vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 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: FL

Complaint narrative:
This started several months ago. I have a numerous issues. I have a checking account as well with Capital One that has been a issue. I have experienced my payments not being process and companies ( i.e XXXX  ) that my account was closed. I sent XXXX a screenshot that my account was in fact NOT closed. They refused to resubmit the payment. Thus making my payment late and since I wasnt aware of the issue they cut off my cell service. Then, I am not allowed to transfer funds out to any other bank other then TD bank, even though my XXXX account was linked and verified through their app accordingly. I have 4 credit cards with the company and 3 have issues due to the COMPANY failing to apply payments ( i.e auto pay ) therefore charging pass due fees and extra interest. One of the cards was to be replaced due to fraudulent activity. Never received. I have copied this and sending to proper authorities as well as my respective Congressman. I believe that this is a targeted attack due to my Career, I investigate XXXXXXXX XXXX XXXX. I have turned in A LOT of people for Criminal Indictment. I also believe that is bank is targeting me due to my various donations to certain charities and political campaigns. I will be referring this and my documentation of conversation with XXXX and screenshots of Auto-Pay scheduled that were not taken from the checking account I have with this company and posting to satisfy my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i like to file my cliam against Capital One the compliant is about a big deposit of {$130.00} in my account form some payees... now after 4 months is the funds still not avialebel and they keep saying that they need to make an investigation. I provided them with all documents which I will provide these documents are proof of everything showing that these funds are going out and sinegd latters from the payees by notary poblick supervethion. Capital One keeps saying they have to investigate and after that thay said that the investigaition is done and thay trying to send the money to the payees, what is not true ... one of the banks is XXXX  XXXX XXXX. Capital One also told me I have to wait for the other bank to reverse the funds that my money is pending from XXXX  XXXX XXXX. The person who gave me the check said they called XXXX  XXXX XXXX and they said no funds are pending and nothing happened so I called Capital One again to let them know that XXXX  XXXX XXXX said nothing was pending and Capital one said " maybe it was not the right person he doesn't know what they are talking about. '' I requested Capital One to give me an explanation as to why they are keeping my money. My opinion is that Capital One just wants to keep my money and don't want to give me my money. I need my money. please open the eys and see the unfer behaiver from capitel one bank with no any time frame comitment...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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, Could you please remove account ( attached to identity theft report ) - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX from my credit file, as this is not my account, I've tried to reach out to the company itself but Im unable to reach anyone via phone. Please remove this from my credit report immediately as this account is affecting my credit score. Also, please remove the unauthorized inquiries attached to the identity theft report as well.

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 2023-04-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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:
Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.

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 2023-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am a victim of identity theft, I have an FTC identity theft report. I recently discovered multiple credit cards that have been maxed out on my credit report that is a result of identity theft, and I am disputing them with the furnishers and credit bureaus to have them removed. I have also had police contact me in the past due to finding perpetrators with cards in my name in their possession, and they were able to call the furnishers and get those accounts removed. So my identifying information has been compromised for years now. 

I started a dispute with Discover and the 3 credit bureaus back in XXXX. I attached my SSN, ID, bank statement for proof of address, FCRA, FTC identity theft letter, and a letter stating why and what I was disputing. I was Disputing a discover account on my credit report because it is not mine and I did not open it. Discover has responded by sending me and the 3 credit bureaus credit card statements, the date opened, and my identifying information on the account in order to prove that it's mine and try and validate the debt. Discover sent these letters on XX/XX/XXXX and XX/XX/XXXX. I have since started a second investigation with Discover and the 3 credit bureaus. I advised Discover that an itemization of charges and my personal information does not validate this debt, but documentation bearing my signature is needed to validate the debt. Which Discover does not have, they continue to send account statements in order to validate the debt. They have nothing bearing my signature, and the account should be removed from my credit file immediately since they are unable to provide documentation with a wet signature proving the account is mine. My identifying information has been compromised for years now. I informed Discover and the credit bureaus that I will report this to the attorney general and CFPB if they continue to ignore my request for documentation bearing my signature. Additionally, the date opened, credit limit, high credit limit, and date last active listed are inconsistent across the three credit bureaus. I advised Discover and the 3 credit bureaus that since the account is reporting inconsistently, and they don't have documentation bearing my signature it should be removed. However, they continue to end the investigation in Discover 's favor, even though they have not validated the debt with documentation bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: PA

Complaint narrative:
We refinanced with XXXX in XX/XX/2022. The loan is mortgage only. We pay for insurance and taxes directly. In XX/XX/2022, In XXXX, I noticed that my mortgage payment would be put into Unapplied Funds and taken out and that a late fee was attached and removed. Thinking this is odd, I called XXXX and learned they imposed this escrow representing homeowners insurance because they thought I didn't have it. I sent them a copy right away for XXXX ( you can tell the save doc on the attachedpdf ). the next time I check my paperless statement, the escrow is still there. So I call again to learn they needed the policy year prior, XXXX. Again I provide it to them right away. While I provided the documentation, they do not remove the escrow account which is causing my payments to be treated as late because they are not receiving the full amount due in their eyes. How they handled the payment I sent was to deposit it into an " unapplied funds '' account. 
I called them a lot and got a different person every time. Each one would say " Well you owe the escrow '' and I would explain the situation, be put on hold for a long time, and get the same answer that it would be fixed. Finally, XXXX person around XXXX got the escrow removed. For some reason, the company then sent me the amount of {$110.00} representing XXXX month 's escrow for the homeowners ' policy they instituted that was never needed. Again in calling, I learned I had to pay them back for this in order for the XXXX payment to process on time. While I thought I had this wrapped up once and for all, they reported XXXX as late and imposed a late fee. I have tried vigorously to get someone to change the status on my credit report but to no avail. I believe that calling them is a waste of time and an invitation to further stress and aggravation. I NEED HELP. My credit has been negatively impacted and the timing is horrible because I need to buy a new car but can not because my credit is in " XXXX '' status when normally it is XXXX and above.

