vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 
Under 15 U.S.C 1681 section 602 States I have a right to privacy.

Under 15 U.S.C 1681b section 604A paragraph 2 States an agency can not furnish an account or report without my written instructions.

Under 15 U.S.C 1666B A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened up a checking and savings account on XX/XX/23. I made a {$50.00} cash deposit in my checking and a {$50.00} cash deposit in my savings. On XX/XX/23 I received 2 checks for some work I did. I deposited a check for XXXX in my checking and one for XXXX in my savings. I also deposited cash in the amount of {$360.00} in to my checking. I didnt withdrawal any portion of the check in either account. Next morning I deposited {$780.00} into my checking account. Around XXXX on XX/XX/23 I get a phone call from Wells Fargo fraud department XXXX They say we are closing your account from your recent deposits. How is it that my accounts are being closed when I was responsible enough to wait for the check to clear.

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 2023-03-09 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a capitol one credit card that had a {$1500.00} credit limit. The payment automatically comes out of my account at XXXXXXXX XXXX XXXX ( contact XXXX XXXX ), on XX/XX/16 Capitol one debited my account for the regular payment for {$100.00}. I went to my bank XXXXXXXX XXXX  this week to get some cash. The bank rep told me my bank account was overdrawn. They told me there was a debit from Capitol One for a payment of {$1300.00} to pay my card. I went to my XXXXXXXX XXXX and we called Capitol One, they said a mobile app had opened a new card, with new credit limit and new signers. I said I did not do that, they wanted all kinds of information faxed to them before they would help me. The names added to my " new '' account were XXXX XXXX and XXXX XXXX, they would not give us the new phone number or the new address. XXXX at XXXXXXXX XXXX can verify all this information. The card had already been maxed out and another approx {$3800.00} had been charged to my bank account as payment. XXXX at my bank told me that it may be best for me to go downtown to the XXXX Capitol One office to get help. I did drive on my on ( i am XXXX XXXX XXXX ) XXXX miles to downtown XXXX to the Capitol One branch bank. They were not able to help me as I was told there was no one in the branch that could help me with that problem. I have made sure that the card is cancelled and I have a case number with Capitol from the call that XXXX at my bank made with me ... XXXX # XXXX. I am about approximately {$5000.00}. I was told by my banker to go to this website to file a complaint. I have also filed a charges with my local XXXX office in XXXX XXXX, Texas the officers name is XXXX XXXX - numner is XXXX. Since I am XXXX I am haveing my good friend and neighbor, XXXX XXXX, type this information for me. XXXX XXXX info is XXXX, her email is XXXX. XXXX has also placed a fraud alert on my credit profile.I want the {$500.00} If there is anything you may need information on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
I have never actually recieved a notification of debt let alone actual proof that the debt is real. I don't want to legitimize a debt that doesn't exist. This is not the first time I have been dinged on my credit by a past debt to XXXX. My bill to XXXX was paid out by XXXX when we switched to them, the last debt collectors backed off after I disputed it because they never sent me actual documentation. That was almost 4 years ago for that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Account Number XXXX Account Number XXXX JXXXX XXXX {$100000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$10000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX CAPITAL ONE {$1500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$660.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$350000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$100000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX {$85.00} XX/XX/XXXX XXXX  XXXX {$730.00} XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX {$7900.00} XXXX XXXX XXXX. XXXX, XXXX {$420.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX- XXXX XXXX need to be removed immediately. This vehicle was sold. There is no balance. This account is reported inaccurately on Transunion, XXXX and XXXX. These need to be removed.

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 2023-03-09 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 
The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: IL

Complaint narrative:
I am a victim of identity theft. My personal information was used to apply for fraudulent accounts with XXXX XXXX. I have been severely affected due negative impact on credit score and reputation. This fraudulent information on my credit report has caused me damages.

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 2023-03-09 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: IL

Complaint narrative:
I am a victim of identity theft. My personal information was used to apply for fraudulent accounts with sofi bank. I have been severely affected due negative impact on credit score and reputation. This fraudulent information on my credit report has caused me damages.

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 2023-03-10 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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
In the year of 2021 my account was closed for suspicion of fraud simply because I funded a new account. I am just finding out about the CFPB and I am requesting an investigation into this matter. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
This servicer has many improprieties in the handling of the escrow/impound account of my property taxes and insurance premiums. Additionally, they are conducting escrow analysis more than once a year and radically changing my payments due to errors in their ability to divide by four. They are currently trying to collect for an insurance premium for the whole building as if it were the premium for each unit. ( There are four loans because each unit has its own parcel number. ) Additionally, in flagrant disregard for Fair Debt Collection practices, they call without identifying that they are a debt collecting and are attempting to collect a debt. They also do not reveal they are recording their calls. ( Seems unlikely that they are not. ). I continue to send them the payments I made the first 9 months of this year of the loan. Today they called and I said I had mailed the payments and rather than thanking me and making a note that I had made the payments, they began to argue and harass me that there was no evidence of payment on their end. 

This is the third mortgage servicer that violates federal law and they don't care anymore than XXXX aka XXXX XXXX who has also been sued over and over. When is this goisng to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been unable to retrieve a credit report and a credit score through Equifax and it has gotten me so irritable and very upset. I need them to send me a copy of both my score and report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
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 a open end consumer credit plan as late on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: ONLINE Information Services, Inc.
State: MS

Complaint narrative:
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 a open end consumer credit plan as late on purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXXXXXX XXXX XXXX {$1500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$660.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$350000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$100000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I recently opened this card. I had been making payments online and experiencing issues logging into their website. 

My XXXX payment was a few days late and the card company called me multiple times without leaving messages throughout the day. I was upset at the incessant calls with no urgency to leave me a message so I shot off the payment online and a message to their customer care on XX/XX/2023. I titled the message Stop Calling me and put in the body of the email that they should try to ensure that their payment systems online were more dependable. I never indicated that this was a cease and desist and I never would have sent the message at all if I had known that the company would take the extreme measures that they have and actually place this irremovable mark on my account without even confirming with me that was what I asked for. 

As a result, the company will not allow me to use the credit and will not remove the hold. They are not accepting responsibility for the rash decision that their employee made in assuming that I would want my entire account turned off by what I titled a quick email. 

I acknowledge that I was upset and should have refrained from sending the communication but the response from Comenity is far more irrational that my own irritated response. In fact, they want me to close the account and reapply which will adversely affect my credit score. This is unacceptable to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened the account in XXXX. Setup autopay to full pay balance. Autopay ran twice, overpaying account by {$3800.00}. The XXXX to XX/XX/XXXX2023 statement started with that ( credit ) amount and contained a {$25.00} interest charge. I wrote 2 secure notes and 1 phone call. TD refused to refund the interest. The XX/XX/XXXX statement had an ending balance of {$1600.00}, with a payment due date of XX/XX/XXXX2023 ( see attached ). 
On XX/XX/XXXX, I paid {$2200.00}. With {$1500.00} in purchases, this left statement balance of {$450.00}. There were no interest or fees on the XX/XX/XXXX2023 statement. 
I feel that interest charge was unjustified, maybe illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09 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: TX

Complaint narrative:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 
The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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 EXPRESS COMPANY
State: TX

Complaint narrative:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 
The XXXXir Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation