vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
Huntington is refusing to provide me a XXXX XXXX notice for held funds and they are also refusing to provide me information such as account balances and online banking access. They told me I am not able to use the account for upwards of 60 days.

Huntington is also not allowing me to make a deposit, or mobile deposit to the account and they are stating that they will charge me a fee if I do not make a deposit, even though I am willing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: CA

Complaint narrative:
Account shows several incorrect amounts of late payments. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Account is over XXXX years old.

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 2022-04-06 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: CA

Complaint narrative:
Account shows several incorrect amounts of late payments. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Account is over XXXX years old.

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 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
THEY ARE VIOLATING MY RIGHTS ATTEMPTING TO COLLECT A DEBT THAT IS NOT MINE. 

ACCORDING TO : 15 U.S.C 1681 SECTION 602. 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
this is again regarding " lonecare Mortgage ( XXXX XXXX XXXX XXXX  XXXX VA.XXXX  ) after the last complaint I filed some of the mistakes made by L/C were resolved, however the letter they sent me stating this is a written conformation we have received notice of error from XXXX, and if you have questions please contact Mortgage resolution unit XXXX ex XXXX sincerely XXXX XXXX XXXX XXXX so I called her 8 times left 4 messages to please return my call with no response so I called their home base # talked to whoever? told her the situation that I hadn't got a call back and could she please see what she could do and she said she would and call me back, that hasn't happened either. this has been since XX/XX/XXXX. The sad part of this situation is if they had not taken out two mortgage payments, that was made in last XXXX one made by their mistake the other I made as my regular monthly payment that started a chain reaction of nothing but pure XXXX for my wife and me, if they would just put the payment, they messed me up on at the end of the loan all could be solved so " no foul no harm '' they still expect me to make two payments they say to make the loan right, this isn't fair as I did exactly as the loan payment I signed to made monthly was done last XXXX. I don't know how much more stress I can take from these people

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 2022-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2022 I ordered a XXXX shotgun ( order # XXXX ) online from XXXX XXXX XXXX ( XXXX XXXX XXXX ). Payment ( {$490.00} ) was made via XXXX as per XXXX XXXX XXXX stipulation, from my bank ( Wells Fargo ). I received no confirmation and no shotgun. Several email inquiries were sent regarding the order status and they requested a photograph of the XXXX receipt verifying payment, which I sent. A delayed response again requesting another photo of the XXXX document. I have examined my bank transactions and discovered that the {$490.00} has been paid from my account via XXXX transfer. 
XXXX confirmation code : XXXX. On seat agent for XXXX XXXX XXXX listed as XXXX XXXX. XXXX payment info : XXXX Of note, the aforementioned website in question ( XXXX XXXX appears to have at least XXXX near-identical sister sites called XXXX XXXX XXXX XXXX XXXX : XXXX ) and XXXX XXXX XXXX XXXX XXXX ) having simply exchanged Store for Shop in the case of one and otherwise changed some website colors, banners and fonts. The overall scheme and insistent reliance on XXXX transaction appears to be the exact same. 

Actions taken : Contacted XXXX to report fraud and to attain information for the FBI 's IC3 Form. Zero progress was made with contacting XXXX. An individual can expect zero recourse by contacting XXXX for any situation resembling the above- it is a cul de sac of assistance. Of note, their online 'Report a Scam ' requests a " 12-digit PaymentID '', instructing the filer to reference their bank statement for this number. The number on my bank statement - confirmed via an agent of my bank- is 10-digits. You MAY NOT submit the form if it does not have exactly 12-digits thus creating a veritable XXXX deadend. 

Contacted Wells Fargo to initiate a fraud investigation Completed and submitted the FBI 's IC3 Form. 

Contacted XXXX to ensure that they are aware that their company name, logo and products were being used to defraud individuals.

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 2022-04-06 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: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.

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 2022-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC.
State: AR

Complaint narrative:
Today on XX/XX/XXXX I was contacted by attorney by the name of XXXX XXXX called and stated that this debt was owed by my father gave his birthday name address my mother 's email and told him that he owes a debt of {$13000.00} and that he has to pay it my father being in bad health gave the phone to my mother she then found out that this was a debt from a wreck in XXXX it has nothing to do with my father nor my mother nor my father 's phone number or email which he has contacted and stated that he owes the money he is in direct violation of the above mentioned laws I have been paying on this debt and have been in direct contact with the collector for them to use such tactics is intolerable and unacceptable I would like to have the complaint on file and also be known for any further collection he or the firm has to be null and void i will not allow my father who is in bad health to be harassed and it not go unpunished with that i hope that the tactics above mentioned covers the debt it's time these type of actions be held accountable ty again for the help in this regard

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 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I received an email stating suspicious activity on my account. I called into Capital One Bank and they told me I was accessing my account on XXXX different devices and that's illegal to do so they ended my banking relationship. I told them I do access my account on my XXXX phones in the home sometimes I have XXXX or the other with me. They said that didn't matter I cant do that. They closed my account and now are holding my funds. I have no monies available to me now and have to wait XXXX days for any funds to be mailed to me. They were rude on the phone about it. I have never had a bank do this to me. I have always been able to use my different devices and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My XXXX XXXX and XXXX XXXX cards were switched to Capital One last year ( XXXX ) I also had a Saks card and Capital One XXXX. 

Since XXXX I've received letters from Capital One re : the Saks and MC asking for " information '' they needed to update. So I called the number on the MC. They said the letter wasn't from Capital One and it was probably a scam. They said my accounts were fine.

