vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I applied for and received an XXXX dollar loan from Net credit. I had just had a XXXX XXXX and needed money to help pay the hospital bills. I was in a very bad place and did not throughly review the documents. 

I was unaware that the interest rate being charged was 59 %! Which is absolutely outrageous. 

I have made numerous payments since XXXX and my principal has not declined. 

My FICO score was XXXX at the time of the loan. I am now aware of my situation and what to payoff this debt but the company is not cooperating. 

If this is not predatory lending..it certainly should be!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: NY

Complaint narrative:
I have sent several letters asking to remove some items from my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

These are the accounts and their account numbers : Account name- XXXX XXXX XXXX Account number- XXXX Account name- XXXX XXXX Account number- XXXX Account name- XXXX XXXX Account number- XXXX 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. 

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft.

15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/2023 - Capital One transferred {$20000.00} to my XXXX Bank account per my request XX/XX/2023 - Capital One issued a reversal request to XXXX Bank and requested the transfer be returned from XXXX Bank to Capital One saying a fraud alert was triggered ; the money was removed from my XXXX Bank account ( see attached documents ) XX/XX/2023 - I called Capital One to address the issue and they said I'd receive a response in XXXX XX/XX/2023 - I received an email confirming the reversal in the amount of {$20000.00} and the amount would be credited within XXXX hours ( see attached email with confirmation ) XX/XX/2023 - the amount has not been credited to my account and Capital One representatives are saying it is deposited and I should check with XXXX bank ; XXXX bank said via phone call they returned the money XXXX and it should have been received by Capital One no later than XX/XX/2023 Capital One issued a fraud alert and stopped XXXX of my deposit. They made me jump through all sort of unnecessary hoops to verify my accounts when they could've just confirmed all the info with the other bank. They then lost, and are refusing to return, the {$20000.00} they reversed from my bank account. I have the paper trails from both accounts showing the transactions to prove the missing money and timelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On Mon. XX/XX/23 I opened an account and deposited a check XXXX XXXX XXXX XXXX, for a refund of an issue we had. 

on XXXX XX/XX/23, this {$800.00} check cleared my account. 

on XXXX XX/XX/23, this {$800.00} deposit was reversed by PNC, and said the issuer had placed a stop payment on this check ( after it was already cleared ). I found out they did this because I had given them a bad reveiw, the Sales mgr told me this, I then spoke with his mgr and they will be re-issuing the check. 

I don't know how a bank can take money out of someones account on a deposit that has already cleared, when the issuer puts a stop payment after the check was already cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had long relationships with Capital One. I trusted my finances to Capital One : I sent Capital One check when I bought a car XXXX years ago, all incoming wires, all incoming deposits, XXXX payments ( in and out ), payments to my credit cards was made from Capital One. My sister sent me international wire {$15000.00} on XXXX XXXX. Later I got a voicemail from official Capital One phone from XXXX that Capital One needs additional information before proceeding/releasing wire. Right after that my account was restricted. Yesterday ( XX/XX/XXXX ) I have an email it was closed. Even someone from XXXX said he would keep it open if wire still arrives. Another Representative denies someone from Capital One called me about wire, even I have XXXXe proof of voicemail. All Representatives were not really helpful, no one saw this wire coming, except XXXX, who left a voicemail and never tried to contact me again. Without reason Capital One decided to close my account. As a result, {$15000.00} are somewhere, not in my American account, not in my sisters account. No one returns {$450.00} commission fee to my sister, if she ever sees her funds back. My question is : why did Capital One close my account? I did not do anything wrong. Besides I was doing the same what I was doing last XXXX  years. Capital One was fine with my iXXXX incoming wires. I am a Customer in good standing, who trusted Capital One and the Bank failed to service me when I mostly needed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Apothaker & Associates, PC
State: PA

Complaint narrative:
On XX/XX/2023 my bank account was frozen and levied by Apothaker Scian P.C . I was never notified of lawsuit or debt. I do not believe this XXXX debt is mine. I searched local court records for this judgment and there is no file. I never had a XXXX card and was never informed of this legal action or judgment. I will contact the law firm to gather more information about this judgment to fight it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Back when I had Wells Fargo I got over drafted fees.

