When I got behind, they said the account was not linked. I reverified the account by them sending text messages and email codes to my devices. Then it says this checking account is already linked but will not allow me to make the payment by not showing the supposed linked checking account. They bill on their website showing XXXX and XXXX is not done and XXXX has not come in misleadingly.

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 2023-08-14 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: FL

Complaint narrative:
I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX XXXX XXXX and also reached out to XXXX about my concerns about the following account which is XXXX XXXX XXXX XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.

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 2023-08-14 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: FL

Complaint narrative:
I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX XXXX XXXX and also reached out to XXXX about my concerns about the following account which is XXXX XXXX XXXX XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.

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 2023-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Two charges were made on my card without my knowledge or permission. These charges were two cash advances. My card and PIN were stolen my desk at my home while I was out of state on vacation. I employed a house/dog sitter while I was away. The card and PIN were used by the sitter or another person or persons who stole the card and PIN or who the sitter gave the card and PIN to. I discovered the charges and timely filed a fraud claim with Capital One. On XX/XX/ Capital One sent me a letter acknowledging the claim and promising to investigate, see attached letter. On the same day, XX/XX/ Capital One sent to me another letter denying my fraud claim, using a generic form letter, see attached. Capital One did not contact me or investigate my fraud claim, they denied it without investigation, reason, or justification. My losses total {$500.00}. These charges do not belong to me. I filed a sworn fraud affidavit with Capital One, see attached. Capital One still refuses to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: Paramount GR Holdings, LLC
State: PA

Complaint narrative:
As per the FCRA Act 15 USC 1681 in section 602 the consumer reporting agencies should exercise their responsibilities with fairness and respect for the rights of the consumer privacy. XXXX, XXXX AND XXXX are considered consumer reporting agencies. And that makes me the consumer, I have the right to not share my private information 15 USC 6801, 15 USC 6802 ( b ) ( c ) Privacy Act of 1974, 15 USC 1681 ( c ) 12 CFR 1016.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
While visiting the branch, I was offered a 0 % and XXXX fee credit card offer which I accepted - branch rep repeatedly told me that " clear value : card has no fees. 
However, upon receipt of the card I was refused XXXX fee part - and old attempts to convince otherwise have failed and my balance transfer still caused 4 % fee being charged. 
I am requesting review of this charge and refund as its existence was not disclosed during the application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have worked with Capital One 's Quicksilver Fraud Department and the recommended I report to the CFPB about an ongoing person or persons trying to open another credit card in my name ( report # XXXX ). There has been several attempts on doing this that I've managed to stop with the help of Capitol One. 

In addition, since approximately XX/XX/2023, there has been several attempts on the website XXXX and XXXX to use my old and expired drivers license to collect house deposits for rental properties in the state of Wisconsin where people have lost money only to find out it wasn't me. This has been reported to XXXX XXXX ( WI ) PD as well as XXXX ( WI ) PD. These police departments informed me of the fraudulent postings of my name in XXXX and Minnesota doing the same thing. 

I hope that you can assist me in protecting myself or guide me to further assistance in this matter before something bad occurs to me. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: TX

Complaint narrative:
XXXX XXXX XXXX is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have submitted letters to XXXX, XXXX, and TransUnion on XX/XX/2023, XX/XX/2023, and XX/XX/2023, requesting an investigation into the negative items on my credit report. To date, they have not provided any evidence to support these negative items, nor have they removed the items. 

Per the FCRA, the negative items on my credit report must be validated by original signed documents or removed if these accounts can not be validated ( by providing documentation ) within 30 days. In the past, the CFPB have closed this request because you said it has been answered in the past. I disagree with that reasoning and it is my right to request a re-investigation. 

I am requesting one final time, these accounts be deleted or I will have to see legal action due to violation of the FCRA. The accounts are included in the attached letters that were sent on XX/XX/2023.

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 2023-08-14 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: NC

Complaint narrative:
I have submitted letters to XXXX, Experian, and XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023, requesting an investigation into the negative items on my credit report. To date, they have not provided any evidence to support these negative items, nor have they removed the items. 

Per the FCRA, the negative items on my credit report must be validated by original signed documents or removed if these accounts can not be validated ( by providing documentation ) within 30 days. In the past, the CFPB have closed this request because you said it has been answered in the past. I disagree with that reasoning and it is my right to request a re-investigation. 

I am requesting one final time, these accounts be deleted or I will have to see legal action due to violation of the FCRA. The accounts are included in the attached letters that were sent on XX/XX/2023.

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 2023-08-14 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:
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 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 2023-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I consumer, XXXX XXXX, entered into a consumer credit transaction with REGIONAL ACCEPTANCE CORPORATION on XX/XX/2022. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but REGIONAL ACCEPTANCE CORPORATION took cash. The finance charge is supposed to include insurance, but REGIONAL ACCEPTANCE CORPORATION made me purchase insurance seperately.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/23 Dear CFPB, I am writing you because capital one credit card company has the audacity to tell me if I can use my dollar via debit card from my bank checking account or my checking account to pay my bill. I contacted them I get some help and the woman who answered didnt know anything but to put me on hold for over 20 minutes. I dont like contacting the company when they dont understand plain XXXX  .. especially if thats what Ive spoken all my life. Capital One has audacity to tell me how to use my dollar bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
I the consumer have asked XXXX XXXX XXXX to validate the alleged debt he claims that I owe, and all he has provided me with are statements to an Alleged account that he can not prove is mine. I never gave XXXX XXXX XXXX consent to use my private personal information for anything. I do NOT have a contract with XXXX XXXX XXXX or his company. 
This is the 3rd attempt and I still have not received the relevant paperwork that the law requires this debt collector to provide the me the consumer. XXXX XXXX XXXX and his company have violated my Consumer Rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. 
You XXXX XXXX XXXX ( Sessoms & Rogers ) failed to validate this alleged debt. 
I refuse to pay this alleged debt until the proper validation of this debt is provided. 

You are an attorney/debt collector is this correct? If so, I imagine you know the difference between a Validation and Verification of Debt Pursuant 12 CFR 1006.34c. 

This is all hearsay, what firsthand knowledge do you have? This is all false and misleading information. 

Furthermore, I request verification of the alleged debt, specifically, a copy of a CONTRACT or AGREEMENT. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. 

An attorney can not be a debt collector and a debt collector can not be an attorney. You are claiming to be both an attorney and a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: NJ

Complaint narrative:
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 a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an 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