vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XXXX XXXX, 2022, {$160.00} posted to my Capital One Savor credit card account after I made a phone payment to XXXX company of XXXX, OK for lawn services. The correct amount I owed XXXX was for {$120.00} ; creating an overcharge by XXXX, and a {$37.00} credit balance on my XXXX account. I called XXXX several times about the overpayment and credit on my account to no avail ; nothing was done to return the {$37.00} to my Capital One Savor credit card. I opened a dispute case with Capital One concerning the {$37.00}. Later I found out this case was closed, because I did not submit documentation proving the overcharge. I told the Capital One representative I received no letter or notification requesting documentation, and I then had a second dispute case opened with Capital One. I requested Capital One send me an e-mail link, so I could send a requested, signed form and proof of overcharge to Capital One electronically. I submitted the signed form and a copy of my XXXX bill/receipt. The bill/receipt showed what was actually charged by XXXX for XXXX, the Capital One Savor credit card payment, and the credit balance/overpayment on my XXXX account. I submitted this information to Capital One on Sunday, XXXX XXXX, 2022. XXXX Monday, XXXX XXXX, 2022, I received an e-mail notification from Capital One that my dispute case was again closed, because I failed to submit proper documentation ; even though I submitted the requested form and proof of being overcharged by XXXX. I feel Capital One did not use due diligence to resolve my dispute case properly, and I am asking the CFPB to please assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: DC

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 confidentially under 15 USC 1681. 

XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  # XXXX, U.S. DEPARTMENT OF EDUCATION XXXX XXXX, XXXX DEPARTMENT OF EDUCATION XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
credit report information no valid

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 2022-10-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Have violated my rights. 

15 USC 1681 Section 602 A, states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than ( 7 ) years. 

15 USC 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
Consumer complaint received 2022-10-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX Have violated my rights. 

15 USC 1681 Section 602 A, states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than ( 7 ) years. 

15 USC 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 2022-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
When I try to call and make a 'principal only ' payment they leave me on hold for hours and come back and say they can't guarantee my payment will all go to principal! When I'm completely up to date and always have been? They won't let me pay down this loan or are making it almost impossible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: Self Financial Inc.
State: TX

Complaint narrative:
On XX/XX/2022, XXXX XXXX unilaterally closed my credit builder and credit card account with them. 

They claimed to pay out my money in XXXX business days after my account is closed. It has been way past that timeframe. 

I contacted Self Inc. customer service on XX/XX/2022, to ask why they haven't sent my money yet. They told me to contact their dispute/fraud department via XXXX. They said there is no phone number for that department which I thought was odd. 

On XX/XX/2022, I got the below email from the dispute/fraud department. 

" Self Financial Hello XXXX, While Self strives to offer service to all of our customers, we have a regulatory obligation to regularly review accounts and their activity. During one of these standard reviews, we came across information on your account which was unverifiable. As we are required to be able to verify all account information, we must unfortunately discontinue your service with us. 

If you have any payouts owed at this time, your payout may be frozen during this review and we will unfreeze any funds once our review is complete. For security and privacy purposes, we are unable to specify which information was unverifiable or offer any further timeframes on our payout review process. 

Please reach out if you have any further questions. 

All the best, The Self Team '' How unreasonable is that email? They can't tell me why they closed my account and froze my funds, they can't tell me exactly what was suspicious, and they can't tell me approximately how long it is going to take? I believe this is unfair practice. As an account holder with SELF, I have a right to know what is happening with my account. They can't just say " Oh, we can't tell you anything because of security reasons ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Receivables Group, Inc.
State: TN

Complaint narrative:
I have contacted company and requested written proof of debt and personal liability which to date has not been provided. XXXX found the charges unrelated to service provided and denied claims. I dispute the accuracy and legitimacy of these charges. Further more this third party debt purchaser is reporting medical information in violation of HIPAA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: SC

Complaint narrative:
The collection ( UNIFI ) company called stated I owed {$1500.00} several times I attempted to tell them this is NOT my account and I pay my debt. Told them to just pull my credit report and you would see the pattern. They first connected me back in early XXXX. On XX/XX/XXXX I filed a police report with the XXXX  SC police department ; XXXX Report for Incident # XXXX. This company have aggressively and wrongfully harassed me, called my wife, sister and now my daughter. Also, I had a perfect credit score and because of this was denied credit or could not receive the best rate because of the false inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: MI

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions Equifax has verified these 6 inquiries and they are all fraudulent and I have listed also the police report also a credit card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
I applied for a mortgage loan with my Boyfriend. We went through all the steps of underwriting, They had numerous approvals asking for some clarification or additional information, which we provided. On the last and final item the Underwriter asked for ( Bank statements for the previous 3 months showing that my pay-check went into the bank account ) I supplied more than the months requested along with the company payroll summary showing each pay-check and the Net amount of each check which lined up exactly with the supplied bank statements.

