vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
In XXXX of 2022 Bank of America closed my business banking account and there was a deduction of {$15000.00} with a note saying " Account Closing Transaction ''. I scheduled an appointment with Bank of America on XX/XX/XXXX to figure out why there was a deduction from my account and where the funds were at. I met with XXXX XXXX in the XXXX, Utah location. I spent a couple hours with XXXX on the phone with different departments and we spoke with someone in the recovery department XXXX and they said that the account was closed and the account closing transaction was Bank of America sending me the balance in the account via check. I told them I never received the check and they said they were going to cancel that check and send a new one out that day and that I would receive it in 10 business days. I waited the 10 business days and still never received a new check. I called the XXXX provided above to figure out what was going on XX/XX/XXXX and spent over XXXX hours on the phone, I was transferred multiple times and they told me a check was never sent out and my account was under review. I asked if I could speak to a manager and they sent me to XXXX when I asked him if I could have his employee number, last name, email, direct line, etc.. he said no, that they don't give that information out. He said he would put a note on my account and I would need to call the XXXX number back in XXXX business days to get an update. I asked if someone would be contacting me and he said no, I would need to call in. I emailed XXXX on XX/XX/XXXX telling him what was going on and received an email back on XX/XX/XXXX, I responded back the same day and haven't heard anything since ( see attached ). I'm sick of getting the run around. They are holding my $ XXXX without any reasoning and I want my money back. They are also saying I now owe them {$1000.00} because my account has been overdrawn for months. This message was sent to me on XX/XX/2022 and it was the first notification I received for my account being overdrawn. There is a huge miscommunication. I told them I would be happy to pay the $ XXXX but I want my $ XXXX back first.

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 2022-07-25 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Recurring charges on my American Express credit Card. Called A.E. my cards was being charged by XXXX for computer security that I never had knowledge of. I requested to cancel my card. A.E associate asked me not to cancel but he would report it stolen. He assured me this would never happen again if I received another card with a different card account number. Well, a few months later another charge form XXXX ( Computer Security ) I never had no knowledge of on my account. When I called A.E. again they told me they do it as a courtesy! Come to find out this has been the third year for this charge. I have never purchased XXXX or XXXX in my life. Pay all my purchases except the XXXX Charge and closed my Account! They got me for over {$400.00}. I told them NO more after the first call!! And they did it AGAIN after I said NO!!!! American Express reported me to the Credit Bureau. I had an American Express XXXX Card close to 40 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Following a massive mess when doing a planned system update, my BJs Perks account with Comenity Bank did not reflect my payment of {$900.00} - made several days prior to the due date. I sent a message to Customer Service and received no response. Subsequently, I was incorrectly charged a late fee and interest. I called Customer Service, which was of no help, telling me to check back in a few days. 

I have seen many, many stories similar to mine posted on social media, all finding no relief or resolution. Comenity needs to be held to account and repair the errors to customer accounts ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 2022-07-25 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: OH

Complaint narrative:
I AM FURIOUS!! WHY IF MY PAYMENT IS POSTED TO MY ACCOUNT AND IT SAYS MY AVAILABLE CREDIT IS A CERTAIN AMOUNT WHY AM I LOCKED OUT OF MY DARN CARD AND CANT USE IT? YOU HAVE RECEIVED MY PAYMENT. YOU HAVE POSTED MY PAYMENT BUT YOUR HOLDING MY AVAILABLE CREDIT " HOSTAGE ''??!! UNTIL " YALL FEEL LIKE IT? '' XXXXMMENITY RECEIVED MY PAYMENT OF : {$3100.00} ON XX/XX/2022!! POSTED THE PAYMENT TO MY ACCOUNT ( SO IT CLEARED THE BANK ) AND MY ACCOUNT SHOWS I HAVE {$2100.00} AVAILABLE CREDIT BUT YOU ARE NOT RELEASING THE MONEY UNTIL YOU FEL LIKE IT?? THEN REFUND MY PAYMENT AND I WHEN YALL DECIDE TO RELEASE MY AVAILABLE CREDIT THEN I WILL SEND THE PAYMENT IN! YOU CANT ACCEPT PAYMENT THEN NOT RELEASE THE FUNDS!! THATS STEALING!!! 

EITHER RELEASE THE HOLD ON MY LIMIT OR IM CONTACTING MY ATTORNEY AND FILING THEFT CHARGES!! COMMENITY BANK BASICALLY TOOK THE MONEY FOR MY PAYMENT, APPLIED IT TO MY ACCCOUNT BUT SAYING, " BY THE WAY, U DONT HAVE ACCESS TO THE ACCOUNT? AND THE ACCOUNT IS STILL OPEN??? XXXX XXXXXXXX XXXX XXXX IF MY FUNDS ARE NOT RELEASED AS OF THE DATE MY PAYMENT CLEARED WHICH IS DAYS AGO, I AM CONTACTING MY ATTORNEY TO FILE THEFT CHARGES AGAINST YOUR BANK!! ND ALSO THEFT BY DECEPTION!! YOU TELL ME TO MAKE A PAYMENT, I MAKE THE PAYMENT, YOU CLEAR THE PAYMENT BUT I HAVE NO ACCESS UNTIL YALL DECIDE TO RELEASE MY MONEY???? I THINK NOT!! I WILL ALSO BE FILING A COMPLAINT WITH THE, CONSUMER FINANCIAL PROTECTION BUREAU TO ADVISE THEM OF THIS " PRACTICE '' OF YOURS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I authorized my bank to send a lump sum payoff to Capital One. It was my intent to complete payoff the card. After my payoff was issued, Capital One still showed an interest charge of {$34.00}. I contacted the company to respectfully request waiving this charge since it was my error, I was not aware that I had to call in for a payoff amount. 

