vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
ACCOUNT # XXXX We are not able to even check or are we getting/ receiving any information on this account they closed this account after we mailed a letter XX/XX/XXXX ( enclosed copy ) questioning an email we received on XX/XX/XXXX as a fraud /scam email. We have since written numerous letters and made numerous calls ( see just a few of the letters ( dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that only response we get is a letter that is mass produced stating account will remain closed*applicant is not responsive to communication. We have called numerous times/mailed numerous letters and only response we get is a letter it is closed. Nothing addressing all the issue we have asked or written. When we call, we are being told : Great customers, great credit, very high credit score, they would need to limit credit given and that a supervisor would call back. However, no one every call back, has left a message or has reached out at any time.

We are still questioning entire account all chargers over entire duration of account, missing cards that we got three emails that they had been mailed, club points over {$300.00} that we can no longer access because of the account being closed, PAYOFF after entire account is investigated and corrected. Payments we have sent applied to principal as they stated correctly. This is discrimination since we are a married couple wanting a joint account, we questioned this and the email that we thought was fraud.

We are not looking to reopen or are we interested in that at this point due the way the entire issue has been handled. We have been issued a joint account through another card with no issues and done very quickly. It also offers much better incentives and ones that are actually not just based on one company Cabelas which is also discrimination against people that dont use hunting products. 

Thank you to your immediate help correcting all the issues with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: OneMain Finance Corporation
State: IA

Complaint narrative:
I spoke with One Main and let them know that I am working with a debt consolidation company and that company will be contacting them appropriately XX/XX/23. I continue to get calls even after I had the discussion which is fine if they feel the need to continue calling until XX/XX/23. However, there was a call that was placed to my work shared business phone line from a number that came up as XXXX. They started discussing my personal financial information on this line without any sort of verification on whom they were speaking with. My concern is that my information is being shared without any sort of validation or business need to know... I think this is possibly a privacy violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Community Cash Management Corp.
State: ME

Complaint narrative:
Marcam associates called me almost XXXX time a day. After blocking XXXX number they call from a new one. I attached a screenshot showing multiple calls this past week and this is just number XXXX havent blocked yet. I get automated voicemails from XXXX, XXXX, XXXX XXXX, this is beyond excessive at this point for what Im pretty sure are medical bills some from beyond XXXX  years ago.

Im also getting frequent letters from them on top of the calls. For instance I just got XXXX letters in the mail today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
Midland Credit Management keeps calling me asking for and looking for a relative that does not live at my address or share my number. I have told them several times that the individual does not live here and this is not there number and now they use robocalls to call me repeatedly starting in the morning. I have told them to stop calling and they will not stop calling

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was going over my Credit Report when I noticed unauthorized marks and I want them removed. 

Experian, 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 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 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 explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Someone gave me a check of {$1900.00} dollars that was bad. I immediately put money in to cover that bad check, Huntington National Bank then locked my account and when my social security was direct deposited into the bank, they closed the account. So, Huntington has all my money and my only main source of income. I told Huntington That i ran out of meds and was nearly evicted but they continue to hold my all my money. I believe they only have XXXX hours to hold my social security and tomorrow will be XXXX weeks. As my only source of income have been trying to find a way to live. 

I filed XXXX XXXX reports and have my Senators following up. I even wrote the board of directors, but no response. I will write another XXXX report tonight. Being on XXXX and social security is my only source of income beside my XXXX hour a week job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX I sent two transactions through cash app to a, XXXX XXXX XXXX. The amount thats was sent was XXXX transaction of XXXX XXXX  and one for XXXX XXXX The exchange was supposed to be for a part to fix my car. ( A driveshaft ) After I sent the money XXXX stopped responding and my package never came. I have all the messages for proof and my bank keeps telling me that since it was an authorized transaction made on cash app, that they can not do anything. 

I paid for a product I never received. I have this mans whole name. There has to be some way to get my money back. Right? 

