vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account was closed due to a negative balance. I went to deposit money at the banks ATM, {$4600.00} dollars worth, and the machine ate XXXX bucks and spit the rest out. I went inside and they informed me my account was closed, but gave me the info to call about the machine keeping {$300.00} dollars. I called their service, and they informed me theyd credit my account and give me access to pull the rest out ( after covering the negative balance or course ). However, I went to withdraw it as theyd told me to on the phone, and Im still locked out of the account completely. So there is currently over {$200.00} dollars in the account I cant withdraw or access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
My loan was sold to Roundpoint Mtg. It was already impounded. I received some letters regarding my insurance but I did not respond since my account was impounded and they make the payment for me. Roundpoint needed the declaration page of my insurance to make the insurance payment. They had the insurance information ( who my insurance company was etc ) so I assumed they would call the insurance company. My insurance company had not ever changed. Roundpoint didnt call the insurance company and they didn't call me. Roundpoint did nothing and let my homeowner 's insurance lapse and then force placed their own insurance on my loan. This force placed insurance only covers my dwelling, not any contents of my home. I also live in a very high wild fire area, so now my property is at risk. My previous insurance was at a good premium because I was grandfathered in. Since the insurance lapsed, I had to look for other insurance and consequently have to pay and additional {$1600.00} per year now for the new insurance. I have requested that Roundpoint close my escrow account and I will pay my own taxes and insurance. I do not trust them to pay my insurance for me. This could all be avoided if they would have simply called the insurance company themselves and got the information needed. They said they will not closed my impound account because I had a lapse in my insurance! A lapse they caused! They can't close the impound account until they receive my new insurance information, which I am in the process of doing right now. Then my request to close my impound account will need to be reviewed. I want to be assured my request will be granted since this all could have been avoided if they had only called the insurance company.

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 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Some of my accounts were closed unfairly and till today some of my money hasn't been returned to me. I feel i was being discriminately stereotyped. I have proof of my business partner sending me checks to buy materials for the renovations of the properties we were paid to do, When the first check came in on the XXXX of XX/XX/year>. My account was frozen, i went to the bank countless of times, i demanded answers from them, i was told to contact my business partner to contact them. He did contact them and sent all the proof to show that the money was sent by him, Hence, they refused to release the money, they closed my account, and they told me that they don't have my money with them. I contacted my business partner to ask if they had returned the money to him, he said no. I feel the bank cheated me and also closed my account unfairly. 

My other account was also closed because of another check that was sent to me on XXXX of XX/XX/year>. The bank manager told me the check bounced. I told my business partner about it ; he went to his bank to get a proof that the payment went through. On getting the proof, i took all the proof and confirmation from his bank to my bank, when i got there, they couldn't deny that they didn't have my money with them anymore, they wrote me a cashier 's check and my account was closed same day because i confronted them that they wanted to steal my money. 

I have series of events that my account has been closed because these people look down on me and they feel that i can have such money in my account. I have been abused mentally, whenever money comes into my account, it gets frozen and they ask me to come with proof, whenever i bring the proof, they still won't give me my money, upon that, they will close my account. I wish and hope this whole thing can get fixed soon. 


I'm going to attach the copies of the checks, letter of confirmation from my business partner 's bank to confirm that the monies were debited from his account. Only one of the banks released the money that was meant for the building materials, the other bank still has the money with them, and they have closed my account.

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 monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management repeatedly called my ex-wife even after she told them multiple times that we are divorced. They called from multiple different numbers, all times of the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Control, LLC
State: IA

Complaint narrative:
I recently pulled my XXXX credit report and noticed that it was accessed without a permissible purpose. I tried contacting the company to see why, but to no avail.

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 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
My son got a phone call on his phone stating they were trying to contact me about a debt. I called them back and was talked horribly. The debt in fact had been paid of With LVNV funding. We settled on an amount and I paid the debt. I then asked him to send me proof of ownership. And he just kept going back to I owed {$400.00}. This card was paid off in XXXX of XXXX. He then proceeded to ask me for proof, do you have proof you paid it off. Well of course not, I hung on to the letter they sent me showing the debt was paid in full for about XXXX yrs and then got rid of it. 
Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
I am writing to file a formal complaint regarding a collection account labeled FNB OMAHA XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

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 2024-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Marcus is up to their old tricks again. I've been trying to get all my money out of that place for over two weeks. Apparently, they don't like that because they continue to decline to execute my transfer instructions.

Three days ago I received a call from XXXX. She was very professional and very apologetic. She assured me that Marcus has resolved all their internal problems, my accounts would be immediately unfrozen, and my transfer requests would be honored going forward. That turned out not to be true. Today I received a call from a XXXX  individual who said his name was XXXX. He asked if I had authorized a {$22000.00} transfer to XXXX XXXX. I confirmed that I did. Then he asked me a series of questions which I dutifully answered correctly. Then he declared that he had decided to decline my transfer, refused to tell me why, and hung up on me. So, I called into their Security department and talked to XXXX, who claimed to be the XXXX of that department. I got the same treatment from him, interrupting me, then telling me I could not have access to my money before he hung up on me. 
I'm still trying to figure out why they called me. After verifying that I was the depositor and my intention was to transfer MY funds to XXXX XXXX, they still insisted on preventing my transfer instructions to go through. Makes no sense. Are they running low on cash over there?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
On or around the XXXX XXXX  XXXX I tried to open a checking account for XXXX XXXX at TD Bank in XXXX, Maine for a business. It's called XXXX XXXX XXXX, XXXX. 
I provided all information required and a check from the State of Maine for around {$5300.00} more or less. 