The underwriter then turns down my loan because he says I am married! I am NOT Married, I am single and Utah is not a community property state. The Underwriter waited until my earnest money was not refundable and I was set to close to make up that I am married. 

I took additional classes and training to be able to secure a good, salaried job and once completed I got a promotion. 

I have found out that the lender also completed a XXXX stating false reasons for his turndown and again making a false claim that I was married to owner of the company I work for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: MO

Complaint narrative:
In Accordance with Fair Credit Reporting act. The listed accounts below has violated my federal proctected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish without my written instruction 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-10-18 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: MO

Complaint narrative:
In Accordance with Fair Credit Reporting act. The listed accounts below has violated my federal proctected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish without my written instruction 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: RI

Complaint narrative:
After review of my TRANSUNION credit report, the following hard inquires are not mine. I was a victim of identity theft and submitted an affidavit with the FTC. Please find attached. I had submitted a request previously ( with the attached affidavit, complaint ID # XXXX ) to resolve the issue through the CFPB to no avail. Please revisit and review the attached document and remove the incorrect hard inquires listed below, which I did not allow or request the action to pull my credit from the following institutions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
On or about XXXX XXXX, 2022, I requested a disbursement check from XXXX XXXX, in the amount of {$12000.00}. This check was made payable to myself, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, Trustees of the XXXX XXXX XXXX. The check was written by XXXX XXXX, on a check made payable from their BNY Mellon account # XXXX, Check # XXXX. On or about XXXX XXXX, 2022, I contacted XXXX our of concern that I had still not received my {$12000.00} check. XXXX informed me that this check had been cashed 2 days earlier by a person named XXXX XXXX. I informed XXXX that this was a fraudulent transaction, and to please take all necessary and immediate steps to make sure this transaction was stopped immediately. On or about this same time, I completed an affidavit for check fraud for BNY Mellon, as requested, and have now been waiting over 120 days for a resolution, and the return of my funds. I have been unable to receive any sort of communication, updates, or resolution from BNY Mellon, because they tell me that I am not the account holder for this BNY Mellon bank account from which the fraud occurred. I am merely the PAYEE. I have been unable to receive any updates from XXXX investments, as they say they are waiting for an update from BNY Mellon. 
As a consumer, I am caught in an endless loop of NO ANSWERS, and NO ACCOUNTABILITY, and I desperately need help to recover my funds. I believe that BNY Mellon needs to be accountable to me, the PAYEE of a check written from their account, and please reimburse me for the check that they allowed to be fraudulently cashed. 

I am requesting that they provide me a replacement check in the amount of {$12000.00} on or before XXXX XXXX, 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit Systems is reporting different balances for the same accounts to different credit bureaus. XXXX is stating there isn't a balance owed and XXXX and XXXX are stating there is a balance owed for same XXXX accounts National Credit Systems keep reporting. They are damaging my credit worthiness and causing me financial and emotional harm. These accounts are in violation of the FCRA and I am DEMANDING the accounts being reported by National Credit Systems is REMOVED from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: GA

Complaint narrative:
XX/XX/2022 I sent out a letter to the credit bureau Transunion asking them to investigate my account to make sure my account was 100 % accurate. They received my certified letter XXXX/XXXX/2022. Here is the tracking number XXXX XXXX XXXX XXXX XXXX. XXXX/XXXX/2022 is when I called in and was told that my investigation was completed and updated. The credit bureaus said that my account was accurate I am very confused because my account has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. The documents will confirm the inaccurate things that are highlighted yellow. This is grounds for removal. They violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604A section 2. States a consumer reporting agency can not furnish a account without my written instructions Another thing is they didnt use the time wisely to give a full investigation I have been trying to dispute many accounts with them for a while now and keep ending up with the same results. I still havent received my mailed updated credit report either as I asked in the letter regarding the investigation.

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