vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
My XXXX XXXX XXXX was totaled in a car accident on XX/XX/XXXX. I was rear-ended which resulted in a total loss. XXXX my insurance company XXXX sent in their payment and I paid off the remaining balance of {$370.00} twice so far. The first time I paid the {$370.00} by debt card was on XX/XX/XXXX Capital on said they didnt receive it but my bank XXXX verified the debt card payment was approve immediately because the money was there and debt card transaction is immediate. So after arguing with Capital One Auto Finance and them stating that I needed to make another payment for {$370.00} to close out the account I did so again on XXXX XXXX and this took care of the remaining balance of XXXX. However today XX/XX/XXXX Capital One Auto Finance placed an other balance again for {$370.00} preventing the pay off. Also there was a refund check sent to Capital XXXX by XXXX XXXX for gap insurance and warranty coverage. I havent received a refund from Capital One and they keep charging me {$370.00}. Please review these financial documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a business account with Truist Bank and they host my credit cards. This account was merged from Suntrust Bank. Since Truist converted my credit card, I have noticed payments across the accounts are not being applied correctly. 
Basically I have a Parent account and each credit card is a Child account of that Parent account. The parent account has a credit limit of lets say {$5000.00}. Let 's say there are 5 child-credit cards and Each Child account has a limit of {$1000.00}. They told me my account is setup on centralized billing. Im not sure what that is, but I assume that means all of the accounts roll up under the parent account. 
I am having trouble because they are not applying payments across all of my child accounts before the next Statement date even though I have made a full payment and more to the account. 
They told me I can not use that card anymore until the next billing cycle because I set a {$1000.00} limit per card. But also they said if I maxed out 1 card I could change the limit for another card and max it out. Effectively that would mean I have {$25000.00} limit based on what she said. 
They said other people have been complaining about this but there is nothing they can do. It seems like to me if I pay a bill off before my statement date, you should have to adjust the balance before the statement date. I make payments weekly so this is a problem but I only owe or have a credit of say {$240.00}. But that is another issue, I recently made payment of an extra {$5000.00} because I wasnt sure how payments were being applied across my accounts. Their statement of my current balance does not show if the amount is a credit or balance owed. Also, the master account balance might reflect the balance for all of the children accounts but the actual balances on the children accounts are not being updated. 
Again for example, I made a payment this week for what the balance shows on my master account, but the balance was not updated across all of the accounts. Now my available credit limits are not correct and I cant let my employees pay for purchases because the card is maxed out even though I made a recent payment.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit Reporting agency did not follow law and completed a thorough investigation by validating and verifying the accuracy of the information being supplied by debt collector also bound by law to report the accuracy of the balances and has refused to do so and to correct the error despited multiple attempts to plead with them to cure the harm that has been and continues to be done to my credit.

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 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Customer Service Representative told me my card is eligible for XXXX points after spending {$15000.00}. But my progress bar shows only {$100000.00} points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I've submitted a letter to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. Along with an FTC report on one item for identity theft ( as a police report was made as well back in XXXX of XXXX ( i will note what account ) XXXX, equifax and XXXX have all ignored my complaints.I have sent another set of letters out XX/XX/XXXX regarding the hard inquiries on my report that does not belong and has been well over 2 years, and nothing has been done to fix the issue. I will list all the accounts and note what account was fraudulent. thank you! 
Credit Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue 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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Two accounts are now showing late payments when they were never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'm an extended identity theft victim who has done everything I can do legally and have abided in sending requested information to XXXX and Transunion to block accounts connected with fraudulent activity. Per the FCRA and XXXX they are to report accurate information and to not report negative information on accounts in dispute for fraudulent charges. I have filed and submitted my FTC identity theft report in addition to them having my official police report. Per FCRA XXXX all accounts outlined in the identity theft report is to be blocked Per consumer request and the law. XXXX blocked the accounts with the report but then unblocked them per the creditor from what I was told. Totally disregarding my plea and my legal rights I continue to suffer damages because of their incorrect and fair reporting. XXXX  XXXX XXXX and XXXX have been notified of the fraud and continue to validate fraudulent accounts. This is wilful non compliance and I want to report this abuse of power and have it investigated appropriately.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a bunch of fraud related accounts on my credit report that these credit bureaus are not taking off Ive made calls send letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: TX

