vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Climb Credit Inc.
State: CO

Complaint narrative:
I have reached out to both Climb Credit and XXXX  and have spoken on the phone with agents from each company more than XXXX separate times. I have made on time payments for the months of XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. Climb Credit continues to report failed or missed payments for XXXX, XXXX and XX/XX/2022. XXXX is now reflecting as on time but I still need XXXX, XXXX and XXXX updated. The agents I have spoken with in the past have told me to wait until the new month and all would be reported correctly but I have now waited 2 months with no resolution. I reached out to Climb Credit via their website chat and was told to open a dispute with XXXX, I created a dispute with XXXX twice and the payments are still reflecting as late for XXXX and XX/XX/2022. I am looking to buy a home soon and need this resolved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
My Capitol One XXXX account was paid off by a third party on XXXX XXXX, XXXX, and I closed the account. There was a refund balance of {$53.00} left in the account. I was informed that it would be refunded to me by check in 4 cycles. The on line account showed that I was refunded on XX/XX/XXXX. I never received the check. I called and was told the check would be cancelled and reissued and I would receive it in 15 working days. I did not receive it. I have called 4 times now and received the same information. I would receive it in 15 working days. I do not know what else to do. It is not a huge amount of money and I do not understand why they will not send it. I closed my Master Card account with them the same time and I received that refund check just fine over ten days ago and it was issued almost two months after the XXXX  check. 
I just want my refund. I think the banking practices also need oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Flagstar Bank, N.A.
State: LA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: OH

Complaint narrative:
There are inquiries on my credit report from results of a data breach or identity theft. These are the dates of accounts on my transunion credit file XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are the dates and accounts on my XXXX profile XXXX XX/XX/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 2022-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank accepted a {$50000.00} Electronic Fund Transfer without hesitation. Upon attempting to transfer these funds to an external account, I discovered that US Bank arbitrarily places a {$5000.00} per day limit on external transfers. When inquiring with Customer Service, I was advised " there is no way to transfer funds in excess of the limit '', and was advised I could ONLY wire the funds ( in excess of the {$5000.00} daily limit ) for a {$30.00} fee. The customer service representative spoke with identified herself as XXXX. I asked XXXX to ask for an exception, she attempted to transfer me to a supervisor named XXXX. XXXX advised XXXX " was in a meeting '' but would call me back by the end of day. There was no call back. 

This is an arbitrary limit placed of funds to retain the funds, or to secure additional fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MN

Complaint narrative:
Every time I call they put me on hold for over an hour. One person says he can help me and then he puts me on hold and does not get back to me. I have a simple question. Where am I at with my PSLF application? For some reason nobody can give me an answer and they continue to put me on hold after I actually talk to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2022, I logged into the Truist banking app for the first time to make my first auto loan payment. The first payment had a due date of XX/XX/2022. When I looked up my loan on the app to make the payment, I noticed that the due amount by XX/XX/2022 was double the monthly payment. I then pulled up the statement to confirm that only one payment was due and the statement did confirm that one payment was due. Confused as to why the information provided stated that a sum of two payments was due by XX/XX/2022, I reached out to a bank representative via the chat function. They advised that only one payment was due by XX/XX/2022. I asserted that the figure that was displayed as due by XX/XX/2022 was the sum of two monthly payments and that was incorrect. I was advised that once I made the XXXX payment, the payment amount would updated to display the upcoming payment for XX/XX/2022. Again I asserted that the sum due by XX/XX/2022 was inaccurate and can be misleading. I asked to file a complaint and requested a follow-up to my complaint. I was advised that I would hear back within 3 days. I have yet to get contacted by Truist regarding my complaint which makes me wonder if the complaint was filed. As a 20+ year XXXX XXXX, I was smart enough to not make the XXXX payment with the XXXX payment. Some consumers may trust the information displayed is accurate and the additional payment may be applied with the XXXX payment as additional principal. My complaint is that the sum due displayed was inaccurate and deceptive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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 following accounts have violated my rights. 
XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that 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 2022-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
It was brought to my attention during a refinancing process that i have a second mtge with ALLY Bank. Upon contacting Ally, bank, they were unable to tell me how they got the mortgage and was asked if i wanted to make a payment. I was surprised as i did not at anytime had any dealings with ally. Had to pressurize ally about the existence of this mtge before they could tell me it was sold to them in 2014 and unsure who sold it to them. My issue is why i was not contacted and why up till date i did not recieve any billing statements from ally. I am unable to get a straight answer, nor the company handling my refinance I also did not recieve transfer docs that they recieved from this other company who sold the mtge Ally had prevented the refinance from moving forward as i now have $ XXXX on my name that Ally did not keep me abreast of.. My current mortgage company was not aware of this mtge. I know my mtge did changed hands but i was under the impression that the complete mtge was transferred to current lender. 
Thankyou

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: C/C Financial
State: LA

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
My name is XXXX XXXX I am a former amex  XXXX of 6 years and was separated from the company in XXXX. 

I am currently in the interview process for a XXXX role that seems to be held up in the HR ecosphere. 

Additionally I took all the knowledge I learned while at AMEX and started a small business just as we are instructed to do : ) XXXX XXXX XXXX is a XXXX XXXX Studio located in XXXX XXXX XXXX. Last year -Opening in XXXX of XXXX during the pandemic we did XXXX in revenue in just 3 months of XXXX. In XXXX - we grossed {$54000.00} all reinvested into the business. This year we are on track to do XXXX which puts our growth margins just under 20 %. 

My dream was always to have an Amex card- I would be jealous of colleagues that would pay with them in the cafeteria of XXXX XXXX XXXX XXXX. So when I received an offer for the business platinum card, I was in awe. This was the XXXXXXXX XXXX XXXX XXXXXXXX. 

