vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I was notified by a lender of debt on credit report as a result I reached out to the company and disputed the account as I didn't have a homeowners policy with XXXX XXXX. I contacted XXXX XXXX and both companies told me that if I could send proof with declarations from a different policy they would remove the debt. I have requested validation from XXXX XXXX and the collection agency specifically a signed contract/policy with my signature. What XXXX XXXX sent is backdated for XXXX but dated XX/XX/XXXX and without my signature anywhere. XXXX XXXX is only sending invoices which anyone could produce without a contract of anyone owing or obligated. There was no mutual consent, meeting of minds, nor an offer and acceptance between myself and XXXX XXXX. For approximately XXXX months emails were sent pleading with me to sign homeowners documents. As of today I still have not received any validation from the collection agency despite my requests. When I disputed the debt in XXXX, they didn't send validation. Today, I was told I would receive whatever they had in XXXX weeks but in the meantime with multiple hours of life wasted this fraudulent debt is costing my family more than the XXXX but tremendous distress anxiety and XXXX hospitalization.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One banking checkings and savings accounts. I closed my other bank accounts because from advertising it says there's no fees ever and when I looked on my email and I asked where can I deposit cash there was tons of locations in my area that were pulled up and so I believed that I couldn't deposit cash that I could deposit but I can not deposit cash anywhere but Walmart and they charge {$3.00} and you can only deposit {$500.00} at a time which doesn't even cover payments to my credit cards I have with Capital One I can not pay my Capital One account of my credit cards without a fee of {$3.00} for each one. I called to get help and the customer service person directed me again to multiple locations near me that I could deposit cash into my Capital One account for free I went to said locations and was not even given any information there was absolutely no way that I could deposit money and once again nothing after spending money on gas and having to leave my home being as it I am dealing with XXXX XXXX  which is extremely difficult for me to leave my home because I'm XXXX  etc I am not able to afford depositing money at {$3.00} a time I am not able to afford only being able to deposit XXXX at a time and having to pay each one of my cards with a charge I've read the entire terms and conditions and not one place says that you will be charged to deposit money into your bank account. It says on it that you can deposit money orders post some money orders but you can not do that on your online account it says you can deposit money into cash into bank account ATMs for your bank account it says that there are no fees for anything when you open a bank with Capital One and savings account. I have reached out to multiple customer service I have reached out on XXXX I have done everything I can. The second time I called the lady was rude to me she had no patience she told me there was absolutely no where I could deposit cash and once I went on line again on XXXX it says that it only would take me to the capital one place and then it wouldn't even load any location at this point then I go back into my online account I go to XXXX and asked where can I deposit cash and it pulled up multiple places that I am supposed to be able to deposit cash so I have no idea what's going on I'm late on multiple credit card payments I have no way to deposit all this money that I have I have all this cash that I can't deposit and now that I close my other bank accounts I have to leave my house and go find a place to think all because I trusted Capital One because of their fault advertisement they haven't done anything to make this right they've treated me like I mean nothing they've done nothing to contact me to help me figure this out at all I have called them out for all these things I sent pictures and nothing nothing at all nobody cares nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've disputed with Transunion and they have refused to remove incorrect information from my credit report.

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 2022-08-23 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: CO

Complaint narrative:
I was reviewing my credit report because i always keep up with m credit but when i saw my scores going down when i research i find out companies pulling credit can affect credit scores etc. and i found some companies have been pulling my credit without my authorization. some of the companies i spoke with regarding one thing or the other are always asking for personal information but never say is it ok to pull your credit and then later on i see they have pulled my credit with verbal or written verification from me, i and i find out that they are not supposed to be doing that, and i can dispute all that I feel was not authorized by me. on XXXX the XXXX i called XXXX spoke to someone in the fraud department explained that i have contacted the company that pulled my credit they were not trying to help me and the said to follow up on my credit report in 72 hrs. ' not change i call again several time after no change. im writing asking to have those hard inquiries removed deleted from my credit report as i did not authorized and of them listed XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Business Type : Sales Financing Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquired on XX/XX/XXXX Business Type : Leasing and Rental Reseller XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT 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 2022-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received a text message on XXXX at XXXX EST from XXXX that said, " FIFTH THIRD -- Attempt of {$1700.00} at XXXX XXXX OH XX/XX/21 require approval, Log on https : //fifththirdsupport.top/index.php/? key to CANCEL. '' I don't have an account at Fifth Third. I am not sure how this company got my cellphone number. I am concerned someone is using my personal identification at Fifth Third. 

Normally I just report spam to XXXX 's XXXX number, but this one involved banking at it concerned me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: NY

Complaint narrative:
There seems to be an error on my consumer report furnished by XXXX  XXXX. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX  XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX  XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

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 2022-08-23 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
A credit inquiry from XX/XX/2021 of attempting to open a credit card line with my bank will not remove the inquiry from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My father passed away in XXXX of 2021. He has business accounts at Wells Fargo. I am the executor of the estate and have become the member and XXXX XXXX of the XXXX. Ive provided all required proof to Wells Fargo but they still arent giving me access to the accounts. At first they just kept telling me theyd call back when they found out what the next steps were but now they dont call back or return my emails. I need these accounts to XXXX  the 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 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Four separate deposits were made in various amounts. 1 of the checks was returned to the maker and 3 were cleared into the account but because of the returned check, the account was closed. The checks were deposited and cleared XX/XX/2022 but have not been issued out to me as of XX/XX/2022. I've been given incorrect information nearly every time I've reached out to the institution about how to get these funds sent to me. I've been told to provide proof of deposit from the bank the money was pulled from despite the checks coming from a third party. I've been told to provide documentation that has the third party 's signature and a copy of the government identification as proof of the funds being cleared. I've been told that the check has been mailed out and would reach me by a certain time just to call back when the check didn't arrive and be told that I was given incorrect information and still have not satisfied their need for proof. It's been over a month with no straight answers or ways of resolving how to get access to my money. I don't know what else to do.

