vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 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: IL

Complaint narrative:
XXXX XXXX and Experian Please make-up your mind You are reporting me delinquent for XXXX XXXXXXXX Hone loans as followed for 2019 XXXX Delinquent for XXXX XXXX and XXXX Experian DELINQUENT FOR XXXX XXXX AND XXXX XXXX DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not one not but minions of times that XXXX has provided you with the current delinquency months yet you XXXX XXXX XXXX Experian have failed to update it correctly

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 2023-01-13 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: OneMain Finance Corporation
State: TX

Complaint narrative:
One Main Financial is in violating my rights as a consumer under laws 15 USC 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S Code 6802 Obligations with respect to disclosures of personal information ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681a - Definitions ; rules of construction consumer report ( 2 ) Exclusions. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: Self Financial Inc.
State: AL

Complaint narrative:
Hello my name is XXXX XXXX ; and the company that I am filing a complaint against is XXXX XXXX. when i began my credit building journey i was fresh out of high school and decided to start with self XXXX years ago ; there was an issue with my autopay which resulted in me receiving a late payment on my report. i havent received a late payment before or after that incident and now that im on the market for purchasing my first home this negative item on my report is the only thing holding me back. Representatives at self are refusing to give me a concrete answer or offer any help for my situation and the CEO has completely ignored my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I learned of potential fraud on my credit report. I tried to access my TransUnion report today through their website and via their phone numbers to issue a credit freeze and fraud alert. 

This was completely impossible through any of their phone or website channels. 
TransUnion is required to submit my credit freeze within one business day of my request. However, they have closed all possible avenues for this request. 

I tried several of their possible phone numbers, including : XXXX ( main consumer line ) XXXX ( escalations line ) I tried five times. 

The first time, I got through but the representative transferred me without being able to help me issue a credit freeze. I waited for an hour without any agent talking to me. 

On the website, it just says there are 'technical difficulties ' and to call the numbers I listed above. Each time I called, the line auto-hung up on 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 explanation
Consumer complaint received 2023-01-13 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have an od BP card that was closed in XXXX andvyuou guys are reporting me delinquent for XX/XX/XXXX on my XXXX report How? Is this possible

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 2023-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
No access to savings at Capital One Bank. The bank has restricted access to large chunks of my savings for several days, even though the funds have been transferred from my previous bank. I'm essentially without access to my money while Capital One " processes '' the money transfers for extended periods of time up to a week. This has happened with both the checking and savings accounts. Capital One customer service has been either been unresponsive or provided false information. 

I opened a Capital One XXXX savings and checking accounts on XXXX XXXX. At the time of account opening, Capital One gave me the option of transferring funds to the new accounts. I used this option to put several XXXX dollars in my new Capital One savings account, but the deposit never went through for unexplained reasons. Capital One never informed me that the initial deposit of didn't go through -- I had to find out on my own when I checked my new accounts on XXXX XXXX After the initial transfer failed, I conducted a second transfer attempt to my Capital One savings account on XXXX XXXX. The funds ( the same amount as initial deposit attempt ) left my XXXX XXXX checking account on XXXX XXXX but were not accessible in my Capital One savings account until XXXX XXXX. 

I called Capital One customer service on XXXX XXXX. They advised that a faster transfer would occur to my Capital One Checking account ( since XXXX XXXX is also a checking account ) and that I'd have almost immediate access to the funds. From there, it would quicker to get funds into my Capital One savings account ( which pay interest ), my ultimate goal. 

On XXXX XXXX, I conducted a much larger transfer from my XXXX XXXX checking account to my Capital One checking account, as advised. This amount, nearly all my savings, left my XXXX XXXX account on XXXX XXXX. XXXX XXXX is still " processing '' the transfer but says I won't have access to my funds until XXXX XXXX at the earliest! Capital One customer service refused to speed up access to my funds or return them to my XXXX XXXX account. 

