vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Defrauded, scammed and held hostage by a moving company / moving companies that do not have a license to operate in New Jersey and by company and companies that does not have a mandatory active XXXX XXXX XXXX XXXX XXXX 

We have XXXX XXXX XXXX XXXX XXXX  of damage to our home and property. 

Prior to the second shipment being delivered, XXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX movers emailed us on Wednesday XX/XX/XXXX at XXXX stating that we the XXXX shipment will not arrive on site and will be held at a different location nearby until we wire him money to a strange account, that is not in the agreement. We were instructed in his email and his movers would not come to the house and be at XXXX location until we wired money. Wiring money was not in the agreement. He refused to apply discount nor take credit card per agreement and email from XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I replied XXXX XXXXXXXX that we will not wire money because its not in the agreement and that he needs to apply the discount upon delivery as promised in agreement. 

XXXX XXXX XXXX XXXX  XXXX, who promised discount, blocked my phone calls and refused to call us back as we dealt with this on-going nightmare. 

Once again we were in another standoff and XXXX situation for our items, which were XXXX XXXX XXXXXXXX  as we were instructed that the driver would not wait past XXXX XXXX at another location until the wired funds hit his account at XXXX XXXX  XXXX 

XXXX, had XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We were forced to wire an additional {$4700.00} from my Capital One Account to wire transfer to his Bank : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX Routing # XXXX Account # XXXX or they would hold our XXXX  XXXX and then charge us holding fees. 

The second shipment came late as well and came XXXX XXXX. The movers then wanted more money upon delivery. 

The {$2000.00} discount was never applied like promised, and we were held XXXX to get our items back. 

The first shipment was delivered by guys hired via XXXX XXXX XXXX  and not professional movers, which we had hired per agreements. 

This is afteXXXX XXXX XXXX XXXX charged me {$8000.00} to my visa even though they were not apart of the contract. 

I also never even XXXX  this company, they were outsourced by XXXX XXXX XXXX, who's owner has been XXXX  of XXXX  and XXXX  customers as well. 

These companies do a lot of business together and all of their reviews are littered with XXXX and fraud complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I used my Cash App card to pay for a hotel room and the incidentals on XX/XX/2022. The amount the card was preauthorized for was {$190.00}. The settled amount was for {$160.00}. CashApp is refusing release the difference between what was charged versus what was held for the authorization. Saying that I must dispute the transaction that they do not get an updated amount from the merchant. Its my responsibility to contact them and have them refund the amount to me as they were sent the entire amount. Which is invalid and not accurate as this is not at all how pre-authorizations work. I have tried to get them to correct this, showing them that theyre blatantly lying when they have said they dont receive the updated amount the card is processed for that is literally included as part of the transactions details in the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Hello, I have an Amazon Store Card through Synchrony Bank. They took out my payment twice from my checking account for {$250.00} on XX/XX/2023. 

I contacted them on XX/XX/XXXX about the issue. Had I not mentioned it, they would have never said anything. 

I currently have a credit of {$250.00} on my account. The customer representative told me a check was being sent and might arrive in XXXX business days.

This was an electronic payment ; it needs to be reversed electronically and immediately. The company sitting on my money for 14 business days is unacceptable.

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 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I contacted Kohls Credit card company regarding a credit card that was taken out by my ex husband without my consent in my name. There was a domestic XXXX situation involved at the time it was discovered and I had not addressed it for that reason. I contacted kohls to try and see what my options were to remove this information from my credit report and explained the situation. As a single mom of XXXX I am trying to purchase a home and this is damaging my credit. I even offered to pay it off if that would help me. They assured me I should not pay the debt and would investigate. Over a month went by and I contacted them again to find out the status of the investigation. I spent over an hour on the phone with them while they looked into details. I told them that if they were not going to do anything I wanted to see the original application for this debt since I did not sign anything or agree to this. During that phone call I was told by the kohls fraud department that they were extremely back logged but that this account was going to be removed from my account and that they didnt even have the original documents anymore. I asked her if it was her opinion it would be removed or if she was certain that it was being removed and she assured me it was being removed and to please just be patient with them. Today I got a notification on my credit bureaus that kohls had updated my account to say the account was disputed and that it was valid and my scores went down XXXX points. I have been given the run around, lied to and time wasted. I want this account removed from my credit bureaus if they are not going to provide the original application and proof that this is in fact an account that they claim to be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is computation error or similar in the two-year payment history. Showing inaccurate reported for XXXX XXXX XXXX XXXX  needs to be deleted as soon as possible. It has to be deleted to show 100 % payment history. The account overall is positive and good standing. I am attaching supporting documents. FTC Report has been attached.

