vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to submit a formal complaint against XXXX located in XXXX, GA., XXXX located in XXXX XXXX, FL., and Experian located in XXXX XXXX XXXX CA XXXX This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, XXXX, XXXX, and Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of XXXX, XXXX, and Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your 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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud said company had 4 days according to the law to remove such items. FTC fraud report on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for an e-oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX New York XXXX XXXX securities XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New York XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing for XXXX XXXX XXXXXXXX XXXX to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud said company had 4 days according to the law to remove such items. FTC fraud report on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for an e-oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing for 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to file a formal complaint against Capital One concerning the handling of my Capital One Quicksilver Credit Card application and subsequent account closure. 

On XX/XX/2023, I successfully applied for and was approved for the Capital One Quicksilver Credit Card with a {$200.00} sign-up bonus. However, on XX/XX/2023, my account was temporarily restricted, and I was instructed to provide supporting documents, including a State Government-Issued ID, Social Security Card , Proof of Residence, and Bank Statements XXXX 

Promptly, on or around XX/XX/2023, I submitted all the required information as requested by Capital One. On XX/XX/2023, I received a call from a Capital One representative stating that the supporting bank statement from XXXXXXXX XXXX that I initially provided did not include an account number which they required. In response, I immediately sent an alternative bank statement from XXXX XXXX on the same day to fulfill this requirement. 

Subsequently, on XX/XX/2023, having received no response from Capital One, I proactively contacted them for an update. During this call, I was informed that my documents were received, and they needed additional time for processing. Following their advice to be patient, I waited several weeks for a response. However, not receiving any communication, I decided to follow up on XX/XX/2023. 

During this call, I was informed that Capital One had received and processed the supporting bank statement from XXXX XXXX but required further verification of the ownership of the account. The Capital One representative initiated a conference call with XXXX XXXX, during which the ownership of the account was verified. Subsequently, the representative requested a final piece of information : three months of bank statements from the verified XXXX XXXX account. I promptly submitted these supporting statements minutes after the call. 

To my astonishment, on XX/XX/2023, I called Capital One once again to inquire about the status of the verification process, only to discover that my Credit Card account had been closed on the same day as my previous call on XX/XX/2023. The reason provided for the account closure was inaccurately stated as my failure to supply the requested supporting documentsan assertion clearly contradicted by the fact that I had diligently provided all requested information at each stage of the process. 

This unfortunate situation has led to considerable inconvenience, and it appears that Capital One, through false statements and expressions of hope for the verification of my supporting documents, has misled and deceived me during the intervening period. I request a thorough investigation into this matter and a prompt resolution to rectify the unjust closure of my Capital One Quicksilver Credit Card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: OH

Complaint narrative:
I have been in repayment with Discover since XXXX, the year I graduated from college. Since then I have never missed a payment that resulted in default. I have always found a way to make my payment but recently my finances have became worse. Since XXXX of this year I began to struggle making my monthly payments on time. I inquired about refinance, payment assistance programs, and deferment. With the interest rate increase, my minimum payments increased from {$800.00} to {$1400.00} a month, making it impossible to make the payments on time. I didnt qualify for refinance, which I tried several times, the repayment programs didnt last long and were only temporary. The last payment plan I was on dropped my payments from {$1400.00} to {$1100.00} which was still impossible to pay. I began paying what I could. 

On XX/XX/XXXX I spoke with a representative about the public service deferment. A public service deferment would mean me making XXXX dollars in payment for up to 36 months. The representative asked if I had did this type of deferment in the past and I said yes but Im not for sure how long I did it for. I asked if she could look it up to see and she told me she couldnt because I was in a payment program. I asked is there anyway you could see without me dropping the program, and she said no. At this point I had to take a chance because there system would not allow them to see past information. 

I decided to reach out to the XXXX XXXX and get a letter containing all the information they required to be entered into the public service deferment. Once I obtained the letter I called in on XX/XX/XXXX to let them know I was uploading documents and if they could see past information now. The representative said no you will need to drop the program, so I dropped the program. 

