vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had five IRA CD accounts with Capital One. They had decent interest which evaporated in a year. 

Recently, they decided to simply drop handling IRAs. They informed me that in XXXX sometime they would transfer it to XXXX. They consolidated the accounts into one except for a CD that had not yet matured so I have two accounts STILL with Capital One. 

After some research, I decided to shift the entire amount to XXXX. Today, they informed me that Capital One said they aren't handling it and I needed to provide the XXXX  account information -- which of course I do not HAVE because Capital One is still holding MY money to apparently do with as THEY wish, not as I have directed. I spoke with them today, XX/XX/2022 and was informed, as evidenced by logging in to my account, that the funds are still held by Capital One. 

This is quite simply fraud. Can you help me? 
Thank you for your attention. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: TX

Complaint narrative:
A fraudulent account was opened in my name through XXXX on XX/XX/XXXX. My credit file was locked through Experian and I was not notified by Experian of an inquiry on my credit or a new account. At this time there were charges to my debit card through XXXX to XXXX. This was the first I had heard of XXXX. I disputed the charges with XXXX and they were able to credit my account for the fraudulent charges ( XX/XX/XXXX ). On XX/XX/XXXX I got another charge from XXXX and I instructed my bank to put a stop payment on anything associated with XXXX XXXX. Around this time I opened a new bank account because I was frustrated with all the fraud I had been dealing with on my XXXX  account. Through this new bank account I got a membership through XXXX On XX/XX/XXXX I received an alert from XXXXt that XXXX was reporting a new account in my name through XXXX ( this was the first I heard there was a fraudulent account opened in my name ). I disputed the account through XXXX and they still have not gotten in contact with me regarding the results ( current date is XX/XX/XXXX ). On XX/XX/XXXX I got another alert for the same XXXX account through Experian. I have a monthly subscription to Experian and always have my credit file locked so at this point I was confused and disappointed that the account was able to be opened in the first place and that Experian had never reached out to notify me. I then submitted a dispute through Experian. The results of the dispute ( I received on XX/XX/XXXX ) were that all information was correct and it would be left as is. I tried calling the phone number for Experian but as per usual it was impossible to speak to a representative and their menu navigation options were not applicable to my situation. I then reached out directly to XXXX XX/XX/XXXX and they were able to resolve the issue on a 30 minute phone call. I received a letter from XXXX stating the account was in fact opened fraudulently and everything would be taken care of. Im very disappointed that Experian let the account open ( since my credit file was locked ), Experian did not notify me of an inquiry or new account and Experian was not able to resolve the issue. Experian has also been very difficult to work with. Its almost impossible to speak with a representative and their automated call system is confusing.

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 2022-05-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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

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 2022-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: MoneyLion Inc.
State: IA

Complaint narrative:
I made a money lion account and took out 2 cash advances. One on XX/XX/XXXX of {$100.00} and one on XX/XX/XXXX of {$50.00}. I repaid this advance on XX/XX/XXXX. Since then there have been the following transactions NOT done by myself : XX/XX/XXXX Cash Advance of {$160.00}, {$320.00}, and {$330.00} XX/XX/XXXX Cash Advance of {$810.00} XX/XX/XXXX XXXX  deposit {$50.00}, {$100.00}, {$100.00}, {$100.00} ( see attached images ) XX/XX/XXXX XXXX Plus MoneyLion Loan {$300.00} ( see attached images ) XX/XX/XXXX Cash Advance of {$110.00}, {$260.00}, and {$260.00} XX/XX/XXXX Loan of {$1000.00} The cash advances were being done on a MoneyLion XXXX  card along with a multitude of additional transactions ( located in attached images ) and I do not obtain any sort of MoneyLion card. 

I have been trying to contact MoneyLion with requests to close my account and report fraud since XX/XX/XXXX when I was notified of the transactions. They said they filed a fraud claim, but fraud continued until today, XX/XX/XXXX when I called and refused anything besides closing/deactivation of my account. I have reported fraud on both of my bank accounts that have been compromised, but have yet to see reversal of money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have asked XXXX, XXXX, and Equifax on numerous occasions to remove personal information errors off my credit report, they either do not respond or the falsely verify with no grounds. These things need to be removed off my credit report at once. 


XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have asked XXXX, Experian, and XXXX on numerous occasions to remove personal information errors off my credit report, they either do not respond or the falsely verify with no grounds. These things need to be removed off my credit report at once. 


XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX 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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The Credit Bureau stated the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was reporting accurate and im trying figure how that is possible if the there is not an account # number and the date of last activity is not reporting correctly on all 3 bureaus which is ground for automatic removal.

They also violated my rights under the 15 USC 1681 section 604A section 2. The law clearly states that a consumer reporting agency can not furnish information on my credit report without my written instruction, and they clearly violated my rights.

They also violated my right under 15 USC 1681 section 611 ( 2 ) ( a ). The law clearly states the credit Bureau has 5 days to notify me from the when they receive my disputes they didnt. 

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( i ). The law clearly states that if an item on a credit report cant be verified and its inaccurate it needs to be removed.

All in all the point of the FCRA is make sure consumers rights are not violated and the credit bureaus use an E Oscar system to do disputes which is not what is required from them saying account inaccurate and not doing an investigation and have to send me anything showing how they investigated these accounts. See attachments for the account above show how inaccurate they are and was said to be accurate..

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 2022-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Hi there. 

