vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/XXXX, i applied for a auto refinance with capital one. they have not provided a copy of the contract. They paid off the vehicle by XX/XX/XXXX, which also invalidated my registration for my vehicle due to title change. Capital one never advised i would have issues with registering or using my vehicle. i subsequently noticed my tag was expiring and i visited the XXXX XXXX tax collector office that also houses vehicle registration. They advised that the vehicle is no longer legal to drive. i sent the paperwork required by Capital One on XX/XX/XXXX. On XX/XX/XXXX i began calling capital One, they advised nothing they could do, waiting on title. The previous leinholder sent the title to Capital One on XX/XX/XXXX. Capital One claimed they did not receive the title until XX/XX/XXXX. They advised they sent the information to Florida XXXX, but their website advises it could take a few months to process. I have no terms, or contract. I was not told I would be without the financed vehicle for months. everything this company has done has been deceptive. i advised i should be compensated per day for all the time i do not have the vehicle i am paying fir and they said that two months was within their correct processing time which was never communicated to me. They should be investigated for their auto refi process as a whole, there is no detail available anywhere from capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
US AUTO FINANCE/US AUTO has been reporting worng for the past 5 years. I have called them directly as well as sent a letter. This accoutn was in a bankrupty back in XXXX 2016. I have asked them to fix this and also for the report bureaus to update this as well and they still have not done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit System never notified me of the debt or let me verify where this debt came from. I had to purchase a credit report to see where this claim is coming from. It claims the original lender was XXXX XXXX XXXX  XXXX but I moved out of that complex in XXXX of 2021 and did not have any balance with them whatsoever. I have attached the closing move out statement to prove I HAVE NO BALANCE WITH XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX XXXX Name of Account : XXXX  Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX Name of Account : XXXX  Name of Account : XXXX XXXX Name of Account : XXXX  Name of Account : XXXX XXXX  Name of Account : XXXX XXXX XXXX Name of Account : XXXX XXXX XXXX XXXX XXXX Name of Account : XXXXXXXX XXXX XXXX Name of Account : XXXX Name of Account : XXXX  Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX  XXXX Name of Account : XXXX XXXX XXXX  Name of Account : XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX XXXX XXXX of Account : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX Name of Account : XXXX  Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX  Name of Account : XXXX XXXX XXXX Name of Account : XXXX XXXX XXXX XXXX XXXX Name of Account : XXXXXXXX XXXX XXXX Name of Account : XXXX Name of Account : XXXX  Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX  XXXX Name of Account : XXXX XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX XXXX Name of Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Sequium Asset Solutions , LLC for committing fraud and identity theft. I have never contracted with Sequium Asset Solutions , LLC and I did not authorize nor consent to the use of any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe them. These abusive, deceptive, and unfair debt collection practices committed by Sequium Asset Solutions , LLC have brought me severe XXXX XXXX XXXX I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Sequium Asset Solutions , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Sequium Asset Solutions , LLC continues its collection efforts, I will file for litigation for actual damages caused, and Sequium Asset Solutions , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Someone opened a Bank of America credit card in my name on Friday, XX/XX/2022. They immediately tried to make two purchases totaling over {$1000.00}. BoA denied the charges and alerted me to the suspicious activity. The bank subsequently closed the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I submitted a complaint to CFPB on XX/XX/2022 about Bank of America reporting credit history to 3 consumer reporting agencies ( XXXX, XXXX, and XXXX ). Once again Bank of America responded back not addressing the issue. I clearly stated Bank of America was in violation of 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;, In simple terms, Bank of America is not suppose to report late payments to consumer reporting agencies ( late payments ). Bank of America has reported transactions and experiences with Consumer reporting agencies. Every time Bank of America receives this complaint, they send over the same documentation that they sent before. Bank of America needs to explain to me why they are reporting transactions and experiences to the consumer reporting agencies regarding this account. Clearly this is a violation. Bank of America needs to show me the law where they are required to report transactions and experiences between the consumer and the corporation ( BANK OF AMERICA ). I would also like to see how they investigate this matter, including facts that were found and laws stating what they are required to do by law when it comes to reporting to the consumer reporting agencies. Please do not send another resolution letter stating here 's our response with no laws to supporting your response.

