vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX and XXXX I requested an increase to my line of credit with Capital One. Both times I was denied for : * There is legal action pending against the applicant Both times I contacted Capital One asking where this information was obtained from. Both times I was told they can not provide me with this information. 

I've checked all three credit bureaus and nothing shows there. I've contacted all of the court systems in my area and found no pending cases and no judgements of any kind. 

I told Capital One this information and they still maintained they could not tell me where the information came from. 

It is my understanding that a creditor can not deny you and not provide the source of the information used to make that decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I submitted a complaint on this company a few days ago and sent them a certified letter in the mail detailing my dispute. They responded back to my dispute stating that they already sent over information and would not be sending anything to validate this at this time. I never received anything. I requested documentation as outlined in my previous complaint but it was never sent. They have not provided a Certified mail return receipt where they would have mailed these documents. I never received this contract. According to the law? They have to provide me with this information which they have not provided and are refusing to provide as stated in their previous response. I ask that this be removed from my credit report immediately. I am already seeking legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have been a Care Credit Customer for over 2 years now. I opened my XXXX statement and the charged me {$1400.00} for interest! I called them and they said a " promotional period has ended ''. I was still being charged interest before this " promotion '' just ended. They said they can take the interest off if I make a {$1400.00} payment in 10 days. So technically they are not taking the interest off. I have been using this card and paying the payment on time for 2 years. So apparently, they did not allocate the payments properly for the 2 years. This charge put me at the over the limit amount. So now I will have to pay a penalty on top of that. Very shady way of doing business.

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 2022-12-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$780.00} written off. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$36.00} writte FCRA violations : payments never late DEPT OF EDUCATION/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4700.00} Status Open. 
DEPT OF EDUCATIONXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6500.00} Status Open. 

FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX 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 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I would like to make a complaint regarding my dispute with Citibank. 

I have had their credit cards for 20 years without any issue and last year I also had a checking account with them with no issue but I closed it to go with a different bank for their better term. I never violated any terms, paid my cards always in full and on time. 

On XX/XX/XXXX, I opened a checking and savings account through my online access. They then debited XXXX from my other bank account for deposit to the new account. The next day, I received an email saying the accounts have been closed, I could not even access my online account. I called them several times and the rep could not see that there was money in the account and finally I talked to the executive response unit and I had to send her a screenshot of my other bank account to prove that they debited the money from me. Originally, they also said that they are going to mail that money via check to me within 31-60 days without any tracking information, now that I pressed for the fact that they're being totally unfair and irresponsible, they provided me with a letter saying that it will be mailed within 7-10 business days ( today is already the 17th days from they closed the account ) and may provide me with tracking number when they do. This is totally wrong because first of all, I know for sure that I did not violate any terms and they did not want to provide me with reason at all. To let someone opened an account where they need to do due diligence before approving then closing the accounts the next day, not being responsible with the money is a breach of warranty and duty. It has been stressful to say the least and now that I do not have access to online account, and for the fact that I have been transacting paperless for many years, how am I supposed to pay my credit cards bill with them. Their reps are very unprofessional, dealing with them is very difficult. I think the fact that Citi is trying so hard to lure consumers by offering bonus and high yields is the heart of this problem.

Thank you for your attention to the matter.

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 monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
My XXXX payment was paid by my bank 's on line bill pay system. The mortgagor misapplied my payment to another account. The mortgagor says they never received it. I sent a copy of the front and back of the check proving payment. They are investigating. In the meatime, I've paid all subsequent mortgage payments. They reported that I'm past due when that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
On my behalf, on XX/XX/2022, XXXX XXXX ( " XXXX  '' ) mailed to Axos Bank ( " Axos '' ) a transfer request my retirement account from Axos to XXXX. A XXXX representative, XXXX XXXX, contacted to Axos by phone on XX/XX/2022. The Axos representative refused to provide XXXX XXXX any information during the call. I sent a secure message to Axos regarding this issue on XX/XX/2022 and I have not received a response, let alone a helpful status update from Axos.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: MI

Complaint narrative:
Here is the problem I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate.I pulled my credit report from XXXX XXXX  On XXXX I mailed a certified letter to all 3 credit bureaus, Equifax, XXXX and XXXX. 30 days after they received that letters they did not update or delete the accounts. On XXXX I sent another certified letter to all 3 bureaus again asking them to do another reinvestigation on the same accounts and again the accounts were not updated or deleted. 

Here is a copy of the original letter I sent out on XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Michigan XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX, Equifax and XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX # XXXX XXXX ) Date of Last activity : XXXX reported date XXXX, XXXX reports date XXXX and Equifax reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX # XXXX XXXX ) Date of Last Activity : XXXX reports XXXX, XXXX reported XXXX and Equifax reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX # XXXX XXXX ) Date Of Last Activity : XXXX reports XXXX, XXXX reports XXXX Please update or Delete this inaccurate information off my credit report. 

I attached a Copy of my credit report and highlighted to errors as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 




Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: MI

Complaint narrative:
Here is the problem I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate.I pulled my credit report from XXXX XXXX  On XXXX I mailed a certified letter to all 3 credit bureaus, XXXX, XXXX and Experian. 30 days after they received that letters they did not update or delete the accounts. On XXXX I sent another certified letter to all 3 bureaus again asking them to do another reinvestigation on the same accounts and again the accounts were not updated or deleted. 

