vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This issue came to my attention in XXXX of this year. 
I had a credit card account with XXXX XXXX  through BJs. The credit card offered balance transfers that were useful to me. 
I took 2 balance transfers through XXXX XXXX. Please see the attachment titled 4_22 statement. This shows the 2 plans that I had in place. I was making $ 100 monthly payments that were being applied on a 60/40 split between the 2 plans. 

The first plan had a balance of {$3600.00}. On XX/XX/XXXX the plan expired and the interest increased from 0 % to 19.9 % interest. 

I made a payment of {$3700.00} on XX/XX/XXXX in addition to my regular payment of {$100.00}. Please note that on XX/XX/XXXX the plan with the balance of {$3600.00} had an interest reate of 19.9 %. 
I sent in enough to pay that balance off. ( {$3800.00} ) The payment was incorrectly applied to the balance transfer that I had just taken out XX/XX/XXXX. That plan had an expiry date of XX/XX/XXXX. 

The allocation of this payment does not make any sense. The higher interest portion of the account received less than 1 % of the money that I sent in. The 0 % interest portion of my account received {$3700.00} ( >99 % of the payment ). 
The first response that I received from XXXX did not address the XX/XX/XXXX payment but did state how payments are applied. 

They stated that higher interest balances are paid first. ( see screenshot XXXX ) This was not done with my payment of XX/XX/XXXX. That payment should have eliminated the high interest balance of {$3600.00}. ( Now at 19.99 % ) I did not notice this error until XXXX when I made a lump sum payment and discovered that I was being charged interest due to a bank error. I was charged over {$390.00} due to a bank error. 
I phoned BJs XXXX  and was told that I would need to write a letter. I did that. 
The response was surprising. ( screenshot XXXX ) Whoever sent the reply did not address my concern at all. It was a very condescending customer service communication. 
I wrote again, with more detail and screenshots. I received a brief message saying that the issue would be researched. 
Nothing was done and the account was transferred to Capital One. I had several lengthy phone calls with Capital One and it looked like the issue was going to be resolved. Last night ( XX/XX/XXXX at about XXXX XXXX  ) I received a phone call from XXXX at Capital One who basically told me that it was a XXXX XXXX  issue and not Capital One 's. There was nothing that they ( Capital One ) would or could do for me. 
It is true that it is a XXXX XXXX  error, however XXXX will not help as the account has been transferred to Capital One. 
This has been going back and forth for months. I am asking if you can resolve this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: DISCOVER BANK
State: TX

Complaint narrative:
A credit card was fraudulently applied for in my name as a minor and has negatively affected my credit please have that item removed from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX : I have absolutely no knowledge of this account. It suddenly appeared on my credit file. There isn't even an ACCOUNT NUMBER shown because I don't believe they have one. Per FCRA I have a right to a 100 % accurate credit file and this account is not mine. I need the original creditor with address and phone number. I need the account number. I need the original contract. And I need the authorization they have to collect this debt. I need all this so I can research what the heck this is. If they cant supply me with this data they must remove this account from my TRANSUNION credit file which is the ONLY bureau where it shows.

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 2023-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sezzle Inc.
State: MS

Complaint narrative:
A chargeback with my credit card was resolved in my favor for merchandise not received. The payments were made through sezzle who is trying to show the payments as overdue ( late ) payments rather than disputed and refunded. They are trying to say I owe this amount back when I was successfully credited back through my credit card for merchandise not received. The order took place in XX/XX/XXXX with merchandise that was supposed to be received in XXXX of XXXX chargebacks were filed in XXXX of XXXX. They said they didn't have information from my bank showing it was closed in my favor and asked to provide that. I did so and are still say it could take months to remove the owed late payment notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: MA

Complaint narrative:
In XX/XX/XXXX, I closed my XXXX Account, after paying what I believed was my last bill. There was another bill that was issued by XXXX and mailed out, but I never recieved it. This was verified by the postal office and XXXX that the mail was rejected, thus confirming I had no way to receive the bill. XXXX closed my online address so I could not view the bill for that account online and had no way to access this information. 


Despite regularly doing soft checks on my credit score, and having a score of XXXX on XXXX and XXXX, I was shocked to see my FICO credit score was XXXX with a severe delinquency status due to the bill at XXXX. On XX/XX/XXXX, I got access to this new information and immediately paid off my bill. XXXX has written off and closed my outstanding bill since then, but they refuse to remove my delinquency status from the credit bureau 's despite confirming that I had no way to access my final bill. This is unethical and immoral, as I have perfect credit history with my bank, to the extent that they have tripled my original credit line. I also have perfect bill history with XXXX on multiple addresses over the course of numerous years. This issue should be resolved as I have immediately paid off my bill, and have been in good standing in every aspect of my credit beyond 1 bill that was never delivered to 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 2023-04-12 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. State 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 wriiten 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 non-monetary relief
Consumer complaint received 2023-04-12 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL,

THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
Currently 2 months behind on my morgaga and I'm only working 3 days a week

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 2023-04-12 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: PA

Complaint narrative:
I have disputed this account ( XXXX XXXX ) multiple times & Experian has violation my rights. As seen in the pictures this account was reporting Derogatory/Chargeoff. After disputing inaccurate information not only have they changed the status to open but they are also reporting that its current. Even the payment history has been updated which is inaccurate as well! No documentation has been sent to me from Experian or XXXX proving that this account is mine. This is illegal!

