vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cascade Capital, LLC
State: NY

Complaint narrative:
This Company is trying to collect a debt that was fraudulent from the start, I extended my credit to them. 

The violated 15 US 1605 ( a ) ( c ) This transaction included a finance charge and finance charge includes insurance which protect creditors against the obligors loss and or or property damage. And they did not include insurance in my finance charge. 

A finance charge is sum of all charges in consumer credit transaction and does not include cash this company took cash {$6500.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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 was checking updates on my credit report if everything deleted but unfortunately I see the same negative information as before. Why you keep posting these accounts on my name. Im sure that someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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 pulled update of my credit report, dont see any changes, still this negative account on my name! I already told you before that this account is not mine! I believe that someone used my personal information

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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I made a complaint to the credit bureaus and they put fraud alerts on my credit file without my permission and without a telephone number. Preventing a very important loan from advancing today. I want you the alert removed immediately.

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 2022-01-04 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: TX

Complaint narrative:
My Experian online credit account was accessed by a person who has my identity information and is calling Experian and telling them he is locked out of his account. He then is granted access and he changes my password, email, and phone number on the account. I leaned that my account was taken over when I tried to log in. I called Experian and was able to prove my identity. I regained control of my account. Then in XXXX of 2021 I tried to log in and it was taken over again. 

I reported this to Experian and now I bought their credit monitoring service. I believe the criminal will just call them and convince Experian that he is me and take over my account again. I already had credit freezes and alerts on the 3 credit agencies. The person was successful at opening up a bank account in my name at XXXX XXXX in XX/XX/2021. 

I need Experian to not allow a person to call in and get an email to make a new password. I have not been compromised by computer. My information was exposed from the XXXX information hack years ago. I need help stopping Experian from allowing a person on the phone from getting access to my account.

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 2022-01-04 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/XXXX I paid the balance in full to Hyundai Motor Finance for a XXXX XXXX XXXX. Every month starting in XXXX, XXXX, XXXX and XXXX I called to request a title and each time I was told " we have to email the finance department, we havent heard from them, this is odd that you havent got the title '' etc. Every time its the same excuse. 
Now I just got my CA vehicle registration and it still has Hyundai listed as the owner of the vehicle. I can not sell or trade in my vehicle without the title. 
Its been five months, my account is listed as " paid in full '' and " closed '' but Hyundai wont provide the title.

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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, I fell behind on my Wells Fargo Home Mortgage, due to a job layoff. In XX/XX/XXXX, I received an offer for a loan modification from the lender. I moved forward with it, and completed the loan modification trial payments in XXXX, XXXX, and XX/XX/XXXX. While making the trial payments, the mortgage servicer continued to report late payments to the CRAs from XX/XX/XXXX through XX/XX/XXXX, except for the month of XX/XX/XXXX, in which no information was reported. I have been informed by the lender that reporting for this month was suppressed. Suppression of reporting for that month causes a break in the string of late payments, which may cause late payments from XXXX to XXXX of XXXX to be reflected on my report until XX/XX/XXXX, instead of falling off at once when the first delinquency in the string reaches 7 years of age on XX/XX/XXXX of XXXX. I have brought this matter to the attention of XXXX  previously. I am in the process of raising this issue with them again, and an investigation is currently ongoing. It seems that the lender has artificially broken the string of late payments by failing to report for the month of XX/XX/XXXX. If reporting was suppressed for XX/XX/XXXX, then it should have been suppressed from XX/XX/XXXX through XXXX of XXXX as well. If XX/XX/XXXX through XX/XX/XXXX are not suppressed, then no suppression should be in place for XX/XX/XXXX. Either way, the reporting should be consistent, instead of a mix that does not accurately reflect the account.

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 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX man with XXXX XXXX, and my source of income is Social Security XXXX XXXX. A new Personal Care Attendant found my checkbook and forged numerous checks which totaled {$7200.00}, all of my savings. I discovered this with the first bank statement that included the forged checks and immediately visited the Citizens Bank branch in XXXX and saw XXXX XXXX XXXX to report the forged checks. At that time I closed the account and opened a new account. XXXX XXXX told me the amount of the forged checks would be returned to my account. After a few weeks I did not receive the funds, and was then told that I hadn't filed a claim in time and that it was too late for them to return the funds to me. We have appealed this to the Chairman of Citizens Bank as it was their bank that cashed the forged checks, but there has been no response. 