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 2023-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
In XX/XX/2022 I applied for a forbearance loan modification with my mortgage company XXXX XXXX XXXX  I asked if they could put the money ( {$25000.00} ) I was behind on to the back of the loan. Instead, they did something that was very odd, they took {$120000.00} out of the {$450000.00} mortgage amount and separated it into a 2nd lien. I wanted to put the entire mortgage amount together because I wanted to use my equity, but to do this I would have to refinance for a higher interest rate and that is just too much. I have asked XXXX numerous times if they could put the loan back together, and they said no. 
I'm asking for your help to consolidate my loan back together at the original interest rate. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I purchased a XXXX  XXXX XXXX  from XXXX XXXX for suppose to be sale price of XXXX with a trade in of XXXX, they got me approved through credit acceptance with an interest rate at highter percentage than they said! The dealer also said dont tell no one we have you XXXX for you XXXX only credit acceptance if they ask! On my paper work after I left they never even showed the XXXX for XXXX and the cost is XXXX! XXXX still paying and getting no where its XXXX  me! I contacted dealership and they said the sale was complete and explained but it was not!

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 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I contacted Wells Fargo on XX/XX/XXXX asking for help to lower the interest rate in order to make my monthly payments more affordable. To be honest I don't even know my interest rate and the rep never disclosed it. I only see an electronic payment due date and payment amount. I am struggling to make my monthly payment and asked the rep for XXXX XXXX XXXX. My last payment was on XX/XX/XXXX for {$100.00} and I missed my XX/XX/XXXX and XX/XX/XXXX payment and I now owe {$530.00}. I told the rep I could only afford {$50.00} or {$65.00} on a balance of {$2700.00} with my credit limit at {$2500.00}. I've had this card since XXXX  and my balance as consistently been at {$2500.00} or {$2800.00} for the past XXXX years. I've been maxed out the whole time and the reps resolution was to close my card and remove my XXXX rewards. The account was considered closed to me because it was maxed out!! My balance never goes down. I usually was making anywhere from {$83.00} to {$120.00} but with inflation and everything else I simply can't afford to make payments on a card that never changes the total due. I asked if I can make lower payments and stretch out payments to pay the balance off. She said we can't do that. She ended up closing the card but advised I will continue to pay interest and late fees. So basically I will probably end up paying another several XXXX dollars with no benefit to me but full benefits to Wells Fargo Bank. I want to make payments but would like some flexibility and help so I can successfully meet my financial obligations and not fail. I have concerns because each month I am paying approximately {$18.00} in interest, {$40.00} late fee and {$46.00} in cash advance since my card is over its limit amount. So many fees!!! The added fees are increasing my balance but also adding on extra fees making it impossible to bring the balance under my maximum {$2500.00} limit. Wells Fargo even sent me a letter saying to call if I need assistance but they really don't have anything for me. This is causing me extra financial stress.