The end result is that I'm left without access to nearly all my hard earned savings for more than a week. I simply don't trust Capital One bank when it comes to handling deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This account was closed XX/XX/XXXX for returned payments because at the time I wasnt aware that there is a particular way that this company likes the payments to be made. I made a {$72.00} payment XX/XX/XXXX and on XX/XX/XXXX upon checking my credit report my closed account is reporting XXXX days late. I would like this removed from my report immediately. Ive continue to make payments on my account, even though they closed my account without my knowledge. This account is closed there should not be any new activity on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Monday, XX/XX/XXXX In XX/XX/XXXX, I contacted the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX | XXXXXXXX XXXX XXXXXXXX, ( XXXX ) XXXX |Fax : ( XXXX ) XXXX. Informed me on XX/XX/XXXX they send Comenity Bank a letter regarding this matter, and if it still wasn't resolved, contact the Consumer Finance Protection Bureau. 

The XXXX account with Comenity Bank in XXXX ; the payments were on time. However, instead of XXXX placing the funds toward the XXXX account, the funds were attached to the XXXX account, which was also XXXX ; no clarification how that happened. In the meantime, I wrote a letter to close the account until the matter was resolved. 

The balance has been XXXX for at least several months ; Comenity Bank informed me to reactivate the account, I would need to write a letter stating to activate the following cards XXXX, XXXX, and XXXX. As Comenity Bank advised, XXXX XXXX, I wrote a letter ; however, XXXX months have passed since I wrote it the letter, and the few times they were called, they still will not remove the code. In addition, Comenity Bank never provided any feedback regarding the letter or the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have recieved a call today from a debt collector trying to collect funds from an account I have no idea about, As this has never happend to me before please help me remedy the situation and let me know what to do. Thank you for your help and is much appreciated and im looking forward too hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IA

Complaint narrative:
Specialized Loan Servicing has lost one of my mortgage payments and will not provide a solution to the problem. On XX/XX/2022 I sent {$1500.00} to XXXX XXXX XXXX. This was the initial payment on our mortgage. XXXX XXXX XXXX then sold the loan to Specialized Loan Servicing and this {$1500.00} payment was sent to them in order to be applied for our XXXX payment. Specialized Loan Servicing is saying that they have not received this payment and as of today XX/XX/2022 it has not been applied to my account. XXXX XXXX XXXX has confirmed multiple times that this payment was submitted to Specialized Loan Servicing via ACH. XXXX XXXX XXXX sent the ACH confirmation to Specialized Loan Servicing on XX/XX/2022 and resent it again on XX/XX/2022. I have also sent Specialized Loan Servicing my bank statements as proof of all payments being taken from my account. Since they have not applied the initial payment I had to make an additional payment for XXXX in order to avoid any late fees. I have paid Specialized Loan Servicing directly for XXXX, XXXX, and XXXX. Those three payments have all been applied to my account, but the initial payment made to XXXX XXXX XXXX still has not. I have called multiple times and I have even authorized XXXX XXXX XXXX to call on my behalf which they have. We can not get any resolution to this problem. Every time they tell us it's being escalated but nothing happens. There have been multiple cases opened with them and they all get closed with no resolution and no real answers. This has been going on for over 3 months and I can no longer waste my time on the phone with them to get nowhere.

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 2023-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
It appears Navy Federal Credit Union breached their fiduciary duty in the handling of consumer credit transactions that they processed on my behalf. They failed to act in my best interest and with utmost good faith. 

Navy Federal Credit Union failed to provide full and fair disclosure of all material facts of hte consumer credit transaction and notify me of the processes of the transactions, the whereabouts of my financial assets and their proceeds, and failed to provide me with a monthly statement for any and all accounts, including but not limited to segregated, custodial, and securities accounts, they opened on my behalf in my name, at Navy Federal Credit Union or other financial institutions while serving as the Securities Intermediary and attorney-in-fact for each transaction and asset for which there is a book entry documented. I am also demanding the disclosure of the CUSIP numbers of my financial assets. 

On XXXX XXXX XXXX an employee or agent of Navy Federal Credit Union signed for my documents sent via USPS XXXX XXXX, signature required, addressed to their headquarters to the attention of Transfer Message Department and/or CFO. Enclosed with my cover letter were entitlement orders/transfer message, notarized revocation of power of attorney, and the corresponding authorities for entitlement orders, financial assets, securities intermediaries, and securities accounts. 