Attached is a letter contesting the denial from my brother-in-law, and copies of the forged checks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not request a fraud alert on my credit, I made a dispute of accuracy. I had an important loan meeting today and I could not advance because the credit bureaus put an alert on my credit file without a telephone number or my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not request a fraud alert on my credit, I made a dispute of accuracy. I had an important loan meeting today and I could not advance because the credit bureaus put an alert on my credit file without a telephone number or my permission

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 2022-01-04 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: IL

Complaint narrative:
The Department of Ed have reported that I have been late on five student loans from them. ( XXXX XXXXXXXX XXXX XXXX late payments ) First ( XX/XX/2020 ) I disputed with the credit bureau , it was never updated. then I contacted ( XX/XX/2020 ) XXXX XXXXXXXX XXXX in PA : the gentleman that I spoke with ; said no late payments are showing on any of the five loans. and that he will have to see what the credit bureau is reporting. No answer. 

In XX/XX/2020, disputed the issue again XXXX XXXX it was updated, and the closing was dispute resolved - consumer disagrees. 

The supporting documents were sent on the issue, and no one seems to be able to read or care that the wrong information is being reported.

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 2022-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/2021, I purchased a ticket for {$61.00} from a vendor called XXXX for a performance on XXXX, XXXX, 2021 at the XXXX XXXX In Washington , DC. 

On the night of the show, I went to the theatre to find it closed. I believe the city forced the concert to be canceled. I never received any communication from XXXX. The next day, I emailed them to request a refund of the ticket price. I have yet to hear from the vendor and phone calls always get a taped message that says call back later. 

The following week, I filed a dispute with the issuer of the credit card, Capitol One and they immediately, refunded the {$61.00} back to my card. 

On XXXX XXXX, 2021, Capitol One took the {$61.00} back from my card. When I called to inquire about this about face, I received a response that did not make any sense. Please help me to get my money back from Capitol One. I have attached a document to help you with your inquiry. The last four digits of my credit card number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE OPENED THE FOLLOWING ACCOUNTS IN MY NAME FRAUDULENTLY : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX PA OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-01-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian refused to remove invalid/unverifiable informationand/or the account/tradeline for my XXXX XXXX XXXX subaccount XXXX per their response to XXXX. Experian claims the " data furnisher '' ( XXXX XXXX ) refused to remove the erroneous data and verified it as being " correct. '' In its place, Experian then accepted a round of " new '' erroneous data from XXXX XXXX, thereby housing the erroneous data in their systems depsite at least fifty ( 50 ) prior complaints and disputes that provided susbtantive evidence indicating the data supplied by XXXX XXXX was incorrect. As example, evidence and summary of events of misapplication of payments leading XXXX of XXXX is attached.

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 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MS

Complaint narrative:
On XX/XX/2021 my mortgage payment cleared intended for XX/XX/2021. 
I had payed XXXX on XX/XX/2021 and XXXX on XX/XX/2021. 
Instead of crediting the payment for XXXX the payment was applied to principal and " fees '' putting the mortgage in default. I am getting multiple calls asking for the XXXX payment. I have asked multiple people multiple times to correct the error with no success.

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 2022-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one says I did not pay on both the credit cards I have with them! 
I paid {$100.00} for each card on XX/XX/2022. It is on my bank statement!!! 

