vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Made multiple attempts to resolve delivery issues with XXXX. I spent at least 6 hours on the phone with reps and supervisors. Each one would give a different scenario, or put me on hold and never return, or gave incorrect information, or made statements that were not truthful or inaccurate and just simply lacked common sense. The customer service is beyond horrendous. After hours on the phone and speaking to reps and supervisors, it was still not resolved and became more and more conflicting with each conversation. So while on the phone with the last supervisor on XX/XX/2021 I demanded to immediately cancel my account. After 13 years as a customer I want nothing more to do with XXXX. She confirmed cancellation. I then received the attached email. The email is a lie ; dishonest; erroneous and made up. This is unprofessional and substandard administration. I contacted Capitol One to ensure that correct and accurate information is placed on my credit report to reflect that my account was CANCELLED BASED ON MY REQUEST. Capitol One informed me that they are the financial side of XXXX and is responsible for reporting to the credit agencies but could only place on my report what XXXX told them. They could not change, alter or edit any information. This is to demand that XXXX, XXXX and Capital One place truthful and accurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: CA

Complaint narrative:
I CAME ACROSS SOME RECENT INQUIRES THAT WERE NOT AUTHORIZED BY ME AND NEED REMOVED FROM MY CREDIT REPORT

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 2021-09-27 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: CA

Complaint narrative:
I CAME ACROSS SOME RECENT INQUIRES THAT WERE NOT AUTHORIZED BY ME AND NEED REMOVED FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: SC

Complaint narrative:
I have disputed a collection on my credit report with Monterey Collection Service, and not once have they shown me any correct documentation of this debt. Not is the collection still in place, but it continues to increase every few days. I have not been notified via phone call nor email from the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 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: CA

Complaint narrative:
There is a collection account with XXXX XXXX XXXX account # XXXX on my credit report that is invalid and I have filed a complaint against the debt collector for continuing to report an invalid account to my credit reports. XXXX has removed the collection, however XXXX and Equifax still show the accounts without regards to the accuracy. The debt collector has had 15 days to investigate my dispute, and they have asked for an additional 60 days to look into the dispute. Therefore, I demand that XXXX and Equifax remove this collection account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I obtained this loan in a tight spot due to a family emergency. Never did I imagine this con artists would still be trying to rip me off after paying over {$15000.00} on a borrowed loan of {$3100.00}!! I put an immediate cease and desist on them because after setting up arrangements on my payday every month of the XXXX, they continued to harass me via email, which I NEVER gave them authorization to do so but only for receipt of payment, as well as ridiculous calls to my cell and work. My attorneys, who I worked for grew concerned and asked if I needed assistance, but I wanted to take care of it myself. I replied to their emails in an angry and unprofessional way but they stopped contacting my cell. Recently in XXXX and XXXX, they left voicemails again and apparently tried my work again. I took screenshots and have attached the ones they left messages on. They also illegally took money from my account when I informed them of this. I spoke to a manager who acknowledged they got the notice but they did nothing. My bank finally refunded me all the fees and monies while I was furloughed in XX/XX/2020. They are negatively impacting my credit and refuse to satisfy this debt after paying over {$15000.00} on a loan of {$3100.00}. They need to be criminally investigated and I am seriously looking into a legal class action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Since our initial complaint # XXXX has not been resolved by Tiaa, we are making a second complaint. Tiaa will not remove their forced insurance and saying that we are seven months in delinguency. Our insurance, XXXX and we have sent Tiaa our policy and renewal several times and at Tiaa 's request XXXX and we have sent the complete payment schedule to Tiaa. With no response, we called after a week and they said they were working on it. Since, XXXX  of this yea, r this has always been their response and this working on it, is their code word- we have trashed it. At Tiaa 's request the U.S. District Judge of the XXXX District of Georgia 's bankruptcy court ordered us to make a monthly payment to Tiaa. In XXXX, XXXX and XXXX of this year, Tiaa ordered us not to make this payment along with our morrgage payment - going against the U.S. Judge 's order. Around XXXX XX/XX/15 we received a statement from Tiaa stating that we were delinquent and behind 7 months and that our next payment has to include an insurance mayment. Tiaa will probably block our XXXX payment. We ask that Tiaa remove this illegal, illicity forced insurance, not in a month, or several month, but at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: ID

Complaint narrative:
In XXXX of XXXX I had a no fault head-on collision which generated medical bills and was unable to work for more than a year. According to my counsel the resulting bankruptcy should not be held over seven years. Experian is not removing the bankruptcy or noting that I paid my debts included in the bankruptcy through reaffirmation. This is not to be held over seven years according to my counsel as it is a medical bankruptcy resulting from a no fault collision and is being held for 10 years, not seven. It should be removed immediately as it is timed out, I have challenged and been refused by Experian. Recently I have experienced bank fraud and need to repair the credit reporting to move forward.

