vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Re : Formal Complaint Against Capital One Regarding Account Closure and Redemption of Rewards Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of utmost concern regarding my Capital One Venture X credit card account. I recently received an email notification informing me that my credit card rewards points had been redeemed. Upon further investigation, I discovered that my account has been arbitrarily restricted, without clear justification or explanation.

I promptly contacted Capital One Support to seek clarification on the status of my account. The initial representative, XXXX in XXXX, Florida, indicated that this action was a result of a " business decision '' and that my rewards had been liquidated. Despite my persistent inquiries, I was provided with vague responses, and the subsequent support personnel, XXXX ( Employee ID : XXXX ), failed to shed any light on the situation. 

I established this account in XX/XX/2023 with the expectation of enjoying the associated benefits, which included 2X rewards on spending, a substantial credit card rewards points points of XXXX, a {$300.00} travel credit, and access to airport lounges, all in exchange for a {$390.00} annual fee. Regrettably, within just XXXX months of opening the account, Capital One chose to close it unilaterally without notice or chance to redeem these points and credits. 

Despite having paid the aforementioned annual fee in the first billing cycle, I have been denied the benefits and services I anticipated. Multiple conversations with various Capital One representatives, including XXXX ( XXXX ) in the Philippines and XXXX ( XXXX ) in Florida, have proven fruitless, as they claim to lack the authority to address the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: IL

Complaint narrative:
I have not authorized these hard inquiries they are the result of identity theft : 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 2023-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I have 15 direct loans. I requested that MOHELA place all my loans on the SAVE plan on XX/XX/2022. MOHELA did not place loans XXXX on the SAVE plan. I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request that my loans be placed on the SAVE plan. Each time, they tell me that my loans are " not eligible, '' but will put in a request to be put on the SAVE plan because they are direct loans. On XX/XX/XXXX, I put in a request to be put on SAVE through FSA. MOHELA " cancelled '' that request. 

I am entitled to the SAVE plan. Loans will come due soon, and MOHELA is forcing me to pay more on my loans than is necessary by keeping me on the level repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: NY

Complaint narrative:
XX/XX/2023 XXXX responded to a complaint via the XXXX that a my vehicle was charged off because that account was in default not because it was discharged. Yet, XXXX XXXX XXXX is retiring a charge off on my consumer reports which is inaccurate reporting because of a charge off is being reported then that must mean a 1099C form was filed. Of a 1099C form is filed that debt, according to the IRS becomes ordinary income. XXXX cant be reported on a consumer report. If they are reporting a charge off but did it file a 1099C form that is XXXX. I requested the 1099C form and they refused to send it to me. A 1099C form would make the charge off reporting INACCURATE. 

Furnishers of information ( XXXX XXXX have a duty to report information to a consumer report with maximum accuracy.

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 2023-12-07 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: NY

Complaint narrative:
XX/XX/2023 XXXX responded to a complaint via the XXXX  that a my vehicle was charged off because that account was in default not because it was discharged. Yet, XXXX XXXX XXXX is retiring a charge off on my consumer reports which is inaccurate reporting because of a charge off is being reported then that must mean a 1099C form was filed. Of a 1099C form is filed that debt, according to the IRS becomes ordinary income. INCOME cant be reported on a consumer report. If they are reporting a charge off but did it file a 1099C form that is FRAUD. I requested the 1099C form and they refused to send it to me. A 1099C form would make the charge off reporting INACCURATE. 

Furnishers of information ( XXXX  ) have a duty to report information to a consumer report with maximum accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: GA

Complaint narrative:
1st conversation, XX/XX/XXXX, XXXX received a message from XXXX XXXX. Called number XXXX. Spoke with a person. He told me the purpose to collect a debt from a Check & Go pay day loan account opened on XX/XX/XXXX. Account was closed on XX/XX/XXXX. The amount borrowed was {$500.00}. Due to interest, I now owed {$1400.00}. Tried to get me to settle. Told the person I did not open an account with XXXX XXXX XXXX for {$500.00} - he knew the last 4 of my social, my address, continued to tell me letters had been mailed ( which I never received ). Told him I wanted to dispute the debt as I am fastidious about my credit and this was not on my credit report, and that I had been monitoring my credit heavily since XXXX. He was not happy however he complied. 

