vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Last week I applied for a capital one quicksilver credit card after receiving at least 20 advertisement mail forms stating I can get approved for their credit card. I proceeded to go online and filed, got approved immediately for XXXX and the following day they called me. They called me asking for more information, my social security card and ID and mailing address verification. They sent me a link to my email so I gave them my info. They called me the next day saying they need more information and that the mailing verification I sent was wrong but it wasnt, it was my name and address with my insurance company bill on it. I sent them a utility bill and they called back saying that was incorrect I ended up asking one of the guys I was talking to if this was a scam, he was silent for at least 20 seconds then said yes in a smiriking manner than proceeded to ask for more info I hung up. I looked up the phone number for capital one on XXXX and it gave me a different number. I spoke to a new guy and he seen my account and everything seemed normal I asked him if this was a scam he said no, I asked him to close my account I dont want this he said he did and that the confirmation will come in the mail in 7 days I asked for a email confirmation he said they cant do that. I then called all 3 credit bureaus and froze all my credit accounts! I am now wanting this CAPITAL ONE hard inquiry removed from my account knowing now that is was a scam and dont want this negatively impacting my future with my credit, thanks- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX. account closed as of XX/XX/XXXX. Account paid in full, closed, never late. As a consumer i demand this account be delated from my record. Per FCRA and CFPB rules consumer demands this account be deleted from record since it as met 7yr requirement. Since this account is not connected to bankruptcy there's no need to meet 10yr requirement. 
XXXX XXXX. Account paid in full, never late/closed. Account closed XXXX. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX XXXX XXXXXXXX. Account paid in full, never late & closed. Account closed XX/XX/XXXX. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX XXXX XXXXXXXX. Account paid in full, never late & closed. Account closed XX/XX/XXXX. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 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: NJ

Complaint narrative:
The account below is reporting and do not belong to me please remover XXXX XXXX XXXX. 
Reported : XXXX XXXX, 2022 {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
My checking account is through Huntington Bank. My Mortgage is with XXXX XXXX. I received a call from XXXX on XX/XX/XXXX indicating that my payment was not received. I sent my payment using bill pay offered by Huntington Financial on XXXX but XXXX never received it. At this point, Huntington is charging XXXX in late fees. I called Huntington and they are putting back the money they withdrew from my account on XXXX but are refusing to take responsibility to cover the fee from XXXX. Huntington Bank chose to send the payment via mail and not electronically and is not taking responsibility for losing mail ( check ). Their response to this matter is that we are not responsible for the payment to get to its destination. I was with TCF bank for over 15 years before that and never had a single issue. TCF merged with Huntington in the fall of XXXX and Huntington took over customers and accounts. As soon as this happened, I am having issues and Huntington does not want to take responsibility.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I DEPOSITED CHECKS TO MY CHASE BANK ACCOUNT IM BUYING HOUSE. THE PUTED THOSE MONEY ON 7 BUSSINESS DAYS HOLD UNTILL IT WILL BE CLEARED. NOW ITS BEEN 14 DAYS THOSE MONEYS WERE CLEARED FROM THE PARTIES THEY PROVIDED CHECKS. THE PUT MY ACCOUNT ON HOLD AND THEY ARE NOT REALSING THE FUNDS. THEY ADVSING THEY NEED TO CONTACT THE CLIENT TO VERIFIED THE FUNDS. THOS ECLIEANTS ALSO CHANSE CUSTOMER. WE ADVISED TO CONTATC THEM AND VERIFY THEY ARE SAYING THE PHONE NUMBER ON THE ACCOUNT ITS THEIR CELLPHONE AND THEY ARE NOT IN PUBLIC RECORDS. CUSTOME TRYING TO CALL THEM THEY ARE SAYING ACCOUNT HOLDER NEEDS TO CALL THEY WHEM IM CALLING THEM THEY ADVSING THEY NEED TO SPEAK WITH ISSUER. BACK AND FORT THEY ARE NOT ASSISING MY ACCOUNT FROZEN MY ESCROW CLOSING AND I NEED URGENT HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rosebud Economic Development Corporation
State: NC

Complaint narrative:
The company keep calling my place of employment and personating as someone else also harassing me when I have asked not to contact me or my place of employment

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 2022-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I paid registration fees for my vehicle in XXXX of XXXX .In XXXX of XXXX I refinanced my vehicle through Consumer Portfolio Service. Upon doing so I wanted to remove a Co-signer from the title. I was told by CPS that this would be an easy process and they would handle everything through the DMV. In XXXX of XXXX my vehicle was towed away from my residence and impounded due to lack of registration. I was then forced to pay {$600.00} to get my vehicle out of impound and when I contacted DMV to find out why it was impounded they stated No registration. Upon DMVs investigation they discovered that the process CPS was using to change my title put a pause on my registration for XXXX from finalizing and that also they wouldnt be able to issue my registration for XXXX until this matter was resolved. I then reached out to CPS in XXXX to find out what was going on and they informed me that theyd contracted a third party company to handle the title and to contact them, which I did. The third party company is was no help so I reached back out to CPS and asked for assistance with this matter. I informed CPS that not only was I unable to drive my car Ive been paying for but now I could not as much as park it at my residence because it would get towed again. So I was forced to seek out a storage facility in which my car has been sitting at for 3 months now. It is now XXXX and I pay {$300.00} per month to store my car so Ive incurred an additional {$900.00} in storage fees on top of {$600.00} impound charge. CPS lack of professionalism has caused me to lose over {$1500.00} all while still paying my car note and continues to seek payment instead of addressing my concerns. This matter has gone on over a year and quite frankly it feels predatory