This is really unfortunate and this is my last chance of hope

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
On XX/XX/2023, XXXX XXXX notified me that they would no longer service my loan as of XX/XX/2023. Please see attached document. The new servicer of my loan became New Rez as of XX/XX/2023. I sold the property on XX/XX/2023. I no longer own the property, but both XXXX XXXX and New Rez have failed to properly update the credit agencies that a mortgage no longer exists on the property. My credit reports are all showing mortgages for a property that I no longer own. I have filed disputes with the credit agencies, but my credit reports are still not being updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2023, XXXX XXXX notified me that they would no longer service my loan as of XX/XX/2023. Please see attached document. The new servicer of my loan became XXXX XXXX as of XX/XX/2023. I sold the property on XX/XX/2023. I no longer own the property, but both XXXX XXXX and XXXX XXXX have failed to properly update the credit agencies that a mortgage no longer exists on the property. My credit reports are all showing mortgages for a property that I no longer own. I have filed disputes with the credit agencies, but my credit reports are still not being updated.

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 2023-10-24 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: SC

Complaint narrative:
On XX/XX/XXXX  I noticed information being furnished on my consumer report regarding utilization and late payments. I have reached out to the creditor and the reporting agency, regarding the inaccuracies and unfairness. I requested that the late payments and utilization to be deleted due to privacy. The information being furnished on experiences and transactions are supposed to be excluded from consumer reports. Consumer reporting agencies are supposed to report accurately by the guidelines given in the fcra and they are not doing so.

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 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I signed up for a Truist checking account and was promised I would receive a sign-up bonus of {$400.00} if I completed their terms and requirements for the bonus. Their terms were : opening the specified checking account ( which I did ), then make sure that XXXX ( XXXX ) direct deposits ( from employer, benefits, etc. ) of at least {$500.00} are deposited into the account within 90 days of opening the account. 

I opened my account on XX/XX/2023. I had XXXX direct deposits that were deposited into the account from my employer. The were both for over {$500.00}. These are the exact dates and amounts of the XXXX deposits : XXXX XXXX : {$500.00} on XX/XX/2023 XXXX XXXX : {$500.00} on XX/XX/2023 I satisfied the terms and conditions of the bonus within the time frame that Truist specified, but they are denying me the bonus, claiming I did not meet the requirements. I received an email from Truist on XX/XX/2023 stating the following : " During our final review, we noticed that you did not meet all qualification requirements of the offer, therefore, the reward will not be processed. '' Apparently the XXXX deposits were erroneously coded in their system as person to person payments, but they are in fact from my employer. It is a direct deposit from my employer, so this meets the terms of the agreement. These paycheck deposits should have been coded as direct deposit, and the error is apparently with Truist 's online coding system. My account has never been in a delinquent state, and I am in good standing with my account status with them. I fulfilled the requirements, so I am entitled to the bonus that they promised from the onset of my opening an account with them.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : -XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : -XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, TAB/SUNBIT # XXXX To Whom it XXXX Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I was a victim of ID theft. There are inquiries on my Equifax credit report that are fraudulent and do not belong to me. Ive already filed a FTC report. And the inquiries are, XXXX XX/XX/XXXXXXXX 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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent you a Letter 2 months back because you are reporting some late payments that is NOT accurate and I asked you to update these payments to ON TIME PAID AS AGREED. You seem not to understand how serious this is because you have not fixed the issue for me. Please look at this letter as it is my SECOND time notifying you of some items that are incorrect. These are not accurate on my credit reports I have listed the account name and account number below along with the dates you are reporting late and those dates need to be paid to PAID AS AGREED. 

XXXX account : XXXX XXXX XXXX- REPORTED LATE 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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting 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 interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. ive checked my credit an noticed all information listed is reported illegally an fraudulent reporting that is hurting my credit file. this issue needs to be reviewed an corrected to help my credit file get clear. please review an remove the listed items asap to help clear my file asap.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I have asked XXXX, XXXX, and XXXX to send me validation.. I have called and sent letters numerous of time.. I have also sent in my driver license, social security card, and an light bill.. I have not gotten any resolution

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation