vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year> I made a XXXX time principal only payment of {$9000.00} to my Capitol One Auto Loan. For some un know reason to me my payment was broken down into two seperate payments of approximately {$8500.00} and {$500.00}. The {$500.00} dollar payment had around {$60.00} of interest applied towards the payment. 

On XX/XX/XXXX or XXXX when I noticed this discrepancy I called Capitol One to get the the bottom of the issue. I was briefly given the run around and told a whole host of issues. None of which made any sense. Eventually I was told they would correct the issue. 

A week or so later I noticed that credit adjustments had been made towards my account. But the principal balance remained the same. So I had to call again. And I was told that by Capitol One that the credit had been applied towards the interest on my loan. I argued that it needs to be applied towards my principal balance. The call was ended and within a few days on XX/XX/XXXX an {$80.00} credit was applied towards principal balance. 

XX/XX/year>. My monthly reoccurring payment of {$370.00} was posted. Then on XX/XX/year>. XXXX total transactions were made to my account by the Capitol One Team reversing and reapplying the {$80.00} credit and my last payment. As well as reapplying them. Which is concerning to me very much. 

Which all brings us to the actual reason for my complaint. 

On XX/XX/year>. I made a one time principal only payment of {$2000.00}. Which, again, was subsequently broken down into two seperate payments of approximately {$1500.00} and {$500.00}. Of which roughly {$16.00} of interest was paid from the {$500.00} dollar payment. 

It is clear to me that Capitol One Auto loans are fraudulently applying extra principal only payments in order to generate more interest throughout the duration of the loan. They have done it to me twice now in a few months and my fear is that this is happening to countless others unbeknownst to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I made, in good faith, a deal with XXXX XXXX Harley Davidson and Harley Davidson Financial Services to purchase a XXXX XXXX XXXX XXXX XXXX. 
I have filed a small claims case against XXXX XXXX Harley Davidson and have informed Harley Davidson Financial Services, a.k.a. Harley Davidson Credit Corporation, that the matter is in a court case and to stop calling me about it. 
After several call-backs, I began blocking the source numbers but they change source numbers and keep calling, several times every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
Credit inquires on credit report are not recognized. They have been requested with agencys to be removed and no action has been taken. A identity report has been attached. I request if these inquiries may be removed due to be inaccurate and not me.

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 2024-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CO

Complaint narrative:
XX/XX/year> Bank Committing Offenses : WESTLAKE FINANCIAL SERVICES I tendered payment of {$40000.00} with negotiable instrument draft, Order to Pay WESTLAKE FINANCIAL SERVICES the amount of {$40000.00} USD. Instrument was served to bank 's trustee via US Registered Mail on XX/XX/year> pursuant to UCC 3-603 ( a ). Recipient for trustee signed USPS Green Return Card and I received card proving delivery. Bank kept the instrument and refused to return for defects or opportunity to cure instrument. We believe the bank securitized and sold the security instrument which is why they have refused to return the instrument.

Bank then refused my payment instrument as a tender of payment. The law says that the related loan was discharged by the bank 's refusal of my tender of payment in the amount of tender of payment per UCC 3-603 ( b ).

I served the bank with Opt Out Notice via USPS Certified Mail a few days after serving the payment instrument. We've sent numerous communications to bank 's CFO and Corporate Office principals- all have been ignored by the bank. The bank has sent repossession companies to attempt to repossess the vehicle after tender of payment was served.

The bank has violated my Opt Out Notice by providing my non-public personal information to third parties such as law firms and repo companies AFTER tender of payment and AFTER service of my Opt Out Notice. I served the bank 's CFO with notice of billing error per 15 USC 1666. The notice was ignored and the bank failed to provide any investigation, records, or follow up communications.

I have served the bank 's Chairman of the Board on XX/XX/year> with demand for arbitration per the contract. The bank has violated the laws of the Uniform Commercial Code, laws under the FDCPA, laws under the Bills of Exchange Act 1882, and my Opt Out Notice.

The related vehicle is owned by a trust and is lined for {>= $1,000,000} AFTER tender of payment in full was served. However, the bank continues their abusive practices and violations of law.