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 2023-04-12 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: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I have attempted to disput e an issue with Santander USA. I have sent a letter of validation with cease and desist to them back in XXXX and disputing with each of the credit companies. FIRST AND FOREMOST SANTANDER DID NOT PROVIDE ME THE INFORMATION THEY ARE REQUIRED TO DO SO BY LAW. The only provided me a print off of a statement and no contract or any other details as they are required to do Pursuant to Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, 13-2026, 2014 WL 3440174 ( 6th Cir. July 16, 2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. Do you have the right person? Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt amount to you and that dispute should be stated on my credit report. 
Instead what they did was look at my credit report, updated with different information that they have not been clear about, did not put a statement on my credit report as requested and never sent me the contract the original contract for the loan. I have been requesting this for 3 years. The credit reporting companies also did not follow for a credit reporting. This is my last opportunity that I am giving them before I file a lawsuit. I will force them into arbitration as well all of them if necessary. I want the original contract I want the laws followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account " XXXX. XXXX, XXXX " has violate 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 : also states a consumer reporting agency can not furnish a account without my written instructions This inaccurate reporting continues to plague myself and so many others, please rectify these on going issues.

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 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In late XXXX someone fraudulently opened a checking account in my name at Capital One Bank. I contacted them immediately to let them know it was fraud and they assured me it was closed. 
A couple of weeks later, I received a debit card on the account. I cut it up, called them again and once again was assured the account was closed. 
Now today ( XXXX ), I received a bank statement on the account. I contacted them again and had to leave a voice mail with what I think is the same department I have spoken to twice before. 

I am not sure what I have to do to get this account closed and off of their records so I decided to file this complaint to see if you can help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Selene Finance and I have disagreed over the fact that I had a COVID19 extension. They have hidden the fact that that offered and issued a COVID19 extension as they are now stating that an extension never existed. 
They have not accepted my payments on the mortgage and have began a final judgement process. 
The judgement began on XX/XX/2021 and is in currently in progress. 
Presently they they are seeking final judgement in court leading to foreclosure. 
I am seeking the assistance of the CFPB to intercede in stopping this legal action of final judgement based upon Selene 's false information and unethical practices Finally, I will provide additional documentation to support my compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This account was sold to the collection agency that I had no contract with. It violates the state of Texas Civil practice and remedies code. section 16.004 and section 392.307

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I had residence in apt complex XXXX XXXX located in XXXX XXXX FL. My lease ended XX/XX/XXXX. New residence wasn't available til XX/XX/XXXX. Asked XXXX XXXX if we could be prorated for 2 weeks and was informed that full month would have to be paid which was done and paid via their web portal. Place was cleaned out and keys turned in before end of XXXX Now it's being stated that move out date was in XXXX and trying to charge for approximately 3-4 days which is incorrect. Now account is negatively on credit report even after showing proof of payment. Collection agency keep trying to say they are waiting on response from their client but dispute was placed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: GA

Complaint narrative:
Identity Theft Report Attached The following accounts and inquiries are fraudulent and the creditor agreed to remove it from my equifax credit report Fraudulent collection account Equifax XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Fraudulent Equifax inquiries XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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:
I recently obtained a copy of my credit report and found XXXX XXXX XXXX is reporting on my credit report inaccurately. According to 42 US Code 1320d-6 WRONGFUL disclosure of individually identifiable health information, this is a VIOLATION OF CONSUMER RIGHTS! 

This must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I called this company to have these inquiries removed. I do not recognize these inquiries and I do not consent to having this false information shared on my personal credit profile. Please remove immediately as this hurts my credit reputation and livelihood. 

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

Date : Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need these inquiries removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I called this company to have these inquiries removed. I do not recognize these inquiries and I do not consent to having this false information shared on my personal credit profile. Please remove immediately as this hurts my credit reputation and livelihood. 

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

Date : Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need these inquiries removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am once again submitting this on MY OWN BEHALF. This is XXXX XXXX. I will attach proof of identity in the space below. CFPB IGNORED my last complaint, numbered XXXX. I am not sure if they are working with the Capital One or not but in the interest of saving us all time, i will copy paste and hopefully your job will be done this time in at least pasing the message along. 

mailed Capital One directly and asked for forgiveness due to hardship due to the COVID-19 virus. They responded and told me that they could not do that. I thank them for responding to me, but i also know they are lying. Not only has other companies been able to work with me through this, but I know people that Capital One in particualr has worked with during these issues. I do not know why they wont show me mercy. In XXXX of 2021, I tested positive for the COVID-19 virus and it almost killed me. I have pre-existing conditions that made having this virus almost impossible for me to do ANYTHING, much less leave the house. I was out of work for almost XXXX weeks. I fell behind on a few bills. I got help where I could but I did not know my options. I recovered fully, thank XXXX, but not without some damage. I caught up and paid Capital One as quickly as I could and I have NEVER been late again, nor will I be. I understand you guys have processes that you follow, but compassion can never be overstated. Just this XXXX late payment due to COVID-19 is all i am asking. I do not want any late fees back or anything like that, just this XXXX negative remark on my credit report and i know they can help me and i do not understand why they STILL want me to suffer even though i have paid them, never been late ANY OTHER MONTH since that XXXX. It is just arbitrarily unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: OK

Complaint narrative:
XXXX  do not have any contracts with this company. They have stolen my identity. 

Please provide a contract, novation agreement between me and this third party debt collector company, or any contract with this third party debt buyer. 

Please provide your w9 tax information, this is a taxable event and your EIN is required for my accountant to report this to the IRS. 

Please provide full disclosure of the name of who created this account on our behalf of us without permission. 

Please provide full disclosure of the fiduciary capacity You are causing undue stress to us, by this breach of my privacy under FDCPA, FCRA.

Company response to consumer: Closed with explanation