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 2022-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
My account was closed and sold to another company.I didnt hear this company permission to my information.The company calls and mail me harassing letters about sueing.I have explained to them that I know nothing about there company and to stop calling but it continue to go on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I purchased a vehicle in XX/XX/2022 through XXXX XXXX of XXXX. The bank to finance the loan was Santander USA. 

In XXXX, my personal bank account was hacked multiple times and I had to adjust accounts and along the way, missed setting up the auto pay for the car payment. 

I had made a total of 1 full payment at that point. 

On XX/XX/2022, my car was repossessed due to failure to pay. I called immediately, and offered to pay the past due balance. They refused to accept it, and stated I had to pay the loan off in full ( XXXX ) in order to redeem my car. 

I attempted to work with a couple of other banks and a co-signer to refinance the loan elsewhere, but because the payments are not current, other lenders won't take it. 

Santander refused to accept payment to make the account current, stating I could only do so by paying the full loan amount. 

I am a single mother after a messy divorce trying to get her life back on track. The bank refusing to work with me to assist the situation, despite my having the funds on hand to rectify it, is abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have a employment listing that is not correct and 2 previous addresses that are wrong and 2 accounts that say charge off that are wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: FL

Complaint narrative:
In accordance with the fair credit reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A.Section 2 : it also states that a consumer reporting agency can not furnish a account with out my written instructions. 

15 U.S.C 1681 - Congressional findings and purpose. : ( B ) ( 4 ) Reasonable Procedures. F.C.R.A 15 U.S.C 1681C-2 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Block of information resulting from identity theft.

18 U.S.C 1028- ( A ) ( 1 ) ( 3 ) ( 7 ) ( 8 ) Fraud and Related activity in connection with identification documents, authentication features, and information.

No SSA-89 form for furnished information ( s ).

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 2022-08-23 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: DISCOVER BANK
State: TX

Complaint narrative:
I was alerted by a credit union that my Discover card was closed. This is the second time they have messed up my credit by just closing my account. I spoke with XXXX who just said they will call me back and that I spoke with someone about sending a 4506. I never spoke with anyone at Discover prior to her and all she could say was I needed a 4506 verification for a card I have been using which sounds like some mess they do when they want to mess up your credit because I have tons of credit cards and this has never happened. Well over XXXX in credit. I need my credit score returned to what it was and I need something done about my cash back money they kept. Im appalled at their lack of professionalism!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX XX/XX/XXXX I SENT IN A DISPUTE ONCE AGAIN FOR UNVERIFIABLE INFORMATION IN MY CREDIT REPORT. IF U HAVE VERIFIED THIS IS MY ACCOUNT WHY IS IT SO HARD TO PROVIDE ME WITH THE DOCUMENTS SAYING THAT I OWE ANY DEBT. 

YOU'RE REPORTING LAST PAYMENT MADE XX/XX/XXXX AND THE STATUS IS REPORTING XX/XX/XXXX IT IS XXXX YOURE IN CLEAR VIOLATION.. 

TransUnion XXXX XXXX XXXX XXXX, PA XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account Thank You, 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 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo offered me a balance transfer. I accepted this and created an online transfer to XXXX XXXX XXXX in the amount of {$2600.00}. I have the Wells Fargo e-mail confirmation dated XX/XX/XXXX. I received a fraud alert on Monday XXXX for a {$5300.00} charge. I called the fraud Dept. Told them what I was doing on XXXX. I was told this had been entered twice by mistake. I was told they would fix the issue and get this transfer done. I called back on XX/XX/XXXX as I had not seen the transaction. I was told both were cancelled. I told them this was incorrect. They got me with another rep and I went through the whole transfer process on the phone. I called to check early tue following week and was told the transaction hadnt posted yet. I called back on XXXXas the transaction still had not occurred. I was passed off yet again to their complaint Dept. This lady sent me an e-mail XXXX XXXX is her name. I replied to her e-mail and told her this could still be corrected until XX/XX/XXXX. I received a call from XXXX XXXX and she told me about an e-mail she was sending. This e-mail was not going to correct the situation I requested on multiple times on hold to speak with a Supervisor. I was never given a Supervisor. She finally agreed to try and process the transfer. I told her I wanted a transcript of our entire phone call. She said I could send the interest charges that would accrue because if their failure to her and she would get it taken care of. She again had trouble with the request. She said she would call me back after she talked with someone else. I have yet to receive this callback. I am completely frustrated and angry at Wells Fargo. I gave them over 3 weeks to get a simple balance transfer completed and it still has not happened. I have never in XXXX  years had such a terrible experience with a bank.

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