Here is a copy of the original letter I sent out on XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Michigan XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian, XXXX and XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX  # XXXX XXXX ) Date of Last activity : XXXX reported date XXXX, Experian reports date XXXX and XXXX reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX # XXXX XXXX ) Date of Last Activity : XXXX reports XXXX, Experian reported XXXX and XXXX reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX # XXXX XXXX ) Date Of Last Activity : XXXX reports XXXX, Experian reports XXXX Please update or Delete this inaccurate information off my credit report. 

I attached a Copy of my credit report and highlighted to errors as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 




Sincerely yours, 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 2022-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
letter dated XX/XX/XXXX from RESURGENT CAPITAL SERVICES stating that I owe them a debt for {$570.00}. The Original Creditor was XXXX XXXX, who previously charged off the alleged debt. I have no contract with RESURGENT CAPITAL SERVICES nor LVNV Funding LLC. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I donot owe them anything I donot know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating about me to 3rd party without my consent, which is in violation of 15 USC 1692c ( b ). They are offering 40 % off the alleged debt along with their symbol which is a violation of 15 USC 1692b ( 5 ). They are threatening me with harmful action towards well-being via credit report which is a violation of 15 USC 1692d ( 1 ). By them even communicating with credit agencies is a violation of my privacy per the Privacy Act of 1974. Let this be notice that I previously filed a complaint for a received letter dated XX/XX/XXXX from XXXX XXXX XXXX. stating that I owe that same {$570.00}. The Original Creditor was also XXXX XXXX, who previously charged off the alleged debt. So they are shifting the debt to another shell company. This has to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX ( aka : XXXX XXXX XXXX ) filed a lawsuit on XX/XX/XXXX against me after the Statute of Limitations has expired for an unproven judgment entered on XX/XX/XXXX through the law firm Rubin & Rothman , LLC. The amount listed of on XX/XX/XXXX judgment was for {$4800.00} of which {$6000.00} was due plus interest from XX/XX/XXXX. On XX/XX/XXXX Rubin & Rothman , LLC froze my retirement account for {$12000.00}. I filed for a show cause with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX and was grant a hearing on XX/XX/XXXX, which I attended without a lawyer because I could not afford one. Yet I was looking forward to the opportunity for my voice to be heard. But the Honorable Judge XXXX XXXX XXXX only had me to fill out a return envelope for his judgment. As a XXXX XXXX XXXX senior citizen, I strongly believe that my civil rights, and well as the written law that states that in the State of the New York that the Statute of Limitation of debt is three years, have been violated.

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 2022-12-05 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: CA

Complaint narrative:
4 months on end I have attempted to get these three credit bureaus to erase inquiries from XXXX XXXX that I never initiated. They have turned the Blind Eye to both an FTC report and a cfpb complaint. I was a victim of the Equifax in XXXX and have struggled ever since and repairing what is an ongoing spiral of my credit history and I would appreciate it if this XXXX XXXX paid attention to the fcra and the rules of government. Most importantly 640b in regards to identity theft in the rules surrounding those incidences. Please remove the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: VI

Complaint narrative:
This company nationwide didn't provided the request information. I dispute this debt for the full balance. This company didn't send me a letter at all. This is false statements. Upload all the documents in this portal. I hope your company know this is a identity theft account from the XXXX XXXX XXXX This company is in violation with the FCRA. This company not license in the XXXX XXXX. 


The company didn't provided the request information : Signature of the debt, amount, when it was open and closed, the age on the account and charge off date and are you authorized to report to Credit Reporting Agencies. I would like copies of the last statement and all requested information you forgot to provided. I would like copies on everything on the account per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
2017 My first lease with XXXX XXXX I received 3 tax amounts from city of XXXX XXXX. XXXX paid 2 of the amounts and had me repay them for the town taxes. I never received credit for any of those payments at tax time. I continued my next lease with them as I understood their processes to pay them tax back when able. 
They must have changed the process and did not notify people. I am now told that my payments made on time are not on time as my money was applied to town taxes. I explained to them that even town taxes don't work that way and if you don't pay you will deal with the XXXX yourself. I am not sure why they are stressing out consumers with the on going pandemic, recession and life? I promise I will not go back to them next lease!! I was informed that if I don't pay the tax part because that is the part they are looking for that I will be in default of my lease loan? I have 15 days to do this in. 

I feel taken advantage of, oh and my car payments are {$420.00} monthly and I make XXXX an hour. XXXX XXXX  and divorced!

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 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: VA

Complaint narrative:
G C services has placed XXXX collection back on my credit after it was disputed and removed in 2021 as is Account is not in my name and doesnt belongs to me. Im in the process of home buying and this is not a good look on my report. My names is XXXX XXXX and this account is not mines please have it removed. my score dropped tremendously from this collection that doesnt belongs to me. Please verify info on the account as its doesnt match mines Ive contacted and dispute collections with all 3 bureaus and the collection agency however its still reporting.

Company response to consumer: Closed with non-monetary relief