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 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/XXXX, I closed my credit builder account with Chime Bank, which had a positive balance of {$500.00}. I was told I would receive my cheque within 7 to 10 days. To date and over 30 emails and 17 calls later, they are continuously asking for the same information. I even tried changing my address, and despite sending my personal information to them over seven times they refuse to change my address. I eventually told them to send it to the existing address on file and today XX/XX/XXXX, they continue to refuse to send my funds by telling me my account has a No XXXX sign. I don't even know what that means. I have been locked out of their app since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
The balance you are reporting I owe is incorrect and doesnt match my records. The payment history doesnt match my records. The date opened doesnt match my records. The account status doesnt match my records. Nothing matches. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/2020 without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer. 


I have not initiated any transaction with your company, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

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 2023-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2023-05-11 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: NY

Complaint narrative:
Recently, I have fallen victim to the malicious act of identity theft, and the impact has been devastating. Criminals have opened several fraudulent accounts using my name, including one with XXXX XXXX under the account number XXXX, This account, currently carrying a balance of {$1200.00} ; and other with XXXX XXXX under the account number XXXX, this account is has a balance of {$100.00}. Both of these fraudulent accounts has been delinquent, severely damaging my credit score. 
This is my first encounter with identity theft, and I must admit it has been an overwhelming and challenging experience. It feels as though my very identity has been stolen, and I am determined to regain control of my financial well-being. After filing an identity theft report with the FTC, specifically report number XXXX, I promptly took the necessary steps to rectify the situation by sending dispute letters to the credit bureaus. In these letters, I provided a detailed account of the fraudulent accounts on my credit report and requested their immediate removal. However, to my dismay, the credit bureaus have outright rejected my request, failing to provide any explanation for their decision. The refusal to remove the fraudulent accounts from my credit report is a blatant violation of my consumer rights. As a victim of identity theft, I find this decision to be deeply unjust and unacceptable.

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 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
All my personal accounts was closed after more than 20 years with well Fargo. 
The reason they gave me is that I was using my personal accounts for business money services. So they closed all my accounts without notice and put all the remaining balance on hold. Usually when a bank closed an account they send a check with remaining balance. This wasn't the case my money from personal account is on hold since XXXX. 
Everytime I go to a branch, banker oriented me to loss and prevention. Very frustrating situation. 
I contacted a lawyer about the situation, he advised me to file a claim with CFPB first to see if the bank can resolve this situation without further legal escalation. 
We are allowed to cash check since we are a branch of XXXX XXXX XXXX. 
Attached is the license from XXXX XXXX XXXX XXXX XXXXXXXX. 
Ga license # XXXX NMLS # 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 2023-05-11 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-11 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: TX

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was once a wells customer and the overdraft fees was coming left and right in knowingly

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 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I noticed that Wells Fargo has a class action and I was a XXXX  client whom They over charge in XXXX fees by posting items to make me go onto overdraft

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 2023-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022, my savings Account XXXX XXXXXXXX was either frozen or closed I dont know. everytime I celled regarding my XXXX account no one knows anything either what to said. Everyday I called different people says different things even has telling me go to a branch and your XXXX account money will be given to you which its a lie all this situation had me with depression, anxiety and mental breakdown and drainage. I XXXX my job, because of this and since all this Ive has been visiting a XXXX XXXX is not a joke. Whats the problem with Truist bank staying with people money just like that, money I made by working and part of my unemployment. I need and want access to my XXXX account before I put a lawyer on this matter. This isnt right playing with the savings of people just like that.

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 2023-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
XX/XX/XXXX my car was stolen in front of the house after XXXX KIA FINANCE SENT ME A LETTER IN THE MAIL REGARDING THE ANTI THEFT FOR KIAS AND WHEN I TOLD THEM ABOUT IT THEY MENTIONED IT WAS NOT FOR MY CAR AND MY CAR IS NOT A PUSH TO START TODAY I WOKE THE VEHICLE WAS STOLEN.

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 2023-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
It has come to my attention that Navient has not been counting my payments for years. I have made small payments and my balances have remained the exact same. No change at all. I have been writing them for months and they refuse to acknowledge these payments. Even recent payments I have made. 
They are punishing me for forbearance which was administrative due to them being sued. So it is their fault that payments were stopped but they were still charging interest and not counting payments. 
I need help. They refuse to apply these payments and lower my total balances. 

I am sending the proof. At the bottom of each loan you can see several payments made. They tried to say that my payments went to interest but at the same time told me my balances were to sum total of my interest and principal. 
So they are lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: SC

Complaint narrative:
XXXX XXXX, XXXX XXXX. I noticed someone applied for something in my name. XX/XX/2023 XXXX

Company response to consumer: Closed with explanation