vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 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: SC

Complaint narrative:
I'm having extreme difficulties with Capital One. My family purchased 3 tickets to NY and due to COVID could not go. Within a very reasonable amount of time we contacted Capital One and they were very nice about it and reversed the charges. That was MONTHS ago.

I had issues with the rewards program and their customer service. I opened one CFPB complaint where I was just ignored and Capital One did not address the questions. I opened another CFPB complaint and they stated " can not respond to unauthorized user ''. 

Right after the second CFPB complaint, Capital One put the plane ticket charges BACK on to my credit card balance! I received the response from CFPB complaint XXXX questioning miscalculated rewards points the same time I discovered they reversed the plane ticket charges from XXXX. 

This move on Capital One 's part is 100 % in retaliation to me opening CFPB complaints and questioning them not issuing the correct rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: TN

Complaint narrative:
My name is XXXX XXXX. It has come to my stention that although I have written several letters asking for validation of debt and audit trails, i am not getting any response because of the automated system thats in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 

I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm the three credit reporting agencies have done to me. 

DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX. Account number XXXX on Equifax XXXX XXXX XXXX  account number XXXX on XXXX XXXX XXXX XXXX, account number XXXX on Equifax XXXX XXXX XXXX  account number XXXX on Equifax XXXX XXXX XXXX  account number XXXX on XXXX XXXX XXXX  hard inquires on XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX billing code error : 15 USC 1666

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: TN

Complaint narrative:
My name is XXXX XXXX. It has come to my stention that although I have written several letters asking for validation of debt and audit trails, i am not getting any response because of the automated system thats in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 

I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm the three credit reporting agencies have done to me. 

DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX. Account number XXXX on XXXX XXXX XXXX XXXX account number XXXX on Experian XXXX XXXX XXXX, account number XXXX on XXXX XXXX XXXX XXXX account number XXXX on XXXX XXXX XXXX XXXX  account number XXXX on XXXX XXXX XXXX  hard inquires on XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX billing code error : 15 USC 1666

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 2022-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
XX/XX/2022 a collection notice appeared on both my husband and my credit report. I immediately checked the notice for each and, there was a collection notice from Sunrise Credit Services on each account. Both collections were for XXXX XXXX but for different amounts. On XXXX 's account, it was {$1600.00}. and on My account ( XXXX ), it was for {$1400.00}. I immediately contacted Sunrise Credit Services, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX on XXXX. I explained that these outstanding debts did not belong to either of us. They offered to accept lower money reimbursement in lieu of the full amount. I again explained that we did not owe either of these debts. We have NEVER had an XXXX XXXX account. We are both over XXXX XXXX XXXX, my husband has XXXX and we have always had very good credit. These bills do not belong to us and we have NEVER received a statement prior to this appearing on our credit reports at XXXX, XXXX, XXXX XXXX. They will not remove it and, after I disputed these via dispute method with the credit reporting agencies, was told the debt stands and the company has said it is our debt. It is definitely not. It just is not ours. Someone either has done this as identity theft or fraud. Please help.

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 2022-09-09 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: FL

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 account # XXXX, has violated my rights. 
XXXX XXXX  account # XXXX, has violated my rights. 
XXXX XXXX, XXXX account # XXXX, has violated my rights. 
XXXX XXXX, XXXX. account # 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 reporting agency can not furnish a account without my written instructions.

15 U.S.C 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 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 relation 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 2022-09-09 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I contacted Experian to inform them my banking information reflected under billing was not entered by me. I explained to them after being transferred 6 times I have not initiated adding my banking info nor granted them permission. I spoke with supervisor by the name of XXXX and was told that I will need to read the terms and conditions which should state payment information could not be deleted off the site by customer nor Experian. I then requested a copy of the terms and conditions acknowledging I understood the terms and conditions and he stated they do not have any copies. I am attaching the phone conversation and documentation of information for billing. My banking credentials need to be removed.

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 2022-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX became a new servicer to XXXX XXXX XXXX XXXX specialized loan servicing during that time my moms annual loan statement came out and showed a deficit in the escrow balance. She included with her payment a payment to be applied for the total of the deficit in escrow. The servicer XXXX XXXX specialized loan servicing did not apply The payment of the deficit amount to toward the escrow DEF deficiency therefore it got wrapped into the loan and the payment became larger. She was given a choice to either pay that deficiency in full or have it wrapped into the loan. She decided to pay the deficiency in full in addition to making her mortgage payment on time. Shes never been late. The servicer today has been slow to fix and redirect the deficiency amount to be applied in full and while my mom is protected under RESPA now two payments have passed without being paid until they can figure out the math. This is been a very frustrating process I believe somebody should be watching over their shoulder because Im sure we are not the only ones.

