vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CO

Complaint narrative:
I opened my business, personal, and savings accounts with US bank back in 2022, in order to have an account that I can do my business through, to make a growing legacy for my family. I was getting paid through sales that are made for products that a variety of companies/businesses are buying as my XXXX XXXX supplies me with invoices regarding the transactions. I then would verify the transaction by calling the customer to talk about the sale. I would then take some of the money out of my account in order to pay vender 's that I need to pay in order to send the customer their products they purchases. 

About a week before XXXX of 2022, US bank froze all my accounts when I had over {$500.00} in both my regular checking, and business accounts. I also had {$800.00} in my Savings account, once they froze my accounts, they told me they were doing some kind of internal investigation on my accounts that were NOT a part of the US bank XXXX XXXX department. It was being investigated by a team that they would not disclose information with me about, nor have they ever told me anything they found ( if anything ). I have called them to talk with the branch manager, and continue to wait for a call back that I have not received as I asked for correspondence regarding any paperwork regarding where the remainder money that was in my accounts went? 

I and many others around me feel that US bank broke my trust with them as they took my money, did not contact me regarding why or what they did with any of my remainder balance. They continue to call and harass me trying to get me to pay for a bill that I have NO information about, they haven't sent me anything about it, and they still call me to try to collect a " so called '' credit card bill that I had with them when I was a customer, I was paying it, and nothing was wrong, Now that after the accounts are all closed, they still send me email messages to view my statements when I can't log on the the portal to check anything because they blocked me from being able to do so. They won't send me anything in my mail to correspond any information regarding this " so called '' debt. 

I believe that with the XXXX XXXXXXXX that they took from my accounts when they closed them, should have been paid toward the credit card that is in question, and my remainder balance would have been sent to me in a cashier 's check. 

Thank you ; 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 explanation
Consumer complaint received 2023-01-11 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: AL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
I was in a covid forbearance program and have resumed payments. This company has locked me out of my web account and will not answer their phones. I've tried over XXXX times to call XXXX different phone numbers and can not get help. I finally received a loan modification packet and returned it. I started and completed XXXX trial payments and was awaiting final loan mod paperwork when I received XXXX separate letters of " Intent to foreclose '' THIS LOAN IS NOT IN DEFAULT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: NY

Complaint narrative:
According to credit Act 15 USC 1681B permissible purpose of consumer reports. This law states in general that unless a consumer reporting agency has your written instruction they are not to furnish anything to your report. I did not give consent which is written instructions an also credit Act15 USC 6802 obligation with respects to disclosure of personal 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 2023-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I made phone calls on XXXX  occasions to get the information required, but tossed back and forth by different representatives. 

I sent them a fax regarding the requested document but still has not received any response.

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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
E-mail was received from affirm to confirm that autopay has been enabled. The last one was on XX/XX/2022. However " affirm '' did not debit my account on the mentioned date to get the available funds that were sufficient. Since then, they never call or send an email regarding a recall for payment, neither to notify a late payment.This lack of communication can put the clients in a really bad situation regarding their credit. I wish that they resolve this issue for a better consumer experience!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: VA

Complaint narrative:
according to the fair credit reporting act, the list of accounts have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account name : XXXX, Account Name XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX XXXX  XXXX, Account XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX, Account Name : 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 an account without my written instructions. 

15 U.S.C. 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 items of information, other than records of convictions, crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I XXXX XXXX XXXX XXXX HAVE CONTACTED EQUIFAX INC. CONSUMER INFORMATION AND HAVE DISPUTED THE SAME INQUIRIES FOR AN ENTIRE YEAR WITH NO RESULTS.

I HAVE SENT DOCUMENTS THAT EQUIFAX INC. HAS INSTRUCTED ME TO SUBMIT OVER AND OVER AGAIN REVISING THE DOCUMENTS EVERY TIME.

