vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2022 I applied for a Capital One checking account but was denied with no explanation. I called Capital One and was told the account opening was denied by XXXX XXXX, a credit reporting agency. When I called XXXX XXXX they also could not tell me why the account was denied. All they could do was provide me a copy of my credit report which I declined. I have an excellent credit rating but I have a fraud alert on my credit the purpose of which is to alert me when anyone tries to open an account in my name. I never received a call from anyone, just the outright denial. That is not supposed to happen and defeats the purpose of the fraud alert. Other times I have tried opening accounts with other banks and was unable to do so but was never outright denied. I can think of no other reason why this account would be denied. XXXX XXXX should not have issued a denial to Capital One. They should have called me. They made a mistake and need to fix it as soon as possible. Additionally, in the denial statement on Capital One 's application page, I was told I would receive a follow up contact detailing the denial. It is 6 days later since the denial and I have received no contact from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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 Account 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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: PA

Complaint narrative:
I recently read through a copy of my credit report, and I saw addresses on there that are not correct. I looked up your website and I have enclosed the proof of current address that you require. The only address that should be listed is shown in the image below that's reported from XXXX. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way and one way only. Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/1977 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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: FL

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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 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 companies below has violated my rights. 

XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
My wife and I refinanced our home to obtain some of the equity in doing so some of our debts were paid off including BOA, the problem arose when the mortgage company made the check out for more than the balance owed. BOA received the check on XXXX. I called on XXXX and talked to a lady by the asked for a refund of the {$83.00} and also closed the account. I was told it would be mailed and I would receive it within 10 days. After calling five or more times as of today there is still no refund. On the XX/XX/XXXX call they were given a routing # and bank account # to deposit the funds, I was told maximum 10 business days. Still nothing. Today is XX/XX/XXXX. It's easy to see that they keep lying to me or just don't care.

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 2022-06-01 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I purchased a {$5.00} book on the XXXX XXXX XXXX as Paypal was offering {$10.00} to everyone who spent {$5.00} on the XXXX XXXX 

I purchased the book and sent Paypal copies of the receipt ( which was paid for via Paypal ), they have yet to reply nor credit me the {$10.00}. 

1 month ago I filed a complaint here against this same company for not allowing me to use my venmo account on a day I needed it, they company refused to provide any remedy and denied accountability, again. 

Today I am writing to illuminate petty harassments of the company, in their choices to ignore my correspondence and fulfill their obligations to their claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01 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: MD

Complaint narrative:
Around XX/XX/2022, I tried to deposit a check ( a safety deposit returned by my apartment ) into CITI bank. Two days later, I found out that my account has been closed. I called the bank and learned that they defined this deposited check as a fraudulent activity. They want me to provide a number for my apartment so that they can call and confirm the identity of the check. However, every legitimate number I provided to them was denied. They claimed that those numbers do not match their " public record ''. Instead, this check is cashed and held by CITI bank so that no other parties can cash it. After persistent calling every day, my call was finally picked up by the CITI bank USA fraud prevention department ( instead of the outsourced XXXX department ). The representative was able to verify with the issuing bank of the check that the check is valid. However, It was already about one month after the incident. They confirmed my current address and promised me to send the remaining amount in my account and the check ( that they thought this was fake ) to me. 

Two weeks have passed, and I never received a single thing from them. Due to a huge financial burden, I had to take a trip to New York, where I can visit a physical CITI branch. The bank manager helped me to call the CITI bank fraud prevention department and promised me that they will send out the two checks to me. Two weeks have passed, I still got nothing from them. Desperately, I tried to call them last week. After hours of waiting on the line for a representative, they keep referring me to other departments of the fraud department. More than 4 representatives told me rudely that they don't deal with this matter. I am out of options.

