vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
XXXX account # for loan. This is regarding a late fee of {$21.00} they charged me, on XX/XX/XXXX, when we were not late. 
The only reason we got this loan was for the credit and we paid interest for it. I don't want to have to contact all credit bureaus and dispute. I work full time and do not have time for this. 
I called capitol one on XX/XX/XXXX @ XXXX and spoke with ( XXXX  ) XXXX XXXX She couldn't comprehend that we were paid up 4 years in advance. I asked to speak with supervisor. She said, there is no supervisor. Then she proceeded to connect me to XXXX ( XXXX ). He was very rude and stated that we were late, even though we were not. He stated they applied the monies that were paid 4 years in advance to principle. I failed to see how this was our problem, as they apply the payment. 
I then emailed the complaint department at capitol one, all to no avail. 
On XX/XX/XXXX we got an auto loan in the amount of {$9500.00}. There were 72 payments of {$210.00} each. I paid the loan off in 15 months. 
XX/XX/XXXX I had paid a total of {$1600.00}. capitol one applied the payment to interest and principle. I don't know how they figure that. 
I had paid a total of {$3400.00} before XXXX XXXX XXXX 
I proceeded to pay this loan in all of XXXX Sometimes i made a payment every month. Sometimes every other month. I was so far ahead, I couldn't possibly be late. No late fees were charged in XXXX. I didn't make a payment in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I paid {$6300.00} in XXXX. Add this to the previous monies paid in XXXX and the total is {$9700.00}. 
In XXXX I should have paid {$430.00}. In XXXX i should have paid {$2600.00}. For a total of {$3000.00}. Yet, I paid a total of {$9700.00}. I am paid ahead by {$6700.00}. How in XX/XX/XXXX can I possible have a late payment???? This is my complaint. I want this late payment removed from our loan. I have no clue as to how capitol one applies payment 's regarding interest and principle. Nor is this my problem. I want my late fee refunded and I want it removed off of our credit report. At no time during this loan were we late!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: MD

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

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 2024-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
I have sent multiple messages and called numerous times ( long wait times ) informing MOHELA that my monthly count should be at 120 payments if not more. I have currently been stuck at 69 payments according to Mohelas website for 2 years now. This information is inaccurate as I have been a public service employee, working at the same employer for over 20 years. My hired date at XXXX XXXX XXXX was since XX/XX/2002 and this has been my only employer since. Every time I contacted MOHELA in the past they tell me it will take up to 90 days to see my counts update, well we are now over 2 years and my count has not updated. Please someone investigate this matter to accurately reflect my counts and my loan forgiveness. I think it is unfair that my payments are resuming when I should already have had my loans forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: LA

Complaint narrative:
i checked my credit report this morning XX/XX/2025 and a company has claimed the debt from the XXXX company that wasnt mine or being ran illegally and the cfpb sent it to the ftc regulators

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
My Venmo account was suspended on XX/XX/year> for no valid reason. I sent in my ID for them to unlock it on that date and still have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As a victim of Identity Theft, I notified Experian via Certified Mail of specific accounts and inquiries as a result of Fraud and Fraudulent Activity and requested reporting be blocked or removed under FCRA 605B. I provided an FTC Identity Theft Report, Police Report, Identity Theft Affidavit, and Proof of my address which included utility bill for past and present address and proof of my identity with a copy of my identification. I received an email from Experian requesting the same information that was previously provided to Experian via Certified Mail on XX/XX/year> picked up by an individual. I also submitted multiple documents via Experian Uploads which confirmed that they were successfully delivered to Experian. However, upon finally being able to speak to XXXX from Experian, he claimed to not have the information which I don't understand how that could be as the documents were delivered and received Certified Mail as well as Experian Uploads successfully. Upon receipt of these items, Experian has failed to comply with notice of Identity Theft and Block. I am also frustrated with the experience that I receive from Experian and poor customer service as they assigned my file to their Consumer Affairs Department which is not helpful as it is a small department via the agent over the phone when she advised that there was no one who could assist me during business hours while XXXX was unavailable. Somehow Experian was able to selectively address the fraudulent inquiries and XXXX  XXXX account with the Affidavit and FTC reports that they say that they don't have but have not addressed the XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX ( Both Accounts ). I have attached the information to this complaint and the required information has been submitted to Experian via USPS Certified Mail as well as online via Experian Uploads yet Experian claims to have not received the information. I provided the report pdf as given to me from the FTC directly from their website with the report number and date and same for the report to XXXX Police Department.