2nd conversation,. XX/XX/XXXX, XXXX Received a Robocall XXXX from XXXX, this time claiming to be XXXX XXXX XXXX and my ref number was XXXX. To discuss the matter, I should call XXXX, When I called, the woman who answered, XXXX XXXX, if that is her name, did not state the company name. I explained I was responding to a XXXX and before I could finish, she asked me the phone number associated with the account, which I gave to her. She proceeded to tell me, very forcefully, that I was in violation of not paying a debt with Check & GO ( proceeded to list all their company names ), made by me with XXXX XXXX, formerly of my previous address, now at my new address ( she had all the details ) and how when I got the loan, I did make a few payments but stopped and now I owed a ridiculous amount. That I had paid my loan down to {$750.00} but I declined a settlement on the previous call. Told me that XXXX letters had been mailed- which I've not received - and that it was up to ME to pay my debts, not the debt collector to keep up with payments. Tried to tell her I checked with XXXX XXXXXXXX XXXX, she interrupted me and continued to say that XXXX had signed off, she had an affidavit and that I would be served. I could not get a word in, she kept interrupting me, when I would try to speak, she would yell over me and finally I asked if this conversation was being recorded. She said, yes and it will be played back in front of the judge in XXXX XXXX court. I said, good then he/she will be able to hear how unhelpful you are ... and then I hung up. She then called me back from another phone line - XXXX - and told me that I would be served papers and my wages garnished on my voicemail. All of the numbers used by this company appear as XXXX XXXX XXXX  ' when I do a XXXX search. The last number used with a XXXX area code, does not come up with any information, including public business information.This person was rude, threatening, and used bully tactics to try and convince me to pay a debt that is not mine. I have checked again my credit report and I have XXXX record regarding XXXX, XXXX XXXX Check & Go.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Thursday, XX/XX/XXXX at XXXX XXXX, received call from unknown person claiming to be with XXXX, independent process servers and gave me a phone number to a company called XXXX XXXX XXXX XXXX I called the number and spoke with a paralegal named XXXX XXXX. He claimed that they were attempting to collect a debt that is approximately XXXX XXXX XXXX from XXXX XXXX I informed him of the Statutes if Limitation in Texas ( 4-7 years ) for debt collection and he became belligerent and stated that only applied if there was a tolling agreement. This is false. He threatened that the company was filing suit and that we could bypass it if I agreed to settle for half of the cost. This debt, if it existed, does not even show on any of my three credit reports. This is harassment, lies and threats

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
The bank keeps using incorrect account information in regard to given name and charging, I, as XXXX XXXX ( XXXX XXXX ) or XXXX when I was given an indivisible name XXXX XXXX ( XXXX XXXX ) from XXXX with a perfect credit score ( tax classification ) that is indivisible as well and the account doesn't reflect tax classification, I, being given a perfect indivisible credit score. Than from application an error to include a middle name which isn't apart of my identification card used to aquire account I believe is blocking services promised to I by US Federal reserve banking institution in a perfect and indivisible credit score for bank to write off stuff as tax write offs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am writing to dispute the presence of hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details : 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 2023-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Settlement for Wells Fargo to account holders for unethical business practices brought to light by CFPB. 

I've just received a check for Remediation for a Credit account that was opened without my consent and discovered that all the treatment I've endured from Wells Fargo for checking accounts, mortgage, and auto loan were illegal and would also be entitled to separate Remediation checks. 

I'm assuming that I'll have to file separate claims for each of the accounts. 

Below documents show a fraction of the letters Wells Fargo sent every few weeks to reassigning a new Home Preservation Specialists that had me chasing my own tail for years trying to refinance an existing VA mortgage of XXXX opened in XXXX. I initially attempted to refinance in XXXX but was tortured with run around until XXXX when I received a notice of foreclosure.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: V and H Portfolio
State: FL

Complaint narrative:
I hope this message reaches the appropriate department. I am writing out of frustration and concern regarding the recent closure of my complaints, indicating that all disputed information on my credit report is correct. I find this conclusion confusing, especially when there are evident discrepancies among the reports provided by the different credit bureaus. 