I can provide detailed information including all copies of all documents, instruments, and communications served to the bank. Please have a representative contact me to provide the supporting documents, as there are too many to attach to this form and it is unclear at this point what your agency needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-09-14 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: NY

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX : XXXX Account : XXXX XXXX XXXX XXXX XXXX  XXXX Upon reviewing my credit file/report I noticed that there were some unauthorized hard inquiries on my account. I Contacted the fraud department of the credit reporting angencies and inform them. I was told that the items will not be disputed and to contact the companies. I inform the representatives that i tried to resolve the issue month ago. I was dismissed with no help or remedy for these unauthorized and unverified inquires. I imformed them that if these are unauthorized then they are not accurately reporting my credit history. I was treated discourteously and requested to speak with a supervisor. I was told ill be contacted in XXXX to XXXX hours.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX : XXXX Account : XXXX XXXX XXXX XXXX XXXX  XXXX Upon reviewing my credit file/report I noticed that there were some unauthorized hard inquiries on my account. I Contacted the fraud department of the credit reporting angencies and inform them. I was told that the items will not be disputed and to contact the companies. I inform the representatives that i tried to resolve the issue month ago. I was dismissed with no help or remedy for these unauthorized and unverified inquires. I imformed them that if these are unauthorized then they are not accurately reporting my credit history. I was treated discourteously and requested to speak with a supervisor. I was told ill be contacted in XXXX to XXXX hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I attempted to link my XXXX XXXX  checking account to my Citi savings account and my online banking app became blocked and told me to wait 24 hours. I contacted Citi bank customer service who told me to wait 24 hours and I just be promoted to change my password and the lock would be removed. On XX/XX/XXXX I followed those steps and remain blocked from my account. I contacted customer service for a resolution. They authenticated me using my credit cards but are saying my information is incorrect on my checking account. I dont have a branch in Texas and unaware of how to get access to my funds. I requested Citi bank send me a verification to my phone or mail to my home and they have refused. I have also requested a banking statement to my home but have been denied. My next step will be to fly to a branch and close my Citi account if things dont get resolved

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 2024-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was a student at XXXX XXXX from XXXX to XXXX. I still have a student loan to pay at Navient. This has being going on now for over twenty years. Navient is now transfering the loan to a new company XXXX. I want this student loan to end and get it dismissed! 

I still owe about {$15000.00} dollars after years of paying it off. Can you help me? 
I am now approaching retirement age and I would like to use that money for my savings. 

Sincerely, XXXX in California

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-09-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI
State: VA

Complaint narrative:
General Revenue Corporation collection agency is collecting on a account that I am not aware of. I do not have a signed agreement or payment history with GRC. I have requested a validation letter with the following : 1 ) signed agreement 2 ) payment history 3 payment made with GRC. Yet, GRC failed to provide this details and I have repeated disputed this collection. My next step is to take legal action with GRC and seek damages due to not receiving the information as my rights to confirm/validate information on my credit reports. GRC continues to harassed from XXXX to XXXX to collect payment that GRC can not provide legal documents on GRC letterhead .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I opened a business bank account with chase, have been using the account for weeks now. I sent my first invoice for work using the quick pay system that I had added through chase to my business account. The customer payment process and has a confirmation number yet the funds are being held by chase and my account was deactivated yet they will not tell me why or any other i formation. Outside of I have to go appeal the decision. Even then I can not get the funds nor will they return them to my customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
XXXX still reports all of my student loans, even though the account has been transferred to XXXX. Please delete all XXXX accounts from my credit reports, as they have caused me severe financial hardship and denied me access to credit. All accounts from XXXX contain incorrect and outdated information and should 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 non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attended a predatory school that had misleading and false information to enroll students in light of their accreditation regarding my finances and livelihood. This ultimately cause a domino effect which cause the loans for into default

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX  Date of Inquiry XX/XX/2024, XXXX  & XXXX Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX  Date of XXXX XX/XX/2024, XXXXXXXXDate of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024 & XXXX XXXX XXXX 0Date of Inquiry XX/XX/2024XX/XX/year>

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX  Date of Inquiry XX/XX/2024, XXXX  & XXXX Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024 XXXX XXXX  Date of XXXX XX/XX/2024, XXXXDate of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024XX/XX/year> & XXXX XXXX XXXX XXXX of Inquiry XX/XX/2024XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: MD

Complaint narrative:
equifax is violating my rights by reporting this fraudulent account on my consumer file.this is my 3 rd request.this fraud account is a result of identity theft.i demand you remove the XXXX XXXX XXXX.enclosedis my ftc identity theft affadavit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: TN

Complaint narrative:
I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX XXXX XXXX, which solicited me to invest a substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial brokers. Some transfers were made through my wallet hosted by www.cash.app. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX XXXX XXXX Based upon the understanding that www.cash.app is acting compliant and will provide due care towards its wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for the provision of information to CashApp. Unfortunately, as of the date of this complaint, www.cash.app refused to provide the requested information upon our justified request. By refusing my request, www.cash.app failed to provide the required information about the VASPs hosting the beneficiary wallets, which I have made a series of transactions, www.cash.app does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from www.cash.app represents a clear example of the mistreatment of my consumer rights as a consumer.

Company response to consumer: Closed with explanation