At the same time I applied for my small business platinum card utilizing my business EIN guaranteed by my personal income, I also applied for a personal card. 

As a XXXX card holder since XXXX I had always wondered why that card limit never increased above XXXX but I continued to hold the card because of its value. 

Today after XXXX hour and XXXX minutes on the telephone- I was told by underwriting, and XXXX XXXX my SMALL BUSINESS platinum card ending in XXXX is only pulling my PERSONAL credit. And that the XXXX action on my account to suddenly enforce a limit of XXXX while Have an XXXX limit could not be changed. 

As a small business customer care professional- I would always transfer customers to credit that had an XXXX XXXX to have 1 time charges approved, or open up their lines because they were on vacation and couldnt make a payment until they returned. 

However- when I asked for the same experience as a BUSINESS owner I was denied. I would hate to believe that this is due to my complexion - or XXXX. I cant imagine a company as illustrious as American Express would treat one of their own so horribly. It is my hope that you all as my internal amex community can help to resolve the issue of my impending job opportunity and my limited amex platinum card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: OH

Complaint narrative:
HERE ARE THE OTHER COMPANIES THAT ARE SHOWING AS HARD INQUIRIES ERRONEOUSLY ON MY CREDIT REPORTING : 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 non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXXReceived an invitation via email to apply for a credit card, I applied and received an approval for a secured credit card. The approval required a deposit to secured the line of credit and the credit limit will be equal to the deposit amount. 
XXXX XXXX I wired {$200.00} to Capital One and opened the account XXXX and XXXX Utilized the card and make payments promptly to keep a low balance and be able to reestablished my credit. 
XXXX XXXX CAP ONE CLOSED OUT THE ACCOUNT without notice. I had just made a payment which put the account back to a {$0.00} balance, this payment was made on or around XXXX. 
XXXX XXXX I learned the account has been closed. I called them to learn why the account was closed. The representatives keept transferring and I was not able to get an answer. I let it go, and ever since I been waiting for my security deposit to refunded. 
XX/XX/XXXX : I called again wondering why they closed out the account and wanted to check the status of the refund. The representative I spoke with told me the account was credited on XX/XX/XXXX and has a balance of XXXX, a positive balance. The refund was not processed. I escalated my request and updated my mailing address. He said it will be mail to me. 
XX/XX/XXXX : I just got off the phone, this will be my XXXX or XXXX attempt to get to the bottom of the closed out reason and the status of my money. I just learned that it has not been process. REF : QUICK SILVER CARD XXXX # XXXX THE MONEY OWED {$200.00} I feel mislead and the offer is all about taking your $ , keeping the $ $ and closing out the account with no reason. Is this a way to raise $ $ at bad credit people 's expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
After almost a year after closing on our refinancing, Rocket Mortgage/Quicken Loans is asking for updated financial info based upon their Compliance Agreement which says from " time to time '' they can ask for updated info, which, we believed this to mean during the time in between applying and closing. Not almost a year after closing. We did turn in our leased car and bought a car during that time, but the amount was the same and it was two months prior to closing.and was verbally passed onto Rocket Mortgage. 

Do they have the right to peer into our finances at this late date, a year after our closing?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I am trying to get my mortgage loan servicer to follow the XXXX XXXX XXXXXXXX XXXX that they themselves have attempted to quote for the reason they have denied my PMI deletion requests. I am trying to get PennyMac, my loan servicer to follow through with PMI deletion based on current market value of my home, utilizing a BPO for my home. They keep rejecting my claims, saying it does not exceed the requirement for original market value andor claiming i am citing repairs to my home instead of improvements. i have made ~ {$6300.00} in improvements since closing on my home and they are claiming they are repairs or " not significant enough ''. please help me get them to remove my PMI on my loan. i am 100 % current on all payments, no late, and XXXX credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have reached out to both XXXX XXXX  and XXXX  and have spoken on the phone with agents from each company more than 5 separate times. I have made on time payments for the months of XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. XXXX XXXX continues to report failed or missed payments for XXXX, XXXX and XX/XX/2022. XXXX is now reflecting as on time but I still need XXXX, XXXX and XXXX updated. The agents I have spoken with in the past have told me to wait until the new month and all would be reported correctly but I have now waited 2 months with no resolution. I reached out to XXXX XXXX via their website chat and was told to open a dispute with TransUnion, I created a dispute with Transunion twice and the payments are still reflecting as late for XXXX and XX/XX/2022. I am looking to buy a home soon and need this resolved as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I have reached out to both XXXX XXXX and UAS and have spoken on the phone with agents from each company more than 5 separate times. I have made on time payments for the months of XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. XXXX XXXX  continues to report failed or missed payments for XXXX, XXXX and XX/XX/2022. XXXX is now reflecting as on time but I still need XXXX, XXXX and XXXX updated. The agents I have spoken with in the past have told me to wait until the new month and all would be reported correctly but I have now waited 2 months with no resolution. I reached out to XXXX XXXX via their website chat and was told to open a dispute with XXXX, I created a dispute with XXXX twice and the payments are still reflecting as late for XXXX and XX/XX/2022. I am looking to buy a home soon and need this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
I contacted XXXX XXXX XXXX but they were unable to identify my account and to give me an answer ( the correct amount of my debt and when the last payment was made ) .My ex husband used to make payments but then stopped. I asked XXXX XXXX to apply for a financial aide but I never got a reply. 
I sent 2 emails to Paragon Revenue Group, however they never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: 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.

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 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. 

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 XXXXXXXX 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 response to consumer: Closed with explanation