I have been trying to get a Lien Release letter from Hyundai Motor Finance for a XXXX XXXX that I purchased out from my lease on XX/XX/22 ( payment amount : {$11000.00} ). I was sent the title in the mail ( from Georgia ), but when I went to register the car in New Jersey, I was turned away at the DMV because I was not sent the lien release form from the financial institution ( Hyundai ).

I have been trying to get the lien release sent by Hyundai Motor Finance since XX/XX/XXXX, and I was told then that it would be mailed in 10 days AND faxed to me within 4 days. Neither of those things happened, and I have now had to reschedule DMV appointments multiple times, which are not easy to get. I have been told on the phone several times that the " back office '' needs to process the request, which apparently takes multiple days, and then they told me that I will have to call them back for an update. I have had this same conversation multiple times, and they have no record of why it was never sent, and I'm not confident that this next request will be sent. 

I have agreed to sell the car and have a buyer lined up, but I am now being forced to hold up the sale of my car due to not having the Lien Release, which is something that should have been sent on XX/XX/22 when I purchased the car. I do not understand why a simple letter can not be emailed/fax/mailed instantly. 

I have seen multiple people across different websites complaining of the same behavior at Hyundai Motor Finance and I will not be leasing/purchasing a car from them ever again. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX opened a student account with Suntrust in my name to pay my tuition. My government loan was automatically deposited into this account each semester to pay my tuition. Naively, I believed they were only giving me the amount I needed. It wasn't until recently, while applying for PSLF, that I learned I was given far more than I needed ( thousands more- $ XXXX more ) when I compared what XXXX charged with what was actually dispersed. It was not unreasonable to believe that I was only given what I needed ; I was a kid, I didn't know any better and neither XXXX nor Suntrust told me. I lived in XXXX  for XXXX years after I graduated and I never received any bank statements to let me know this account existed. Nor was I notified that the account was closed for dormancy ; despite, the terms of the Suntrust account stating that after 12 months of dormancy it would be closed ( which should have amounted to no more than {$900.00} or {$15.00} per month in fees ). Had I had any notion of this account I would have immediately closed it and sent the money to my loan so as not to have been paying interest on it all this time, but at this point the money is mine. Suntrust recently merged with BB & T and became Truist. I called Truist and was informed that my account was last updated on XX/XX/2022. It has my current address in XXXX. We are a military family so we move frequently, however, they have my current address ... which only leads me to believe they have been able to reach me all this time. But regardless, when I graduated I lived in XXXX and I continued to live in XXXX for 3 years afterwards at the same address. Furthermore, I forwarded my mail for an entire year afterwards. Then we bought a house in XXXX  and had our mail forwarded for an entire year after that. There is no excuse for not having been able to at the VERY LEAST send a single bank statement in XXXX years. It's almost as if at this point, they didn't want me to know I had the account and were deliberately preventing me from knowing about it. When I talked to their representative she could not tell me how the account was closed, why, where the money was sent, why I never received bank statements ( despite not having online banking ), why it wasn't closed for dormancy, nothing. There was no available information and advised me to go to a local branch. However, being that I live on the XXXX XXXX and this is a sXXXXXXXX XXXX that is very difficult.

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 2022-05-17 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: DISCOVER BANK
State: NY

Complaint narrative:
I purchased some furniture from XXXX prior to moving into my new place on XX/XX/2020 and I had many issues with the furniture ex : 1 inch differential between each drawer leaving a visible gap. Chips on sideboards that was damaged during setup by XXXX which is the company they use. I was refunded monies several times but Discover sent me a physical check in XXXX and than months later told me they shouldn't have sent it. So they applied the money BACK to my account. I have names of who i spoke with and after sending XXXX XXXX emails I decided i would try and let Discover resolve this. They failed me in every way possible. Especially since I was asked to send them proof that my replacement furniture was on back order for over a year. XXXX sent me an email XX/XX/XXXX stating your order is delayed and Discover still has not reversed the amount to a permanent fix. I don't know what else to do. They caused my FICO to drop over 62 points because of this issue. I need a permanent resolution, plus they are charging me interest on top of everything else! Disgusted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: AL

Complaint narrative:
On XXXX/XXXX/XXXX I submitted a CFPB report for Experian because they are listing inquires on my credit report. In the CFPB response they stated that the inquires that I am disputing aren't on my credit file, in which they are lying. I believe this is a prewritten response they did not even look at my credit report. I submitted evidence of the proof in the attachments. They also never responded to any of my letters I have sent them and I know they received them because I put a certified tracking on them via USPS. I have contacted all of the creditors that are on my credit report and not XXXX of them could provide me with a document of any credit application with my signature on it. I asked the same for Experian who keeps ignoring my request. I believe they are lying to keep this inaccurate information on my credit report. I am going to put each inquire along with the dates in this complaint and I am going to provide proof that i tried to handle this with the company. 

The inquires that Experian stated that was not on my credit file in the last CFPB complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: AZ

Complaint narrative:
I XXXX XXXX does not have any affiliation or contract with United XXXX XXXX XXXX XXXXXXXX United Collection Bureau , Inc . is attempting to collect an allege debt that has not been verified pursuant to 15 USC 1692g. United Collection Bureau , Inc . has not provided any adequate documentation proving their right to harass me about this unknown alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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.

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
Applied for J C Penny credit card. My social security number was already used by a woman named XXXX XXXX. My application was denied. They would give me no information on XXXX XXXX other than her name. We contacted the fraud department for J C Penny to try to clear the matter up. The girl on the phone said that Social Security office often duplicates Social Security numbers. She did nothing to help. The person working in that department needs to be educated on Identity theft. She said to call our Social Security Office. I have been left on my own to try to resolve this 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 explanation