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 2024-02-25 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: EQUIFAX, INC.
State: IA

Complaint narrative:
Equifax is reporting my personal information with out my permission per 18 USC 894. Equifax is reporting synchrony bank and inaccurate information about synchrony account, this is a violation of 15 USC 1681. Equifax is also violating 15 USC 6801.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Johnson Mark LLC
State: UT

Complaint narrative:
Settled my remaining debt with a third party debt collector Johnson Mark LLC on XX/XX/year> for {$560.00}. They were supposed to email me a copy of my receipt, but never did and then reported that my account was not closed off and I still owed {$350.00}. This company scams people pretty bad go look at all the XXXX  and XXXX reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I tried to purchase some hats that promote a political figure. My card was immediately declined. It was obvious that it was politically motivated. I went to account and said yes I recognize the charge. But now I can not order. I have been with this banking institute for over 25 years. Their actions will cause me to close out all of my accounts with them. Bank of America are using their business to interfere with politics. They need to be held accountable. They need to be fined for their actions. What they are doing is illegal.

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 2024-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I opened an account with One Main Financial around XX/XX/XXXX. I did not ask for an auto loan but I the Loan Officer insisted that I add a vehicle for more money. When I had trouble paying my loan I it was modified. The terms were changed. I was told my payments had been lowered from {$730.00} per month to {$500.00} per month. They told me that they were saving me money. Since that time, when I have been late with my payment they have offered the option to pay the interest only portion and add the payment to the end of the loan. I was shocked to learn in XXXX of XXXX that my Loan Payoff was XXXX of XXXX.I refused to pay the interest only after that. I was asked to do it in XX/XX/XXXX and I declined. I received a letter dated XX/XX/XXXX saying that One Main Financial made changes to my loan. They took my {$500.00} payment and only paid the interest on my loan. I notified them in writing on XX/XX/XXXX to REMOVE this add-on and provide statements and documentation on my entire loan. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
When loan was bought out from previous lender there was no deferred principal. Now M & T Bank added a deferred principal loan in the amount of {$20000.00}. My statement from the last loaner had no deferred principal on my statement or my IRS 1098 form for the year XXXX or XXXX. Where they came up with this additional loan amount - I have no knowledge of.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. {$980.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$3100.00} Balance updated XX/XX/XXXX Never open account with XXXX XXXX. Contacted fraud department sent docs over to fraud. Accounts never deleted. Did not open.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. {$980.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3100.00} Balance updated XX/XX/XXXX Never open account with XXXX XXXX. Contacted fraud department sent docs over to fraud. Accounts never deleted. Did not open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LoanCare, LLC
State: WA