I am truly exhausted from attempting to articulate my concerns, and it appears that my letters are not being thoroughly reviewed. The inconsistencies among the reports from various credit bureaus are causing immense confusion and frustration on my end. 

I urge you to reevaluate my case with the utmost diligence and attention to detail. I am seeking a swift resolution to address the discrepancies and inaccuracies on my credit report. I believe in the importance of accurate credit reporting, and it is disheartening to experience such challenges in rectifying these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I hope this message reaches the appropriate department. I am writing out of frustration and concern regarding the recent closure of my complaints, indicating that all disputed information on my credit report is correct. I find this conclusion confusing, especially when there are evident discrepancies among the reports provided by the different credit bureaus. 

I am truly exhausted from attempting to articulate my concerns, and it appears that my letters are not being thoroughly reviewed. The inconsistencies among the reports from various credit bureaus are causing immense confusion and frustration on my end. 

I urge you to reevaluate my case with the utmost diligence and attention to detail. I am seeking a swift resolution to address the discrepancies and inaccuracies on my credit report. I believe in the importance of accurate credit reporting, and it is disheartening to experience such challenges in rectifying these issues.

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 2023-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
I was given five prepaid cards as a gift. They are for {$500.00} each. They were purchased at XXXX, and the cards say they are from Vanilla. I have receipts from XXXX for each of them. I tried to activate two of them at XXXX, as directed on the card. I got a couple of different error messages, that the system was down, or there was a problem with my card. I then called the company. I went through each of the five cards with the representative. He told me two work ( I have not tried them yet ) and the other three are invalid or have been flagged for fraud. He took my address, phone number, email address, but could not explain why he needed that information. ( I did not purchase the cards, they were a gift. ). He then said I had to submit a complaint to an email address - XXXX. I have to include photos of the card, receipt, packaging, which seems OK, but also my drivers license, which concerns me. Again, the representative could not explain how they will research the matter, or why they need my personal information to do so, including a photo of my drivers license. 
The cards were purchased for me on XX/XX/XXXX, and I have admittedly been slow to activate them. But they dont expire until XXXX, so this should not be a problem. 
I will initiate the dispute process, but will not send them a photo of my drivers license. I will write back if they insist on this, or if I am unable to access the funds. In the meantime, flagging this incident in case many others are having problem accessing funds that this company is holding via prepaid card purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I have been complaining with all of the debt collector letters that I have receiving. Stated I owe XXXX XXXX XXXX XXXX {$1000.00}. I already called and filed the fraudulent form with XXXX XXXX XXXX. This debt collector is a new one name True Accord. So far I have reported 3 debt collectors here in CFBP to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I attempted to make a purchase for a vehicle. To my surprise, the dealer explained that I had an identity theft fraud status. He stated I would need to get rid of some things on my report. I purchased my consumer report and saw so many inaccuracies and damages on my report according to 15 USC 1681, which is a defamation of character & causing personal injury to my me and my family. I also was affected in the Equifax Data Breach. I have then applied for an identity theft PIN code, locked my SSN, sent letters multiple times, received no response within a 30 day time frame. I also filed a complaint with FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023, I received a letter from XXXX XXXX XXXX stating that they were attempting to collect a debt for XXXX XXXX XXXX. Immediately I got scared and started asking questions. I never checked my credit profile before. I did not even know much about credit to begin with. I created an Experian, XXXX and XXXX account and I started going down the list of items that are on my credit report. I noticed many things that were on my report that I were wrong, so I updated my information. But this account that is on my credit report I have no idea what it is nor where it's from. I did not create this account and did not make this charge. That is when I realized that I am a victim of identity theft. I did not make this charge, nor did I open this account. This is a fraudulent account that I did not authorize. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit.

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 2023-12-08 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I hope this message finds you well. The purpose of this communication is to follow up on my previous complaint dated XX/XX/XXXX. I want to inform you that I will be updating my credit reports within 15 days from today, the date I sent this complaint. I sincerely hope that the items listed in this complaint, for which I have filed a report with the FTC under reference # XXXX, will be removed before the 15-day deadline. Please take note of the following details : ***************EXPERIAN*************** 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