I requested Navy Federal to disclose all accounts associated with my financial assets, sell all positions, settle any outstanding obligations that I may have, close those accounts, and transfer the proceeds to a securities account of my choice. 

To-date, I have not received any of the requested documentations, and Navy Federal Credit Union has failed to process my entittlement orders according to my demand as the Secured Party/Entitlement Holder/Issuer of the financial assets XXXX I have not received correspondence from Navy Federal Credit Union stating that they are processing or need more information. Therefore, there should not be any delays in the processing of my entitlement orders. 

The failure to fully disclose the information is a violation of Truth in Lending, and as such, requires treble damages in the amount of three times the finance charge. 

The financial assets for which power of attorney were revoked, and proceeds and documentation was requested for were initiated on : 1. XX/XX/XXXX, {$74000.00} 2. XXXX {$63000.00} 3. XXXX, {$52000.00} 4. XXXX {$5200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 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: IL

Complaint narrative:
I have an od XXXX XXXX that was closed in XXXX  andvyuou guys are reporting me delinquent for XXXX XXXXXX/XX/XXXX on my equifax report How? Is this possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: OH

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent inquiries XXXX XXXX XXXX XXXX  date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: HI

Complaint narrative:
Experian report number XXXX Date Generated XXXX XXXX Send proof of my XXXX account and XXXX account never late.

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 2023-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Business Bureau
State: IL

Complaint narrative:
This person has called repeatedly ( at least XXXX times ) without leaving a message. When I finally answered the phone today, the person stated that they were a debt collector collecting for a mutual client, and proceeded to try to give me my date of birth, as if verifying. When I asked who their client was, the person tried to give me my date of birth again. When I asked a second time who their client was, the person stated, " I must inform you that if I indulge [ XXXX ] that information ... '', whereupon I hung up and blocked the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I sent a XXXX XXXX money order for {$850.00} to XXXX XXXX Bank on XXXX XXXX, it was cashed on XX/XX/2022 and I called and recorder the conversation trying to resolve it. They asked me to send documents, after receiving the documents they still refuse to say they received them after they provided me with the wrong email address they had on file and apologized but didn't resolve it he issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: Mortgage Research Center, LLC
State: MI

Complaint narrative:
I am a XXXX XXXX XXXXXXXX XXXX  was told by a real estate agent to go on line and get information from Veterans United Home Loans to compare rates. I went on line filled out the XXXX portion of inquiry- after putting in my information I realized that this was a pre-approval form for a loan. I did not continue with the form but closed out screen. Today my husband received a letter of stating the application had been closed because they did not have all my information. It also, states that this action is not reported to the credit bureaus. And does not affect your ability to apply with another lender or reapply with Veterans United Home Loans in the future. 

This company ran a credit bureaus hard inquiry- insisting I gave them the authority to do so,. If I had then they would have had all the information they needed and the application would have been complete. 
When I call them to have them remove the inquiry they argued with me ( one supervisor stated that he was the only supervisor and I had to talk to him!! He LIED! ) I called back and was given " ANOTHER SUPERVISOR '' hearing laughter in the back ground. They refused to remove the inquiry and now my credit rating has gone down XXXX points- And if I wanted to I could not get any loans period because it has taken my rating in the low XXXX 's. 
My husband and I both have a back-ground in XXXXXXXX XXXX XXXX  and we know what they are doing is incorrect. 
I am sure they have done this to other XXXX. 
And I feel they need to remove this inquiry.

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 2023-01-13 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I purchased a vehicle on XX/XX/2022 and financed it through TD Auto Finance. I made all of my monthly payments on time and was fortunate enough to pay the loan off on XX/XX/2022. XXXX sent me a letter dated XX/XX/2022 acknowledging the payoff along with a release of lien letter. I have tried to obtain the title through my local DMV but they will not issue it because the lender hasn't released the electronic lien. I have contacted TDI and they will not release the electronic XXXX because they claim to have never received the original title from the dealership. This issue is between XXXX and the dealership. XXXX  will not give me a date as to when this will be cleared up and I am left with no where to turn. I have a vehicle that I can not sell without a title and XXXX  will not give me my title. What do I do??

Company response to consumer: Closed with non-monetary relief