vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have had a checking account with Capital One for several years. I have used their XXXX XXXX service without an issue until this past XXXX and XXXX. 

This past XXXX I noticed that my gas bill had not been credited for the XXXX and XXXX payments ( {$110.00} and & XXXX ) although Capital One had debited my account. 

I called Capital One to find out what had happened to the gas company payments. They had assured me the payments were made electronically. 

I then called the Department of Public Utilities ( DPU ) who claims they have never received electronic payments from Capital One or their processor XXXX. They received paper checks and if I can provide the front and back of those checks the issue would be resolved. 

Capital One continues to send a report but no copies of the check. 

I need someone to help me get to the bottom of this. I feel that I had contacted with Capital One to make these payments and PROVE THEY WHERE RECEIVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I applied for the save program on XX/XX/ 2023. 

The federal aid portal said that my servicer does not receive electronic applications and that I had to print and mail my application to them. I did and did not receive any information. 

On XX/XX/XXXX I called nd asked about the status of my application, they said that they received my application o n XX/XX/XXXX but that it will take at least 60 days to process the application but that have no way of telling me how long my application will take or where it is in the process. Meanwhile the loans are accruing interest. And they say that can't give me and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
I am writing to report an issue with my mortgage loan, initially taken out with Lennar Mortgage LLC. The agreed-upon payment was {$1700.00}. However, after the loan was transferred to two other companies, now serviced by XXXX, my monthly payment has escalated to {$2300.00}. This increase was first attributed to insurance, which I was not informed about, and now to taxes, despite my payments into an escrow account. 

I have attempted to resolve this with XXXX, including notifying them of a year-long absence due to XXXX XXXX XXXX XXXX, but have received no response. Additionally, I was never notified of any impending changes to my payment. The lack of response and transparency is concerning, and I seek your guidance on how to address this issue.

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 2023-11-28 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDXXXX XXXX {$120000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$1100.00} XX/XX/XXXX XXXX  XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX {$160.00} XX/XX/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 2023-11-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I Have 3 AMEX ( American Express ) prepaid gift cards I have attempted to use in multiple locations ( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ). All show active balances on Amex 's website, Amex advertises these cards as " widely accepted '', and all are consistently rejected when I attempt to make any purchase in any location. 

This widely tracks with online experiences of many others who have run into the same problems with their AMEX gift cards becoming largely useless, and I sincerely hope that beyond addressing this specific issue the CFPB is considering a more systemic investigation into AMEX 's business practices regarding these cards. 

I've attached screenshots of the balances of these three cards ( including expiration dated ), and the card numbers are below : {$50.00} - XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have been trying to have a collections account in the amount of {$410.00} awarded to my ex-spouse in our divorce removed from my account for over a year now. ( First removal process was XX/XX/2023 ) Transworld Systems on the behalf of XXXX XXXX XXXX utility company ) has done everything they can to avoid removing the collections account, even after I have submitted the divorce decree to them for review multiple times. The debt is not my responsibility and my credit score continues to suffer due to the questionable practices at Transworld Systems. They actively refuse to provide any information about my collections account removal process, refuse to provide a deletion letter, and repeatedly ignore my phone calls or hang up on me. I have spent hours on hold trying to have this issue resolved over the past year and yet they refuse. Collections practices like this are not only immoral, but also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/2023, I submitted a request to Chase Auto to investigate the accuracy of information being reported to XXXX, XXXX and XXXX XXXX Credit Reporting agencies. Chase replied with the attached letter dated XX/XX/2023, informing me the information was being reported accurately. I have illustrated these errors in the resolution to issue section below. No actions were taken to correct the obvious errors in the most recent XXXX credit reports that I have also attached. Chase has failed at performance when it comes to this consumer loan failing to properly investigate on multiple occasions in accordance with Federal Regulations. This was a Joint acconnt and the XXXX Reports are inconsistent with XXXX and XXXX Please review the attached documentation and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to 15 USC 1681c-2 please block and remove all information resulting from Identity Theft. I have recently checked my credit report and have noticed some accounts that do not belong to me. Please block and remove all information resulting from Identity Theft. 

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 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 explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I purchased a XXXX  XXXX for {$13000.00} put {$4000.00} down in a car with trade-in value of {$2000.00} completing the total of {$6000.00} under the CFPB down payments are legal does violating my rights as a consumer through capital one financing I did not receive my {$13000.00} cash in hand or deposit into my bank account for this transaction they refuse to give me any information my down payment back or my title. they also did not give full disclosure for the sum of all charges which shouldve been included. Ive sent a cease-and-desist letter I also revoke my signature from the contract and ask for validation of debt also sent an affidavit of truth. Still no response to rectify the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights,

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report.