Complaint narrative:
Due to covid hardship my mortgage was eligible for a modification. The prior lender ( XXXX ) sold the loan to Loancare before the modification was complete. Loancare was supposed to be working on modification for me but there were problems with them sending me materials at the wrong address. I had a prior CFPB complaint ( XXXX ) and as a result they told me in that response in XX/XX/year> : " Upon review of the account, it appears that DUE TO AN INTERNAL OVERSIGHT, the loan was not reviewed for the correct terms causing additional delays. We have recently obtained a clear title as of XX/XX/year>, as a clear title is required for a loan modification to be completed, and the modified terms are being calculated. Once completed, the documents will be ordered and mailed to your address for you to execute and return. We deeply regret any inconvenience and thank you for your patience while we are diligently working to resolve this matter. '' I have not received those modification documents. Instead I have received a letter that it's been referred for foreclosure. My loan was eligible for the covid-era modification and I desperately want to process that so that I can get current and avoid foreclosure. The lender has not been cooperative or responsive. Please help. Note : My current mailing address is XXXX XXXX XXXX, XXXX WA XXXX. It is not the same as the mortgaged property ( XXXX XXXX XXXX XXXX VA 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 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/2023 I accepted a credit card payment from a customer for my small business ( XXXX XXXX XXXX XXXX ). Chase bank and its merchant processing company XXXX XXXX failed to process the money to my account. After months of emails, phone calls... The issue is still not resolved. Since that time I have closed my account with chase and made other arrangements with my customer to receive payment and provide services. The customer has disputed the charge on the credit card and I did not request Chase / XXXX XXXX to challenge the chargeback. Chase / XXXX XXXX have continued to harass myself and the customer. They have taken actions stating they are working on my behalf when I have notified them I did not authorize any actions and that I have closed my account with them. They are now holding this money XXXX between myself and the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems, a registered Collections Agency is attempting to collect on an alleged debt of {$4500.00}. The alleged debt originated from the property Agave Courtyard Apartments. This alleged debt is not owed because Texas XXXX XXXX satisfied any owed balance. In addition to Texas XXXX XXXX assistance, I was on a month to month with XXXX XXXX XXXX  and not in any legally binding lease agreement with them, and the balance owed to them was paid down to a zero balance. A proper investigation with Texas XXXX XXXX will reveal that XXXX XXXX XXXX  received payment on my behalf to satisfy any past due balance owed at the time. So therefore not only is XXXX XXXX XXXX attempting to damage my credit profile due to monies they have already received from myself and Texas XXXX XXXX, National Credit Systems is reporting erroneous information on my credit profiles to the credit reporting agencies that is inaccurate. And according to 15 U.S. Code 1681s2, it is my right as a consumer to make sure that all the information listed on my credit profiles is being reported accurately. It explicitly states that 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. A person is defined as any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. and per 15 U.S. Code 1681s2, the only entity that can validate the accuracy is the consumer. So I the consumer am notifying National Credit Systems Inc, that the information they are reporting, is inaccurate and therefore should cease reporting this inaccurate information, and cease all collections activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems bought junk debt that was erroneous, never contacted me about it, and it showed up on my credit report. It's an erroneous debt that was already resolved with the previous creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit reports.

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 2024-02-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received a {$200.00} prepaid American Express gift card for XXXX in XX/XX/2023. I began using it this month, and my first purchase on XXXX went through. Every other purchase has been declined, and calling the customer service hotline says that I need to complete transactions with the XXXX digit security code. I have been and no transactions have gone through since then. Customer service has been no help to me and I feel as though this gift card has scammed me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
These accounts were illegally obtained via my credit. I am so tired of keep disputing fraudulent items. Please remove these off my XXXX and Equifax report as this is hurting my score with fraudulent information. 

XXXX XXXX XXXX  Balance {$57.00} Acct Number XXXX Date opened XX/XX/year>XXXX XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXX Date opened XXXXXXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number Account number XXXX Date opened XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recently disputed with EXPERIAN INFORMATION SOLUTIONS regarding inaccurate accounts being reported in my consumer disclosure reports. No action was taken until I filed a complaint with CFPB recently. I am filing another complaint with the CFPB because the accounts in question came out of the reinvestigation as " updated ''. I reviewed the accounts that came out of dispute " updated '' but the same inaccurate account information still persist on my consumer report with EXPERIAN. 15 USC 1681a ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Congress has made it clear per the FCRA 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The accounts in question are still being inaccurately to no avail. The accounts remain incomplete and the late payments and payments regarding these accounts remain uncorrected and unverified.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This a count was removed and now show back up under a different name this account was open due to fraud and needs to be removed again I never had an account with this Lender. Please remove the following account. 

XXXX  XXXX XXXX Original creditor : XXXX XXXX Account number XXXX Reason : Fraud account and was peroviously removed under the name XXXX. 

The account above was listed and removed from my report due to fraud under the following creditor name : XXXX Account XXXX XXXX Please remove and Prevent this from happening again please

Company response to consumer: Closed with non-monetary relief