vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 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: DE

Complaint narrative:
I would like to state that Equifax is in violation of 15-USC-1681 b ( a ) 2 which states a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. 
I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft. I demand that Equifax remove these inaccuracies off my consumer report. They are hurting my consumer report .Keeping me from extending my credit. If they are not removed. I will not extend my credit to anyone or allow Equifax to furnish a report for me. Persuit to 15-usc- 1681 ( a ) 1 states that the Banking system is dependent upon fair and accurate consumer reports. 

XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO

Complaint narrative:
XX/XX/XXXX - I received a payoff quote from Nissan Motor Finance and immediately paid that amount- {$25000.00}. I received a confirmation that the loan was paid off and I should receive the title in about 20 days. 

XX/XX/XXXX - I called to check on the title because I need to register my vehicle. I was told that I still owed {$590.00} on the payoff. After some research it was discovered that someone posted the payoff amount of {$25000.00} to future payments, NOT the payoff. After 2 hours on the phone I was promised this would be corrected and my title sent ; I was told I would receive a return phone call - did not receive a call back. 

XX/XX/XXXX - I called AGAIN to make sure this had been taken care of. On the phone over an hour; was told I still owed {$590.00}. Because I need to get my title, I paid the additional amount. Again, I received a confirmation that the vehicle is paid off and I will be receiving my title soon. 

On the same date I also sent a certified, return receipt letter to Nissan in XXXX requesting assistance with this. As of this date, that letter is still sitting in the post office box waiting for someone to pick it up. 

On approximately XX/XX/XXXX, I called to make sure my title was being sent. I was told that it was 'in process ' and I should receive it shortly. 

XX/XX/XXXX - I AGAIN called Nissan to make sure my title was coming. I was told that no, it isn't coming - that I still owe another {$22.00} before my title would be released. I spoke with a supervisor, 'XXXX  XXXX, who said they are waiving the {$22.00}, it will take about 2 days, and then my title would go into 'process ' and I will get it in about 20 days time. This morning on the Nissan Finance website nothing has changed. 

They have given me different information each time I've called. I have paid off this vehicle on XX/XX/XXXX, and they keep asking for more money despite receiving information on 2 occasions that the vehicle has been completely paid off. They are holding my title hostage while demanding more money, similar to extortion. I need help as I can not register my vehicle in Missouri without my title and yet I can't get ahold of the title despite pleading for assistance from Nissan. 

I want my title, and I would like a refund of the {$590.00} I was forced to pay after getting the correct payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have received a wire transfer which was accepted and posted by Capital one to my account. The purpose of the transfer was a business loan for the amount of approximately {$25000.00} and it was under my business partner who started a small business and sponsered me to run this business and all the financial and basically I am in charge of managing the entire business and I even have an power attorney from him and the money was authorized by him to be deposited to my account and I was going to use the funds to make some purchases. Please also keep in mind the business is a sole proprietor business and using a personal account is permitted by law since is not an llc or corporation and is under my sponsor name. Capital one blocked the funds and even I have called and explained the situation multiple times, they still refused to release my funds. I understand Capital one has a right to end the relationship at anytime as is stated on the agreement and that is not my concern at all, but they dont have a right to hold the funds that legally authorized by my sponsor to be deposited to my account and I have full authority over the funds for absolutely no reason. After many contacts, still they have refused to release my money and even i was told the transfer is going to be reversed to the originator which is absolutely unacceptable. I have provided a clear explanation and clarified about the funds and ready to provide any documents of is needed, but if capital one does not have any documents or any reasonable explanation why they still have not released the funds even after I have clarified, they have to immediately release the funds to me. I am requesting capital one to immediately release the funds to me and give the money that belongs to me and I have full authority over the funds and would like to clarify again, they can not hold my funds or return them or anything to do with the funds, unless they have evidence supporting that the funds does not belong to me. I have a notarized power of attorney from the person who his name is for the transfer and he authorized the funds to be deposited to my account. Additionally, if there were any concern in regards to the name mismatch or anything else, capital one could reach out if there were any concern and if they weren't satisfy with my clarification they could have reject the deposit before being deposited into the account and I will deposit then into another account, but instead they have accepted and deposited the funds and after a few days all of a sudden they decided to investigate and place a hold on a money that does not belong to then and even still after I reached out and clarified and provided them with a power of attorney letter which proves the funds belong to me, still they did not release my funds for absolutely no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BCG Equities, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I received a summons for civil suit from BCG Equities , LLC on behalf of their counsel Law Offices of XXXX XXXX in the XXXX XXXX XXXX XXXX, XXXX, Ohio. I was never notified of this debt that is from XX/XX/XXXX from BCG Equities LLC until receiving said notice to answer civil complaint for alleged money requested. I provided my answer to the complaint to both the court and the XXXX XXXX XXXX and it is awaiting trial. This is a direct violation of chapter 15 USC 1692g 809 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I reached out to Lowes and found out that my credit card account had been closed. After speaking with a representative I was advised that my account had been closed because of the last payment wasn't processed. Ultimately because there was a past payment that also didn't process the most recent payment that didn't process caused for the account to close.