Complaint narrative:
Subject : XXXX XXXX Capital One for Incorrect Credit Bureau Reporting accounts 1 ) acoount XXXX : XXXX XX/XX/XXXX XXXX ) Inquiries : XXXX Dear Sir/Madam, I am writing to file a formal complaint against Capital One regarding the inaccurate reporting of an account to the credit bureaus that does not belong to me. I have recently reviewed my credit report and discovered an account listed under my name, which I have never opened or authorized. 

Despite numerous attempts to contact Capital One and rectify this error, I have not received a satisfactory response or any action taken to correct the inaccurate information. This incorrect reporting has had a detrimental impact on my credit score and overall financial standing. 

I kindly request the Federal Trade Commission to investigate this matter thoroughly, intervene on my behalf, and ensure that Capital One rectifies this error promptly. Additionally, I urge you to take appropriate measures to prevent such erroneous reporting from recurring in the future and to hold Capital One accountable for their actions. the only account that i have with capital one/saks its XXXX XX/XX/XXXX AND THE REASONS i applied for it just to get my employee discount because i was working for saks fifth avenue. 

Enclosed with this complaint, please find copies of my credit report highlighting the disputed account, as well as any relevant correspondence I have had with Capital One regarding this issue. 

I appreciate your attention to this matter and hope for a swift resolution. Please feel free to contact me if you require any further information or documentation. 

Thank you for your assistance in addressing this matter. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NC

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Flagstar Bank XXXX XXXX XXXX XXXX, OH XXXX Subject : Complaint Regarding Forced Purchase of Flood Insurance - Loan Number : XXXX Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the recent actions taken by your bank regarding the forced purchase of flood insurance for my property. Despite multiple attempts to address this issue through phone calls, the matter remains unresolved, necessitating this formal complaint letter. 

On XX/XX/XXXX, I received a letter from your bank requesting the addition of flood insurance, despite the fact that I already maintained basic insurance coverage for my property. While I complied with your request and promptly contacted the insurance company for a valuation during the normal grace period, it took approximately one month for the insurance policy to take effect, specifically on XX/XX/XXXX. 

During this period of waiting for the insurance to become active, I was shocked to discover that your bank had charged me exorbitant premiums, which were three times higher than the prevailing market price for flood insurance. This irresponsible behavior not only imposes a significant financial burden on me but also raises suspicions of improper transactions between your bank and the insurance company, disregarding the wishes and financial well-being of the consumer. 

I firmly believe that this forced purchase of flood insurance at inflated prices goes against ethical business practices and consumer rights. Therefore, I strongly urge your bank to rectify this situation by promptly refunding the premiums that were unjustly imposed on my account. I expect a full reimbursement of the excess premiums paid during the waiting period, as it was due to circumstances beyond my control that the insurance policy took effect only on XX/XX/XXXX. 

Furthermore, I request a thorough investigation into the matter to ensure transparency and fairness in your business dealings with insurance providers. It is essential that your bank upholds the highest standards of customer service and treats customers with respect and integrity. 

Loan Details : XXXX XXXX : XXXX I anticipate a swift resolution to this matter and a timely response from your bank. Failure to address this issue satisfactorily may leave me with no choice but to escalate the matter further by seeking assistance from regulatory authorities or taking legal action. 

Thank you for your attention to this serious matter. I trust that you will handle my complaint with the urgency and seriousness it deserves. I look forward to a prompt resolution and a written response within [ reasonable timeframe, e.g., 15 business days ]. 

