vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
At Capital One Bank we erroneous/fraudulent check ( attached ) was cashed against our account on XX/XX/XXXX. The check was washed ( and it was clear by the image ). We alerted Capital One about the fraudulent transaction on XX/XX/XXXX. We spoke with the fraud department on XX/XX/XXXX at Capital One and the Bank XXXX XXXX as well ( the bank the check was presented to for {$6000.00} ). 
Per our conversation with XXXX XXXX XXXX, the funds were not disbursed on their side because it was also suspected fraud. On XX/XX/XXXX, the fraud department at Capital One was not helpful at all. Although it was a clear case of fraud based on the check ( attached ) and XXXX XXXX XXXX 's determination, the Capital One XXXX department did not seem to care about our issue and acted as if we were bothering them. They would not provide us with a supervisor or last names, a timeline for recovery of our funds, or what we could do to speed up the process. During the conversation, they stated that we would receive an affidavit to complete to document that it was a fraud ( but would not tell us when or how long the process would take, even when asked directly ). We still need to receive the affidavit 21 days after reporting the issue and have yet to receive our funds back. Even though we explained that we needed the funds to cover our expenses and that we are also personal Capital One customers with substantial assets in the bank ( including our children 's savings accounts ), the fraud department was not affected by our concerns in the least. We also spoke to Capital One customer service on XX/XX/XXXX, and they put us on hold for several minutes while they tried to secure our affidavit from the XXXX Department. We were provided with the following case number XXXX. We still need to receive this affidavit that has been mentioned. 

We feel as if we are not being treated appropriately or fairly. The fraud department is treating us more like we committed fraud than if we were the victims. We want the affidavit, if necessary, and our funds back as soon as possible to cover our expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
This is an attempt to collect a debt that does not belong to me as a result of identity theft. I filed a complaint about this collection on XX/XX/22 because the collection company never sent a collection letter but added the collection to my credit report unlawfully, completely ruining my credit. No remedy was provided from your agency following this complaint although it was closed. I sent a letter to the company requesting a verification of their contract and authorization to collect this debt in an effort understand the basis of this collection, which appears to be for a hospital visit that I have never had, for services that I have never received. My request for this information and verification of the validity of this debt has been blatantly ignored by AArgon Agency which is a violation of the FCRA. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), I am allowed to sue a credit reporting agency for negligent or willful noncompliance. the failure for AArgon agency to respond and provide important information to verify this debt is illegal and punishable by a fine. This collection must also be removed from my credit report immediately. I seek a proper remedy to this complaint from CFPB requiring AArgon to provide verification of contract to collect debt as well as proof of FCRA Compliance.

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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I got approved for a {$500.00} Credit Card from XXXX XXXX. I have been using this card for a while until I noticed when it's time to make a payment I'm not able to. Every time I log on to the XXXX XXXX App it says " We can't access your account information right now, but we're working on it. '' I've even tried calling them to make a payment and after talking from XXXX person to another to get everything resolved they're not able to make a payment as well because my social security number is incorrect. It's under a different social security number. The company wanted me to mail them a copy of my social security number and my Drivers license to update my information on the account which I have done that but hasn't yet been resolved. As weeks and days goes by they are constantly sending me emails and letters stating that I have payments that are due by XX/XX/XXXX and I owe {$380.00} and I'm still not able to make any payments. My credit score has dropped and I've been having this issue since last year and it hasn't yet been resolved.

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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I got approved for a {$500.00} Credit Card from XXXX XXXX. I have been using this card for a while until I noticed when it's time to make a payment I'm not able to. Every time I log on to the XXXX XXXX App it says " We can't access your account information right now, but we're working on it. '' I've even tried calling them to make a payment and after talking from XXXX person to another to get everything resolved they're not able to make a payment as well because my social security number is incorrect. It's under a different social security number. The company wanted me to mail them a copy of my social security number and my Drivers license to update my information on the account which I have done that but hasn't yet been resolved. As weeks and days goes by they are constantly sending me emails and letters stating that I have payments that are due by XX/XX/XXXX and I owe {$380.00} and I'm still not able to make any payments. My credit score has dropped and I've been having this issue since last year and it hasn't yet been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EQUITY LOANS LLC
State: FL

Complaint narrative:
After my loan closing, XXXX did not fund my escrow accounts the amount from the HUD. They eventually paid the amount that was due for hazard insurance and property taxes but that put the escrow account into a negative balance then the escrows were reanalyzed and this increased my monthly payment by around {$200.00}. My loan closed in XX/XX/2022.

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 2023-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Had fraudulent use of my info with XXXX and capital one to open accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: MD

Complaint narrative:
I requested a quick loan of {$700.00} and found out after agree ment that it would cost me upwards of {$3000.00}. This type of lending is unauthorized in the state of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
My wife and I set up a joint XXXX  account with Citibank in XX/XX/2022. We used it for a bit, having problems with getting his XXXX  XXXX deposited. Just when we thought we had it figured out, and he began getting direct deposits there as well, we got a notice that the account was going to be closed ( mid XXXX ). 

Then XX/XX/XXXX we got an email saying that our information was incorrect and that our account was not being closed, and the XXXX we got an email stating that our statement was ready. However, we were unable to log into our account ever since they said it was closing. 

