vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I initiated an electronic transfer on XX/XX/XXXX from an external bank account to a recently established savings account with Capital One Bank. On XX/XX/XXXX, I received an email from Capital One Bank indicating that had decided to delay the availability of my funds until XX/XX/XXXX, or 14 days, based on a security concern. I set up the account several weeks prior and transferred a smaller amount of money to start the account. When I set up the account, the funds were available within 2-3 days, and there was no security concern expressed about the smaller deposit. I called Capital One on XX/XX/XXXX to express my frustration, I communicated that I was not upset because I needed the money, but communicated that I believed it was unethical and unfair that they are holding my funds for 14 days with interest, which amounts to approximately {$42.00}. The customer representatives indicated that there was nothing that she or Capital One could do. At no time prior to opening the account or after I opened the account did Capital One communicate that deposits may be held for 14 days. If I had known that was a possibility, I would not have opened an account with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
The Debt Owed was Paid Directly to the OWED Creditor XXXX XXXX However the Collection company Is trying to stay on my report they had no involvement In collecting this debt now as I aware of them until after XXXX was paid I want the Remark DELETED from my consumer report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
On XX/XX/2023 we send a payment of {$900.00} to Select Portfolio Servicing. We were currently in default at that time and SPS stated they would not take any payments other than cash. We call XXXX about the {$900.00} and the said the sent a paper check back to us on XX/XX/2023. We never received that check so we called again and SPS stated they would file an inquiry about the missing funds. The 3rd time we called we were informed the inquiry was never sent but they would send it again. The 4th time we called SPS informed us that our bank, XXXX XXXX, was holding the funds. We then proceeded to call XXXX XXXX and had a XXXX way conversation about the missing funds as XXXX had never received them. Upon calling XX/XX/2023 they filed yet another inquiry because nothing was in their records. 

We need this money to be applied to the XX/XX/2023 payment and they continue to drag their feet. 

We are asking that the {$900.00} be returned and we are asking for the XXXX tort amount for a total of {$2700.00}. We would also like our credit score scrubbed from this company as the hold payments, apply late charges and lower my credit score. This number was given to us by our lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The Company is Equifax, XXXX XXXX XXXX, XXXX, GA XXXX In the memorandum from my creditor regarding their credit decision pertaining to me, they enclosed information from my credit report provided to them by Equifax. The document makes reference to code XXXX SERIOUS DELINQUENCY. This code is shown in the area stating 'Key factors that adversely affect your credit score '. 

In reality, there are 0 delinquencies on my credit report. No late payments, no collections, bankruptcies or judgments. I'm very concerned that I'm scored based on inaccuracies. 

I have called multiple times to complain and dispute this since I noticed it in XXXX & XXXX. I was told to use the online dispute center. Unfortunately, the Equifax dispute center is selection oriented. The section that this falls in is not an option to select on the web form. Accordingly, I am not able to dispute this issue in writing. 

During the pandemic, it took hours on the phone to reach someone, so unfortunately I gave up. I am coming to you for help. I believed the automated system is scoring me incorrectly and creditors are filtering me out based on said automated score and never looking at the actual report showing 100 % on-time payments on all accounts. 

I hope that you are able to assist me with correcting his error with Equifax. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am composing this statement on my behalf. Recently I discovered fraudulent accounts on my credit reports. According to fair credit reporting these accounts have violated my rights. According to section 15 USC 1681 section 602 states that I have a right to privacy. 15 USC 1681 section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my reading instructions. 15 U S C-section 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, not later than four business days after the date of receipt. It has been 30 days and the company has not done so after receiving notice that I am a victim of identity theft. I've requested the deletion of these items 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 explanation
Consumer complaint received 2023-06-29 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: Sentry Credit, Inc.
State: GA