I reached out to Lowes Credit Card services and i was told to send a fax to the payment processing department from the bank proving it was a bank error and my account would be reopened. After doing as instructed i called several times and Lowes stated they will not reopen my card even through its bank error and it states that in there terms and conditions of the card.

i confirmed that my bank did not process my payment and I went to the bank to find out why the bank stated they actually didn't know why my payment didn't process and wrote a letter to Lowes on my behalf stating that the funds were available and the transaction should of cleared.

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a file below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Santander Consumer USA Holdings Inc.
State: WV

Complaint narrative:
They ate asking for money they say was owed on a lease thar was returned and settled with a new lease with Chrysler Capital. I do NOT owe them money on the vehicle and I have explained that numerous times. I have an XXXX credit score and I am meticulous about debts. They call me multiple times a day and they are rude and I have had to block the calls from many different numbers. Now they are calling my XXXX XXXX XXXX multiple times and I have asked them not to. It is embarrassing and harassment to be called at my XXXX  for personal debts that I don't even owe! Chrysler Capital is well known for harassing behavior of this type.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I recently paid my Avant Credit Card the end of XXXX. I had planned to cancel the card after I had a confirmed a zero balance. I then noticed a {$29.00} annual fee. This is to cover me from XX/XX/XXXX through XX/XX/XXXX. I called to ask that my card be cancelled, and this annual fee be dropped as the card will be cancelled during that time frame. They refused to do it as it was already charged. So wrong on so many levels. I have the actual statement to prove what I have said. I know it is only {$29.00}, but every little bit helps. Suggestions on how I get it back?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Driveway Finance Corporation
State: CA

Complaint narrative:
I received an auto loan with XXXX XXXX XXXX XXXX finance XX/XX/XXXX. I had issues with billing and arrangements ending in a repossession. In XXXX a new company Lithia/driveway finance '' began reporting an auto loan on my credit. I have had XXXX on three occasions challenge the debt as I've never done business with this company. All disputes come back reported as valid. So, I called and sent a couple of letters requesting proof of debt and if in collections when and how record was obtained. I was ignored throughout XXXX. In the third week of XX/XX/XXXX, I sent a certified letter for verification of debt, proof of debt purchase, proof of business or account letters to " Lithia/Driveway Finance ''. I received no response. So, in last week of XXXX and 30 days after verification of certified mail received, I contacted " Lithia/Driveway Finance '' by phone. After many transfers and excessive rudeness, I lastly spoke with accounts manager " XXXX ''. He explained to me that the letters were received and that they were listed in his system as " frivolous ''. Not only did the receive department list as this, but that I was not going to receive a response. I ask again for proof of any document with them for a debt & they refuse to provide. I asked about my original finance company & was told they no longer in existence. I've tried for 2 years to get this debt removed or verified. My attempts have failed. I am spoken to like an XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a file below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-09-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a file below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-09-15 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I filed a compalint with you regarding XXXX XXXX XXXX ( XXXX ). 
XXXX 's response : Company 's Response In their complaint, XXXX XXXX XXXX states his credit report reflects an account with Kia Finance America ( KFA ), but he has never had and account with KFA. XXXX XXXX requests the account be removed from his credit report. While KFA is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to KFA reporting an account to the credit bureaus under XXXX XXXX name. KFA has no record of XXXX XXXX having an account with KFA nor was KFA able to verify with XXXX, XXXX or XXXX that they are reporting a KFA account under XXXX XXXX name. Should XXXX XXXX have a copy of the actual credit report showing the KFA account, he may provide it to KFA who will reopen the investigation. XXXX XXXX XXXX submit a copy of the credit report through the CFPB XXXX or he can mail a copy to KFA at : KFA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I have attached a copy of my credit report which clearly shows the account is reporting. I have been dealing with this issue for two years and keep getting the runaround.

