vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX is reporting inaccurately. There are multiple accounts on my credit report that are closed /paid and being recorded as current. XXXXXXXX XXXX can not report a accurate score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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:
XXXX is reporting inaccurately. There are multiple accounts on my credit report that are closed /paid and being recorded as current. XXXXXXXX XXXX can not report a accurate score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2023-03-13 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: FL

Complaint narrative:
I purchase a service that later on I realized was a scam. I contacted the merchant and he denied giving me a credit stating that there was no return after 72 hours. I received this announcement after 72 hours. The merchant sent me a link for a XXXX  call which I could not connect. After this I requested the credit card, Capital One, They requested me to fax a letter to them explaining the matter. After that they sent me a 2 page questionnaire, which I filled out, including my emails back and forwards to connect with the merchant. The Capital One replied that they could not remove the charge because I did not had a contract with the merchant, a contract that I never received, and a document requesting me return on something I never received. 
Later on, searching the web I found the merchant on the list of scams. XXXX XXXX. 
I learned my lesson. Please help me to remove this charge. Thank you XXXX regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My interest rate for my auto loan is 6.45 % APR. The loan amount was XXXX and was scheduled as a 72 month auto loan. Correct me if I'm wrong but the more you pay towards the principle the less they are suppose to be taking for interest and the amounts they are taking for interest are not consistent whatsoever with what I have paid. I've enclosed some dated screenshots of a few payments I've made and also the amount of interest they have charged me. I get nowhere trying to talk to anyone with capital one about this issue. I get put on hold for long periods of time just to be hung up on in the end. On XX/XX/2023 I called capital one bank and spoke with XXXX on a transaction made on XX/XX/2023 to capital one auto finance in the amount of {$430.00} that posted on XX/XX/2023. And I was put on hold while she went over my account. Upon her return I I told her that I have a conformation number she ask me for it. Then put me on hold again to speak with her supervisor. She came back and informed me that the payment with conformation number doesn't show in my account. And she wasn't sure why it wasn't showing. Also at one point I was well over a year ahead on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer report agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX sent me to collections with Concord Servicing as retaliation for trying to cancel my contract. Ive notified Concord several times ( see attached letters and timestamped emails ) that I was disputing the debt, and those notices have been disregarded. Concord continues to send me bills. I called earlier this week, and the only advice they could offer me was to call XXXX, who wont talk to me while my account is in collections. According to my rights under the Fair Debt Collection Practices Act, I notified them, and Concord needs to get with the program. I told them in my letters that Id make a complaint with the Consumer Finance Protection Bureau, and Im making good on my promise, something XXXX knows nothing about. They need to either offer a settlement that will cancel my contract with XXXX or return the debt to the original creditor so I can continue to fight for my contract cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
CCS Collections is the name of the company with the debt. the debt was originally opened in XXXX. It was just placed on my credit report as a new debt on XXXX XXXX. I have been trying to contact the company since XX/XX/XXXX and have yet been able to get in contact with the company. I have stayed on hold for over an hour at a time and never spoken to anyone. I have disputed the information on all the credit bureaus and still no response. I haven't received an explanation of what this debt is for and not sure why it is just now being placed on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2023-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
I set up an account with Coinbase about 6 weeks ago. I moved {$26000.00} from my XXXX XXXX XXXXXXXX account into the Coinbase account. Coinbase froze my account and all types of transactions claiming XXXX XXXX XXXXXXXX had a hold on the funds. I went to XXXX XXXX  XXXX and met with XXXX XXXX  and they said that was false - funds were released to Coinbase over a month ago. I've emailed Coinbase over 10 times asking for an update or to refund my money. They continue to blow me off saying they are " holding '' my funds for another 4 to 5 weeks. This is not right and Bad Business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Allied Financial Services Inc
State: NC

Complaint narrative:
On XX/XX/XXXX i purchased a XXXX XXXX XXXX that i needed a co-signer for, my wife 's grandmother co-signed for me to get the XXXX along with putting {$5000.00} down. Allied Financial XXXX XXXX NC did not do the paperwork right and somehow listed me as the co-signer and and my wife 's grandmother as the buyer. The loan company has harassed us every single month a payment is due even some months days before the due date. They also refuse to fix the paperwork listing me as the owner and not a co-signer even though i have paid every payment on it. They have threatened me and grandma with jail time if the payment is not submitted when they request it to be made. They have also tried calling me and lying saying they are the post office and need an address for me. They have had my wife 's grandmother who is not in good health at XXXX XXXX XXXX in tears saying she is going to jail over this jeep payment. I would really like to know what i can do about this because they have crossed a line with me. Every time we speak they are very rude and threaten me and my grandmother. Please help me to know what my options are when dealing with them and this loan payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: FL

