vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OZK
State: TX

Complaint narrative:
i opened Bank OZK account located in XXXX, TX under promotion of XXXX $ ( XXXX $ for checking and XXXX $ for savings ). 
The banker opened a wrong type of amount by mistake although i told her that i need bank ozk interest+ checking account which was eligible for XXXX $ total bonus. 
but she opened another account by mistake which was only eligible for XXXX $ total bonus. 
She immediately rectified the account to desired one which was interest+ checking account. 
She also mentioned not to worry because correct bonus amount will be credited total of XXXX XXXX 

Later i was just given total XXXX $ bonus instead of XXXX $ XXXX have already spoke this issue with the correct bank location for XXXX weeks now. Bank mentioned that they are looking but can not be promised of the missing bonus. But i still haven't received the rest of XXXX XXXX 
by this complaint, i am expecting the rest of bonus amount of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: OH

Complaint narrative:
On XX/XX/XXXX I was alerted by Experian that XXXX XXXX  HAS REPORTED A COLLECTION of {$3900.00} ON MY CREDIT REPORT WHICH IS A COMPLETE LIE. THEY STATE THAT THE ACCOUNT WAS OPENED IN XXXX OF 2022. Its a lie. I havent opened any new accounts. It is doing unfair practices of re-aging accounts which is illegal in numerous forms. I disputed this With Experian and they came back in less then 48 hrs claiming it was verified which it clearly isnt. I want this collection removed from all of my credit reports and want to take them to court for re-aging.

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 2023-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: Self Financial Inc.
State: MD

Complaint narrative:
It has come to my attention Self-Financial , Inc. is reporting certain payments as late : Account # XXXX : Self-Financial, Inc. reports to the 3 major credit bureaus as 30 & 60 days late in XX/XX/2020 & XXXX. 

Account # XXXX : Self-Financial , Inc. reports to the 3 major credit bureaus as 30 days late in XX/XX/2020. 

According to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ), the following should be excluded from any consumer report : The report containing information solely as to transactions or experiences between the consumer ( myself ) and the person ( any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ) making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting a credit card account on my credit reports that are NOT mine. I have reached out on several occasions requesting proof that I am an officer or owner of the corporation who the account was opened for. They have yet to provide such proof. In addition their employees are misinforming and breaking XXXX  policies listed on their website. Only an owner, officer of the company or officer with POA can open an account. I have also written to the credit bureaus requesting this account be removed from my credit report as it has damaged my EXCELLENT credit history.

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 2023-02-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX bank is reporting a credit card account on my credit reports that are NOT mine. I have reached out on several occasions requesting proof that I am an XXXXXXXX or XXXX of the corporation who the account was opened for. They have yet to provide such proof. In addition their employees are misinforming and breaking CHASE policies listed on their website. Only an XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  with POA can open an account. I have also written to the credit bureaus requesting this account be removed from my credit report as it has damaged my EXCELLENT credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: FL

Complaint narrative:
XXXX XXXX  is reporting a credit card account on my credit reports that are NOT mine. I have reached out on several occasions requesting proof that I am an officer or owner of the corporation who the account was opened for. They have yet to provide such proof. In addition their employees are misinforming and breaking CHASE policies listed on their website. Only an owner, officer of the company or officer with POA can open an account. I have also written to the credit bureaus requesting this account be removed from my credit report as it has damaged my EXCELLENT credit history.