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 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have been to numerous things trying to open an account I have contacted FCC of contacted everyone to ask me to contact regarding my identity and not being able to use my social security card with any of these Banks I have tried with unemployment my social security administration I reported identity theft and no one has been able to give me no type of answer and I need someone that can explain what's going on to me or I'm going to keep following his complaints and keep on his complaints so could you please contact me and let me know what's going on thank you bye

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 2023-01-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX is reporting a {$27000.00} balance on my account, and showing it as a charge off on all XXXX major credit bureaus. My online XXXX account shows they received over {$14000.00} for my vehicle that was illegally repossessed. It shows the payment posted on XX/XX/XXXX, yet on XX/XX/XXXX they also again reported a {$27000.00} charged off balance, instead of the {$9000.00} balance that my XXXX account shows. They also still have not subtracted my service contract amount of {$3500.00} that I was not allowed to use, never used and never received paperwork on. I have disputed this since I purchased the car in XXXX because I was forced into it after being told it came with the new car purchase, which is deceptive practices. I was never notified of the sale of my vehicle either. I want XXXX to completely delete this account from my credit report immediately since they have continually reported wrong information and refused to fix it. There is no reason that they should be allowed to continue to cause me further financial and credit harm.

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 2023-01-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX is reporting a {$27000.00} balance on my account, and showing it as a charge off on all XXXX major credit bureaus. My online XXXX account shows they received over {$14000.00} for my vehicle that was illegally repossessed. It shows the payment posted on XX/XX/XXXX, yet on XX/XX/XXXX they also again reported a {$27000.00} charged off balance, instead of the {$9000.00} balance that my XXXX account shows. They also still have not subtracted my service contract amount of {$3500.00} that I was not allowed to use, never used and never received paperwork on. I have disputed this since I purchased the car in XXXX because I was forced into it after being told it came with the new car purchase, which is deceptive practices. I was never notified of the sale of my vehicle either. I want XXXX to completely delete this account from my credit report immediately since they have continually reported wrong information and refused to fix it. There is no reason that they should be allowed to continue to cause me further financial and credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX is reporting a {$27000.00} balance on my account, and showing it as a charge off on all XXXX major credit bureaus. My online XXXX account shows they received over {$14000.00} for my vehicle that was illegally repossessed. It shows the payment posted on XX/XX/XXXX, yet on XX/XX/XXXX they also again reported a {$27000.00} charged off balance, instead of the {$9000.00} balance that my XXXX account shows. They also still have not subtracted my service contract amount of {$3500.00} that I was not allowed to use, never used and never received paperwork on. I have disputed this since I purchased the car in XXXX because I was forced into it after being told it came with the new car purchase, which is deceptive practices. I was never notified of the sale of my vehicle either. I want XXXX to completely delete this account from my credit report immediately since they have continually reported wrong information and refused to fix it. There is no reason that they should be allowed to continue to cause me further financial and credit harm.

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 2023-01-09 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.

According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.

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 2023-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I, XXXX XXXX, consumer, On XXXX XXXX, I talked to a representative from Capital one and they stated I was approved for a XX/XX/2022charger, from XXXX XXXX XXXX XXXX XXXX. 
My denial of XXXX XXXX XXXX XXXX XXXX offer of down payment towards the vehicle, cause me not to be able to negotiate, and XXXX XXXX unfair and deceptive practice, cause me not to obtain the vehicle. 
On XX/XX/XXXX, Capital One then Declined my credit. ( see attachment )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
XXXX : Family of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Account ending in XXXX Below is your response to my last complaint : Please know the account charged off on XX/XX/XXXX, with a {$110.00} outstanding balance. That outstanding balance was paid in full on XX/XX/XXXX. Upon investigating this complaint, we found the account has been reporting inaccurately to the credit bureaus. We extend our sincerest apologies for this error. Weve requested the three major credit bureaus ( XXXX, XXXX and XXXX ) update their reporting to accurately reflect the account as charged-off, paid in full. Please note this update could take up to 30 days to process. Weve confirmed we sent letter responses to all three of your previous debt validation requests, which we received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Our responses were sent to you the day after we received your requests. Enclosed for your reference are copies of the original credit card application, the terms and conditions applicable to the account, the above-referenced debt validation responses and your billing statements from XXXX XXXX XXXX. Should you have any additional questions, dont hesitate to reach out to us at XXXX. 

Since you have inaccurately reported I there is a goodwill adjustment/deletion that must take place according to the FCRA

Company response to consumer: Closed with non-monetary relief