Complaint narrative:
I have attached 2 FTC reports with inquiries I did not authorize

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 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am frustrated with Navy Federal Credit Union, the mismanagement and holds m of my checking account deposits, refunds, misinformation on deposit slips/ cashiers check and holds on my account when I receive money. It takes about 2 weeks before pending credit or hold on checking account is released making me moneyless. I tried talking to them but they lied and can not help me. Ive never experienced any credit Union or bank holding a customers money. I bank with chase bank also and I do not experience this with them. I will leave Navy federal after this complaint is filed and responded to. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
SPS has not been reducing the mortgage balance by the payments they are receiving. 
We have paid XXXX XXXX through IL Housing Assistance along with the reg mortgage payment, and I don't see where the mortgage balance has been lowered. 
I have a called and email them to look into this matter. 
SPS has a terrible score with the XXXX XXXX XXXX  with numerous consumer complaints. This company should be closed and investigated. 
XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been Account name Account number XXXX XXXX XXXX XXXXXXXX XXXX account 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 2023-03-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH

Complaint narrative:
Hello, At Approximately XXXX XXXX EST. XX/XX/2023 I had an inbound call from the Law Office of Robert A. Schuerger Co., LPA, in regards to a debt I owe for student loans, in the amount of {$920.00}. 

I work Monday through Friday XXXX, so I couldn't answer the call, he did not leave a voicemail, but instead decided to call my younger sister, XXXX XXXX XXXX who was also working. She is not listed anywhere as a guardian, or emergency contact. 

She answered the call, and described the call as aggressive, and that he was an attorney trying to reach me, he mentioned the University XXXX XXXX, and that he was asking for my employer, and where I lived. This caused her to call me, she was very distressed, and said that he was being very aggressive, and it made her worried that I was in some legal trouble of some sort. Now I can hardly focus at work on a busy Monday morning. 

I called and made a complaint, and informed them I was filing this complaint to you as I believe that this was a violation of CFPBs Debt Collection Rule. 

XXXX XXXX XXXX Man who called Law Office of Robert A. Schuerger Co., LPA, XXXX XXXX XXXX XXXX, OH XXXX XXXX Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
The company was once Washington Mutual and is now J.P. Chase Mortgage. May years ago, my mom and I were talked into a Home Equity Loan as a means to reduce my mortgage payment. This was deceptive and as a result, I have been making payments and none of the payments have been going to the principal. Therefore, I still owe the same amout many years later. 

I do undertand that there have been multiple successful complaints lawsuits through FDIC, XXXX, US Court for District of Columbia and US District Court for the Northern Georgia Atlanta Division.

Many people have been relieved of the mortgage debt and I'd like to be one of them. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AmerAssist A/R Solutions, Inc.
State: OH

Complaint narrative:
On XXXX XXXX, AMERASSIST AR SOLUTIONS, added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, AMERASSIST AR SOLUTIONS has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
On XX/XX/2022, I received a call from apple credit card ( the caller Id was their number ). They told me I had a purchase done in XXXX. I told them it was not me. They sent me a log in but it was to steal my Apple XXXX  and card. But it was a scam. They made a XXXX purchase in a Apple Store in New York. After I hanged up the call I call back that is when I notice it was a fraud. They did a dispute it does not go under my favor. They dont tell me the reason. No answers just. That they can create another dispute. This is a off and on since XX/XX/2022. I live in XXXX, tn this happen in New York. I have proof I worked that day. I dont know what to do

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
XXXX is inaccurately reporting that I owe {$110.00} for a auto insurance after being a loyal paying customer for over XXXX  years. In XX/XX/2022, I switched insurance from XXXX to XXXX XXXX because XXXX has very poor customer service. XXXX violated by consumer protection rights by continuing to bill me even though I provided proof of insurance showing I was insured by XXXX XXXX as of XX/XX/2022. XXXX owes me a credit in the access of {$40.00} and never paid me. 

In XX/XX/2022, I received a letter from Caine & Weiner indicating I owed a debt. The debt collection company did not adhere to FCRA regulations and violated my consumer rights by failing to send me a 30 notice letter. In XX/XX/2022, received adverse credit reporting which dropped my score. I am in the process of buying house and my credit has been impacted even though I provided XXXX with my insurance Declaration Page three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: VT

Complaint narrative:
Despite showing a receipt from the hotel, Cash App is refusing to release a hold for incidentals. The hotel has said they released the funds upon checkout nearly two weeks ago. Still, cash app holds the funds. Moreover, they are refusing to take a receipt from the hotel showing the release. Also, they are refusing to contact the hotel to confirm the hold was released. At this point, cash app has stolen my money.

Company response to consumer: Closed with explanation