Complaint narrative:
The account is not mine and i never stayed at the apartments. I told them that they have commited Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

also this agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
The account is not mine and i never stayed at the apartments. I told them that they have commited Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

also this agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield Put a collection for {$3200.00}. This collection should not be on. The Company XXXX XXXX Is Claiming I Owe them this money, This is false. I am under leagal cousel againt This XXXX XXXX. I have also filed a XXXX Descrimation case also, A HUD Complaint, And XXXX XXXX Attorney General Complaint. 
The fact is XXXX XXXX Apartments, At XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Owes me the amount of {$3200.00} I have notified The Collection Company Hunter Warfield to cease and desist and take the collection off all my credit Bureaus .They are breaking the laws Of the CONSUMER CREDIT PROTECTION ACT & Fair Credit Reporting Act, Harrasment of Me And My wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX Violated my rights 15.USC 1681 section 602 A states I have rights to privacy 15 USC 1681 section 604 A section 2 : states consumer reporting agency can not furnish an account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer plan as late for any reason.. 
The information reporting to my Experian doesnt match the information on my XXXX and XXXX its really affecting my credit and I need this late payment removed from my Experian

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 2023-06-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent in a dispute that was received on XX/XX/2023. When I called in to the automated system it stated that all three of my accounts where deleted. I sent equifax XXXX. A dispute letter disputing XXXX accounts for identity theft and they claim they only received the FTC reports for XXXX of the accounts and not the third. This dispute packet was sent certified mail and was staples together. 

I spoke to the super in the fraud department and he lied about the whole process and then hung up the phone on me. I reminded him this is why indenting theft happens and you guys have loss/ miss placed information that has my personal private information on them. 

Below is letter that was sent I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( XXXX ) that are to be blocked immediately XXXX. XXXX XXXX # XXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX XXXX XXXX ( Beneficiary ) Enclosures : Identity Theft Report FCRA Section 605B ENCLOSURE : FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: MI

Complaint narrative:
I received my consumers report and noticed that I had a late payment 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 XXXX, account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated to on-time as they should be, as I were NEVER late. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX and I recently opened up a XXXX Account. I deposited XXXX large checks into the account upon opening, and I have been having major problems with this bank ever since. 

I truly believe that I am a victim of XXXX discrimination. I also have an account with XXXX and have neverrrrrrr had an issue with them ever. 

Upon opening my account with Truist, I was made aware of a standard 10 day hold that would be placed on the funds. No problem. 

It has now been well over 10 days and Truist seems to have no urgency in releasing my funds. I have provided all of the required documents that they have requested. 

At this point, I am wanting to close my account because I have never had to deal with this kind of issue with any other banking branch. 

Not to mention that the customer service team seems to have XXXX empathy and urgency with helping with this issue. 

I have called several times about closing my account and releasing my funds to me, but they are not being proactive in doing so. 

If I was a white woman with blonde hair and blue eyes, this would have never been a problem. I am now going on day XXXX without any access to my funds. 

If not resolved, I will file a XXXX discrimination lawsuit with my family attorney.

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 2023-06-29 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: TX

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 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 or 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 non-monetary relief
Consumer complaint received 2023-06-29 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:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION ''15 USC 1962e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTYER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2023-06-29 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: OneMain Finance Corporation
State: WA

Complaint narrative:
After throughly investigating all agreements & disclosures provided to me by ONEMAIN FINANCIAL GROUP LLC on XX/XX/2021, it has been determined that ONEMAIN FINANCIAL GROUP LLC 's contract and or agreement used fraudulent inducement when it failed to uphold it's obligation with respect to the disclosure of the consumers personal information because the provided disclosure 's falsely represented, concealed, suppressed and or intentionally failed to disclose material facts required by 15 US Code 6802 ( a ) ( b ) ( 1 ) of the GLBA ; which deceived and was intended to deceive the consumer into believing it had no right or option to Opt Out of having it's account information furnished to consumer reporting agencies, when in FACT it did. 

After deceiving the consumer, ONEMAIN FINANCIAL GROUP LLC deprived the consumer of it's right to privacy by furnishing private account information to consumer reporting agencies without the consumers expressed consent and without any other lawful authority. These acts constituents Identity Theft pursuant to 15 US Code 1681 ( q ) ( 3 ) and RCW 9.35.020 and establish existing FRAUD and therefore VOIDS the contract and makes it un-enforcible. 

These criminal acts have caused the consumer damages in the form of loss of opportunities and wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The company needs to fix their report on my credit score. I did everything on my end I was supposed to that satisfied the settlement so why was another account opened on their behalf? 
The company needs to send the correct information to the credit union and have the wrong information removed.

Company response to consumer: Closed with explanation