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 2022-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Great American Finance Co
State: CA

Complaint narrative:
They manage to get a credit card from Great American Finance Co through XXXX 's XXXX and withdrew cash advance on the credit card. This card was open under a massive identity theft in which they have everything to take over my life including SSN, phone #, they changed my address through USPS, everything. Account was open on XX/XX/2022. I tried calling Great American to shut it down but they didn't because I didn't have the account number??? I have all these hard inquiries and soft inquiries that have affect my excellent credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Received a letter from Citizens bank ( XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, RI XXXX ) regarding payment due on a LOC secured by my home. In the letter they said they would " settle your account with one payment in the amount of {$1100.00} which is equal to 80 % of your outstanding balance. Upon receipt of your payment, your account will be considered settled-in-full and will notify the credit bureaus accordingly. '' Letter is date XX/XX/XXXX. I wrote a check and mailed it on XX/XX/XXXX, check # XXXX in the amount of XXXX on the FOR line I wrote " balance on XXXX XXXX ( which is the home the LOC was taken against ). On my cancelled check Citizens stamped it " received XX/XX/XXXX ''. On XX/XX/XXXX the check cleared my bank account. The amount that was suppose to be forgiven was {$280.00}. And I had been faithfully making payments. 

I subsequently received a collections letter from XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, PA XXXX. My daughter, XXXX XXXX XXXX, who has full XXXX, wrote them a response, attaching all the above mentioned documentation and mailed it XX/XX/XXXX. They never responded. 

Today, XX/XX/XXXX a letter arrived in the mail from XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX- for mailing the address is XXXX XXXX XXXXXXXX XXXX, PA XXXX ) demanding payment for the {$280.00} - the amount the bank indicated they would forgive if I paid the {$1100.00}. My daughter XXXX will respond to this letter as well - as I am XXXX XXXX XXXX, she now handles all of my finances. 

I find this repeated contact to be harassing and a form of XXXX XXXX I faithfully paid the bank in accordance with their written instructions. Neither myself nor my daughter should be having to continually respond to these letters, not to mention the costs involved with writing and mailing these letters certified, return receipt. I am very fortunate to have a daughter who is a CPA and can read and understand these documents and knows that they are false claims. Most people in my situation would think this was a legitimate claim and just pay it- thus being " swindled '' out of money that actually is not owed. It is rather unconscionable behavior- which is why I am taking the time to report these institutions - I know they will receive the letter from my daughter it will be dropped - until the bank turns it over to the next collection agency. Any help you can give to stop this situation would be greatly appreciated- not to mention stopping this practice being done to other XXXX  people. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
On XXXX I mailed Check # XXXX to Specialized Loan Servicing LLC to pay XX/XX/2022 payment. On XXXX this check cleared my Credit Union, However my account still says that the XX/XX/2022 payment is still due and they have placed my payment in their Undefined account. 

Loan payments are to applied to the account upon receipt according to Federal Rules. I have made the XX/XX/2022 XXXX and my account should now say the next Payment due is XX/XX/2022. 

I should not have to make a complaint each month for this Company to apply my loan payment to my 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 explanation
Consumer complaint received 2022-06-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: DE

Complaint narrative:
The lender waived my late fee ( see attached ) ; but, refuses to set my credit report as " current ''. I was 30 days late due to contracting XXXX. Under the Cares Act, a lender has an obligation to report a consumer as current according to below : The CARES Act calls for creditors to adjust how they report accounts that have been modified. The law requires creditors to report any account that has a payment accommodation to it as current to the credit bureaus- as long as the account was current when the accommodations was made. This credit card lender made accommodations by waiving my late fee ( see attached " adjustment '' ) ; therefore, making accommodations. Based on this information and CARES Act, they should remove that late fee as they have an obligation to report that 30 day late - as current. ( see attached ). I was never late on this account and I've reached out several times to lender to adjust this report ; but, they refuse to do so. Therefore, this lender is violating the CARES act with regard to accommodate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I sent my mother through XXXX $ XXXX like I have been doing for 3 years the money never arrived to my mother account I have gone to the bank wells Fargo and they haven't done anything and they had that problem with a lot of costumer and they don't want to protect us and I think someone in the bank change my mother phone number and it went to another account and no one wants to return my money I don't know what to do anymore

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 2022-06-01 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: TN

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. Please provide the Bill Of Sale or original loan documents for the account " XXXX XXXX Account number XXXX. I have not received this information Per Section 623 ( a ) ( 3 ) I believe that my rights are currently being violated and this is also a violation of the FCRA. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed 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 non-monetary relief