vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Netspend Corporation
State: CA

Complaint narrative:
I won the small claim on XX/XX/2022, against the refund issue. The defendant net spend corporation did not pay me after 30 days of notice was mailed to them. I spoke to their manager and ask who can handle the payment. The manager did not know it. I can not collect my claim amount after I won the case. I need net-spend cor contact me asap

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 2022-10-13 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: DC

Complaint narrative:
What happened? 30 days has come and gone because of this, you must delete the items in questions as they are not correct anyway. Your failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that you only have 20 or 30 days to investigate this matter? 40 days has past and nothing from your company. Delete the accounts listed below or I will have to exercise my rights and file complaints with the XXXX, Attorney Generals Office, and the CFPB.

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My Repport there are many errors in my credit score that are almost XXXX points in less than a month that lowered what it has cost me so much work to upload. there are XXXX or more points of my score in my report, I am up to date with my payments, I have paid some in full and my credit score has improved. Here I am attaching documents so that you can check it and repair my score because it has already been several times in less than a month and a half to download a lot and I request that it be repaired, since they will not update their data and in the meantime I keep losing and downloading every day my score and my credit. Thank you.. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX snn. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Due to prior problems I setup AUTO pay with Freedom Mortgage. Every XXXX of month they ACH deduct my mortgage from my account. My XX/XX/2022 payment was deducted as usual. On XX/XX/2022 i received a credit back from Freedom Mortgage for the amount of the payment ( although it took time to research who it was ). I could not contact the company via website or phone, there sytem was busy and my login for the website said my loan servicing had been transferred. 

I never received any letter stating this would happen. And it was not on the website as of me investigating as of XXXX. I left several messages no answer. 

Subsequently i starting recieiving debt collecting calls from XXXXXXXX XXXX. I refused the first thinking it was fraud. I spent multiple hours on the phone " verify '' information. The tone of the calls was I didnt pay my mortgage when i had. 
Freedom mortgages letter states it would foward any payments after XX/XX/XXXX. But my payment was XX/XX/XXXX. It was sent back to me. 

Freedom mortgage didnt inform me of the transfer, it violated its own letter by sending the money back to me earlier than the later stated. This whole situation took many valuable hours as I work nights in healthcare. 
XXXX says they are hearing many complaints about Freedom with the same basic information. Freedom is not informing customers of changes in a timely fashion and RETURNING legal payments they have after they have cleared for days. 

XXXX has me down as late paying, even though Freedom processed the payment. And it will take weeks to be ashured i wont have a mark on my credit. 
People who pay their bills ontime shouldnt have to spend hours on the phone to research where there mortgage is sold to. And have to deal with the Former company witholding and diverting payments after made, and treat the people who paid ON TIME as if they didnt. Money was removed from bank on XXXX, it cleared then on XX/XX/XXXX a ACH was sent back to me refunding it. They never notified the new bank that I had paid on XXXX. The new bank XXXX made multiple calls to my work and home. Stating i have not paid my mortgage.

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 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I was given an American Express gift card in the amount of {$2000.00} from my employer. When I tried to use the card I discovered that only a few cents remained on the card. My employer received the gift card in a sealed envelope which he then gave to me. The card never left my home. The following charges were made : XX/XX/2022 XXXX XXXX XXXX MN XXXX {$25.00} XX/XX/2022. XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX {$21.00} XX/XX/2022. XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/2022 XXXX XXXX XXXX XXXX {$74.00} American Express was able to give me the information from the card number but basically said " tough luck '' that someone used my card. How do I know that it wasn't one of their employees since my card arrived sealed and unused?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On or around XXXX, XXXX I was receiving a lot of pre- approvals from XXXX XXXX XXXX At XXXX I ignored them but XXXX XXXX kept sending me different offers telling me that I was pre- approved for different consumer transactions such as, credit cards, financing a car or even pre- approvals for housing loans. I'm was getting pre- approvals for personal loans too. Every day I would receive multiple offers through XXXX XXXX and through emails from XXXX XXXX. I would see these offers every time I logged into my account, I would received new pre- approvals everyday. I started receiving so many offers through XXXX XXXX that I told my friends and family that we were finally getting an opportunity to XXXX in real estate, to XXXX in a XXXX care rental business, and to take a much needed trip. After a few months of being told I was pre- approved I applied for a personal loan and was denied. A few months later after being told I was still pre- approved I put my consumer report into the perfect score position to re- apply for another personal loan and 2 credit cards only to be denied again. I was so upset, I was very angry, and I felt misled, very deceived, and confused. I was marketed to for months and months and months. XXXX XXXX told me I was pre- approved and these were lies!! I became very angry, I was feeling annoyed all the time, upset, crying, I could not focus, I was physically ill with migraines, and in a state of disarray. I became withdrawn and unhinged from my favorite activities as well as from my friends, family, and from my job. I began to isolate myself as this affected my daily activities, my job, my friends, and to my family. Ultimately resulting in loss of employment as well as the break up between myself and XXXX. I still receive pre- approvals from XXXX XXXX XXXX day and this has had a negative reaction to how I make transactions in XXXX  today. Every time I receive a pre- approval from anyone especially XXXX XXXX I immediately freak out and my body will break out in sweats and hives. This experience has made me very uncomfortable, and unsure of my future. I have lost a job, a social life, my wedding, and not to mention a horrible consumer report and I only know this when I can muzzle up enough courage to even look at it, I don't even check my consumer report as frequently as I should because of this experience.

