vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I have been receiving numerous calls a day from this company ( XXXX XXXX XXXX ). I understand the law states a debt collector is allowed to call 7 times over a span of 7 days, however, I am receiving XXXX to XXXX phone calls every day of the working week. The company is also calling my wife, who is not on the contract, numerous times a day during the work week. I am not sure how they obtained my wife 's number and the phone calls are affecting both of us at work. I have screenshots to prove the excessive phone calls. The payment they are seeking was not even 30 days late!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I was given this code " XXXX '' when I tried to open a new XXXX  account. I am unable to find out what it means

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 2023-01-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
TransUnion doesn't like to respond to my dispute ( XXXX ). The other bureaus deleted immediately upon investigation TransUnion just responds ( if at all ) with generic XXXX. response letters about not understanding what I want. It is sad that i've had to send SO MANY LETTERS I actually know what the letter will say before I open the envelope - and it won't be about the investigation they did but the XXXX investigation they failed to provide this consumer.

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 2023-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One assessed interest on my account for a late payment. The statement balance of the late payment was {$2400.00} at a 27.15 % annual interest rate, or 0.07 % daily interest rate. Per the senior account specialist, the balance is calculated based on the beginning daily balance plus new charges plus interest charges on previous daily balance minus payments and credits. The resulting interest for this late payment was {$71.00} on XX/XX/XXXX was for the XX/XX/XXXX - XX/XX/XXXX billing cycle. On XX/XX/XXXX, I realized I had missed my payment and paid the balance in full. However, on XX/XX/XXXX, I was charged another {$26.00} in interest and the agent stated that this was for new charges for the XX/XX/XXXX - XX/XX/XXXX billing cycle because my account was set to accrue interest. 

My concerns are : 1 ) While I was talking to the customer service agent, she stated that the XXXX interest balance was ~ {$3200.00}, which was close to the current balance on the date that interest was charged. Why am I being charged for {$800.00} in new charges that I am not obligated to pay until XXXX? 

2 ) Capital One would not tell me exactly how the interest was charged. When I asked for the calculation, the customer service agent and senior account specialist stated they had provided me the details of how it is calculated per the terms and condition, but that Capital One does not provide the actual calculation. The senior account specialist said she would put in a ticket to get that to me. If I order food from a restaurant, I am provided a receipt of the charges including food and drinks order, taxes, and service fees. I am obligated to pay and I have the right to know what it is I am being charged for. If I am being charged for something, why would I not have the right to see how it is calculated? 

XXXX ) When I asked for the transcript of the conversation to include for this report, they would not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom it may concern : On XX/XX/XXXX I checked my most recent credit report provided by Equifax and was surprised to find a hard inquiry that I did not recognize or authorize. As reference please see the inquiry below : XXXX on XX/XX/XXXX I am hereby notifying you that I have never authorized the aforementioned company to access my credit report. Additionally, I have never given XXXX my consent to furnish this information. This inquiry on my credit report is a clear violation of my consumer rights under 15 USC 1681b ( c ).

If you are under the impression that you lawfully furnished this information I am requesting you send me any evidence or proof to support your claim. Otherwise, I am requiring that you immediately remove the aforementioned inquiries from my credit report.

Thank you for taking the time to read this notice. I look forward to this matter being resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: SC

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 15USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  : # XXXX 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 record by more than XXXX 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 explanation
Consumer complaint received 2023-01-15 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: AZ

Complaint narrative:
To Whom it may concern : On XX/XX/XXXX I checked my most recent credit report provided by TransUnion and was surprised to find hard inquiries that I did not recognize or authorize. As reference please see the inquiries below : XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX  I am hereby notifying you that I have never authorized the aforementioned companies to access my credit report. Additionally, I have never given TransUnion my consent to furnish this information. These inquiries on my credit report are a clear violation of my consumer rights under 15 USC 1681b ( c ). 

If you are under the impression that you lawfully furnished this information I am requesting you send me any evidence or proof to support your claim. Otherwise, I am requiring that you immediately remove the aforementioned inquiries from my credit report. 

Thank you for taking the time to read this notice. I look forward to this matter being resolved promptly.

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 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I have multiple accounts XXXX Wells Fargo including a checking, savings, mortage and LOC. This morning I logged on an paid XXXX bills, and transferred money from my LOC to my business checking account. In order to do so I was sent a code via text which I entered to effectuate the transactions. 

Nonetheless, afterwards for no reason my account access was frozen on the ground of " unusual activity ''. But there was no " unusual activity '' : I went on line, was verified and made several transactions to pay bills and to transfer money from my LOC to my business account. 