Yours sincerely, 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 explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings
State: FL

Complaint narrative:
This company is inaccurately reporting on my credit report. I have tried to dispute multiple times. They are using interest on this alleged account of mine. I keep requesting information in regard to the contract with my signature stating that the debt is mine and I agreed to pay them. They are also reporting as an open collection account when it is suppose to be closed and no interest accumulation on the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue 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 non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I got my report from XXXX XXXX and saw XXXX XXXX  put a fraud on me without my knowledge nor consent I paid my account and they automatically closed my account with a pending deposit before the account was closed I left a positive balance and requested my money for all fees and services refunded as of todays date I have not heard back from XXXX XXXX  on the fees and money owed to me. After filing a dispute I have never seen a dispute ending up being fraud on the consumer this makes absolutely no sense. Placing a fraud alert when there is no fraud creating a narrative that never existed freezing account so consumer can not pay account this bank deliberately abuses it power and never fixes the error they create no one owed them a dime I had to get a manager to call an office so I can pay them when I am in the bank trying to keep a positive standing with them XXXX needs to be investigated for discriminatory banking practices placing false narratives on a consumers account. Placing incorrect information on a customer who is paying them. I never left a balance with them I am waiting to this day for my refund I never received it as of todays date I owe this bank nothing but they place false narratives on me as if I am a criminal I have never seen a criminal pay money to keep a bank account in good standing. Now thats fraud if I did not pay them thats fraud if I made no effort it was an error on their part making me in the negative to begin with.

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 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I am trustee of an insurance trust, which holds two life insurance policies on my father. we have {$600.00} in an acct at XXXX. Axos bank advertised a desire for business accts and a {$100.00} bonus. they also advertised a fast online process. 

on XX/XX/XXXX I applied online. In that app I provided ALL requested information. at XXXX XXXX I recd email from axos stating they were in receipt, and asking me to upload 3 docs. I had provided those exact docs a few minutes earlier, so our timing just crossed. 

XX/XX/XXXX XXXX recd email with docusign. I signed all docs, which were app, sig card, certification, etc. At XXXX XXXX I recd email stating that my app was assigned to XXXX XXXX. I immediately called him and was able to get in touch. We discussed next steps and focused on the timing of the ach which was a draw from the XXXX acct. I was eager to get funds out of XXXX to avoid another monthly fee. XXXX said he would let me know by calling the next day the timing. THIS WAS THE LAST TIME THAT I HEARD FROM HIM. 

at XXXX XXXX I recd emailed signed documents that I had previously signed. 

I heard nothing until XX/XX/XXXX, an email from axos telling me to logon for a secure message. the message asked me for the same information that I had provided 2 times : first in the initial app. second on the docusign documents. ( my driver 's license, address, email, etc ) I informed them that they had the info but provided it again, and again uploaded my driver 's license. this concerned me that something was off in the processing. 

I waited a few more days, still heard nothing. so I used the service they provided and setup a calendar appointment with XXXX for monday XX/XX/XXXX at XXXX XXXX. this appt was confirmed. and was a wk after app with no new info and no status update. XXXX failed to call me so the appointment did not occur. 

so on XXXX at XXXX I emailed XXXX and summarized the above events, and his failing the appt. I did not hear a response and still two weeks later nothing from Axos. 

Axos is not required to accept my money. I realize that. but they actively solicited and on same day of app moved very qkly. then just stopped. if there was an issue with my acct that they did not like or want, that is their perogative, but they did not say anything. that was my frustration. so I went to XXXX and XXXX and both places were able to open an account within 24 hrs with no duplicative requests for information. 

I no longer want anything to do with Axos but I'm filing this complaint because I'm exposing their behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Identity Theft Report Attached The following inquiries listed on my TransUnion credit report are fraudulent Fraudulent TransUnion inquiries XXXX XXXX  Services XX/XX/2023

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