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 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I deposited a check for ~ {$6000.00} in XX/XX/XXXX then was told 3 months later that I had already deposited this check almost a year ago in XX/XX/XXXX. Now I understand it is my fault for cashing it twice, but honestly I did it by accident, I thought I had saved that check from last year for when i needed it. I just wanted to complain about the fact that why is it always the consumer 's fault? Wouldn't it also be a bank error for accepting the already deposited check and not letting me know until months later after I had already spent the money on my bills? I am willing to pay the bank back but want to see some sort of change in the system for the consumer to not be held accountable for bank errors, especially when big banks control most of the money/power in the world and are responsible for most of the evils in this world.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kansas Counselors, Inc.
State: TX

Complaint narrative:
XX/XX/2022 at XXXX Kansas Counselors XXXX called my workplace and left voicemails inquiring about my name. I have never once listed this number on anything medical or financial related, so not sure how it was obtained. This is not the first time they have called.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX put XXXX amounts due into an 18 month Promo purchase plan and after I make an online payment I need to call them to disperse money to the promo plans, XXXX in escalation and XXXX wasted my time by not moving the money to to program and they hung up on me 2x

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 2022-04-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I applied for a home equity loan ( loan # XXXX ) with loandepot.com, ( NMLS # XXXX ) Overnight, I changed my mind because I wasn't comfortable with the terms and on the morning of XX/XX/XXXX, I sent a text message to the loan officer informing her of my intent to withdraw my loan application and cancel the loan. Loandepot.com charged my credit card ( initially with my approval ) {$490.00} for an appraisal fee on XX/XX/XXXX and {$22.00} for a credit report on XX/XX/XXXX. Both of these fees were charged after I canceled the loan. I was told the charges would be refunded, since the services had not been performed. I followed up on XXXX asking again for the refund. The loan officer never responded to my text messages, emails or phone calls. I called Production Manager XXXX XXXX during this time period to ask for a refund and he assured me it would be processed. The original loan officer contacted me on XX/XX/XXXX and said the refund would take approximately 14 days to process. At this point it was already past 14 days since cancellation but she said to give it another XXXX days. Now it's been 27 days since I cancelled the loan application and I still haven't been refunded those fees. The original loan officer ( XXXX XXXX XXXX # XXXX ), nor her Production Manager, XXXX XXXX have returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: AZ

Complaint narrative:
I have asked XXXX, XXXX and TransUnion for a more than reinvestigation 6 times. I have not been given this. I have formally asked by mail, I have asked by phone and I have asked online. I have errors on my credit report that they refuse to fix. They do not offer me proof of investigation or proof of the original debt required under the fair credit reporting act. Their employees do the bare minimum of work and millions of consumers pay the price for their negligence. There is a fiduciary duty to uphold the laws set in place to protect people. It does not seem to matter. 


Several of the accounts have the wrong dates reported. By law, the first instance of an account being delinquent is the date in which the 7 year rule starts. Two accounts are more than 7 years old. They became delinquent more than 7 years ago. In order to keep them on my credit report, the reporting companies must provide a full accounting of the original account terms along with a full accounting of all payments. They must also have the correct legal name of an individual and the correct SSN and date of birth. If they can not provide ALL of these detail, under the FCRA a debt MUST be deleted. 

ERRORS : # XXXX. I have a closed credit card from XXXX XXXX  XXXX that is too old to be on my report. If the reporter fails to furnish all of that information and legally required documentation within a 30 day investigation period, the debt must be removed by the Bureau. 

# XXXX. I have a closed account from XXXX XXXX that is not only too old to be on my credit, but the sum of the original debt was fulfilled at auction and the company did not issue me the positive difference that they made of the vehicle which is illegal. 