I HAVE INFORMED EQUIFAX INC. 'S FRAUD DEPARTMENT AND SPOKE TO AT LEAST XXXX CONSUMER ASSISTANTS AT EQUIFAX INC. CONCERNING MY EQUIFAX XXXX CONSUMER CREDIT REPORT INFORMING THEM THAT I AM A VICTIM OF THESE CREDIT INQUIRIES. SO NOW I AM TURNING TO THE LAW THAT IS ALLOWED BY THE ( FCRA ) AS WELL AS THE ( CFPB ). 
THE FRAUDULENT INQUIRIES ARE XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NC

Complaint narrative:
I applied for a loan at this company around the end of XXXX and was approved for {$960.00}. I had XXXX more payment of {$270.00}. XXXX payments have already been deducted from my XXXX  account. I called XXXX minutes ago to speak to an agent and I stated that I have more more payment of {$270.00} and she tells me no, you have a total of XXXX payments totaling over {$2000.00} No maam and I need to speak with a supervisor but they all are busy. 
THIS IS STEALING and extortion. 

PLEASE HELP ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/2023, I visited PNC BANK to extend credit in relations of purchasing an automobile. I informed the teller that I wanted to first deliver my disclosures, and to exercise my Rights under 15 USC 6802 ( b ) before completing the credit application. I explained that I was opting out from having all non personal information of mine being shared with any non-affiliated third parties. The teller then informed me that I would not be able to complete this transaction because its company policy that my non personal information will be shared with non-affiliated third party 's. The teller informed me that it is company policy to share my non personal information to the consumer reporting agency 's, which are non-affiliated third parties to this transaction. At the conclusion of this conversation, I Informed the teller that it is my federal Right to opt out from having my non personal information disclosed and I should not be denied the opportunity to do business with this financial institution because I have exercise this Right. The teller stated that he is sorry, but he must uphold and follow company 's policy first. I then informed him that company policy is not law, nor does company policy trump/supersede federal law. I was then asked to leave the facility by the teller and I was escorted outside by the security guards. CFPB, please assist me in this matter, I was denied services because I chose to exercise a federal Right under law. A consumer should not be denied service because they're choosing to exercise their Rights, this is discrimination. Please help assist, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: SC

Complaint narrative:
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 account number # # # # # # 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 an account without my written instructions.

15 U.S.C 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 convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: VA

Complaint narrative:
according to the fair credit reporting act, the list of accounts have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account name : XXXX, Account Name XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX, Account Name : 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 an account without my written instructions.

15 U.S.C. 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 items of information, other than records of convictions, crimes which antedates the report by more than seven years.

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

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 2023-01-11 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: VA

Complaint narrative:
according to the fair credit reporting act, the list of accounts have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account name : XXXX, Account Name XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX XXXX  XXXX, Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : 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 an account without my written instructions.

15 U.S.C. 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 items of information, other than records of convictions, crimes which antedates the report by more than seven years.

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

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 2023-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
They refused to stop calling me. They have even called my sister, who is not responsible for the bill. Lied and said they only called her once, when they called her three times. Tried to ask for a physical bill to ensure they arent scammers and they absolutely refused. Called from several different numbers to make it look like they were someone else. The person was extremely rude and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have filed a dispute with Comenity Bank on XX/XX/XXXX. Dispute # XXXX. BJ 's Credit card. 
On Sunday, XX/XX/XXXX, I tried to use my card. It was declined at store. 
Came home to call customer service on XX/XX/XXXX. They indicated that my bill was no paid. I believed that my payment was lost in mail and agreed to pay bill immediately over the phone with current balance. I always pay my bills in full. Next day I went to my bank at XXXX XXXX XXXX to put a stop payment on check. At that time they indicated to me that the check was cashed by Comenity Bank on XX/XX/XXXX before due date. 

On XX/XX/XXXX, I called and filed dispute. On XX/XX/XXXX, I was told by Comenity Bank the only way to reach them was by mail. So I mailed them a letter with dispute # and account information explaining the situation. Also included copies of my bank statement and copy of the bank transaction detail that indicated check #, trace number, account #. Transaction #, Status, Queure/application, Description check payment to Comenity Card accounts.

