vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 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 am a joint owner on my mother 's checking and savings accounts with Capital One. The accounts were locked by Capital One on XX/XX/2023 after I notified them my mother had passed away. 

On XX/XX/2023 I submitted the required documents ( notarized Letter of Instruction, death certificate ), I did not received any response until XXXX/XXXX/XXXX  when the Letters Testamentary were requested. I submitted the court document I received showing I am the executor of the estate and the personal representative for probate on XX/XX/2023. 

On XX/XX/2023 Capital One requested executor documents again, I responded asking what specifically I need to submit, I have sent everything they requested. These are also the same documents I used to close all other accounts for my mother with her other banks. They responded they would need to speak with their legal department. 

It is now XX/XX/2023, I have not received any additional response from Capital one. When I call customer service I am told the estate department does not have a phone number, only email. They do not respond to email. Currently they are holding all money in the account and will not allow access or closure of the account. I can not get in touch with anyone at the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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, 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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, 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.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Per the Privacy Act of 1974 and 15 USC 1681b- permissible purpose, all 3 credit reporting agencies ( XXXX, TransUnion XXXX XXXX ) are in violation of my federally protected rights by reporting child support on my consumer report AND in my credit file. Child support payments and collections are NOT extensions of any credit, purchase money loan, installment loan, or other consumer transactions and should be removed from my consumer reports AND credit file. This is also in violation of UDAAP, FCRA, and FDCPA.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX, Transunion, XXXX, XXXX have violated my consumer rights under the FCRA because they are reporting inaccurate data about me even after I disputed the inaccuracy. XXXX XXXX, Transunion, XXXX, XXXX are reporting a closed account since XX/XX/XXXX as an open account in XXXX. XXXX XXXX, Transunion, XXXX, XXXX are also reporting an inaccurate balance of {$2600.00}, intentionally increasing score damage and hurting my debt income ratio. Attached is a copy of my most recent credit report for your viewing. Please see the " balance '', " date last active '', and " date of last payment '', " comment '' section.

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 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX and withdrew {$1000.00} from an atm. I then drove up to the Capital One Gateway Overlook Branch ( XXXX XXXX XXXX XXXX ) ATM and attempted to make a deposit of {$1000.00} in cash sometime between 4:10pm and 4:30pm. After submitting the cash ; the ATM went dead. I immediately went inside to speak with a branch manager but none was available. 

I was advised by a branch ambassador/teller named XXXX XXXX XXXX XXXX can't do anything and that I would need to contact the claims department. Contacted the claims department while in the bank. 

I was given a provisional credit pending investigation. Fast forward my account is negative {$950.00} and I just learned that the credit was reversed. According to the written notice I received, I was advised that a partial credit of {$50.00} was given to my account while {$950.00} was denied w/ no other details. 

I then contacted them and requested that I be provided written documentation of the investigation process. I have yet to receive the documentation. I called today XX/XX/XXXX to follow up and I was advised I would receive documentation. When I asked about the investigation process and requested to speak with a manager They basically stonewalled me. 

I requested an appeal which they stated I would have to wait 15-20 days for results. I was told I can't email a manager. I'm not allowed to have a manager 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX I have requested change of password and to inquire about the account via the website which claims I max attempts to change password. I then contacted the customer service XXXX several times being left on hold 30 plus minutes without any rep answering. BankMobile XXXX has numerous complaints against their company online. Unfortunately, this company is what many schools choose to bank with in order to give access to students for financial aid. Unfortunately the inability to access my account affects schooling. Please assist

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 2023-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
I have had a line of credit with Grain since XX/XX/XXXX as reported on my credit report. On XX/XX/XXXXXXXX  I attempted to login to the app and I received the following message : " Our system reviewed the identification details you provided and are unable to confirm your identity, as such were unable to onboard you at this time. 

Our inability to onboard you was not based in whole or in part on information obtained in a report from a consumer reporting agency and no credit score from a consumer reporting agency was obtained and used in making our decision. A consumer reporting agency played no part in our decision and is unable to supply specific reasons why we have denied to onboard you. 

Our inability to verify your identity was based in whole or in part on information obtained from an outside source other than a consumer reporting agency, which was not acting in the capacity of a consumer reporting agency. 

Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is : Office of the Comptroller of the Currency, Customer Assistance Group, XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX XXXX. '' I can not access the application to make a payment due to this message. Also, Grain, has not asked me to provide any proof of my identity and will not let me make a payment on the app or provide me a statement of the balance owed. Their phone number is just a recording with no option to speak to a person. Their support has not responded via email either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CB1, Inc.
State: MT

Complaint narrative:
Received letter on XX/XX/23 and the letter is dated XX/XX/23 stating notice of legal action. 