The company after many attempts to request waiving this small charge based on my many years of excellent payment history, they appear to be unwilling to waive this charge, even though they are fully aware of my effort to completely pay off my account. I spoke with a XXXXXXXX XXXX  XXXX - XXXX on XX/XX/2022 and she told me she had full authority to make decisions on this account. She decided not to waive this {$34.00} charge. 

Please work with Capital One on this matter to resolve it. 

Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I started a transfer to my niece XXXX XXXXXXXX for {$2900.00} to be converted to XXXX BRL. They took the money out my account on XX/XX/XXXX and on XX/XX/XXXX they told me that it had been delivered into her account. I sent a message to my niece to make sure the transfer had gone through. It had not. XXXX got online with Remitly to tell them this. The told me they would look into it and get back to me. For several weeks I would contact them to get answers and for them to find my money and complete the transfer. Always they would ask me to wait 24, 48 or 72 hours while they look into it. Last week told them that I had enough and for them to just give me my money back. Still the same answer as before, please wait 24, 48 or 72 hours. Finally I told them if they couldnt take care of it I would contact the CFPB. After that they started calling to say that they are working on it. But each time they call its still the same. Please wait. We are waiting for our partner bank to get back to us. Its been four weeks since they said it was delivered when it hasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XXXX XXXX 2021, there is a hard inquiry made by Discover Financial Services. I have contacted the company with the number provided on my credit report. The company has told me that they have no information regarding that date or that someone used my information to take a loan out/credit card. I called XXXX to see if I can take the hard inquiry out. XXXX said have to make a report with the Federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 2022-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
The credit Card was issued by XXXX, Account Number Ending In : ( XXXX ) in the Balance of {$3700.00}, and the account was sold to Midland Credit, with the help of XXXX the account was negotiated and settled on XX/XX/2021, in the total of {$1800.00}. 

Midland Credit shows this amount under collection in my credit report, I tried to resolve this issue but unfortunately getting no where,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX sets of fraudulent transactions involving my checking account both of which were reported to the Capital One. First set are unauthorized ATM withdrawals apparently completed while my card was not in my possession, dates and amounts as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. 
{$180.00}, {$240.00}, {$260.00}, {$330.00}, {$210.00}, {$300.00}. When I discovered these, I froze my ATM card and reported to the Capital One on XX/XX/XXXX. 
Second set for XXXX debit.transactions with the description XXXX XXXX XXXX all completed on XX/XX/XXXX for the amounts of {$50.00} {$40.00} {$75.00} {$120.00}. These were reported to Capital One as soon as I became aware of them on XX/XX/XXXX. No further information was requested by Capital One regarding any of these XXXX sets of unauthorized transactions. 
I received XXXX letters dated XX/XX/XXXX stating the investigation has been completed. Account records and transaction information available to us do not support a claim of unauthorized activity. Documentation used to decline your claim was based on/or includes the following : previous history with disputed merchants, account logins corresponding with timeline, and or location of disputed transactions, account activity, transactional history, phone calls and logins. As is my right, I requested copies of the documentation used to make the decision. I received a response to this request via email which consisted of a copy of my bank statement for the month of XX/XX/XXXX with no other accompanying documents or explanations. There was however a statement attached stating " We've thoroughly addressed your inquiries and won't be responding to future communications regarding this dispute '' Going forward Capital One has refused to engage in any further discussion or provide any additional information/documentations regarding these fraudulent transactions. I requested that all of my bank accounts with Capital One be closed, but they refused to close my checking account because they wanted to be able to reverse all the provisional credits that I was given for the unauthorized ATM transactions, which has now put my account into a negative balance for which they are attempting to collect interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: TX

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has 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 non-monetary relief
Consumer complaint received 2022-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under XXXX USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
I applied for a XXXX XXXX XXXX from XXXX on XX/XX/2022. 
I went through their online application that asked myriad questions regarding the property and primary mortgage was automatically found and pulled into the application. 
I read the disclosures prior to authorizing a hard inquiry of my credit report. 
The home equity loan was automatically approved for {$200000.00}. 
However on XX/XX/2022, I find that Discover will not issue the XXXX XXXX loan for single family homes on more than 20 acres or manufactured home ( even though converted to real property with the State of Nevada ). 

I talked to Discover Home loan representative and supervisor at Discover. 
The supervisor ran me through their website where, after 6 pages of drilling through various web pages not referenced in the online loan application, the following statement was seen : You can apply for a home loan from Discover using a home you own and live in as your primary residence. This residence must be a single family dwelling. Eligible property types include single-family homes, condominiums, townhomes, and Planned Unit Developments ( PUDs ). Other properties, such as investment properties, manufactured homes, commercial properties, log homes, trusts, and properties larger than 20 acres are not eligible at this time. 

At no point in the online application was this information prominently referenced nor the applicant directed to view, nor was this information displayed in their disclosure available prior to authorizing a hard inquiry for credit report. 

Discover obtained my consent to perform a hard credit inquiry where there was no possibility they were ever going to issue the XXXX XXXX loan. 

Discover.com home equity loan representative and supervisor refused to remove their hard inquiry from my credit report after leading me to believe, as a reasonable user of their online application process, that they would issue a loan if I passed their credit profile test which required consent to a hard credit report inquiry. 

If Discover had disclosed in their normal application process that manufactured or large acreage was not eligible, or if the application itself had questions relating to whether it was a manufactured home or property was larger than 20 acres, either the loan application process could have been cancelled by either discover or myself without having a hard inquiry reported on my credit bureau account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: LEXISNEXIS
State: TX

Complaint narrative:
XXXX XXXX, 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation