vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I had a savings account with Capital One Bank ( Acct. # XXXX ), which was set up as a traditional IRA. Without any notice to me and without my consent, Capital One transferred the account to a company called XXXX XXXX XXXX, which was something I did not request or want. I only discovered this occurred when I received a statement in the mail from XXXX XXXX XXXX for this account that had been with Capital One 11 months after my money was transferred. 

The problem is that my savings account with Capital One had no fees associated with it and was FDIC insured. However, XXXX XXXX XXXX is charging me maintenance fees, statement fees and says they will charge me an account closure fee if I move my money to another institution. I never agreed to be charged any fees for this account because I opened a fee free savings account with Capital One. These fees are eating away at my savings, despite the fact that I never agreed to my account being sent to a company who would eat away at my savings by charging many fees. 

I contacted Capital One about this on XX/XX/23 and they refused to do anything to refund the fees, saying the account was closed and they could not refund fees charged by XXXX XXXX XXXX. My complaint is not about XXXX XXXX XXXX, but is a complaint against Capital One as they should not be allowed to just send my savings account to some other place that is not even a bank, is not FDIC insured and is charging me a ton of fees that my Capital One account never incurred. I set up this account to save for retirement, but this transfer by Capital One is meaning I am losing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 2023-01-30 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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 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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Recurrent overdraft fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I have previously opened a complaint against XXXX XXXX concerning a debt that Affirm has stated that I owe. The response to that claim was as follows : XXXX received the account on XX/XX/XXXX. The account was recalled by Affirm the next day, XX/XX/XXXX. XXXX did not initiate collection activity and did not send a letter because the account was recalled almost immediately after it was placed with XXXX You called XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The representatives each verified that the account was no longer with XXXX XXXX did not and will not report the account to the credit reporting agencies. What we are doing to help We contacted Affirm regarding your complaint. As of the date of this response they are still investigating why they believe the account is with XXXX when XXXX records indicate it was returned in XX/XX/XXXX, nearly XXXX ( XXXX ) years ago. We recommend you contact Affirm with any additional questions regarding the account. XXXX apologizes for any misunderstanding or inconvenience. If you have any additional questions or concerns regarding our investigation, you can contact XXXX directly. Our contact information is below. Sincerely, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX This communication is from a debt collector I have reached out to Affirm several times for over four years and the company can not tell me or verify the debt. This account has been damaging to my credit after years of trying to resolve the issue with no prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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 am interested in disputing all incorrect information on my credit report with transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 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: UT

Complaint narrative:
I AM THE PERSON MAKING THIS COMPLAINT NOT A THIRD PARTY BUT ME XXXX XXXX. PLEASE DO NOT CLOSE THIS COMPLAINT DOWN AS THIS IS MY FIRST COMPLAINT IVE MADE TO YOU. So I went to buy a house and they pulled my credit and i noticed a bunch of accounts that do not belong to me so i sent in an ftc report and a letter to the credit reporting agencies and they havent done anything and its been months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Trying to access my loan for payment information and access to account, however system says my sign on info is invalid, even though it was not, but when I try to access log in help option, the system says they can not locate my loan/account number or information even though I receive paper statements with my account nbr on it. I also provided information by name, XXXX and ssn, as another option in locating my account information, and I receive the same response that they can not locate my account. Tried multiple times over the last year to call, never receiving anyone from customer service to answer. Sometimes I am on hold up to XXXX hours with nothing but a recording saying all customer service representatives are busy and to continue to hold, go online to make changes or choose the option to have them call you back ... ALL options given do not work. I've seen a large amount of complaints on their XXXX page with the same complaints dating back from 2014. It is IMPOSSIBLE to make contact with anyone to resolve these issues. Same complaints about people not being able to log in, or they can not locate the account number, or no one can make phone contact, or they are on hold 2-4 hours hoping to make contact with an actual person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
15 USC 1681 Section 602 States That I Have The Right To Privacy. 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish my account without my instructions. 15 USC 1666B : A creditor Can not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC
State: TX

Complaint narrative:
Quality Asset Recovery is reporting a collection account on my reports that I have been disputing for some time now. I sent them a letter requesting validation of debt and it has been over 30 days and they have not responded in any way. Per the consumer laws and rights, if a consumer requests documentation and reaches out to a creditor to dispute an account with a creditor or bureau they must acknowledge and respond to the dispute. Quality Asset Recovery is in violation of the consumer laws and I am requesting that this account is deleted 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 explanation
Consumer complaint received 2023-01-30 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: UT

Complaint narrative:
I AM THE PERSON MAKING THIS COMPLAINT NOT A THIRD PARTY BUT ME XXXX XXXX. PLEASE DO NOT CLOSE THIS COMPLAINT DOWN AS THIS IS MY FIRST COMPLAINT IVE MADE TO YOU. So I went to buy a house and they pulled my credit and i noticed a bunch of accounts that do not belong to me so i sent in an ftc report and a letter to the credit reporting agencies and they havent done anything and its been months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : UNLAWFUL REPORT OF LATE PAYMENTS To Whom This May Concern, I have a credit account with XXXX XXXX XXXX that is reporting two late payments in ; XX/XX/2021 and XX/XX/2021. I am requesting these two late payments be changed to OK because the reporting of these late payments are not supposed to appear on a consumers report. 
According to 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am also notifying this credit reporting agency that it is prohibited to report information with actual knowledge of errors, according to 15 U.S. Code 1681s-2.

This is unlawful and my two late payments need to be immediately adjusted to OK as the duty of data furnishers is to provide accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Venmo permanently deactivated my account, finding that my actions and activity have been in violation of the Venmo User Agreement ( XXXX XXXX XXXX  ). However, when I inquired about what actions and activity caused this violation, Venmo support replied " If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. '' This means that Venmo can, without finding any actual cause or allowing members any opportunity to rectify an error ( whether an actual user error or an error by Venmo ), unilaterally cancel a user account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I went on experian.com to check my credit report and found a credit card account and an address that was not mine. I called them to file a dispute to remove them off of my credit report. An investigation was initiated and processed with XXXX XXXX and XXXX as well. On XX/XX/XXXX, XXXX completed their investigation and XXXX XXXX completed theirs. Experian also completed their investigation today XX/XX/XXXX. XXXX XXXX was able to remove the credit card from my report. Unfortunately, Experian and XXXX are still keeping the credit card on my report saying that everything was verified but I never verified anything and I never owned any credit cards nor have I applied for any. Experian also removed the address that wasnt mine from my account information but the issue with the credit card still remains. My credit report is frozen and locked so that no one can have access to my information. There should be nothing on my credit report but the closed accounts I have from student loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX XXXX I was contacted by XXXX XXXX XXXX XXXX over the phone at ( XXXX ) XXXX, a person named XXXX contacted me about a debt for a person that is not me, XXXX even admitted that it was not for me once I verified just my year of birth. The company refused to identify itself as a debt collector insisting on it being a personal financial call. 

They contacted me before XXXX XXXX. 
They contacted me for a debt that was not mine. 
They have refused to identify themselves as debt collectors and instead lie and say its for a personal financial call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I owe the Bank of America on my credit card. I've made multiple attempts to work with them however, they have not complied with my requests to have the debt settled and taken out of my checking account on a monthly basis Now they are taking me to court trying to say I've done nothing about my debt. Every time I call and pay down some of the debt and ask yet again, to have a settlement amount taken monthly, they set it up and then nothing gets done. It's predatory and damaging to me, and I want to pay the debt, but need a settlement, not to be sued for their errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: UT

Complaint narrative:
I AM THE PERSON MAKING THIS COMPLAINT NOT A THIRD PARTY BUT ME XXXX XXXX. PLEASE DO NOT CLOSE THIS COMPLAINT DOWN AS THIS IS MY FIRST COMPLAINT IVE MADE TO YOU. So I went to buy a house and they pulled my credit and i noticed a bunch of accounts that do not belong to me so i sent in an ftc report and a letter to the credit reporting agencies and they havent done anything and its been months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I have tried to discuss this matter by mail and phone since XXXX XXXX. There are multiple violations within my contract agreement. I have an arbitration clause in my contract and I would like for Ford Motor Credit to honor the dispute I have with my contract. They have threatened to repo my vehicle for nonpayment, but I have a contract issue that needs to be rectified. My issue is the entire contract is operating under fraudulent intentions according to the Security Agreement the company signed. They have to abide by these four codes 17CFR 230.425/ 17CFR 240.14a-12/ 17CFR 240.14d-2 ( b ) / 17CFR 240.13e-4 ( c ). They have not been transparent with the language in this contract. I would like to dispute the issue and prove the fraudulent act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the credit reporting at the list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681. 

I have never lived at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never received a bill Or information concerning this account. 
Ive updated my address with the credit bureaus in XX/XX/2022. 

15 USC 1681 section 6028. States I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not flourish an account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of confections of crimes, which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a customer to any consumer reporting agency, if the person knows or has a 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 explanation
Consumer complaint received 2023-01-30 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Account paid, yet it still shows on my credit report. Credit report is with XXXX XXXX. Please remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I had my tax advance of XXXX deposit into my credit karma bank account. Credit karma froze my account and will not allow me to withdraw any of my funds. They will not tell me when they will unfreeze my account or even why its froze. I have gotten nothing but the same generic response from everyone I spoke with saying to wait it out. I was depending on my money to pay my bills. Now they are not allowing me to take it out. I need help.

Company response to consumer: Closed with explanation