I called the collection agency ( XXXX collections ) on XXXX XXXXXX/XX/23 and spoke to XXXX at ext. XXXX asking to make a payment arrangement of {$250.00} and he advised he can't set up an arrangement because its past the date and will move forward with legal. I advised him that the letter states I can set up reoccurring payments but yet he is telling me I can't. He then asked of my husband 's place of work and I advised him absolutely not. asked him about the legal part of the letter and he said he can't discuss anything he can only take a payment. All he was saying is " hmm hmm '' and : ok : and was being very vague. I asked to speak to someone higher up than him which was XXXX XXXX which she was unavailable and I left a message. I told XXXX he cant not harrass us at our plaace of work so I will not be giving him the location. I also told him this is the first letter I received so I was I supposed to take care of this sooner if I have not received a letter, but he said they have sent several letters and left voicemails on my husband phone which he has not received. I am asking the appropriate questions and they arent giving me any information other than I need to pay immediately and if I dont then the legal action will just move forward

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 2023-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
The Company is LVNV funding LLC has a mistakrn credit report against me. For the amount of {$2200.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX  These report are not my doing and want them removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On or about XX/XX/XXXX, I inadvertently made an incorrect payment amount to XXXX. I contacted XXXX and was ultimately informed for me to file a dispute with Capital One. I did so and since then the credit in the amount of {$5000.00} with XXXX has been reversed. On XX/XX/XXXX, I was contacted by Capital one ( online portal ) that I would be re-billed for the full amount of {$5000.00}. At this point the {$5000.00} that I am being charged for is unaccounted for. Additionally, I also being charged for multiple items that have been returned to XXXX ( tracking already provided to XXXX XXXX Capital One ) and Capital One is refusing to continue with dispute ( XXXX ). I have previously filed a complaint with the XXXX in hopes to get a resolution, contacted customer service, contacted disputes department, contacted fraud department ( XXXX XX/XX/XXXX ), and I have also contacted the corporate office multiple times with no resolution ( XXXX ). A copy of this report ( CFPB ) will be forwarded to Capital One dispute department on XXXX XXXX XXXX  This type of activity is to be considered fraudulent because money and merchandise once again in not accounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
Opened credit card account with Barclay Delaware Bank to use for a Carnival Cruise. Was approved and they stated they mailed a card to my address, however, after a few weeks I never received a card and received an email from them showing a balance on the account. I immediately called them and reported I had not received a card and reported this as fraud, they stated they would investigate and send a new card. I received a new card but chose not to activate it, I received another email with a increased balance on the card. Called them again, stated they were still investigating. I ask them to close the account because I decided I did not want to deal with them and all the issues with the card. They stated they would close the account. I received a letter in the mail stating that the charges were verified to be fraud and I was not responsible for the charges. I assumed the card was closed and all was good. However, they have now reported this to the credit bureaus as I am delinquent on the account. I have contacted them several times to get this resolved but all they tell me is to wait 30 days and they will have it fixed. It never gets fixed. I disputed the credit bureaus and received letters from Barclay then stating it was being reported correctly and would not be taken off my report. I did not make these charges ; I live in Tennessee and these charges are in Indiana. I was going to hire an attorney but was told to contact you first. Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 USC 1681b Permissible Propose... It is a violation for credit bureaus & companies to report anything on your credit report without your written consent. I never provided any written consent to the credit bureaus or any of these companies to report anything on my credit report.To keep reporting this is identity theft ... Remove these accounts immediately from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I had a missed called from TSI ( Transworld Systems Inc. ) at XXXX XXXX  this morning and I called them back not knowing it was this company at the time, I talked to an agent and I asked them what this was regarding of and the agent told me a personal business matter so she asked me if I was XXXX XXXX and confirmed it was me and she then stated this was an attempt to collect a debt behalf of XXXX XXXX and she stated I owed this debt that is profane language used against and heres why because 1. The term debt means any obligation or ALLEGED obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment, not once did she validate this alleged debt. 2, I never gave this debt collector prior written consent directly to contact me pursuant to 15 usc 1692c which states Without the prior consent of the 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 ( 1 ) at ANY unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 2. Ive been receiving emails from this common which is inconvenient towards me on separate occasions. Im holding this company criminally liable for violating the FDCPA per 15 usc 1611

Company response to consumer: Closed with explanation