vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I refinanced my vehicle with capital one auto finance XX/XX/XXXX. My original purchase was joint with my spouse in XXXX. I refinanced solely alone however, capital one auto finance still has my spouse listed on the title as joint. I've phoned capital one since XX/XX/XXXX, spoke with more than XXXX reps. XX/XX/XXXX I was informed to ask for XXXX reps in resolution dept for a specialist. I spoke with XXXX XXXX id # EIT ) XX/XX/XXXX who says he'll take care of problem and aware of all my attempts to resolve the issue. I have really called more than XXXX times without resolution. Capital one neglect to correct my title so I may be able to sell/trade my vehicle. This is capital one auto error. I shouldn't have to send them my only title. Why aren't they able to assist with XXXX providing correct title. The non XXXX reps doesn't understand and very rude. They aren't able to assist. Capital one auto should be able to obtain their own title from XXXX. This is a huge inconvenience in my life. Please make, yes, make capital one auto finance provide correct title in my name alone. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: MS

Complaint narrative:
I received a bill from Omega RMS LLC for the amount of {$240.00} informing I owe a bill to XXXX  but the strangest thing is I have an open account and pay this company every single month was informed that all bills owe was discounted and restarted account with XXXX balance. I never got a bill after this from the company and they informed me not to worry about any new bills for I am directly debited from this company. This is clearly a mistake that needs to be fixed immediately. I have been a customer for more than XXXX years XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: CA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. Due to Identity Theft, Fradulent Accounts, Fradulent Collections and Fradulent Inquiries are on my credit report. 

I sent the following documents to EQUIFAX, XXXX and XXXX : Police Report, XXXX  Complaint file and number, Notatrized XXXX XXXX  form, XXXX Letter addressing which fradulent accounts and Fradulent inquiries must be removed, copy of my credit report, XXXX forms of identity, proof of address and a Copy of the XXXX Section 605B! 

I have submitted documents to XXXX. here is the tracking number XXXX I have submitted Documents to Equifax. here is the tracking number XXXX i have submitted documents to XXXX here is the tracking number XXXX The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX Collection : XXXX ( ORIGINAL CREDITOR : XXXX XXXX  ) Account : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX BANK XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Collection : XXXX  XXXX Original Creditor : XXXX XXXX XXXX ACCOUNT : XXXX XXXX : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, TD XXXX FIN XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX EQUIFAX ACCOUNT : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, IN XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a Kohls credit card. My account was used without my authorization, resulting in a balance owed. Prior to the unauthorized use, my account had a {$0.00} balance. The fraudulent use caused a balance to be owed. However, I was not aware the account was used without my authorization before it went more than XXXX days past due. A XXXX day late payment was reported on my credit report in XXXX, XXXX. 

Upon resolution of the fraud claim, I disputed this account with XXXX, XXXX and XXXX XXXX. Kohls reported the XXXX day late payment as accurate and kept the late payment on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 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: FL

Complaint narrative:
I filed an identity theft report. I have repeatedly disputed fraudulent accounts that are results from identity theft on my credit profile that needs to be removed immediately. Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-03-24 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: FL

Complaint narrative:
I filed an identity theft report. I have repeatedly disputed fraudulent accounts that are results from identity theft on my credit profile that needs to be removed immediately. Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I was placed on student loan forebearance XXXX XXXX XXXX  due to being on unpaid maternity leave. I was never advised to recertify my income to show my loss of income, therefore I lost those payments eligibility for XXXX XXXX XXXX XXXX. 

In adddition, from XXXX XXXX XXXXXXXX I was also placed on forbearance, due to awaiting on the XXXX to amend my taxes from married filing jointly to single so that I could afford an income based payment plan. I was never advised to turn in a paystub instead of wasting XXXX  months of eligible payments. 

In XX/XX/2017, I was placed in forebearance unknowingly while they recertified my income driven plan, again taking away an eligible payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Continental Finance Company, LLC
State: CA

Complaint narrative:
This was with my XXXX XXXX Account ending in XXXX XXXX XXXX. I had fradulant charges in this amount of {$440.00} on the statement ending XX/XX/XXXX and {$130.00} on the statement ending on XX/XX/XXXX. 