I am not sure what is happening at this bank but it seems highly unfriendly to its own customers like myself. There is no legitimate reason for the bank to have restricted access to MY ACCOUNTS necessiating me to call monday morning to clear up an issue the bank created. 

I'd like for you to investigate the basis of why my on line access was frozen. 

Thank you 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 2023-01-15 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: CA

Complaint narrative:
in accordance with fair credit reporting act accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated myrights 15 USC 1681 SECTION 602 A states i have the right to privacy.

15 USC 1681 SECTION 604 a states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B A CREDITOR MAY NOT TREAT A PAYMENTON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
Car was purchased and salesman deceptively added on two packages saying they came with the car already. I have package that does not work. XXXX doesn't exist. I have tried to call and email them, even Toyota has tried to call them only to be sent to voicemail from two different phone numbers. The website they created to submit a claim only responds with an error 500 code. I don't even think they applied the XXXX to the car because unlike the product advertises " Our hydrophobic chemistries are specifically formulated for maximum stain protection on leather/vinyl surfaces as well as fabric/carpet ''. There was a water spot stain on my seat on the first day I received the car. Again, the stain was already in my seat and the dealer said I could contact XXXX to fix it. Its been over 2-3 weeks and all Toyota financial has done is say they will call me back and then never call. I just want my money back for this bogus package that wasn't even applied to the car and doesn't work. There was also an employee there who sent an inappropriate picture. At this point we have begun research on looking info auto fraud. If that is the only way that we can actually achieve a resolution for this situation, with this picture we probably can get the entire car paid off. Is that what you want Toyota, I'd love it for you to pay off my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: IL

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-01-15 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: IL

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX  XXXX Auto Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # 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 2023-01-15 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: VA

Complaint narrative:
Equifax is NOT going by Metro2 standards and procedures and is reporting information on my report that does NOT follow guidelines under METRO2 LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: SC

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 15USC 1681. 

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 XXXXXXXX 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 record by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15 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: SC

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 15USC 1681. 

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 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 record 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 2023-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.
State: FL

Complaint narrative:
From XX/XX/XXXX, XXXX XXXX, 2022 XXXX a recent widow, at age XXXX, I responded to a XXXX notice of payment. XXXX XXXX, at XXXX, told me I was being hacked, and to call my bank, XXXX XXXX XXXX. I called the number on the back f my debit card and asked for the fraud department. The fraud XXXX at XXXX  XXXX XXXX indicated that someone at my branch had sold my identity. I was not to trust anyone there. I was also told that telling anyone about this would put my children at risk since the hackers knew everything about us including where my grandchildren went to school. I did not know that the hackers had spoofed the bank phone number. 
My computers and phone were hacked. Without my authorization, these people emptied {$250000.00} from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for {$250000.00} and XXXX XXXX  for {$100000.00}. The hackers created a new links using all my identifying information. Most deposits and withdrawals were done by a linked XXXX  XXXX XXXX account. I was never notified that there was any large activity in my account. The hackers created an account in my name at XXXX  XXXX XXXX where they siphoned funds from my linked bank accounts to their account. I wasn't notified that a new account was created, and XXXX  XXXX XXXX is culpable in the amount in those XXXX XXXX  Accounts of {$450000.00} For XXXX months, I was terrorized, metaphorically held XXXX with veiled threats of being followed, putting my children and grandchildren at risk. Since this shell game was done by entering my computers and phone, it looked like I had moved the money when in fact they ROBBED me of {>= $1,000,000} ( XXXX XXXX XXXX XXXX XXXX dollars ). 
I have a police report, FTC case number, FBI Report, a XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida Attorney General and I will continue to add more such as XXXX for their sponsorship of XXXX by XXXX XXXX who has been the biggest, most rude and negligent of all the banks. 
I have been financially XXXX. I do not leave the house, I don't answer the phone, I have lost trust in the system and the hackers are winning when the bank personnel really don't investigate and don't protect their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: SC

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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX ( XXXX ) : # XXXX, XXXX XXXX ( XXXX XXXX ) : # XXXX, XXXX XXXX  ( XXXX XXXX ) : # XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX XXXX 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 record 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 explanation
Consumer complaint received 2023-01-15 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: SC

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 15USC 1681. 

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 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 record 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 2023-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
XXXX and XXXX sued me and submitted a fraudulent affidavit of service. I found ripped, soaked parts of the summons and complaint in a mud puddle outside of my home. I initially thought that is was only litter since it was in a literal mud puddle but then I saw my name on it. They subsequently sent me an affidavit of service as part of the lawsuit that was fraudulent. I was not even in the state on the day that they claimed I was personally served in the lawsuit. They use sewer servers in hopes that defendants will not receive the summons and complaint so that they can just get a default judgement without due process.

Company response to consumer: Closed with explanation