I am assuming they may have been hacked, and if so should be notifying all of us about it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX charged my credit card for XXXX in error. The quote I received was for {$480.00}. I called immediately and asked them to credit my credit card for XXXX because that was not our agreement. After a week or so they did send a refund of XXXX to XXXX XXXX XXXX. In the mean time I called the credit card and asked them to stop payment for the charge of {$730.00}. They did that. Finally, I received the refund from XXXX they said they sent a second refund to XXXX XXXXXXXX XXXX. And XXXX XXXX XXXXXXXX did charge back to XXXX XXXX XXXX XXXX XXXXor the {$730.00}. XXXX XXXXXXXX XXXX said they sent the money back to XXXX XXXX XXXX. I have made numerous calls ( over 30 ) to XXXX and XXXX XXXX XXXXXXXX. The last person I talked to I talked to at XXXX XXXX XXXXXXXX was XXXX, Supervisor of claims at XXXX. I have also contacted XXXX in an attempt to clear this mistake up. I started talking to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX WI XXXX. When the XXXX XXXX XXXX would not help me I started talking to the XXXX Corporate office and they continued to claim I owe them money. I do not owe them money at all. In fact, they owe me money for the {$370.00} I paid for the policy XXXX. When I could not get XXXX to stop claiming I owe them money I cancelled the policy on XXXX XXXX 2021. The policy was only in effect for approximately 2 weeks before I cancelled it. Please help me. I have been working this since early XXXX of this year. I have spent numerous hours on the phone with XXXX XXXX XXXXXXXX and XXXX and they each claim it was the fault of the other company. I feel like I am stuck in the middle of this squabble between 2 companies. I only signed papers for one policy. That was XXXX and the cost was {$370.00}. I am due a partial refund of the {$370.00} I paid. XXXX started this mess when they charged the wrong amount. {$730.00} when they quoted a much cheaper price of {$480.00}. The policy and the {$480.00} was the only thing I agreed to and I should not be held responsible for their mistakes. I can be reached at XXXX. My name XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX, WI XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. Collections West, Inc.
State: CA

Complaint narrative:
Collection agency refuses to provide me with FDCPA, FCRA and XXXX FDCPA ( time barred debt collection attempt ). Agency says that the have 15 accounts for me but only a single account number. Disputed debt is a timeshare that they allege that I purchased in XXXX ( I did not ). Collection agency indicated that they entered my Connecticut address ( gone since XXXX ) with a XXXX, California person with the same name as me, creating a cross-file that Im sure he wouldnt be happy with either. A call to the timeshare company XXXX last name refused resulted in her telling me that I had 5 timeshares from XXXX and that the statute of limitations doesnt apply to them because they create a new account every 6 months! The date they obtained my credit report was XX/XX/XXXX. When I asked for my rights letter, XXXX XXXX admittedly an alias said they sent it to the other person with my name. I asked her to send me a notice but she said she would close the account ( she didnt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Block, Inc.
State: OH

Complaint narrative:
I executed a deposit transaction into my Square account on XX/XX/2021. On XX/XX/2021 I was notified my account was locked and I would have to wait 180 days, but no less than 150 days, for access to the funds. It has been over 180 days and my funds are still locked. The company has made no attempts to allow me access to my money. I just simply want to retrieve the money I was paid and is still locked in the account. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: FL

Complaint narrative:
I FILED A DISPUTE AND I DIDNOT GET ANY RESPOND.THE INVESTIGATION TOOK WELL OVER 30 DAYS. THESE INCORRECT ITEMS ON MY CREDIT REPORT AND ITS HURTING MY PROFLIED.

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 2022-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
my mortgage loan was transferred to Mr. cooper XXXX XXXX with my previous lending company, I was in forbearance for 10 months. I requested my account go out of forbearance in XXXX XXXX, after the transfer so I could start making my monthly payments again. Mr. cooper approved me to have the balance due during the 10 months placed on the loans backend and I would resume paying my monthly payments as the were starting XXXX XXXX XXXX XXXX I notice my monthly payment has increased. so I give them a call, here is where a 4 hour phone call started. I called Mr. cooper and through conversation with 2 agents, it was understood that my payment increased due to escrow that was paid while on forbearance. that was fine but the balance that was put on the backend of the loan included escrow throughout those months so why am i paying it twice. NO ONE could give me an answer and sot he multiple transferring commenced that ultimately resulted in XXXX XXXX hanging up on me with no return call back. it seems to they are trying charge for the escrow in the current monthly payments as well as on the backend amount due. CHARGING ME TWICE. no one could rebuttal my logic or explain otherwise. so a adjustment is needed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: TX

Complaint narrative:
The following inquiries have been listed on my report inaccurately : 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 These accounts are not mine XXXX nor are they associated with any open accounts. The number of inaccurate inquiries is affecting my report heavily and they need to be removed IMMEDIATELY!

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