I was issued a credit of {$230.00} on XX/XX/XXXX and {$210.00} on the XX/XX/XXXX statement. 

This leaves a balance of {$120.00} of fradlant charges on my account. I have written them twice about this matter and they reply " we consider your claim resolved and we are closing out file '' I have written them many times regarding this matter.

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 2022-03-24 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: TX

Complaint narrative:
I have a XXXX credit card. My account was used without my authorization, resulting in a balance owed. Prior to the unauthorized use, my account had a {$0.00} balance. The fraudulent use caused a balance to be owed. However, I was not aware the account was used without my authorization before it went more than XXXX days past due. A XXXX day late payment was reported on my credit report in XXXX, XXXX. 

Upon resolution of the fraud claim, I disputed this account with XXXX, Equifax and XXXX XXXX. XXXX reported the XXXX day late payment as accurate and kept the late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a XXXX credit card. My account was used without my authorization, resulting in a balance owed. Prior to the unauthorized use, my account had a {$0.00} balance. The fraudulent use caused a balance to be owed. However, I was not aware the account was used without my authorization before it went more than XXXX days past due. A XXXX day late payment was reported on my credit report in XXXX, XXXX. 

Upon resolution of the fraud claim, I disputed this account with Experian, XXXX and XXXX XXXX. XXXX reported the XXXX day late payment as accurate and kept the late payment on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX XXXX deposited XXXX checks ( {$3000.00} + {$3000.00} ) on XX/XX/XXXX and XX/XX/XXXX into my Hungtington checking account. These checks were returned and later they were considered faked. 

And then, {$2500.00} was transferred to unknown receivers through XXXX without my permit on XX/XX/XXXX. XXXX XXXX visited a branch and called the customer service for the scammed transactions, but Hungtington bank didn't take actions to investigate and stop the fraudulent transaction. Another {$3500.00} was transferred through XXXX XXXX transactions to XXXX strangers on XX/XX/XXXX. 

XXXX XXXX called the bank to appeal the transactions on XX/XX/XXXX. 
The bank denied the dispute ( Ref # XXXX ) on XXXX transactions ( {$3500.00} ) on XX/XX/XXXX by mail. 
XXXX XXXX requested the documents on which they made the decision and appealed the dispute again. The bank did not give me any response so far. 

When the faked checks were found, the Huntington bank didn't take actions to stop the suspicious transactions which led to the loss. XXXX XXXX appealed an explanation and documents why the dispute was denied, the bank didn't give me a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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 — Was not notified of investigation status or results
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Requested validation of debt and received no response. Requested for debt to be removed from credit due to no validation without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: RI

Complaint narrative:
I received notification that credit report changed, when I logged into my account it said I had XXXX new hard inquiries one from XXXX XXXX and XXXX from XXXX. I contacted XXXX and they told me a credit card was taken out in my name and they closed it and reported it as fraud. They then told me it came from Experian and I needed to contact them to have the inquiry removed from my credit report. I have tried many times to call Experian and I sent them an email. They never responded. I called XXXX financial as well I was transferred 6 times was on hold for over an hour then was asked to leave a voicemail, 2 days later I received a voicemail back from them saying to call them back and stay on hold to talk to someone. I can't stay on hold for hours at a time I do work.