On XX/XX/XXXX I called to check on the documents that were uploaded. I was told you dont qualify and you cant get back into your program. I asked to speak to the supervisor to discuss this because I didnt think it was fair to have to drop the program to see if I qualified. I asked the supervisor to review the tapes because at the time I was unsure of what was said. I was told the supervisors would call me back after reviewing the tapes. 

I made several calls after no response to the supervisor, I made calls on the following dates : XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Each time I called there was no update, or the supervisor wasnt there, or he will call you back, or he hasnt reviewed the tapes yet. 

On XX/XX/XXXX I spoke with the representative XXXX, who took the time to review the tapes. He stated I shouldve received a call back, he admitted that the situation was not right and that there system was not good. He said there should be a way to see all information regardless of what program you are in but told me I was out of luck and that I couldnt get back into my program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting 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: TX

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. 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 an 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.

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 2023-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Mr. Cooper had a breach to their system. It was back up and running and all payments were processed for XXXX. Trying to access my account with account #, social, on app, website, and phone and my account can not be located through any of these. Can not reach a person to even confirm if my account exists. I pulled out original loan documents and have entered all correct information and every means of communication says my account does not exist. Im concerned their system has been breached and there has never been a follow up to me as a customer from the original breach to let me know if my personal information was compromised. Disappointing to say the least. My immediate concern is the fact that my account does not seem to exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i was have received multiple letters and emails regarding a collection that has violated my rights and do not owe. I am not liable for this debt to XXXX. I have no contract with XXXX XXXX XXXX. i have not given them my written authorization to furnish this on my credit report. i have written them explaining how they have violated my consumer right to privacy by furnishing this on my credit in accordance to 15 us c 1692c they need my express permission to furnish this on my credit. They not received any written or verbal authorization to furnish this on my credit. Also i have sent them a cease and desist letter demanding that the stop any and all forms of contact including on my credit report. In accordance with 15 us c 1692c as well. i have filed a complaint with the better business bureau in regards to this violation. If my rights continue to be violated i will have no choice but to pursue legal action seeking compensation for statutory damages. 

XXXX XXXX ( Original Creditor : XXXX XXXX  ) XX/XX/2023 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 explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account in dispute : XXXX XXXX I have provided full payment to XXXX XXXX for the alleged debt. It had been paid as agreed and never late but its showing as closed and incorrect payment history. 

I have provided certified proof the alleged debt was paid attached Please provide me with ALL documents XXXX has as evidence to prove this alleged debt.

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 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
XX/XX/XXXX I had XXXX credit cards accounts open with XXXX XXXX XXXX now know as XXXX XXXX. 

Cc # XXXX Milestone - after XXXX XXXX and XXXX XXXX refused to help to close the account. XXXX XXXX made payment arrangement to close account at {$280.00} with waived interest charges and a late fee. 

Cc # XXXX Indigo - After XXXX XXXX and XXXX XXXX denied me to close account but transferred me to Mgr. XXXX made payment arrangements to close account {$130.00} waived fees and interest. 

XXXX their policy I informed both CCs regarding why no confirmation was received for payment arrangements and the inaccurate statements received. ONLY received closed account letters. My consumer rights were violated when stating I wanted to record as well to XXXX XXXX, XXXX XXXX acted as if she didnt hear me ) transferred to XXXX. XXXX who threaten me XXXX for stating I was recording for my protection and he ended the call! 

XX/XX/XXXX - XXXX their policy I informed of the inaccurate statements.I was afraid to state I would like to record and Mgr. XXXX confirmed payment arrangements and will resend out letters for stating arrangements for closed accounts. 