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 2023-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
My original lease was with a different company that sold my lease to another company. The information listed was incorrect. It was joint lease where I was listed as the co-borrower. The other company that the lease was sold to had my car repossessed. I was unable to gather any information on the vehicle due to them listing me as the co-borrower when I was the original borrower. I did not sign a contract with the company whom had bought my contract from the previous company. I do not believe this should remain on my credit which has made it impossible for me to attempt to get another car lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX IXXXX # XXXX, XXXX XXXX # 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 2023-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Around XXXX of XXXX I was on a forbearance with Wells Fargo due to being on an unpaid leave from my employer during Covid. In or around XXXX of XXXX I was allowed to go back to work so I called Wells Fargo to make arrangements to start making payments to get caught up on my mortgage. During this conversation to Wells Fargo with XXXX XXXX, I inquired about refinancing. She informed me that once I was caught up that I could refinance, or if I paid my outstanding payments in a lump sum I could refinance once payment had been processed. I chose to pay a lump sum to take advantage of the lower interest rate. In or around XX/XX/XXXX I'd paid the lump sum and had started my application. Once the application was completed I received a call from XXXX XXXX XXXX and she informed me that I would not be able to refinance, even though she previously said I would be able to and all of the correspondence that I'd previously received about my forbearance said that I could. I asked why and she basically said that because of my previous forbearance I wasn't eligible. I was disappointed but dropped the matter, as I was so exhausted from having previous issues with Wells Fargo. Also, Wells Fargo bought my loan from XXXX XXXX so it was not my choice to do business with them. 

Fast forward to this month I'd started to hear about other customers dealing with this same matter, so I decided to see if I could get a better answer as to why I could not refinance. On XXXX XXXX I was initially told that there was no record of a refi, and later that it was not Wells Fargo who denied the refinance but XXXX XXXX, because it was a VA loan. I was also told that Home Mortgage Consultant ( HMC ) XXXX XXXX would give me a call back in 30 minutes of that call to give me further clarification but she never called me back. I called XXXX XXXX to inquire about the denial and they had no record of it. 

My concern is that I was wrongfully denied refinancing and subsequently have missed out on significant savings on my mortgage. Based on my credit rating, payment history, debt to income ratio, I was/am more than qualified for the lower interest rate at that time of 2.75 %. 
I have a complaint in for escalation, reference # XXXX but I don't expect to hear much back.

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 2023-02-11 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: MO

Complaint narrative:
XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within 30 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the XXXX bureaus, below i have listed them out for you. 

XXXX XXXX XXXXXXXX  Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX 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 2023-02-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I visited a Capital One " cafe '' branch in XXXX XXXX, XXXX, MA in order to resolve a freeze that had been placed on my saving account 3 months prior. ( I filed a separate complaint about this issue earlier today ). 

As I spent months trying to resolve the issue with Capital One, and they still would not remove the freeze on my account even when I went to this branch in person to verify my identification today, I demanded that they return my money from their savings account ( {$15000.00} ), which I had transferred from my bank account on XX/XX/XXXX. 

The Capital One representative told me they could not send the money back, would not explain why, and said I had to get the money back by going to my bank and asking them to retrieve the funds from Capital One. 

In essence, Capital One has held my money in this savings account for 3 months, have given me NO interest on it ( they advertise 3.4 % APY on this account ) and is not sending my money back to my bank account from where it came. I feel they are holding my money illegally. 

I have attached a bank statement which shows the {$15000.00} transferred out of my other bank account ( XXXX XXXX XXXX ) to Capital One on XX/XX/XXXX. 
I've also attached XXXX statements from XXXX and XX/XX/XXXX by Capital One showing the money in my savings account there and zero interest accumulated. 
Capital One has not provided me a XX/XX/XXXX statement still for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Good afternoon. 
Reference ID : XXXX I want to file a complaint because my account was restricted and closed for no reason. I accepted payment for programming, coding and other projects, but they closed it and did not give me anything to explain. Please consider my appeal and give a serious answer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffere

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 2023-02-11 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: TX

Complaint narrative:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX, Equifax and XXXX is reporting late payments on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX and/ or XXXXXXXX is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX, Equifax or XXXX written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
The are reporting incorrect information about me. Slandering my credibility

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: FL

Complaint narrative:
My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around XXXX XXXX last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ATTORNEY GENERAL- XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX and experian credit reporting agency XXXX to report improper payment information and violate 15 usc 1681 ( a ) and for years make up information about payment history that decreases my credit score. they have for over 5 years never corrected it. They continue to report 11 late fees no matter how much time passes or when others fall off they just magically change the payment history. Please help im ready to file a lawsuit for years of oppression. i have contacted them about the inccorrect information and experian continues to let them report even though they have caught them several times reporting inaccurate information. Other companies have removed them totally for this action. But experian continues to allow them to report and harm my credit report as a way of retaliaton. Please help stop my pain and suffering.

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