A few months ago I logged onto the website and saw that the Saks card and MC were " currently restricted. '' Called Capital One again. They said they needed to " collect information '' for the account per federal law. Told them about the previous call when CSR told me the letter was a scam, They said she was wrong.

I updated the information and they removed the hold on the accounts. I thought my updated info would apply to all Capital One accounts since now it was in their system. 
Mais non. 

More letters! I thought I had already resolved the issue so I disregarded them. 
Forward to this morning : I logged onto the website and saw that the XXXX XXXX and XXXX XXXX cards are " currently restricted. '' Called Capital One ( again ) to ask about the restriction. Spoke with a XXXX I didn't understand. Transferred to another person I didn't understand. " Ma'am we are looking into it. '' Transferred 2 more times. Call time : 30 minutes and counting.

CSR told me I didn't respond to the letters. " We need to collect information about your account. '' Told her I called before and gave the information. " I can give you the information right now. Will that lift the restriction? '' Short answer : No.

They closed these 2 cards because I didn't answer the letter. 
" We also called you several times. '' Maybe so, but they never left a message. I get random junk calls all day long. How am I supposed to know Capital One is calling me if they don't leave a message? 

Now my accounts are closed. And they can't be reopened, because I'm past the 30-day response period. " Can I reapply? '' Chilly tone from CSR. " Well, you're welcome to do that if you want... I certainly can't stop you. '' That's customer retention right there. This wouldn't fly at my job.

Me to customer : I guess you can come back to our store if you really want to... I certainly can't stop you.

Manager to me : Sweetie, we've had some calls from corporate about you...

Also closing these cards has tanked my credit score. It's down by almost XXXX points. 
Thanks, Capital One!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: NH

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: NH

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 non-monetary relief
Consumer complaint received 2022-04-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
After receiving my credit report, I noticed inaccurate information being reported on my credit fileXXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX ) On XX/XX/XXXX I submitted disputes to Equifax, XXXX, and XXXX about the inaccuracies being reported and to have a thorough investigation done. They claim to have verified the accounts. How is this possible when there are missing account numbers, missing dates, reporting last payment of XXXX, XXXX XXXX but shows charge off at same time., past due amounts are missing. According to the FCRA, i have the right to a 100 % fair and accurate credit report. The information being reported across all three bureaus is inaccurate and therefore must be deleted immediately! If these accounts are not immediately removed from my credit report, I will be seeking litigation against Equifax, XXXX, and XXXX for violation of my rights under the FCRA. As I am inserting a copy of credit report with the inaccuracies circled, I feel as though a time frame of no more than 14 days is required to resolve these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2022-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America was served a garnishment order from a judge by a Sheriff 's deputy in XX/XX/XXXX. They failed to obey the order of Warrant in debt for a civil suit of {$5100.00} at that time and garnish their member XXXX XXXX XXXX accounts with them. Account number XXXX. Case number XXXX through the Commonwealth of Virginia in the XXXX XXXX XXXX XXXX. 
I was told by Bank of America they were not served until XX/XX/XXXX after XXXX XXXX XXXX death on XX/XX/XXXX. I have court documents to prove that is false because they were legally served in XX/XX/XXXX before his death and someone did not do their job at that time and follow through with the court order and now they are trying to cover it up with documents that are miss dated to XX/XX/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 2022-04-06 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: CA

Complaint narrative:
Three of my credit reports ( Transunion, XXXX and XXXX ) are reporting invalid information as it relates to an installment account I had with XXXX XXXX XXXX  XXXX. All of my payments were made on time and I was able to document this with XXXX XXXX as I made all payments utilizing online bill payment through my bank, XXXX. Once I provided XXXX XXXX  with the documentation from my bank showing payments were made on time they agreed to correct the incorrect information on my credit reports showing late payments. Years have now gone by and the derogatory information still remains. I have opened up disputes directly with all three credit reporting agencies and submitted the same documentation to them. After concluding their investigation they determined the dispute is not valid and have not corrected my credit reports. I even provided a copy of the emails from XXXX XXXX  where they acknowledged that my payments were not late and they would correct the incorrect information on my credit reports. I have exhausted all of my options and completed my due diligence on this issue. I now request the CFPB investigate this issue. 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 2022-04-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Three of my credit reports ( XXXX, XXXX and Equifax ) are reporting invalid information as it relates to an installment account I had with XXXX XXXX XXXX  XXXX. All of my payments were made on time and I was able to document this with XXXX XXXX as I made all payments utilizing online bill payment through my bank, XXXX. Once I provided XXXX XXXX  with the documentation from my bank showing payments were made on time they agreed to correct the incorrect information on my credit reports showing late payments. Years have now gone by and the derogatory information still remains. I have opened up disputes directly with all three credit reporting agencies and submitted the same documentation to them. After concluding their investigation they determined the dispute is not valid and have not corrected my credit reports. I even provided a copy of the emails from XXXX XXXX  where they acknowledged that my payments were not late and they would correct the incorrect information on my credit reports. I have exhausted all of my options and completed my due diligence on this issue. I now request the CFPB investigate this issue. Thank-you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
We consolidated our Student Loans into a spousal consolidation many, many years ago. We have been faithfully paying on them ever since. We did not originally qualify for PSLF because we were not under an income-based repayment plan. Since that condition has been lifted, now we STILL do not qualify because our loans can not be refinanced into a Direct loan because of our spousal consolidation into a FFEL loan. My husband and I both would qualify individually -- he has been working for a non-profit for 23 years, and I have for almost 11. But, because of our consolidation before PSLF was even begun, we do not qualify.

Company response to consumer: Closed with explanation