vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I purchased a new vehicle ( XXXX XXXX XXXX XXXX ) on XXXX XX/XX/XXXX from a dealership in FL. They selected Capital One Auto Finance, XXXX XXXX XXXX, XXXX, TX XXXX to partially fund my vehicle. I reside in NC. On XXXX XX/XX/XXXX, the loan was paid in full and Capital One sent me a " Lien Satisfied '' letter directing me to the NC DMV to acquire a " lien free title. '' I immediately went to the NC DMV and was told a " Lien Release '' was not good enough that they required Capital One Auto Finance to release the lien " electronically '' so on their computer it would show up as the lien being released and then would issue me a clear title. I relayed that to Capital One Auto Finance and only received another Lien Release letter dated XXXX XX/XX/XXXX. Went to the NC DMV with that letter and got the same response as the first time. Telling me all we ( or I ) could do was wait for Capital One to fulfill their obligation. I sent an unanswered letter to Capital One on XXXX XX/XX/XXXX. Called Capital One again on XXXX. to see if electronic notification had been sent. Called again on XX/XX/XXXX. All phone calls to the Capital One Title Department received nothing but false promises. Continued to search to find avenues to resolve my issue. On XX/XX/XXXX, filed complaint with XXXX ; on XX/XX/XXXX, filed complaint with TX AG. Recently I have found a form MVR-4 to file with NC DMV to acquire a copy of my title since " original was never received ''. However, a portion of the form is Titled Affidavit of First Lien Holder which needs to be completed by Capital One and notarized but I'm afraid if I sent it to them it may find it's way to the same place my original letter did. Any assistance in resolving this issue for me ( and I understand ) others would be greatly appreciated. Right now I feel like I'm on a merry-go-round between Capital One & NC DMV with no clear title in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery is attempting to collect a debt from me that I do not owe. They list the original creditor as XXXX XXXX  with a balance of {$720.00} from account number XXXX. I have not owed a debt to XXXX XXXX, and I do not have a debt obligation to Portfolio Recovery Associates. 

I have requested validation of this debt from Portfolio Recovery and they have not provided validation. It has been more than 30 days since the second request. There is no contractual agreement between me and these parties that I owe the alleged debt or that there has ever been any transaction between me and these parties that created a {$720.00} debt obligation. 

Portfolio Recovery is refusing to validate the debt by producing the document bearing my signature that has created the obligation to pay them {$720.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX of 2021, I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months and this account still shows under investigation. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-day mark has come and gone without any response from their office. 
. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company as of today. Thank you

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 2022-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
AMEX XXXX XX/XX/XXXX {$10000.00} AMEX XXXX XX/XX/XXXX $ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My IRA at Capital One was closed on XX/XX/2022. I received a letter in the mail dated XX/XX/2022 stating that my account was closed. No explanation of where my funds are. No prior notice that this would occur. 

I called Capital One today- XX/XX/2022 and was told that I should have received two email notices informing me that my account would be closed as Capital One will no longer be offering IRA accounts. The email address that the notices were supposedly sent to was correct and I have received other correspondence from Capital One before and since regarding my account statements but nothing regarding transfer of my IRA. 
The person I spoke with said she had received several other calls from customers with the same complaint so apparently this is not a problem only I am experiencing. 

The company that received my IRA funds - XXXX XXXX XXXX XXXX, Illinois has not provided any confirmation that they have my funds, and as I write this, I am on hold trying to get through to them. 

Where are my funds? Why was Capital One not required to send a written notice prior to transfer rather than only an email notice? Where is evidence that an email notice was sent? I have searched spam, deleted messages, etc, and I have no record of a notice from Capital One or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had received an approval for a mortgage I stated I was interested in doing a new construction and was told they will work on. I sent plans proof of payment to the company as well as the company was also sending the loan officer information through emails. Along the process the mortgage specialist was not responding to emails period for weeks on end. When I did or was able we had an understanding that communication will be better to go through the assistance after months of not responding. I was told they needed documentation again I state ok what do you need. I sent emails to mortgage specialist as well as the assistance and no response. Construction company emailed called as well as myself no response. When I check my loan application it was closed without knowledge or communication to myself. No correspondence on why even when I asked, I tried to call no response the construction company tried to call no response either, they just disappeared with no communication to myself. I called their lines through customer service they sent messages no response.

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 2022-01-31 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: PA

Complaint narrative:
I have been trying to fix an error on my credit report for months by dealing directly with the credit reporting agency. I have a XXXX account that can not be accurate. The account reports that it was opened in XXXX of 2017 and that it was a paid collection. I had a XXXX at some point in the past that was paid in full. I recall when I was done with their service that they told me they were holding a security deposit and that amount would be used to satisfy my final bill. Basically I owed them nothing and I was paid in full. My account should have never been in any collection. I am not sure if the account reporting is my past account or if I was a victim of ID Theft. I previously completed a FTC ID Theft Affidavit related to this because I am certain that I never had an account that went to collection that I later paid with XXXX. I am concerned that someone else may have opened an account in my name that went to collection since mine never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I want tp request for an investigation of this accounts. ( WELLS FARGO BANK CAR XXXX Opened Date XX/XX/XXXX Balance {$180.00} & WF CRD SVC XXXX Opened Date XX/XX/XXXX Balance {$870.00} ) I would like you to review this reported account. This was undoubtedly placed as charged-off account, yet there is a balance indicating on the statement. There must be a payment history that would show a past due of 120 days for this account. You are reporting mistaken information on this account. Reports should be 100 % accurate based on the Fair Credit Billing Act. Any erroneous information about this account should be removed immediately unless verified.

