vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
The end of XXXX I applied for a capital one business card, I already have XXXX other credit cards with them a credit card for XXXX I've had since XXXX and a Capital one XXXX for XXXX since XXXX. I applied for the business card for my XXXX business. When i applied through XXXX XXXX for the card, XXXX XXXX did most oXXXX XXXX, where i only had to fill in a couple of blanks. they approved me for the card XXXX limit and they also sent the card, with the card i got 2 other letters stating that those other XXXX accounts had been deactivated. the next day i recieved a letter stating that the business card i was just approved for deactivated also. the letters gave a number and also had 3 different case numbers. they stated that it was a concern about Fraud and needed to verify information. XX/XX/XXXX I sent in 3 most recent bank statements and proof of my business, i did that a couple days later i was told to send in my ss card and ID front and back. i done that, next couple of days heard from the person who stated that they were over the account and she never ask for ss card or ID, at that point i stated that if capital one did not want me to have a business card then that was fine, and i was just wanting to know about my other XXXX cards, i have also contacted XXXX and they letter i got back was the same stating fraud and information needed. they were stating my bank statements were not real until i had a rep call the bank and i verified information so the rep could get info on bank statements and they recieved the same 3 month statements, Now they are saying they want my personal bank statements. I have already been approved for the card and its on my capital one account and on my credit. my other credit cards with them are at XXXX always,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/22 I requested an instant transfer of {$700.00} be sent from my Venmo account to my checking account. Apparently I had a debit card linked to my account that had been cancelled over a year ago. Both my account and the debit card are through XXXX XXXX XXXX bank. I called Venmo on XXXX because the funds had never hit my account. After an hour on the phone Venmo told me to call my bank which I did. Speaking with XXXX bank they informed me that the transfer from Venmo would have been immediately rejected since that debit card had been inactive for so long. They state that Venmo had the funds back Immediately. I called Venmo back and gave them all of this information and was informed that they would escalate my case. Today after checking my Venmo account the funds still are not there. I called Venmo again and was told that they would escalate my case to which I said that I was told that was done Saturday. I asked to speak with a supervisor and got hung up on... I called back and eventually got a supervisor that stated she would make sure that my case is escalated and that it would take 10 days for them to investigate .... I have been without these funds for 9 days and it is putting me in a real bind financially. I just need my funds to be made available

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXXt account # XXXX, has violated ny rights. 

15 USC 1681 section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It aslo states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: EQUIFAX, INC.
State: IL

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. 
XXXXXXXX XXXX XXXX  account number xxx ***, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I financed a car in XXXX with Chrysler Capital in order to take advantage of a promotion. I made XXXX payments before getting a new loan as told to do so my the car salesman. I refinanced my loan with XXXX. The application was approved on XX/XX/XXXX. The check was received on XX/XX/XXXX, at Chryslers correct address according to XXXX. I received a bill from Chrysler Capital dated XX/XX/XXXX. In the account activity, it says the vehicle was paid off on XX/XX/XXXX, and the payment was reversed on XX/XX/XXXX. Meanwhile, I, the consumer, am receiving bills from two banks ( Chrysler and XXXX ) for the same vehicle. I have communicated with both banks three separate times now with no effect. This experience has been very frustrating for me the consumer. I am the one whos name and credit are the online. I would like for the two institutions to communicate with each other and resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: IL

Complaint narrative:
On XX/XX/2022, I received two thick envelopes from my mortgage servicer, BOK Financial, informing me that I was in default and had 90 days to cure it or else they would begin foreclosure proceedings. 

This was the first correspondence I had indicating that anything was wrong with my account. After calling them the following day, I learned that after a single bank overdraft in early XXXX, BOK Financial turned off my automatic mortgage payments and did not inform me of that change. As a result, I was suddenly three months behind on my mortgage payments and thus at risk of foreclosure. 

BOK Financial insisted that they had mailed me multiple letters and called me several times, but the foreclosure warning envelopes were the first sign that anything was wrong. A person claiming to be from BOK Financial had called me the previous week, but asked to confirm the last four digits of my SSN -- believing it to be a scam, I simply hung up. 

I find it frustrating and suspicious that BOK Financial claims that they could not get ahold of me for three months and yet was able to deliver a foreclosure warning right on time. Not once did anyone leave a voicemail, send an e-mail, or send a text message. 

I'm XXXX XXXX XXXX ; I rarely pick up the phone if it's a number I don't recognize, but I'm on e-mail all day, and BOK Financial was able to send me multiple e-mail notifications of secure messages throughout my complaint process after the fact. 

Even though I immediately paid the past-due mortgage payments plus fees the day after receiving the first notice, the " late payments '' have already shown up as a negative mark on my credit report -- despite the fact that I have never once missed a payment previously in more than seven years of ownership. 