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: NC

Complaint narrative:
I have been going on a uphill battle with Experian about fraudulent accounts and fraudulent hard inquiries on my credit reports for years now and I'm beyond frustrated with this matter I need this issue to get resolved like ASAP I contacted Experian and spoke with a rep the rep said to me that Experian will not remove these fraudulent accounts and fraudulent hard inquiries off my credit report because I didn't have a freeze on my report with Experian I've never heard of anything like this ever I'm moving forward with this complaint because this fraud has hurt my credit standing tremendously thank you for your help in this 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 non-monetary relief
Consumer complaint received 2022-02-23 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : TD AUTO FIN 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 non-monetary relief
Consumer complaint received 2022-02-23 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: NJ

Complaint narrative:
Below is the follow inquires that I did not authorize Equifax XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Company on multiple occasions refused to provide proper information to enable me to process my payment. I explained at length that my account was a saving account and various csr 's on multiple occasions told me that I can process my ach payments using savings accounts. I was also told at times that it required a checking account and yet my payment attempts were still being rejected. I received an email showing my savings as a checking account despite my efforts to communicate otherwise. Most recently I received a phone call on XX/XX/XXXX and XX/XX/XXXX my a supposed XXXX XXXX XXXX of ( Navy Federal ) who provided me with false call back information, and called at a wrong time despite when i told him to call. He proceeded to tell me my account has been reset so I can pay via online. So today i logged in online and I am in the process of submitting a payment after my supposed account reset. My {$58.00} payment is scheduled for XX/XX/XXXX. My {$54.00} was rejected and i received the email from NF stating it was because my account is a saving account but went in as a checking account. XXXX XXXX attempted to pursued me that this was my doing and told him it was not so it was best to just say the information was entered wrongly. I also mentioned that I know my account information and the spelling of my name and this was NF 's fault not mine. Notwithstanding, he found other errors on their part ( NF ) for which I was not given any details. My account is in deliquent status despite the fact that its because of their own CSR 's failure to properly do their jobs and process my payments. XXXX XXXX did state that this should not of been my experience, agreed to wave a {$10.00} fee ( supposedly ) and admitted that my name was entered wrong by the NF and the there were some other issues that he sees as to why my entire account will have to be reset. So in other words NF is the reason I am late on payments due to their own negligence. I still do not have online access but they continue to file against my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23 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: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One Auto Financing is charging me interest on Principal ready paid. They refuse to adjust my loan to meet with the end of our contract date of XXXX keeping my Monthly rate at {$270.00} p/Month regardless of Principle payment. Under the Law, Yearly evaluation of Loans needs to be taken place and loan recalculation is needed to insure interest isn't levied against principal paid. Capital One refuses to follow the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
Upon checking credit I discovered that there are inquiries on my report that i did not authorize nor do I have any business with these compaines. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Account disputed several times over the past 6 years. Contacted collection agency and original credit account holder. The account has never been verified as mine and may be a case of fraud. Previously removed from all three credit bureaus. Now re appears under another name as if account opens in XXXX. Call collection agency and agency stated account originally opened in XXXX. I have no knowledge of this account. I would like help having this item removed from my account. This is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/XXXX XXXX times with in one min. 
XX/XX/XXXX XXXX times between XXXX pm to XXXX XX/XX/XXXX 9 times between XXXX to XXXX XX/XX/XXXX 7 times between XXXX to XXXX XX/XX/XXXX XXXX times between XXXX to XXXX This has been a continuous thing for the last several months to where it is disruptive to daily phone calls and daily life while trying to make and receive phone calls. Sometimes this is up to three times a day. 
The name of the company is XXXX XXXX and XXXX XXXX. IF needed I do have screens shots of this happened as well as having to pay for XXXX XXXX XXXX call protect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX this is the same complaint but 7 days later. A woman named XXXX called from the JP Card services and left me a wrong number. When I tried to call back the number that she called me from, it hung up on me. Please get this Credit Card I have never had off my credit reports. This card does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 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: Barrett Motors, Inc.
State: TX

Complaint narrative:
XX/XX/2022 asked for a signed contract from all parties ( myself, the car dealership, and finance company ) they would not provide that contract to me after numerous calls, emails, and certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are numerous inaccuracies and negative items on my credit report that need to be fixed.These items are not reporting correctly according to the law. See letter attached for a detailed explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX I refinanced a mortgage with Better.com for XXXX. This should have paid my mortgage to XXXX and removed my ex-husband from the deed. 

XX/XX/XXXX I emailed the following to Better.com : I closed on my refinance XX/XX/XXXX. It should have been disbursed XX/XX/XXXX. My existing mortgage has not received the payoff yet. Since I was enrolled in auto-payments and it was not paid off as expected, the payment did not clear and I was charged a NSF fee at my bank. I have not received the money due to me from closing. Can I please get an update on the disbursement on my loan? 
They told me there was an issue with my closing documents, they were going to void the paperwork and the mortgage and I needed to go through closing again on XX/XX/XXXX. 

I let them know on XX/XX/XXXX that the mortgage that was supposed to be voided, was not voided and was sold to XXXX XXXX XXXX ( XXXX ) effective XX/XX/XXXX. The payment date for the XXXX mortgage was XX/XX/XXXX. They have assured me since then that they are working to resolve the issue with XXXX and repurchase the mortgage. As of today, XX/XX/XXXX, this issue is still not resolved. I have at least two, possibly three liens on my personal home and I should only have one.

I am getting letters and calls regarding a delinquent account with XXXX ; stating they will start the foreclosure process if it is not paid within 45 days. I have escalated this issue multiple times with Better.com and they have not resolved the issue. They will not provide a timeline of when it will be resolved or the steps they have taken to resolve these issues. I am not sure if there is mortgage or wire fraud occurring.

Company response to consumer: Closed with explanation