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 2021-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: NY

Complaint narrative:
Loan funds for payoff were sent in XX/XX/2021 to pay in full. Lender emailed saying they needed more information to apply funds received. Additional confirming information was provided. Multiple attempts and phone calls were made. The company confirmed the payoff funds were received by their treasury team. The loan was refinanced with funds from another bank.. After confirming through providing the check document which was cashed, the company refused to apply the funds as requested for the payoff amount. They instead cut a new check and returned it to the sender, the other bank. No attempts were made to contact me to follow up on the issue and the company refused to put any confirmation in email or writing. I am still trying to track down the check, which they say has been sent. This process has taken over two months and has been a nightmare, causing great hardship to my family.

LendingClub refuses to acknowledge receipt of funds. LendingClub is trying to avoid paying off my loan, so they can charge additional fees and interest. LendingClub refuses to follow up on any issue. This behavior is unacceptable from a regulated financing institution. Clearly the management and administration of funds and payments is haphazard and overly automated. This issue poses an operational risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX and not a credit repair company -Bankruptcy chapter XXXX XXXX U.S. Bankruptcy Court XX/XX/XXXX -Bankruptcy chapter XXXX XXXX us bankruptcy court XX/XX/XXXX, I have asked more than 3x for a response as to how this information was verified and whom did they speak to? I have submitted proof from the Us Babkruptcy court stating they do not furnish bankruptcy, judgments or liens to the credit bureaus. The FCRA states " I have the right to a complete and accurate credit report, and any errors must be deleted.

I have exhausted my options with no result. 

-Original creditor XXXX XX/XX/XXXX {$170.00}, The fcra states I have the right to a accurate and complete credit report. This account on my credit report is inaccurate and has incomplete information as to whom the creditor is, which makes this account inaccurate. I have demanded that this account be removed from my credit report because it has caused unwanted derogatory marks, causing my creditor score to be lower. 

-XXXX  XXXX XXXX XXXX XX/XX/XXXX This account has reported inaccuracies and i demanded it be deleted. The open dates has XX/XX/XXXX transunion, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX which shows different opening dates which are inaccurate, Transunion reports no data for the history of payments, XXXX reports the account being charged off, XXXX reports the account as OK. There can not be 3 different reports for the same account. The reporting data has must to match to be accurate. Thus making this account inaccurate and I demand that this be deleted. 

XXXX XXXX  XXXX XX/XX/XXXX this account is reporting inaccurate date to my credit report and causing derogatory marks, which in turn is lowering my credit score. 
You are report my account as charged off. Transunion is reporting this account with no data. XXXX is reporting as charged- off and XXXX  is reporting as OK. All 3 credit bureaus must rert accurate data. Transunion, XXXX and XXXX can not report different payment data. It has to match. The date of last activity is different from transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. The correct opening date can not be determined because it does not match, therefore this is inaccurate. I demand that it be removed from my credit report.

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 2021-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/2021, I requested from Capital One for a credit line increase from one of my credit cards, and it was denied. Two of the reasons given were incorrect, and the credit score was from XX/XX/2021. 

On XX/XX/2021, I called the 800 number on the back of my CC and went into the branch on XXXX XXXX, XXXX, VA. Both said I was denied, so what is my problem? And there is no one I can talk to. 

I explained that it's not about being denied, but the bank used the score from XX/XX/2021, instead of XX/XX/2021. I want to make sure that if I were to apply for credit in the future, the bank or any bank would have the correct data. 

In addition, I mentioned that I paid off a lot of my CC and monitored my credit monthly, and I'm confident this way of doing business is incorrect. 

Both on the phone and at the branch, the operator told me to call XXXX claimed that they provided Capital One with incorrect information. My response is untrue, as I monitor my credit monthly, and both XXXX and XXXX have the correct information. 

My last attempt was to call XXXX and asked for help as I'm not getting any results from Capital One. XXXX told me to reach out to you, as it's why I'm writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
As the consumer I sent out a certified mail letter to Portfolio Recovery Associates. The certified letter was a cease and desist order to cease all communication in connection with debt collection. The FDCPA has defined exactly what " COMMUNICATION '' means within the law. The FCRA has defined exactly what " PERSON '' means within the law. 

Here is how the FDCPA defines COMMUNICATION, " the term " COMMUNICATION '' means the conveying of information regarding a debt DIRECTLY or INDIRECTLY to any person through any medium ''. 

Here is how the FCRA defines PERSON, " the term PERSON means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ''. 

Portfolio Recovery Associates received my notice of cease and desist communication in connection with a debt. XX/XX/2021 at XXXX XXXX, see certified mail confirmation attached. Portfolio Recovery Associates have stated in past correspondence that " We take compliance with all applicable state and federal laws very seriously ''. 

Portfolio Recovery Associates is not allowed to communicate in connection with debt collection to the consumer reporting agencies because they are INDIRECTLY communicating about me, after i told them not to. The consumer sending a cease and desist letter changes what would have been normally permitted by law. Clearly the law is saying that Portfolio Recovery Associates is no longer permitted by law to communicate in connection with debt collection to the consumer reporting agencies. 