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 2022-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC

Complaint narrative:
I was in foreclosure the only option the lender told me I had was to do loss mitigation. I started that on XX/XX/2022 and they just kept dragging it and dragging it until I got a sale date. I dont think that that was fair to me and my kids. I was out of work for covid and wasnt able to pay anything. Every little bit I received I had to pay other bills as lights and water. So now they sold my house and my lender brought it and I have no options and no idea what to do except me and my kids be on the street. That lender is Cardinal Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have been contacting Kia since the beginning of XXXX that I have lost my job and I am struggling to keep up with payments I asked for a deferral and I was denied because they stated I havent made enough payments to qualify for a deferral I then continued to struggle to make the payments because I can not be out of vehicle because I have XXXX children. In XXXX I contacted Kia and spoke with a representative that escalated the call to a supervisor who advised me if I made one full payment I will be eligible for a deferral. I made the payment and called back in XXXX and they submitted the request for a deferral and it was denied. I wasnt able to pay because Im on the verge of being XXXX so I continued to try and try they contacted me in XXXX and stated that if I didnt make a payment today my car will be repossessed I only had XXXX dollars and they stated that wouldnt stop it had to be XXXX and if I made the payment I would be able to submit the deferral for 2 months so I called around got this money and went ahead and got it paid the following the day and asked the representative on the phone would I be able to do the deferment now and they stated no the payment has to be fully processed before they are able to do this. These calls are recorded and this is stated every time you speak to someone. Kia has not worked with me Ive lost my job because I was XXXX with XXXX  and now Im playing catch up and this company has been giving me the run around. I will be reporting this to the attorney general as well something needs to be done its no way possible that they consider this ma ethical way of dealing with business

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 2022-09-09 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: FL

Complaint narrative:
I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Accountname- XXXX XXXX XXXX XXXX XXXX According to the FCRA the term XXXX investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available 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 non-monetary relief
Consumer complaint received 2022-09-09 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: FL

Complaint narrative:
I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA the term `` investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available 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 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BAM Management US Holdings Inc.
State: NJ

Complaint narrative:
On or about XX/XX/XXXX, right before the fraud transactions happened ( XXXXXXXX XXXX XXXX account attached to email XXXX, a series of fraudulent activity also occurred on multiple platforms. I had fraudulent activity on my credit cards ( XXXX as well ), social media accounts, and my email login credentials were changed. ( I attached photos ) It wasnt immediately noticed that a large amount of money was removed from my savings account, as I rarely check that, thinking it was safe. The police were notified, and an identity theft report was filed. This has been a very stressful situation for me and the hardship it caused is unimaginable. 

XXXX XXXX mailed me letters from the merchant that contains IP address login information, which is part proof of Authorization, from me. Whats bizarre about those, I was able to recover my emails and there was email sent From the merchant that also contains IP addresses, only one of the the 8 which matched the ones on the documents they sent to XXXX They were all from different locations some relatively near and some far from my hometown, including XXXX XXXX XXXX XXXX. The information that the merchant is providing seems very in accurate and questionable. Ive contacted XXXX XXXX fraud department. They were able to recover 5 of the 12 unauthorized charges. After that Ive gotten no help. Ive asked for a written explanation from the bank multiple times so that I could prove My innocence.. Im not sure how Im being told some charges were unauthorized and refunded to me, but the others were authorized. Im not a scammer, and none of the charges were authorized by me. 


On XX/XX/18, I had {$5000.00} taken out on an IP address in XXXX  How is that me? I am attaching screenshots of the IP address along with its location. I would like to get to the bottom of this and be helped before forcing this to arbitration. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: CT

Complaint narrative:
I filed a complaint against Upstart with the XXXX- in regards to interest, NSF fees for charges that they had on auto-payment when that's not how it would've been set up since I'm paid bi-weekly and dates change and it's too difficult to keep on going in changing dates. They removed interest fees but refused on the NSF fees. On XXXX XXXX, 2022 they attempted to take {$100.00} out of my account. They did not have permission for this charge. They had permission for a {$50.00}. The {$100.00} didn't go through because it was attempted yesterday and I don't get paid on Thursdays, so I wouldn't have done it for that reason, Also I had cleaned out most of my account due to fraudulent charges and my bank is in NY, I'm in XXXX So I also needed to be able to have access to my money. I've been waiting on my new debit card for just over a week. And if I scheduled {$100.00} why would I go back in and do a second charge for {$50.00}? So now on XX/XX/XXXX they are going to try and take {$110.00} out of my account that they don't have permission to take. They are constantly emailing with threats of interest charges, NSF fees, and a late fees. I regret ever getting a loan with them. I spoke with a supervisor who stated that the payment for the {$100.00} came from their side, not mine, but she had to dig into my file to find out how this happened. Really? Someone goes into my account and sets up a fraudulent charge? No. Not happening. I will change all my banking info.

Company response to consumer: Closed with explanation