My wife called customer service to see what was going on, and it turns out that yes, they were closing it, and they said it would be XXXX days before we would get a check with the remaining funds in the account. We tried setting up several appointments for a phone call with a branch ( we live nowhere near XXXX ) and they never ever called at the scheduled time. Then, the end of XXXX, we got another notice that the account was being closed. 

So, we thought our account was going to be closed since XXXX, in XXXX we got conflicting information. We called and confirmed and they said, yes, you'll get a check in XXXX days. 

Well, then XXXX, XXXX, XXXX roll by. We call mid XXXX to see where the money is. They say they're so sorry and will send it in XXXX business days. Of course the Spanish help line can only do basic inquiries and the rest is done by Indians will such a bad connection that you can barely tell what's going on. We get transferred at least XXXX times per call, and are on the phone for almost an hour. They finally give us a case number and said that we can call and see what's going on. 

So, we wait. No check. Things get crazy busy, and we finally have a quiet minute to call again. We call after XXXX and no one can help me. I have my wife call, and they say the account doesn't exist. We get transferred a XXXX times again and she's on the phone for an hour trying to figure this out and telling a XXXX departments what's up. Finally, they assure her that the request has been approved and a check will arrive in XXXX business days. 

Today has been XXXX business days NOT counting XXXX XXXX 's observed. No check. We've been waiting now almost a YEAR to get our money back from his work and direct deposits, and when this first happened, having to get help with rent and other living expenses, since Citibank just froze the funds and decided to close the account.

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 monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
To whom it may concern : On Saturday XX/XX/23, I received a check from my attorney for {$14000.00}, and I made the deposit at my local Bank of America BrancXXXX here in XXXX, Co. The gentleman informed me that a third of the funds would be available on Tuesday XX/XX/23, but that never happened. I later discovered that my bank decided to place a longer hold on the check that was issued to me to be available on XX/XX/23 when the check was made by my lawyer who's bank is locally here in XXXX as well. Moreover, I spent hours calling their call center, and they kept hanging up on me, and so I decided to go to another Bank of America branch near my house, and they told me that I needed to go back to the original location where I deposited the money, and they can release the hold. Well the following day I did that, and that branch told me that they can not do anything, and I needed to contact my lawyer to place a stop payment, and have him reissue another check to me to cash it at his bank. Well that didn't sound right to me, so I contacted my lawyers Bank : XXXX XXXX, and they informed me that Bank of America had already taken the funds, and the check cleared on XX/XX/23. Afterwards, I went to another Bank of America, and their XXXX wasn't helpful at all, she said it was a federal offense for her to have the hold removed, and she can only help me this time which made no sense to me at all. Then I gave her my debit card and my drivers license, and she said she will verify the check for me by contacting XXXX XXXX. Well after wasting an hour at that Bank of America branch, she told me that XXXX XXXX  refused to verify the check, and there was nothing she can do to help me. 

Finally, Bank of America has wasted my entire week giving me false information, and misleading me due to them not caring about my needs by cashing a check that had already cleared on XXXX, and I believe that there is no reason for them to hold my check for XXXX weeks when my check had already cleared XXXX days after I deposited the check into my account. I feel like they need to be held accountable for lying and misleading me, and for doing malpractice in banking. After all of this, I don't feel comfortable doing business with Bank of America ever again, you can also look at their reviews it's horrible

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 2023-01-11 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: DE

Complaint narrative:
FILE # XXXX According to my most recent credit report, these companies are currently reporting to the credit bureaus that I applied for credit with their organization. I did not XXXX these companies authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. The presence of these inquiries is adversely affecting my credit report and is impeding my ability to obtain necessary credit. I notified Transunion of these discrepancies via phone over 60 days ago, I was told that someone would be getting back to me in regard to this and no one ever did. I called again about XXXX weeks ago and I was supposed to receive a phone call, again no one ever called. Transunion is willfully violating my consumer rights as retribution for previously filing a civil suit and asserting my consumer rights. The following inquires need to be deleted immediately, I did not have any account with these companies and I did not apply for anything with them : 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 XXXX XXXX I have informed Transunion many times that XXXX do not have the ability to freeze/unfreeze my credit report to prevent this from happening because of a technical error on their end.

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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
This is the second time I have filed a complaint against equifax. I have not been able to access a credit report through then since XX/XX/22. Not only will my score not pull, banks cant access it either and they have my name wrong. I have submitted all documents to them to correct my name twice and its still wrong. They say its fixed and send me a hard copy of my report in the mail and my name is still wrong on the report and the credit pull is old and doesnt have updated information and my bank cant pull the report themselves. I have been trying to buy a house for a year and cant because of equifax. I logged onto my account with them today and now Im getting a code BLNK. I called to tell them and they said nothing is wrong on their end, I also told them my name still hasnt been fixed. 
Its been a year. Equifax will not help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MO

Complaint narrative:
I have been applying for public service loan forgiveness for months. My paperwork is not being handled in a timely manner and Im ready for these loans to be DISCHARGED!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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:
XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!

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 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Credit collection services had agreed to remove this collection from my account. 

I had contacted XXXX, the original Creditor in question. I was told that the debt in question was fraudulent. 

As a current XXXX customer nothing is owed at this time

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2023-01-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX and XXXX XXXX owned house jointly XXXX somehow removed XXXX XXXX 's name from note kept on property wells fargo never disclosed this to us and now XXXX XXXX has died wfb refuses to admit bate and switch predatory note not backed private investment firm they have lied to us and refuse to correct this nightmare

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