# XXXX My legal name is incorrect. I have provided legal documentation of my name to these bureaus on more than one occasion and my name is STILL incorrect. Which is causing many errors in credit reporting. 

XXXX # I have a collection from XXXX XXXX XXXX that was paid to the original account holder. I paid my entire balance on autopay until I canceled the account in person at the California office. They must provide all original payment history to show that I did not. This account also has the wrong dates reported and was fully closed in XXXX XXXX after being paid in full. I did not have an account with XXXX in XXXX at any point in time.

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 2022-04-26 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: NC

Complaint narrative:
Account with XXXX XXXX is appearing on my credit report. This is a result of identity theft. I have attached a copy of my FTC XXXX affidavit in support. Please block and suppress this incorrect information. 

Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OR

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. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2022-04-26 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
In XXXX, my mom helped me lease a XXXX XXXX XXXX and the financing was through Kia Motors Finance. At the end of the lease, we turned the car in because I could not afford payments on it. The original sales person at XXXX XXXX Kia wrote up my contract wrong for the mileage allowed during the lease, leaving my mom and I with a balance of {$1200.00} for the overage of miles. Neither my mom or myself could afford to pay Kia Motors Finance at that time so we let it go to collections. On XX/XX/XXXX, I called and resolved this balance for full and final payment of the XXXX for around {$850.00}. They sent me a letter stating the account was paid in full and they would report it to the credit agencies as such. Fast forward to XXXX of XXXX, I tried to get a personal loan through a bank and they could not grant me the loan because my credit report was stating I still owed the full amount of {$1200.00} to Kia Motors Finance. I called again in XXXX of XXXX, they apologized for the inconvenience and stated they would resolve it with the credit agencies. In XXXX of XXXX, I went to XXXX XXXX Kia and bought a new car, but was told Kia Motors Finance would not finance me because I still owed them {$390.00} from the original balance in collections. This is absolutely inaccurate and I do NOT owe Kia Motors Finance a dime. This should be resolved as PAID IN FULL, not charged-off. This needs to be resolved ASAP. Kia Motors Finance had 30 days from the day the {$850.00} was agreed upon and paid for to fix it with the credit agencies and they have still failed to do so. This is messing with my livelihood and is on my credit report to this day.

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 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
AWA placed an acct on my credit prior to notifying me. Nothing was sent to my correct address. I found out due it being placed on my cbr. I called in to make payments. Ive been told I have no payments set up. But they debit it from my acct on the XXXX and my balance has decreased. I have now asked them to stop touching my card. 

I called in last Thursday XX/XX/XXXX and spoke with XXXX, in an attempt to settle my debt and have it deleted ( when it shouldnt be reported to begin with ) who immediately stated the mini XXXX and gave me all of the acct info without even confirming he was speaking with the correct party. He said my phone number pulled it up and thats all he needed. No. He needs to verify before releasing someones sensitive information. 

I ask for someone else. He tells me there is no one else. That he is the highest Ill get on the phone. I tell him that I will get someone else and I will file a complaint, his words, BET! 

I call in today XX/XX/XXXX XXXX answers. He tells me hes the only manager thats there. Again, refuses to allow me to speak with someone else. I try to get another manager by calling in private ( sad I have to do that ). I get someone who claims to be in management. Then later tells me shes going to get me a manager. 

I get a higher up ( at this point, Im not even sure who is who, they all claim to be a manager ) who tells me he will not review the call with XXXX and it doesnt matter how I was spoken to and if the FDCPA was violated because I owe a debt. 

I have worked for a collection agency since XXXX and I am very well aware that this is not how a third party collector is supposed to handle someones acct and personal information. 

They sent the initial NOD to an old address. Not once have I received one at my address. Again I found out about this bc they placed on my credit report outside of the reporting regulations. 

I need help to get this taken care of. I do not deserve to be spoken to trash. I do not deserve to have my credit hit without being given the opportunity to resolve it. Now I cant even get anywhere with the company to resolve this. This is unfair practices.

Company response to consumer: Closed with non-monetary relief