vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/23 my {$180.00} monthly payment to my Capital One Quicksilver account, which was the full balance, was made prior to the cutoff hour of XXXX XXXX., but somehow the payment defaulted in the system to a previously Capital One closed checking account and the payment was returned on the same date. I was notified via email on XX/XX/23 @ approximately XXXX XXXX. I immediately made the full {$180.00} payment on XX/XX/23 and called customer service, explaining the issue and spoke with agent XXXX, who advised that the payment would still post as late, and I would have to wait until it posts to challenge any fees. The payment posted on XX/XX/23, and my account was charged a {$25.00} late fee, and {$9.00} in interest charges. I called customer service on XX/XX/23 and spoke with XXXX, who confirmed that he had the authority to waive the late fee and interest charges. On XX/XX/23 the {$9.00} interest charge showed as credited back to my account, but the {$25.00} late fee was not. I called on XX/XX/23 and spoke with XXXX, who said the {$25.00} late fee would show waived by XX/XX/23. On XX/XX/23 it was still not credited, so I called and spoke with XXXX XXXX ( or XXXX XXXX who said the late fee had not been waived, as it was ineligible for waiver, and she did not know why. On XX/XX/23 my next on time full balance payment of {$980.00} due on XX/XX/23 was posted. On XX/XX/23, my {$0.00} balance account was charged another interest of {$13.00} ; which they took out of my cash rewards. My call on XX/XX/23 to XXXX. XXXX XXXX, resulted in her saying she could not waive the charge, and that my account would continue to be charged interest for two more billing cycles of payments, even though there are no charges, and no balance due. This is the second time in the four years of having this account, that this default has occurred, last occurrence was in XXXX, but was corrected by the bank, but now they are refusing. This is an unacceptable, unscrupulous and seemingly illegal practice ; one that I have never before encountered in my excellent long and varied credit card experience. I am asking that the bank address this issue and be held responsible for its own error, and that my {$25.00} late fee, as well as the interest charge of {$13.00} on XX/XX/23 be credited to my account which is the only fair thing to do, as the payment posting late was not due to any fault of mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I have divorced my ex-wife and I went through the assumption process with Freedom Mortgage Corporation ( Existing Lender ) after getting all cleared/submitted and completed when I accessed my loan in the XXXX APP from Freedom Mortgage there was a duplicate loan showing in the screen with the exact information, however the Loan Term shown XXXX yrs ( did not match my Closing Disclosure at XXXX XXXX mo due to the assumption ) nor the monthly payment described in the XXXX $ XXXX XXXX. After several calls and time spend of reporting these issues, I was told to create a new account however when I tried there was a XXXX message telling me that the information was incorrect then I had to call XXXX  several times after this and today I have been notified that my access was cut/deleted that I won't have access to my loan using the website due to concerns of me having to access information from my ex-wife ( Which by the way the only info in the website was her name and nothing else ). I believe XXXX is not taking care of me as a customer as well as limiting me the ability to manage my account as any other of their customers, needless to say but I have never missed a payment. 

I believe they need to correct this issues as soon as possible and make sure I have the same level of access of another of their customers including the ability for me to manage my account at my own will.

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 2023-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: KS

Complaint narrative:
Bitcoin has been in crypto account since XXXX. Attempted to withdraw on XXXX  and got an error saying account was restricted. Gemini requested a verification photo which was provided and I have not received a response in 3 days. Reached out via XXXX and also did not receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: OH

Complaint narrative:
I am writing this to request an investigation of the following information displayed on my credit report. In accordance to the fair credit reporting act the accounts below have violated my federally protected consumer rights to privacy and confidentiality : XXXX XXXX XXXX  XXXX. 
ACCOUNT # XXXX XXXX XXXX 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 2023-06-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing this to request an investigation of the following information displayed on my credit report. In accordance to the fair credit reporting act the accounts below have violated my federally protected consumer rights to privacy and confidentiality : XXXX XXXX XXXX  XXXX. 
ACCOUNT # - XXXX XXXX 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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Dear CFPB, I received a copy of credit report and have found the following item listed below to be an error. This account is listed with a 30 day late payment and that is incorrect. The following account was never late and should be listed as Paid Satisfactory. 

XXXX - I was never late on XX/XX/2019 on this account. Please update the account as Paid satisfactory. 