Aside from waiving a single late fee, BOK Financial claims they can not do anything else to resolve this situation. I cordially request the CFPB 's help in righting this wrong. For reference, I have complained multiple times to BOK Financial via their online portal, submitted disputes with two of the three major credit bureaus, and plan on submitting an additional complaint in writing via mail to BOK Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Reason for disputes : There are 3 past due remarks on all 3 of the major credit bureaus. 
Date of remarks : XX/XX/2019 - XX/XX/2019 - XX/XX/2019 XXXX  has reported my account XXXX days late on all 3 major credit bureaus on the above dates. 

XX/XX/2019 payment made through my XXXX Bank account. Funds were denied because XXXX attempted to make 3 withdraws simultaneously without my authorization and the bank denied direct withdraws. Payment attempted again and made. 

XX/XX/2019 and XX/XX/2019 payments made through my XXXXXXXX XXXX Account were delayed due to a banking error ( see attached letters ) and subsequently with follow-up contact with XXXX  I was told that I would not be charged late fees NOR would XXXX report the activity to the credit bureaus.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This company makes it too difficult to update my credit report. This is cousing me stress. I haven't even began to dispute All the inaccurate information they are reporting. I was just trying to get my personal information corrected and updated. This all started On XX/XX/XXXX, I pulled my report and noticed my personal information was outdated. On XX/XX/XXXX I drafted a letter to Transunion asking for my personal information to be updated. My job information, current address, and name. I told them in this letter to Remove All other addresses, names, jobs, phone numbers because this is leaving me venerable to identity theft. Also those addresses were not deliverable by the XXXX. This is basic information that By Law should be fixed. I enclosed a copy of my ss, ID and a utility bill. All with my name and address consistent with what should should be reported on my report. On XX/XX/XXXX, I received a letter saying " This is not you, you need to send us proof, a copy of ss card, utility bill and ID ''. On XX/XX/XXXX, I sent them the same information, ID, utility bill, and ss card, as they requested. The same information I Already sent. I should not have to repeat this same situation waisting money and my time. Yet again, On XX/XX/XXXX, they sent me another letter, this time with the report and no updated information. I am overwhelmed with this company. If it's this hard and difficult to just clean up my personal information, I can't imagine what it is like for other issues. This company acts as if they don't have to follow the laws that govern them. I demand, if they are reporting information that could harm people 's lives at least report properly.

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 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter regarding inaccurate personal information, negative accounts and XXXX late payments reported on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all 3 bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am STUCK for something they reported inaccurately!!! 

Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account XXXX : XXXX Account XXXX : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXXXXXX XXXX  Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX XXXX BANK CARD SERVICES Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Inaccurate payment history reported, REMOVE Two - 30 Day Past Due remarks reported immediately ( XXXX, XXXX & XXXX, XXXX ) I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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: GA

Complaint narrative:
I sent a letter regarding inaccurate personal information, negative accounts and 2 late payments reported on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all 3 bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am STUCK for something they reported inaccurately!!! 

Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

Account Name : XXXX XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX XXXX  Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX XXXXXXXX XXXX  CARD SERVICES Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXXXXXX XXXX XXXXXXXX Account NumberXXXX Inaccurate payment history reported, REMOVE Two - 30 Day Past Due remarks reported immediately ( XXXX, XXXX & XXXX, XXXX ) I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have paid full amount to XX/XX/XXXX credit services which is the third party collection company that the original creditorXX/XX/XXXX are using. I have disputed the account and provided the evidence that was paid in full to the 3 credit bureaus and the results came back as " partially paid '' from account balance which is incorrect. They have told me to contact the lender which I have and they told me the account is settled so I do not know why the credit reporting agency is have inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX XXXX and TD bank has been sending me collection notices in the amount of {$1200.00} combine the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I have sent over court documents showing that I owe a XXXX balance, several times and the debt collector is refusing to remove this inaccurate information from my report! This matter needs to be addressed, and rectified, as it is causing damage to my credit, and reputation.

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 2022-05-05 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: FL

Complaint narrative:
Reason for disputes : There are XXXX past due remarks on all XXXX of the major credit bureaus. 
Date of remarks : XX/XX/2019 - XX/XX/2019 - XX/XX/2019 COAF has reported my account XXXX days late on all 3 major credit bureaus on the above dates. 

XX/XX/2019 payment made through my XXXX Bank account. Funds were denied because COAF attempted to make XXXX withdraws simultaneously without my authorization and the bank denied direct withdraws. Payment attempted again and made. 

XX/XX/2019 and XX/XX/2019 payments made through my XXXX Checking Account were delayed due to a banking error ( see attached letters ) and subsequently with follow-up contact with COAF I was told that I would not be charged late fees NOR would COAF report the activity to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX, XXXX, XXXX, and LCI have deeply failed me. These companies have not responded to my disputes over the last 60 days. There is an inaccurate bankruptcy that is reporting on my credit report that I am in immediate need to address and correct. The bankruptcy should not be reporting on my credit report at all. Please help!

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 2022-05-05 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: IL

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  account number xxx ***, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

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