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 2022-01-31 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: MI

Complaint narrative:
XXXX XXXX put 10 inquiries on my credit report and I only applied one time on XX/XX/2022 I have not applied to any company and I have unverified inquiries on my report. I asked for them to remove the inquiries and they did remove any inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX put 10 inquiries on my credit report and I only applied one time on XX/XX/2022 I have not applied to any company and I have unverified inquiries on my report. I asked for them to remove the inquiries and they did remove any inquiries

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 2022-01-31 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: MD

Complaint narrative:
My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: International Computer Systems, Inc.
State: TN

Complaint narrative:
This number keeps calling me repeatedly. They do not leave voicemails. With the amount of scams going on, I do not answer unknown numbers. This traces back to a debt collection agency. If this agency has a valid debt for me, Id prefer that they contact me about the debt via mail or email so that I can properly vet. Until then, I do not believe in answering from unknown numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: DE

Complaint narrative:
This is a clear pattern, every time I am close to reaching an 800-point credit score EXPERIAN finds a reason to drop my score for no valid reason! Experian dropped my credit score XXXX points when someone tried to steal my identity, another XXXX points when I complained to the CFPB, XXXX points when I paid off my debt and a zero percent usage percentage. And now after paying off a {$190000.00} mortgage Experian raised my score XXXX POINTS! I hope the CFPB can see that there is a problem with this XXXX company and takes action to do something!!!!

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 2022-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Beginning in XX/XX/2021 through and including XX/XX/2021, unauthorized transfers of funds were made from my checking account. I brought this to the attention of the Citibank , N.A . fraud department five times and requested new ATM cards each time. I was not advised to close the account and move my funds to a new account linked to the new ATM card, which I believe might have thwarted the efforts of those defrauding me. I assumed that those committing fraud against me had somehow obtained access to my online account so I did not go online to check the account 's status and instead requested and received paper copies of my monthly statements from Citibank, N.A., which I have in my possession. Over the time period mentioned above, I watched my account dwindle almost daily. When I reviewed the statements mailed to me by the Citibank, N.A., I saw beginning on XX/XX/2021 thousands of dollars wired to XXXX accounts in California and hundreds of gift cards purchased by the co-conspirators from Best Buy, XXXX, XXXX, XXXX, and XXXX 's XXXX. I have these cards in my possession. There were also wire transfers to various cryptocurrency accounts at XXXX, XXXX, and XXXX XXXXTo reiterate, these unauthorized wire transfers continued through XX/XX/2021 depleting my account of more than {$250000.00}. I have used this checking account for more than 35 years for every imaginable payment, including taxes, rent, children 's education, food, and clothing. Now, I am retired for health reasons, but receive no disability payments so these funds are vital to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP
State: LA

Complaint narrative:
I have submitted a loss mitigation application. I have not heard back from my lender well over the 30 days allowed by Regulation X. I had to reach out and was told on several occasions that it was in progress. I still have not heard from my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: CITIBANK, N.A.
State: FL

Complaint narrative:
This particular account is undoubtedly placed as a charged-off account. ( MACY'S/DSNB XXXX Opened Date XX/XX/2016 Balance {$0.00} ) The balance was already zero yet the account was still indicating as a charge off. There must be a payment history that shows a 120 past due for this account. You are reporting mistaken information on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: PA

Complaint narrative:
I have been trying to fix an error on my credit report for months by dealing directly with the credit reporting agency. I have a XXXX account that can not be accurate. The account reports that it was opened in XXXX of 2017 and that it was a paid collection. I had a XXXX at some point in the past that was paid in full. I recall when I was done with their service that they told me they were holding a security deposit and that amount would be used to satisfy my final bill. Basically I owed them nothing and I was paid in full. My account should have never been in any collection. I am not sure if the account reporting is my past account or if I was a victim of ID Theft. I previously completed a FTC ID Theft Affidavit related to this because I am certain that I never had an account that went to collection that I later paid with XXXX. I am concerned that someone else may have opened an account in my name that went to collection since mine never did.

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 2022-01-31 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: PA

Complaint narrative:
I have been trying to fix an error on my credit report for months by dealing directly with the credit reporting agency. I have a XXXX account that can not be accurate. The account reports that it was opened in XXXX of XXXX  and that it was a paid collection. I had a XXXX at some point in the past that was paid in full. I recall when I was done with their service that they told me they were holding a security deposit and that amount would be used to satisfy my final bill. Basically I owed them nothing and I was paid in full. My account should have never been in any collection. I am not sure if the account reporting is my past account or if I was a victim of ID Theft. I previously completed a FTC ID Theft Affidavit related to this because I am certain that I never had an account that went to collection that I later paid with XXXX. I am concerned that someone else may have opened an account in my name that went to collection since mine never did.

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