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
Loan transferred to a other subsidiary of Mortgage company. I found it suspicious/odd. The new servicer stopped or never started sending me statements. I contacted them several times ( via phone ). After several attempts, I received one copy of a statement that had thousands of dollars of fees. I immediately contacted them again. They would not/ count not provide information. Then I wrote them a letter Error/Information Request. I received a one page response indicating " we are working to gather the requested information and will forward it to you as soon as possible ''. Over 30 days have passed and no further information. It's now XXXX  months since loan transferred and no monthly statement has been sent/received. I've continued to make payments. They are clearing my account. I do not know if/how they are being applied and I do not know if the escrow account is paying my property taxes. Most importantly I do not know/understand what these thousands of dollars of fees are. I have checked my credit and thus far this shady situation is not affecting reporting negatively.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Zion Debt Holdings is attempting to collect on a fraudulent account that they purchased from XXXX alarm systems. This account was open unauthorized back in XXXX, XXXX removed it from my report but has now sold the collection as viable. 

This is fraud, I did not ask for it. I have asked that they provide the original agreement and are refusing to supply it because they know it's fraud. The outstanding amount owed is : {$3400.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2023, I submitted a request to XXXX XXXX to investigate the accuracy of information being reported to XXXX, XXXX and Trans Union XXXX XXXX XXXX. XXXX replied with the attached letter dated XX/XX/2023, informing me the information was being reported accurately. I have illustrated these errors in the resolution to issue section below. No actions were taken to correct the obvious errors in the most recent XXXX credit reports that I have also attached. XXXX has failed at performance when it comes to this consumer loan failing to properly investigate on multiple occasions in accordance with Federal Regulations. This was a Joint acconnt and the XXXX Reports are inconsistent with XXXX and XXXX Please review the attached documentation and investigate.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2023, I submitted a request to XXXX XXXX to investigate the accuracy of information being reported to XXXX, Equifax and XXXX XXXX XXXX Reporting agencies. XXXX replied with the attached letter dated XX/XX/2023, informing me the information was being reported accurately. I have illustrated these errors in the resolution to issue section below. No actions were taken to correct the obvious errors in the most recent XXXX credit reports that I have also attached. XXXX has failed at performance when it comes to this consumer loan failing to properly investigate on multiple occasions in accordance with Federal Regulations. This was a Joint acconnt and the Equifax Reports are inconsistent with XXXX and XXXX Please review the attached documentation and investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
on XX/XX/2023 I received a call from Pay pal asking me to pay a balance on my checking account because it was over drawn by for {$570.00}. after continuing the conversation with the representative he explained that their were requests for charge backs from some people who had sent me money using pay pal services. i explained to pay pal that all transactions were completed in person and not through pay pal. but pay pal was used to send me the money. i also explained that who ever requested the charge backs was trying to scam me out of money. i asked pay pal was any proof of wrong doings on my behalf sent to them, they said no so i asked why was money taken from my account, i was not given any direct answer to that question. i asked why was i not called immediately once some one put in a claim against me, i again was giving no direct answer to that question, so pay pal has basically took money from my account and given it to scammers and is now trying to stick me with the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Last summer in XXXX ( I dont have the exact day ) I made a payment of roughly {$800.00} to Navy Federal for my credit card which was intended to bring the card current after being behind on payments. The money was available in my account and the payment was confirmed, then it was returned back to my Navy federal checking account. Because the payment was sent back, it did not register my account as current anymore. In the subsequent months, the card continued to accrue late months and the card was closed. I was unaware of the card closure until XXXX  when I checked my credit report. I stopped making payments again because I didnt know what to do when a card is closed. I was under the assumption that I could no longer make payments on the card. Ive called numerous times about having the card reinstated as it was an error that led to the closure. Ive also asked if at the very least, navy would remove the late payments, but Im always advised that navy does not do this although Ive seen them do it for others. Im currently under some type of repayment assistance and paying down the balance, but because the card was closed, I can not use it. Theyve also reported the cards {$10000.00} limit to the credit bureau so it is registering as I have XXXX available credit for this XXXX card but over XXXX in debt so my utilization has increased to 900 % and my score has taken a XXXX point hit. Ive sent a certified letter to them in regards to the late payments at the very least & requested for my card to be reinstated numerous times over the past year since the late payments are due to some sort of system generated error after payment processing. I am 100 % sure the funds to make the payment were available in the account and the reason for closure was the late payment that eventually led to the account being past due XXXX days. Ive inquired about reinstatement numerous times but Im always told Navy doesnt reinstate cards unless it was their error. This is an instance where it was their error. Either way, I have to pay the balance down, but with late fees, interest and the original principle usage, it will take time to pay it down. My credit score is in shambles because of what the closure did to my utilization. Navy has been an amazing bank to me and I want to mend this but this credit card mix up has taken quite the toll on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
Equifax has provided numerous investigation results based on my disputes. These results agree with me that these items should be removed. They have not been removed to this date. 

XXXX inquiries and XXXX XXXX inquiry. 

I did put a fraud alert with all credit agencies. please have them remove these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with non-monetary relief