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 2023-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2023 i sent a certified letter to all 3 credit bureas to dispute and investicate multipme errors on my my credit report it took over 45 days and items were removed. Now items that were removed are back on my credit report and they started a reinvestigation i also sent a letter XX/XX/2023 about my investigation not being done in a timely manner it is now XX/XX/2023 and nothing has been done i never got any type of verification on any accounts disputed i only recieved copies of my report from trans union and XXXX XXXX never recieved a anything about a reinvestigation and i want these negative items removed immediatly

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 2023-04-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hi, XXXX is erroneously reporting my creditscore as XXXX when in fact my credit scores are XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) I tried to contact Capital One bank at XXXX and asked to speak to XXXX ( a company that provides creditscore on the Capital One Bank app a lady at a call center answered.Intially, she said XXXX gets info from 3 major credit bureaus, then when I told her what the 3 credit bureaus scores are at this moment, she gave a useless excuse and just hung up. 
She appeared to have no knowledge that XXXX, XXXX and XXXX are the three major credit bureaus. 
Also, she later said do not worry about XXXX, it does not matter. 

Then why is XXXX claiming to give the consumers using CapitalOne bank app their accurate creditscore? 

The incorrect information ( low credit score ) on XXXX must be immediately corrected because it is negatively affecting me as a consumer. 

I request CFB to help me fix the the error by contactingCapital One and XXXX. 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: NC

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

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 2023-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Managers, Inc.
State: WA

Complaint narrative:
DEBT WAS ALREADY PAID OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this!! 

The accounts listed here need to be DELETED IMMEDIAYELY. 

Account name : 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 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Upon reviewing my credit report, I noticed a Navy Federal Credit Union credit card that was not mine ; I contacted NFCU ; I did not open a membership or apply for a credit card. 
XX/XX/23 notified NFCU; confirmed that this was not mine ; NFCU closed acct; completed their Declaration of Forgery and Fraud Claim - cf # XXXX ; XX/XX/23 filed disputes with credit bureaus. 
XX/XX/23 called because I did not receive a confirmation letter ; no update XX/XX/23 contacted NFCU security, XXXX ; on hold 1 hour ; spoke with XXXX who was concerned the case was over 53 days with no movement ; escalated and provided case # XXXX XX/XX/23 called NFCU security, XXXX ; on hole XXXX & XXXX ; spoke with XXXX who confirmed no movement ; escalated again and provided email - XXXX ; XX/XX/23 I emailed XXXX the above information and requested an update ; no response as of XX/XX/23 XX/XX/23 contacted Florida Attorney General and received additional resources. 


I have applied for a position with Navy Federal Credit Union and am pending status ; I can not be hired until this alert has been removed. 

XXXXXXXX filed Federal Trade Commission Identity Theft Report I learned from the XXXX report that the address associated is XXXX XXXX XXXX XXXX SC XXXX or XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never resided at these addresses or city. 

I did not open a membership or credit card with Navy Federal Credit Union or authorize any one to on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Im writing to you today because I have tried everything in my power to get my home equity loan straightened out with Wells Fargo bank. my home equity loan ballooned this past XXXX and with things being the way they are in the country right now payments went from about {$450.00} in interest to {$2100.00}. in interest plus principal. I explain to Wells Fargo on many occasions that my business has not come back yet since the pandemic and I am unable to afford the {$2100.00} temporary loan modification payment each month. I started making payments of {$1400.00} a month which is the temporary loan modification minus the property taxes and insurance. I pay taxes and insurance directly. This wipes out all my social security check plus more. 
There is much more to this story. I was put in a forbearance durning the pandemic which I caught up with, but they mismanaged the account and never took me out of forbearance even though I was paying! Many conversations with them, one person tells me to do something and another says to do something else! What a mess! 
I am XXXX XXXX XXXX and trying my best to keep the home my dad and I built many years ago. I XXXX XXXX XXXX company which suffered terribly during the pandemic and still hasnt come back yet. Im trying my best to work with them and although they have offered me other options each option they have offered, cost me {$2100.00}. As I explain to them on many occasions I dont have this much money to give them each month. Ive spoken with many people there and have had many problems along the way. The harder I try to work with them, the harder they work against me, although they said they are helping, they are not. Now theyre sending me letters of foreclosure even though I am paying them something each month. But that payment that are putting towards past interest, so its like Im not paying anything! If I dont pay the back interest of {$12000.00} by XX/XX/2023 they will foreclose on my home! 
I explain to them that I own another property with my cousin, a house on the beach which we are negotiating to sell. When I get my half of the money I plan on paying off this loan. I did explain that to them but they are not willing to wait and just let me pay some thing in the meantime. 
You are my last resort! 
I need to get this straightened out, I can make the payment of {$1400.00} and pay my own taxes and insurance, but they wont let me! 
Please help Thank you

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 2023-04-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Reflecting lates on credit report. 

In compliance with the fair credit reporting act this creditor has violated my rights. under 15 USC 1681 section 602, states I have a right to privacy 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditorI may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation