vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
So my Venmo account has been frozen since XX/XX/2022. I recently was locked out of my account due to me changing my phone number and phone. I couldn't access my account and then once I did through customer service my account was immediately frozen with no answers as to why besides saying it was flagged. Which is no problem but a week before that my card was used unauthorized and they drained my Venmo account of about {$1500.00}. So I filed a chargeback and the gave me provisional credit which I appreciated but that's the same exact time when I had to contact customer service to get into my account so once I got my funds as provisional credit and I was going to access it they froze my account and it has now been 10 business days and they have yet to respond or tell me why. So my XXXX that was already stolen from me is now being held/stolen again by Venmo and they do not care about anything or even care about fixing the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: NC

Complaint narrative:
Credit Bureau not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
We feel behind on our mortgage payment. All lenders we asked to not report late payments during the pandemic. We set up payment plan but Carrington still reported the the late payments. Due to this we cant get our mortgage payment lowed due to these late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've filed a dispute and it has been well over 30 days and I haven't received any investigation results.

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 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
XX/XX/XXXX, tried to deposit a check in the amount of {XXXX}. The Check was partially skewed and the App wouldn't accept the check. I took the check down to a local Credit Union that I bank with as well and deposited it in person. Capital One then showed that the deposit was in my account. I called and had the check reversed thinking that the one at the local credit union would be the one that would go through. The local credit union ended up reversing the check as well because Capital one requested the money under a duplicate deposit. I have called capital one a few times about this and have to explain the situation every time. No one seems to understand what is going onXXXX. I have also been in communication with my local credit union and they have given me the XXXX number off the check to provide to Capital One. Capital One still has not gotten anywhere with this. My local credit Union is XXXX  XXXX XXXX XXXX. this has been going on for over a month now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In the early first week of XX/XX/XXXX I approached Wells Fargo bank at XXXX XXXX XXXX CA, for XXXX line of credit they took my all information and told me that in one hard inquiry they will apply my credit card and XXXX line of credit I told them that I have 7 credit cards I only need XXXX line of credit, they deliberately pull up my credit 2 times which result declined of both applications, they lie to me that they will pull up my one hard inquiry.

They have no right to pull up my credit two times without my consent. 
I approached to the bank and complain about the lie and unauthorized use of my credit without my approval. 
If I knew that they will pull my credit two time I immediately stop them doing this, I requested them to remove two illegal unauthorized inquiries from my report but they are using delaying tactics as they are well known for collecting peoples information and ruining their credit and destroying small businesses as they want to increase the wealth of big business and destroy small businesses by destroying their credit. 
They play with my credit report and when I complained about that they had not answered me till now. 
Due to their attitude I am suffering irreparable loss and my business is effective, as no two hard inquiries are in my credit on same day. They have no idea as the staff of the bank is not well trained and they only care about their efficiency and to show the efficiency they had are submitting two applications at a time which result in decline of both applications and they are getting information of people.

Which they may sale to other people or will use that.

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 2022-03-21 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing any of these inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 
U.S. Code, 15 U.S.C. {XXXX} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 
Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.

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 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
USPS XXXX XXXX fee was suppose to be {$73.00} ( USPS letter sent verification ) on automatic payment.in XX/XX/2022. Instead {$91.00} was charged and I disputed {$18.00} of the {$91.00} charge and paid the {$73.00} on my Citi bank credit card bill in XX/XX/2022. The {$18.00} dispute was rejected by Citi bank and instead of the {$18.00} dollar dispute charge being reversed on my XX/XX/2022 Citi bank bill.. Citi bank charged me again for {$73.00}. which I had already paid on XXXXXXXX XXXX XXXX  statement. 
I notified Citi Bank on a chat line and was rebuffed and told they did not have access to the information. I wrote Citi Bank credit services and there has been no acknowledgement.

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 2022-03-22 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing any inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit.

U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 
Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.

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 2022-03-22 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: AMERICAN HONDA FINANCE CORP
State: SC

Complaint narrative:
I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing any inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit.

U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report.

Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing any inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {XXXX} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: MI

Complaint narrative:
I have tried several time when I had become late on my payments to arrange a payment plan. I had called with money ready to send. It wasn't the full 2 month payment they were asking for but I didn't have one month 's worth of rent and had let them know the fallowing week I could do the same amount and they wouldn't take it. Then I got sick fell more behind and now in foreclosure. Since I was served a summons I have been working with a community action house and have also tried several time to connect with them to get paper work sent to me so I can file for help through XXXX but did not here back from them for days. Along with my case worker who is helping me file the paper work. Was also told at the court date to call the attorney to work out a payment to pay what was owed and was then told after a week of calling that its to late to make a payment plan I was never advised to contact anyone to make a plan and when I did try with the company themselves I was told I could not make a plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION
State: WA

Complaint narrative:
We have a loan with Zion 's Bank for construction of our new home. We built the home in 2020 and have been in our home for almost 15 months. Zion 's is still requiring us to pay Escrow each month based on the estimated amount they thought we would owe for our taxes and insurance. I have called them, and have emailed our mortgage and construction loan officer, about the county tax assessor 's office actual taxes owed. Needless to say, we owe less than the banks original assessment. RESPA law states the bank can not hold more than 2 months escrow. I know they have a lot more than that number. Repeated phone calls and emails have not been returned or the matter addressed. I just emailed to have my escrow removed from our mortgage. I am VERY DISSATISFIED with Zion 's Bank throughout this entire process of construction loan. I would NOT recommend them to anyone!!

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 2022-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
After submitting my tax form and my refund was calculated. I selected to have it sent to my Credit Karma save account as XXXX XXXX  stated I would receive faster that way. I did receive it fast but Credit Karma is holding the money hostage. I can't withdraw it to send my regular bank and when i did click withdraw and it said " expect to see your funds within 1-3 business days '' instead of depositing money it withdrew it THREE separate times FROM my account and left me with XXXX in my account and then the money was no longer in my account at credit karma. So not only did they not deposit my money, they stole it from me. I received a couple, " we can't do anything about it '' and now I have another XXXX on the ay that I can't cancel being sent there so it now appears credit karma will be stealing XXXX from me. This is money I worked hard for and need. If I had the money to spare I wouldn't be calling and complaining. Moreover, I receive a refund that shows that I do not make enough money to have to owe. This is outrageous, criminal, and immoral. I would like to have all of the money that is my earned money rather than a bank that does not need it stealing it from me. As you can see in the documents I'm attaching there is now no money in my CK savings despite them having withdrawn money and it stands to reason that if they withdrew money it should now be XXXX in my credit karma account because they withdrew money so it should be sent to my account and added to the XXXX. Obviously, i had no money to withdraw. Now I am also being charged overdraft fees. Upon looking into this, I see they have been doing this enough to the point where there was an article in XXXX about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: NC

Complaint narrative:
Credit Bureau not complying with their own policies in a timely manner.

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 2022-03-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Credit Bureau not complying with their own policies in a timely manner.

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 2022-03-22 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: Exeter Finance, LLC.
State: SC

Complaint narrative:
I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing any inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I refinanced my mortgage that was with Community Loan Servicing and paid off the loan on or about XX/XX/2022. I got a letter saying that my excess mortgage payment would be refunded within XXXX business days ( XX/XX/2022 ). I called them on XX/XX/2022 to notify them that I had not received the check. At that time I was told that the check was for {$7000.00}. I was sent to the Customer Advocacy department. I spoke to someone who said she would get back to me within XXXX - XXXX hours. She did not and has not called back. Nor have I received anything from Community Loan Servicing except a letter showing the amount of the refund that I should have received. When I call the Customer Advocacy department the computer says that my issue has been resolved and does not allow me to speak to anyone. It has not been resolved. I have not received my refund and no one has been in contact with me. When I called back to the general number they are telling me to call back, in spite of the fact that the computer does not allow me to connect with an actual person. I demanded to speak to a manager. I was put on hold an hour ago and no one has come back to the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Hi, I referred a friend to the Chime card refer a friend program, through a chime app link of XX/XX/2021, Myself being a Chime card holder .The offer was that, my friend and I would both receive a XXXX dollar bonus for ( friend ) signing up and receiving a XXXX dollar direct deposit into his Chime account..Chime has denied my friend and I the bonus mentioned.I trust that Chime has the fudiciary responsibility to honor the offer / trustee.I tried twice to resolve the problem with Chime to no avail.I feel we were misled by Chime and there false advertising.My hope is to resolve this matter without taking it any further than CFPB.Thank you in advance for your help in resolving this matter. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
in accordance with the fair credit reporting act. 
nationstar/ mr cooper account # XXXX is reporting an inaccurate late payment on XXXX on XX/XX/2018 XXXX delete this late payment because is inaccurate.

15 u.s.c 1681 section 602 a.states that i have the right to privacy.

15 u.s.c 1681 section 604 a. section 2 ; it also statesa consumer reporting agency can not furnish a account without my writtent instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Received a debit card from capital one. I never opened an account. The phone number associated with the fraud account XXXX. Capital one closed the account.

Company response to consumer: Closed with explanation