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 2022-10-13 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: FL

Complaint narrative:
I made my monthly auto loan payment to XXXX XXXX for XXXX on XX/XX/2022. The payment went through successfully and I received payment confirmation. The representative on the phone told me the payment would process immediately and reflect as paid. I had explained due to hurricane Ian I was unable to have the payment drafted sooner but made it before the 30 day. 

Now on XX/XX/2022 I received a notification from Experian credit bureau that my auto XXXX XXXX was 30 days late. Dropping my score XXXX XXXX. I have proof of payment that was made before the 30days. 

I spoke to ally and they said it will take 45days for a investigation and have it removed. I need this matter resolved sooner as Im in the process of purchasing a home. This was not my fault as the payment was made before the 30 days! This is negatively affecting me. Im suffering from stress due to XXXX XXXX error! 


XXXX Reference number : 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 2022-10-13 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: Grant Mercantile Agency
State: NV

Complaint narrative:
On XX/XX/2022 They are stating the amount owe {$2900.00} now the amount has increased to {$4400.00} I write have Grant Mercantile Agency requesting them in writing to send me a letter method of verification used in original contracts. As of today they have not sent me original contact signed. I sent round of letters the account still remain and have nor been fully validated. 
I am asking for help with your department to look into this. They have increased the amount monthly. This is hurting my credit a lot. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I opened a Capital One Walmart credit card in XXXX of XXXX. My son applied & received the same type of card. I added all of my children to my card as authorized users to help build their credit. I always paid on time & for the majority of time kept my credit usage under 10 percent. My son had a dispute with Capital One about one of his payments. Due to this Capital One restricted my card. I called them on XX/XX/XXXX when I discover the restriction via my phone app. They said it was due to him. I explained not only was I not listed on his account he was just an authorized user on my account. I told them to read what they have listed when adding someone as an authorized user. I also explained that he didn't have an obligation to pay on my card & vice versa. I told them to look at my account history. I also told them if he's the issue to just remove him as an authorized user because I was out of town & needed my card. The only thing I received from that XXXX min conversation was him being an authorized user being the cause of me not having access to my card. They also said I'd receive a letter in 7-10 business days regarding the restriction. I still made my payment on time. 
As of XX/XX/XXXX I hadn't received a letter. I looked at my app before calling Capital One & it still showed restricted. When I called I talk to someone briefly who told me my account was closed than I was transferred so I could receive further explaination. When the second repXXXX " XXXX '' got on the phone. I explained the situation again & never receiving a letter they said I would originally receive nor one stating my account had been closed. " XXXX '' told me that the " system '' closed my account cause of my son 's account. I asked why when I spoke with someone previously. I also asked why hadn't they tried to contact me or even give me the option to remove him if it was an issue to have him as an authorized user. He repeated himself again. I said, " You pulled my credit for me to get the card. You've never had any issues with me but you closed the card negatively impacting my credit for something I have no part of. Why can't you just remove him & cut my card back on? '' He said, " Your account is closed but you can reapply if your want. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: IL

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. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : T XXXX XXXX # XXXX XXXX Account name : Original Creditor # XXXX Account name : 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 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.

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.

15 U.S. Code 1666 - Correction of billing errors A creditor may not treat a payment on a credit card account under an open end consumer card plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On Saturday XXXXXXXX XXXX XXXX  I attempted to pay my monthly load amount of {$570.00}. The loan number is XXXX. 
According to the software it accepted a payment from my account ending in XXXX with XXXX XXXX. 
On Monday I checked the account, and the software said the payment was not made. I waited, and I again attempted to make a payment ending with my account ending with XXXX at XXXXXXXX XXXX 
Today I checked at the locaXXXX XXXX XXXX XXXXXXXX to see if the payment had been made. They said the money was taken out of the account ending with XXXX on XX/XX/2022. 
I was charged {$35.00} because of course I had transferred money from the XXXX account to the XXXX whereby I attempted to make the payment from. 

I called Capital One Auto Loan 5 times this morning to straighten out this problem Each time I was sent to a different person or department. After calling them several times they said, their system was being worked on, and they hung up on me. 

The service operators at Capital one called themselves, XXXX, XXXX XXXX, XXXX, and XXXX I finally became fatigued from their inability to talk legibly to me about the constant confusing mess they were making at my payment bank. 

I told XXXX that Capital One Auto is a XXXX DOLLAR BUSINESS Banking system, and can afford to keep track of their software. It makes absolutely NO logic at all that Capital One Auto Loan doesnt have their systems completely up to date at all times of the day, and year. So, their excuses make no common logic at all. 

This situation is causing problems with my Credit Report, and adding extreme problems to my business banking accounts. I need reimbursement from this bank for the problems they are causing me. This is not the first time their company software has said they accepted my payment, and then when I checked again the software says my payment wasnt accepted. Their waiting periods between them accepting the payment, and the money coming out of my XXXX XXXX account varies greatly from month to month. Mostly as long as they werent charging extra fees I ignored it. But, I can no longer to that as it is so obviously that the Corporate Bank Offices are ignoring their own bad management practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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.

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 2022-10-13 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:
In accordance with the Fair Credit Reporting act XXXX Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: TN

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 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 item of information, other than records of convictions of 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 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 2022-10-13 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: PA

Complaint narrative:
In accordance with the fair credit reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent

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 2022-10-13 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: PA

Complaint narrative:
In accordance with the fair credit reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent

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 2022-10-13 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: TN

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 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 item of information, other than records of convictions of 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 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