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a compalint with you regarding XXXX XXXX XXXX ( XXXX ). 
XXXX 's response : Company 's Response In their complaint, XXXX XXXX XXXX states his credit report reflects an account with XXXX XXXX XXXX ( XXXX ), but he has never had and account with XXXX. XXXX XXXX requests the account be removed from his credit report. While XXXX is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to XXXX reporting an account to the credit bureaus under XXXX XXXX name. XXXX has no record of XXXX XXXX having an account with XXXX nor was XXXX able to verify with XXXX, XXXX or TransUnion that they are reporting a XXXX account under XXXX XXXX name. Should XXXX XXXX have a copy of the actual credit report showing the XXXX account, he may provide it to XXXX who will reopen the investigation. XXXX XXXX may submit a copy of the credit report through the CFPB portal or he can mail a copy to XXXX at : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I have attached a copy of my credit report which clearly shows the account is reporting. I have been dealing with this issue for two years and keep getting the runaround.

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 2022-09-15 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: GA

Complaint narrative:
There are 10 derogatory accounts on my report with all 3 credit bureaus, connected to someone else that has fraudulent use my personal info. I have sent the bureaus copies of my identification by certified mail in XXXX of XXXX and requested the incorrect names XXXX XXXX, XXXX and accounts be removed. I have contacted these creditors and no info will be released to me since I am not the owner of these accounts.

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, I previously submitted a dispute for XXXX HOUSE where I showed that my dispute letter was returned from the post office because the address did not exist. In your response you stated that you updated the prior payment history as requested however upon checking my report it only shows that the balance was updated to {$0.00}. The payment history still shows incorrect late payments for the months of XX/XX/2021 and XX/XX/2021. Please review the attachments and update my payment history for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: MO

Complaint narrative:
I stopped using My " Direct Express '' prepaid card in about XXXX of XXXX but the card still had a balance of over {$1600.00}. After using the card in XXXX of XXXX I noticed a serious discrepancy in the balance.After some checking I realizing about the fraudulent charges and called Direct Express customer service and fraud departments immediately informed them of the fraudulent charges, reported to miss use online, canceled the card, had a new one issued, requested the necessary paperwork to file the report be mailed, and filed a police report. Also ... In my first conversation with the agent at Direct Express ' fraud department I was informed that the fraudulent amount charge look to Total around {$1300.00} to her and if I filed the paperwork that would be mailed to me and return it within 10 days I would be giving a temporary credit for the amount claimed was stolen while the decision was being made. Direct Express did not mail the paperwork needed from their office for 7 days and I did not receive it until 11 days after the initial report had been made canceling any chance I had a receiving a temporary credit. I've read online that this is a common practice with this company.Once I received an itemized statement from XXXX to XXXX I realized that there were hundreds of these online charges ranging from one cent to around {$40.00} totally around {$1500.00}. I filed a complete report itemizing every charge including the police report number filed and the officer that filed it and waited for a response. After about a month I received a letter saying my claim was being denied and that they believed all charges were made in good standing by me. I called Direct Express ' fraud department, informed them that this was incorrect and was told that they never requested a copy of the filed police report saying it was not necessary and the decision was final, there was no appeal process, and there's nothing that I could do about it. I have copies of the entire claim report I filed with Direct Express fraud department as well as copies of the police reports I filed at my local police department about the fraud if needed.

Company response to consumer: Closed with monetary relief