I have called several times since called Customer Service Dept. They keep saying that they have 90 days. Also indicated that we can not speak to anyone in the dispute department only mail. They have no information other than a dispute was filed and they did receive my letter on XX/XX/XXXX with the information I mailed. Only received XXXX letter from the Dispute department dated XX/XX/XXXX that they will notify me of the finding. 
Customer service is no help. It will be 90 days on Sunday, XX/XX/XXXX since I filed the dispute. As of today, have only XXXX correspondence from Comenity Bank dated XX/XX/XXXX. 

The last call I made was on XX/XX/XXXX -only spoke to Customer Service again. Asked for XXXX XXXXgot same answer they have 90 days. Asked as a consumer what can I do. They said nothing. Just have to wait or contact dispute department again by mail. 

I don't understand how a bank can keep your money for 90 days? When information was given to them that proved that they cashed check?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11 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: CO

Complaint narrative:
Series of events : XX/XX/XXXX, Received an email from Capitol One informing me that my payment was due on the XXXX and requesting a payment to avoid a late fee. I did not check my email until XX/XX/XXXX. 
XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX : Contacted Capitol One and made an XXXX transfer to pay bill in the full amount, {$80.00}. Asked why I never received a statement in the mail and was informed I was on paperless, which was a lie. Asked for my late fee to be suspended. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Received my statement in the mail. 
XX/XX/XXXX : Reviewed my statement online and saw a late fee charge of {$25.00} for XXXX statement. 
Conclusion : I didn't receive a statement in the mail until XX/XX/XXXX for a bill with a due date of XX/XX/XXXX. This seems like a scam, and I believe the late fee should be removed. I wonder if other people have had this problem. Thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
After I file a complaint regarding Carrington Mortgage 's deceptive act to CFPB. Carrington Mortgage summoned a Court Order to me on XX/XX/XXXX, to foreclose on my Home. The actual Court Order is dated 2 months before the enforcement actions ordered on XXXX  on XX/XX/XXXX. Subsequently, my wife is leaving the property in fear of being homeless. Is that a legal Enforcement Action?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
I was scammed through XXXX by a man claiming his name was XXXX XXXX XXXX. He used the late XXXX XXXX pictures. I wire transfer him {$12000.00}. He has disappeared from my social media and has disconnected his number. I posted my situation on favorites and someone saw and has contacted me letting me know her XXXX XXXX XXXX mom is being scammed by the same person. 
The bank can not help me regain my money

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 2023-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: FL

Complaint narrative:
I took out a loan for {$1200.00} and have made payments now {$3800.00} and the principal on the loan is still higher than the original amount borrowed. The current payoff amount for the loans after all the payments that have been made so far is {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I XXXX XXXX XXXX XXXX HAVE CONTACTED EQUIFAX INC. CONSUMER INFORMATION AND HAVE DISPUTED THE SAME INQUIRIES FOR AN ENTIRE YEAR WITH NO RESULTS.

I HAVE SENT DOCUMENTS THAT EQUIFAX INC. HAS INSTRUCTED ME TO SUBMIT OVER AND OVER AGAIN REVISING THE DOCUMENTS EVERY TIME.

I HAVE INFORMED EQUIFAX INC. 'S XXXX  DEPARTMENT AND SPOKE TO AT LEAST 50 CONSUMER ASSISTANTS AT EQUIFAX INC. CONCERNING MY EQUIFAX INC. CONSUMER CREDIT REPORT INFORMING THEM THAT I AM A VICTIM OF THESE CREDIT INQUIRIES. SO NOW I AM TURNING TO THE LAW THAT IS ALLOWED BY THE ( FCRA ) AS WELL AS THE ( CFPB ). 
THE FRAUDULENT INQUIRIES ARE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation