vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had a XXXX balance on my Capital One card since XX/XX/2021. My account is restricted, and I can not use the card. If Capital One will not allow me to use the card with an account that has not gone into collections, this account is of no value to me. It continues to hold derogatory remarks on my credit report. I have done my due diligence to bring the account to XXXX  balance with a {$1500.00} limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: MO

Complaint narrative:
Capio partners calls repeatedly every day. They claim there is an old medical debt that is two years old. I have asked them to verify the debt or stop calling but they have not verified it and continue to call. I've had enough and they called today asking for personal information. I ask what this is regarding and they tell me a personal matter and hang up. I've called back several times and get hung up on everytime. Eventually I was able to speak with a supervisor that did not hang up on me and I paid the bill to try and stop them from calling. I still don't believe I owe that debt as I do pay my medical bills

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EMI Equity Mortgage, Inc.
State: PR

Complaint narrative:
Equity Mortgage loan # XXXX is charging me hazard Insurance but I have hazard insurance on my home which I pay monthly insurance policy MPP - XXXX with XXXX XXXX XXXX XXXX. I just noticed that my escrow account is collecting this amount from my Mortgage payment every month. They have been charging me {$480.00} annually since 2014. I just notified them of the fact they seem to not accept their mistake. My Insurance company sent them a letter of verification providing proof that I have had hazard insurance on my home since 2014. Equity Mortgage has not return the excess amount charge to me. I have provided them with letters requesting a refund for their mistake.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: UT

Complaint narrative:
I contacted Genesis Credit Management/ Columbia Debt Recovery requesting information about a collections debt that was placed on my credit but I was never advised I owed an amount. The XXXX XXXX rep XXXX advised there were emails sent to XXXX but there were not any emails sent. XXXX then advised due to COViD in 2020 all collections attempts were paused. They did not receive my debt until XX/XX/2020 so there were no collection attempts after an employee advised there were and the balance has gone up since it hit my credit. I was told over the phone by XXXX a XXXX XXXX agent that she would not do a direct dispute due to me not being their customer. I am trying to rectify this account but the company is not giving me the ability to do so. 
They are also showing on my credit twice as two different companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion dispute File number XXXX Submitted on the XXXX of XXXX. no communication on the XXXX of XXXX. 30 days has past time limit expired. Please delete as required. 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 2023-02-16 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: CT

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX  Account # 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 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.

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 2023-02-16 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: CT

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX  Account # 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX was the first time claimant responded to statements and letters of debt via certified mail number XXXX XXXX XXXX XXXX XXXX. The contents of this letter included a fair notice, coupon/money order from statement dated XX/XX/XXXX, and a notice of liability fee schedule. All the items were accepted via a signature from an authorized agent of the company. The amount the statement was for the total balance of {$18000.00} USD, which I endorsed with my signature in order to make it a negotiable instrument. To my knowledge that makes any " debt '' claimed by CARMAX AUTO FINANCING to be offset, discharged and or paid off. Despite my lawful actions to settle this debt, I was still being harassed by agents of the company via phone calls, emails, and letters threatening to take my private property. Claimant sent two more letters dated XX/XX/XXXX, and XX/XX/XXXX informing CARMAX AUTO FINANCING that per 15 U.S. Code 1692c which states that without the prior consent of consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. These notices also informed the company that I am not a statutory person and I Am in fact a Private person. Article 1, section 10 of the constitution clearly states " All debts shall be payable in gold or silver coin ''. So seeing that I have never been officially " paid '' ( silver or gold ) before, how is one expected to pay any debt? All notices sent to CARMAX AUTO FINANCING requested that the company provide proof that I am in fact an agent of CARMAX AUTO FINANCING who took an oath of office and is or was performing the duties of that oath. I never qualified for the loan in the first place according to Title 26 U.S. Code 2701.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello, The Truist Bank implemented an " improvement '' to their systems on XX/XX/XXXX. This resulted in the loss of access to my account and the mobile services they offer. I can no longer access my account, view funds, or make withdrawals. I have attempted to contact my local branch AND the corporate branch office. 

The account has been active for over 15 years, so I'm unsure why their systems have not been fully patched to allow access after 2 weeks of maintenance.

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 2023-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
At Select Servicing Portfolio we went on a COVID 19 forbearance plan. When it ended they demanded a lump sum to make up for the plan. I applied for assistance through their assistance program and they denied it for a modification with no explanation as how they arrived at their decision. Our housing counselor reviewed the response and helped us with the appeal. We asked for specific information about how they came to their denial. We are not asking for a principal/interest reduction only that payments resume as they were before the forbearance. 

Also one thing I noticed is that they have our income at {$1300.00} per month but we estimated about {$2400.00} per month in income. That could be the reason it is being denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One put a hold on a secured credit card that had a credit balance. Acct : ending in XXXX. The charges were ones I had made every month so they were not new or unusual. One of them was for {$1.00}. They failed to notify me and I almost lost my car, health and dental insurance The problem was that they hadn't closed an account I had four years earlier and had a land line on the account and couldn't change it because their phones couldn't text to my cell phone. All the problems started and ended with them. I receive texts all the time so it wasn't my phone and no other vendor has problems texting me. 

I had tried 3 times before to fix this and had spent hours on the phone. This time most people weren't fluent in English and the accent was so thick I could barely understand. I am semi-fluent in Spanish but even their Spanish was hard to understand. When I asked for a supervisor they refused to transfer me and kept repeating that they would take care of it I had to call back 4 times just to get someone that spoke fluent English. 

I spent over an hour on the phone was transferred 6 times and had to repeat the same thing 6 times so I closed the card. 

I even wrote a letter and asked to refund the {$1000.00} that I was owed. 

I am still waiting for the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
So currently my account I have been permanently deactivated because of some sort of account violation, that I did not commit. I have funds still in my Venmo account but I am unable to receive my funds for 180 days. This is so unacceptable I would like for my funds be released to me and for my account to be deactivated.. I just want my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am submitting this to the CFPB to make them aware of this conversation last night with Comenitys specialized team. 

XXXX XXXX said she would make a fair compromise when it came to my accounts because of continual issues with their online payments. I did do what they told me to do with one of my comenity accounts and try to make a minimum payment. When there was an error with the website timing out and going blank, I emailed the specialized team saying theres an issue with the site. 

I have attached the email of what XXXX XXXX saying she was going to do, that never happened. 5 accounts were not adjusted like she said they would be. 

XXXX XXXX is now claiming they cant make those adjustments. I believe they can. This last chain of emails I received are not acceptable. 
This is simply gaslighting and I feel is retaliatory. I have been dealing with comenitys issues for 8 months. And so have many other customers. And instead of taking accountability, once again Im blamed for everything. 
Comenity and reps, I do not control your systems. I do not control your phones or computers. 
I will not accept any abuse or gaslighting. I have attached the emails from last night.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/31 username and password were changed for online Wells Fargo app. Ive called Wells Fargo branch a few times now and they cant seem to help me, Always transferring me to someone else to help and then say I dont have enough information, My wallet is stolen I dont know the information. XXXX from savings depleted and XXXX debt on credit card.

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 2023-02-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I tried to create an online account with Equifax to add/remove fraud alerts and security freezes. The online portal failed to create the account and directed me to call customer service. Customer service tried to create an account over the phone. The agent was a foreigner and did not transcribe the information correctly, and when I went to sign in online I couldn't be authenticated. I called again and they tried to authenticate me using a mobile app that takes pictures of photo IDs, but this failed ( the IDs are glossy and designed to resist casual photos ) and the agents got upset that I'm wasting their time (! ). I've wasted hours trying to fix these issues and it seems like they don't even want to help me now. I can't even order a free online credit report ( via XXXX ) to see what info is wrong because the online Equifax portal is gatekeeping access to that too. I've been able to create and maintain accounts at XXXX and XXXX without issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My XXXX  check written for {$4300.00} was cashed not by company I wrote it to and I tried stopping the check and XXXX put in a claim with Bank of America on XXXX and Bank of America refuses to respond

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 2023-02-16 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: TX

Complaint narrative:
I submitted a letter to them but I never receive any response or notification on what happen on the investigation they were suppose to do regarding the accounts I mentioned on the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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 did not authorize this company to do any hard credit inquiries. I have nothing to do with them or did not apply for anything in the past 60 days with any company.

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