Portfolio Recovery Associates is still reporting the alleged debt to the consumer reporting agencies even after having received notice on XX/XX/2021. The debt is alleged and it is false and misleading, for other creditors to see a collection account on my consumer report. The alleged debt is owned by Portfolio Recovery Associates, there is insufficient evidence to bring a breach of contract claim regarding this debt. Portfolio Recovery Associates will have to prove the elements of a breach of contract claim, I'll be looking forward to the testimony of an agent of Portfolio Recovery Associates, preferably one with first hand knowledge that can prove we have a contract and there was mutual assent..

Portfolio Recovery Associates has violated the federal law in more ways than 4. I have not included all the violations by Portfolio Recovery Associates, if needed they will be revealed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Yamaha Motor Finance Corporation USA
State: TX

Complaint narrative:
I purchased a boat with Yamaha Motor Finance Corp USA XXXX XXXX XXXX XXXX, TX XXXX XXXX Supervisor : XXXX XXXX Payment due XX/XX/2021. Payment in full for {$410.00} was mailed on automatic bill pay by XXXX XXXX XXXX  on XX/XX/2021. Allowing 11 days to mail and post. XXXX XXXX shows check as delivered XX/XX/2021. Giving still 4+ days for Yamaha to post payment. 

Due to slow posting by Yamaha, they claim the payment was posted XX/XX/2021. 
They charged a $ XXXXlate fee for XXXX being " late ''. 

Despite all payments being on time for full amount ; they were saying the $ XXXX/late fee was making the regular payments SHORT. And therefore charged additional late fees every month for all subsequent months. 
Despite the fact that all XX/XX/2021- XX/XX/2021 payments got mailed out 10 days in advance, they were charging a late fee even though full payment was arriving on time and short posted due to fraudulent late fees. 

All subsequent late fees stemmed from the original fraudulently applied a late fee in XXXX due to their own slow payment posting process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GETM INCORPORATED
State: SC

Complaint narrative:
I have a collection in my credit report that I have not received any information or appropriate documentation whatsoever. I have disputed this item on several occasions but I never received anything back from the creditor or collection agency. It is a collection from Valley Creditors Service in the amount of {$2800.00}.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: RateGenius Loan Services Inc
State: CA

Complaint narrative:
On XX/XX/2021 my wife and I were looking at rates to refinance a vehicle. We purposefully did NOT submit any applications as we are also mortgage shopping. This morning, XX/XX/2021, I received alerts that my credit reports had been pulled multiple times. On my XXXX Credit Report there is one inquiry from XXXX XXXX with no contact information whatsoever, and on my XXXX Credit Report there are 2 separate inquiries from the same credit union, XXXX. I contacted XXXX who claimed they received authorization from Rate Genius. Rate Genius 's employee, " XXXX '', advised me to dispute the inquiries but otherwise offered no assistance into the matter. 

I expect all inquiries to be removed as I did not authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I am disputing the charge for {$1600.00} made on XX/XX/21 to my HSBC credit card and XXXX deposit paid on XX/XX/21. The total amount I am disputing is {$1700.00}. 

I entered a contract with XXXX XXXX for 4 movers and 1 truck/s, at $ XXXX and a {$100.00} deposit nonrefundable to move me from XXXX XXXX  XXXX, XXXX  XXXX TX XXXX to XXXX XXXX XXXX XXXX on XX/XX/21 XXXX 
Before my move date, I received a call asking if I minded multiple trips. I specifically said I do not want multiple trips. On XX/XX/21, 4 movers came with a surprisingly small truck and began moving at XXXX. The truck did not have a lift in the back to assist with getting the refrigerator, heavy XXXX XXXX XXXX and my XXXX XXXX XXXX in the truck. Around lunch time they told me the truck was full and they needed to make an additional trip. 
Before delivering thXXXX XXXX XXXXad to XXXX XXXX XXXX XXXX, the 4-men crew stopped for lunch. They were gone for 1.5 hours. The 4th person never returned. My contract stated 4 men and a truck at $ XXXX. They unloaded the first load and then 2 men and me returned to XXXX XXXX XXXX, XXXX  TX to finish loading the large items such as the heavy XXXX XXXX XXXX, the XXXXXXXX XXXX XXXXXXXX XXXX, the refrigerator and a handful of other inventory items. The 3rd man stayed at XXXX XXXX XXXX XXXX to begin assembling the beds. The 4th man never returned to the job.

The 3 men delivered the final items. After a full inspection I realized : 1. I was missing a large decorative vase that went with two others. I have a bad hip and was not able to go onto the truck and inspect it before they left to see what had been left there. 
2. My XXXX XXXX XXXX was shattered. The men did not wrap it, nor did they put the blankets on it when they loaded it. All they could say was XXXX we have another job to go to after this one. 
3. My XXXX XXXX XXXX was so damaged that I could not even open it. 
4. There were scratches and dents on my XXXX XXXX XXXX. 
5. There were scratches on my dining room table. 
The damages noted above exceed the moving costs I paid, of a {$100.00} deposit paid on XX/XX/21 and {$1600.00} on XX/XX/21 ( Total paid {$1700.00} ). I am disputing all moving charges paid through my credit card company. I will be filing numerous online social media complaints and a XXXX XXXX XXXX Complaint against XXXX XXXX XXXX for your Gross Negligence and Breach of Contract.

Company response to consumer: Closed with explanation