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 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions Bank as the habit of going back on policies described as ways to either prevent one 's account from receiving overdraft fees or reimbursement for fees imposed and the given excuse is always processing. Example one : regions ' policy is that if you have a negative balance at the start of business, usually XXXX, and if by the close of business ( XXXX pm ) you have brought your account to a positive status you would be able to avoid transactional overdraft fees of {$36.00} per, for overdraft transactions posted to your account. However, you may bring your account to a positive status by the close of business for the transactions " posted '' to your account but then while processing transactions overnight you may still wake up to a nsf fee imposed for any additional transactions that was posted overnight that was not visible to you. My argument to them would be that I brought my account to a positive status before XXXX, they would acknowledge this but then say that a merchant presented a debit that was processed overnight. I would argue that this was not visible to me thereby denying me the time to cover it and that that transaction should be forwarded to the next business day since it didn't make it to the close of business by XXXX and I have no way of knowing or covering what is posted overnight. Example two : if I wanted to stop or revoke an ach payment authorization while it's still pending to my account I'm unable to, I have to wait 'til it's posted before I can do either even though I know I will be overdrawn because I have several transactions that will be automatically drafted that will overdraw my account and I would receive a fee for each transaction but they tout that each transactional fee will be refunded after the request is submitted. They do not abide by their own policy and have not and will not refund me nsf fees in the amount of {$100.00} dollars for a payment authorization revocation I submitted on XX/XX/2025.

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 monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: D2 Management LLC
State: TN

Complaint narrative:
This time the message left said they were with D2 managment ( from a XXXX search theyre in SC ) Told them before I had no idea what they were talking about..left a phone number that didn't match the one they called from..By the # that showed up it was a local call but wasn't, they've called back several times but i had deleted the call log showing all the times and different # s they've called from usually starts with my area code and first 3 digits have been XXXX or similar..Saying its time sensitive and urgent I call, that they received a file on their desk but never says from where. The one time I did talk to them I told them I didnt know what they were talking about and to not call back. The return # left on voicemail starts with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
I was approved for an FHA Covid Loan Modification in XX/XX/XXXX by my lender Mr Cooper and the last step in the process was to sign the Loan Modification documents. I notarized and sent the documents XXXX  times between XX/XX/XXXX and XX/XX/XXXX and they were rejected each time with no clear explanation on why it was rejected. The XXXX  time I was told I had to write my name not sign it and the other XXXX times I had no idea why it was rejected. I called in each time and the representatives also were not sure either. I kept repeating the process and kept notarizing and sending back whatever document they sent and it kept getting denied. Finally on XX/XX/XXXX they denied my FHA Covid loan modification because they could not get the completed documents back from me. I was told that the documents had expired. This had left me in a limbo because they have denied my FHA Covid modification and will not take any payments. The whole process has been confusing and overwhelming and there was no clear directions other than writing and not signing my name the first time. If i had known they would cancel the modification I would have have just used their notary. I was been cautious because I have an elderly mother living with my and did not fell comfortable with a stranger coming to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 602 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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2022-03-24 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: EQUIFAX, INC.
State: SC

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 602 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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: U.S. BANCORP
State: RI

Complaint narrative:
I received notification that credit report changed, when I logged into my account it said I had 2 new hard inquiries one from Elan Financial and one from XXXX. I contacted XXXX and they told me a credit card was taken out in my name and they closed it and reported it as fraud. They then told me it came from XXXX and I needed to contact them to have the inquiry removed from my credit report. I have tried many times to call XXXX and I sent them an email. They never responded. I called Elan financial as well I was transferred 6 times was on hold for over an hour then was asked to leave a voicemail, 2 days later I received a voicemail back from them saying to call them back and stay on hold to talk to someone. I can't stay on hold for hours at a time I do work.

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I received an email from Citi Bank on XX/XX/2022 that my account will be closed, after further investigation a customer service representative by the name of XXXX on a recorded line stated that my account is being closed due to being in collections. However she spoke with a colleague and the colleague stated that they did not see a history or current information that my account has ever been in collections and this account has always been in good standing. It has always reflected from the Credit Bureaus as paid on time and there is currently no accounts that I have that are in collections. If this account closes this will affect my credit adversely and lower my credit score and I have never been delinquent. I just spoke to another representative XXXX on today and she asked for the expiration on my card and that they will apply for it to be opened when it expires. However, I am a concerned citizen if I have never missed a payment and I am responsible with my credit on this card why is it being closed like this and will thus affect my credit score that I value. This has the potential to cause a difficulty in my life if I have to apply for other credit due to this closing and it affects my credit and lowers my score. I would like a valid reason as to why this is being done. If you check my credit none of my credit cards are delinquent or in collections in anyway.

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