After that. Nothing. 
The bank manager said that the social security number I provided was " wrong '' and that I would not be able to access the money inside the newly created account. 

The check cleared however and almost month later, yesterday the XXXX XXXX  XXXX, a statement was received that the funds were available at the bank. 

When I went there, they again told me that I was not being allowed access to the funds. 

At this point I threw up my hands and told her to close out the account and give me a check for the money they have from the State of Maine. She then denied having them and when I told her about the statement she said it must be wrong. 

How do I get my money back and how do I " un-cancel '' my Social Security number? 
Am I being de-banked ''? Is debanking lawful? How can I prevent this from occurring in the future?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: CA

Complaint narrative:
Bank of America XXXX Merrill Lynch has decided to end our relationship without providing any explanation, and has frozen all of my accounts, refusing to provide me access to any funds. I have been a loyal customer for over 30 years, am a member of their Preferred Reward Platinum Honors program, have dozens of personal and business accounts with them ( checking, savings, credit cards, investment accounts, retirement accounts, etc... ). I have spent the majority of this week at the local branch trying to access my accounts, with the assistance of the branch manager, and every day ends with them telling me to come back tomorrow and try again. To make things worse, they are saying they will eventually mail me a check, weeks from now, for total value of my accounts, liquidating my investment accounts which will create a large taxable event for me, rather than allowing me to transfer the account to another institution.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I am not liable for this debt with XXXX XXXX I do not have a contact with NISSAN-INFINITI XXXX  , they did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a concerned consumer after looking at my credit report. I see many alarming mistakes with how you are reporting information about

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 2024-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

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 2024-05-24 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
Dear CFPB, This complaint alleges that the Department of Education ( DOE ) has violated the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in its collection of a student loan debt from me. 

Specifically, the DOE has : Failed to Provide Validation Information : In violation of 12 CFR 1006.34 ( b ) ( 5 ), the DOE did not provide me with the required validation information regarding the debt before placing a collection account on my credit report. This information is crucial for me to verify the debt 's legitimacy and dispute it if necessary.

Denied Opportunity to Dispute : Contrary to 12 CFR 1006.34 ( c ) ( 4 ) ( I ), I was not given a chance to dispute the accuracy of the debt before it was reported to credit bureaus. This right to dispute allows me to ensure the information on my credit report is accurate and protects me from potential errors. 
Used False or Misleading Information : The DOE 's actions constitute a violation of 15 USC 1681-S 2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ) by using false, misleading, misrepresentative, and deceptive means to collect the debt. They reported the debt without providing the legally required disclosures.

Disclosed Personal Information Without Proper Notice : The DOE allegedly violated 15 U.S.C. 6802 by disclosing my nonpublic personal information to a credit reporting agency ( CRA ) without providing me with a compliant notice under 15 U.S.C. 6803.

Furnished Report Without Consumer Authorization : Additionally, the DOE 's actions potentially violate 15 USC 1681 ( a ) ( 3 ) by furnishing a consumer report to a CRA without my explicit authorization for a credit or insurance transaction I did not initiate.

Potential FCRA Section 607 ( a ) Violation : The DOE 's interaction with the CRA might also be in violation of 15 USC 1681-B ( f ) by failing to ensure the CRA verifies the purpose for obtaining my report and limiting its use.

These actions by the DOE have resulted in : Damage to my Credit Score : The inaccurate or unverifiable debt has likely negatively impacted my credit score, making it difficult to obtain loans or favorable interest rates. 
Unnecessary Stress and XXXX  : The DOE 's collection practices have caused me significant stress and XXXX due to the uncertainty surrounding the debt and its potential consequences.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear CFPB, This complaint alleges that the Department of Education ( DOE ) has violated the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in its collection of a student loan debt from me. 

Specifically, the DOE has : Failed to Provide Validation Information : In violation of 12 CFR 1006.34 ( b ) ( 5 ), the DOE did not provide me with the required validation information regarding the debt before placing a collection account on my credit report. This information is crucial for me to verify the debt 's legitimacy and dispute it if necessary.

Denied Opportunity to Dispute : Contrary to 12 CFR 1006.34 ( c ) ( 4 ) ( I ), I was not given a chance to dispute the accuracy of the debt before it was reported to credit bureaus. This right to dispute allows me to ensure the information on my credit report is accurate and protects me from potential errors.

Used False or Misleading Information : The DOE 's actions constitute a violation of 15 USC 1681-S 2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ) by using false, misleading, misrepresentative, and deceptive means to collect the debt. They reported the debt without providing the legally required disclosures.

Disclosed Personal Information Without Proper Notice : The DOE allegedly violated 15 U.S.C. 6802 by disclosing my nonpublic personal information to a credit reporting agency ( CRA ) without providing me with a compliant notice under 15 U.S.C. 6803.

Furnished Report Without Consumer Authorization : Additionally, the DOE 's actions potentially violate 15 USC 1681 ( a ) ( 3 ) by furnishing a consumer report to a CRA without my explicit authorization for a credit or insurance transaction I did not initiate.

Potential FCRA Section 607 ( a ) Violation : The DOE 's interaction with the CRA might also be in violation of 15 USC 1681-B ( f ) by failing to ensure the CRA verifies the purpose for obtaining my report and limiting its use.

These actions by the DOE have resulted in : Damage to my Credit Score : The inaccurate or unverifiable debt has likely negatively impacted my credit score, making it difficult to obtain loans or favorable interest rates.

Unnecessary Stress and XXXX XXXX The DOE 's collection practices have caused me significant stress and XXXX due to the uncertainty surrounding the debt and its potential consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681.

Company response to consumer: Closed with explanation