By the provisions of the Fair Credit Reporting Act, I ask that these items be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted them. Please again remove any information that the creditor is unable to verify.

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 non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Dear CFPB, I received a copy of credit report and have found the following item listed below to be an error. This account is listed with a 30 day late payment and that is incorrect. The following account was never late and should be listed as Paid Satisfactory. 

XXXX - I was never late on XX/XX/2019 on this account. Please update the account as Paid satisfactory. 

By the provisions of the Fair Credit Reporting Act, I ask that these items be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted them. Please again remove any information that the creditor is unable to verify. 

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 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The current issue is causing me significant distress  and is having a negative impact on my sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I was a victim of identity theft, someone opened a credit card in my name

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was a victim of identity theft, someone opened a credit card in my name

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 2023-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Money Transfer Acquisition, Inc.
State: CA

Complaint narrative:
Dolex Dollar Express inc. tried to to give him very important personal information like, my personal taxi identification, copy of social security card, copy of my identification, Proof of where I work, and place of birth. All this was suspicious, since they wanted this to be sent by XXXX, call dolex 's legal compliance department directly.on Friday XX/XX/2023, at three different times, Every time I talked to someone they changed their request, in the end they only said that they wanted a copy of my identification, It was the only thing I gave them and it was a Dolex Dollar Express Inc agency that did it directly.Counting the people who spoke explained to me that it was not their thing but the payer in the country of XXXX.and here they are based on the BSA law, what I send to my sister is an average of XXXX dollars to XXXX, which I withdraw directly from her XXXX XXXX  account in the United States, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether by Dollex or the third payer in XXXX, and to this day I have not received my money back, nor do they want it deliver in I request an investigation of both companiesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: TX

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. 

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 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase closed my account due to my balance being low due to their monthly fee structure. I was not given prior notice and was not warned ahead of time. This is causing me problems with applying for credit cards across the board.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX - account is not mine. Shows closed but is not mine and is showing on my reports. Have tried to contact company and can not get any valid response. Have provided them with information to show that the account was not mine. 

Amount : {$7800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX account is not mine. Shows closed but is not mine and is showing on my reports. Have tried to contact company and can not get any valid response. Have provided them with information to show that the account was not mine. 

Amount : {$7800.00}

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 2023-06-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX inquired on XX/XX/2022 and XXXX XXXX  inquired on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep.

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 2023-06-05 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: IL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have checked my credit report and saw these inquiries that I did not authorize and wanted these items to be removed from my report. Below are the inquiries XXXX 1. XXXX, Inquiry Date : XXXX ( The inquiry was not authorized ) 2. XXXX XXXX XXXX , Inquiry Date : XXXX ( The inquiry was not authorized ) 3. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) XXXX XXXX, Inquiry Date : XXXX ( The inquiry was not authorized ) 5. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 6. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 7. XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 8. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 9. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 10. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 11. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 12. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 13. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 14. XXXX XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 15. XXXX XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 16. XXXX Inquiry Date XXXX XXXX ( The inquiry was not authorized ) XXXX 1XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 2. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 3. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 4. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 5. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 6. XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 7. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) XXXX 1. XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 2. XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 3. XXXX Inquiry Date : XXXX ( The inquiry was not authorized )

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 2023-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
This complaint is in regards to the Wells Fargo Settlement. I have not been contacted by them regarding this, but I believe that I am one of the customers affected and is due a payment. I did call the Customer Service number ( XXXX ) XXXX today at XXXX. to inquire. I was told that if I am eligible they would contact me. The agent said that there was no way for him to check on it, using my personal information. He did agree to take my phone number in case of follow up. In that regard, I am requesting that a complaint be lodged in order to determine if I am indeed eligible for compensation. The reason why I believe that I am affected by his settlement is : I purchased my home in XX/XX/XXXX. The Mortgager was Wells Fargo. On or around XXXX, I started to have difficulty and fell behind in mortgage payments. I attempted, several times, to obtain a loan modification, without success. I was repeatedly denied attempts to re-work my mortgage. In early XXXX I submitted a payment for all the arrears ( {$3000.00} ). Those funds were returned to me ( not sure why ). I then started receiving notices from an attorney XXXX XXXX, I believe was the name of the law firm ). My only recourse was to file XXXX  XXXX and include the house in it, in order to stop the sale. In XX/XX/XXXX, my loan was released to another mortgage company. I have not heard from Wells Fargo since.

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