XXXX XXXX only received closed account letters and no confirmation of payment arrangements. XXXX XXXX stated no notations on accounts. Transfer to XXXX XXXX XXXX XXXX to initiate proof of arrangements dispute investigation. I was told the discrepancy policy was for active accounts only. But I reiterated XXXX receiving statements and not the payment arrangement confirmations letters as promised. She said, She will request a statement from XX/XX/XXXX. When I made arrangements and closed accounts. I Never received anything! 

XXXX XXXX XXXX XXXX no notations or payment arrangements on accounts. Transferred to XXXX XXXX who threatened that the call will be listened to from XX/XX/XXXX regarding payment arrangements. XXXX Received a voicemail to call her back l few days after call. 

XX/XX/XXXX I returned the call and XXXX XXXX stated no other Notation from Supervisor XXXX but Accounts will be taken care less then 30 days which XXXX XXXX explain what it means and will request a call back from that supervisor. I was put on hold for another XXXX for XXXX but call ended. 

As of today XX/XX/XXXX No response from XXXX XXXX as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got an auto loan for a XXXX XXXX XXXX from Capital One Auto in XX/XX/XXXX. O contacted Capital One in XX/XX/XXXX to advise them I was not able to pay for repairs needed on the car and also I was not able to afford the car any longer. I spoke to Capital One on numerous occasions about this matter and let them know I wasnt in possession of the vehicle. I spoke to someone in the " impound dept '' for Capital One a male to let him know that the vehicle was at XXXX XXXX XXXXXXXX XXXX. I was told they would go pick up the car. I was told it may or may not be considered a repossession. This was a voluntary repossession because I gave them back their car. Since then Capital One has kept adding fees as if I still have the car for monthly payments I paid when I had the car of XXXX XXXX monthly. They have continued to charge me this and I do not have the car. They have sent negative marks on my credit report as well. I have tried to dispute this and they continue to put negative balances on my account applying these fees monthly as if I had the car in my possession. They have basically harrassed me by calling every single day sometimes up to XXXX times a day. Ive had to get my number changed due to this. Its been constant harrassment. I have notified the XXXX of this as well because I am no longer responsible for this car as of XX/XX/XXXX. Whatever has happened or whoever has the car now is responsible for whatever fees. The car shouldnt even be in my name anymore. A XXXX employee looked up the vin and it showed another company or persons name has this car so why are they constantly reporting negative marks on my credit report and constantly calling sending mail to my family members home? This is Not my vehicle anymore! I gave it back to them! I no longer have any ties to this car and the negative marks and balances for this car needs to be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2023, I transferred via XXXX  transaction {$900.00} from my personal checking account with XXXX Bank to my online Chime account. For some reason, Chime placed my account in security status and requested several documents from me to prove the validity of the deposit. Over the course of the next XXXX weeks, I called them several times and provided the documents requested on numerous occasions, yet they refused to release the funds or return them to my checking account. 

Eventually, I became tired of the XXXX. they were putting me through so I called my personal bank to dispute the XXXX transaction. XXXX refunded me the {$900.00} and as soon as it was credited back to my account I immediately called and emailed Chime to request they close my account, as per their policy for closing an account. 

It has now been an additional XXXX ( XXXX ) weeks and they still have not closed my account. As a matter of fact, every time I call or send an email, they are still asking me for the documentation they asked me for a month ago. I am totally at my wits end and feel like Chime is deliberately neglecting to honor my request. I have spent over {$100.00} on international calling fees and now have to call all of the credit bureaus to ensure Chime hasn't abused my personal data because I utterly do not trust them. 

I want my account closed and I do not understand why Chime won't even adhere to their own published policy of closing an account upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I applied to a Wells Fargo autograph credit card ref XXXX XXXXXXXX XX/XX/2023 I was denied but according to Section 15 of the United States Code ( 15 U.S.C. ) Section 1691 within this title is part of the Equal Credit Opportunity Act ( ECOA ), which aims to prevent discrimination by lenders against credit applicants based on race, color, religion, national origin, sex, marital status, age, or because the receive income from a public assistance

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