vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Since the beginning of XXXX of 2024, I've been contacting Capital One Auto Finance in an attempt to pay off my vehicle loan with them. When calling the Auto Loan department number, I receive a message about Covid concerns and longer wait times and an transfered to a voicemail and asked to leave a message. I've left at least a message a week asking to speak to someone in order to pay off the vehicle. No one returns the calls. My online account with Capital One has been frozen and will not allow me to make a payment of obtain any information. After no response from the voicemails, I used the Capital One Website to send a message explaining the issue I have been having. Four days later, on XXXX/XXXX/24, I received a call from a customer service representative in the Office of the President. I was told that my loan had been turned over to a XXXX  and they would have to attempt to retrieve the file from the XXXX. The representative stated that someone would call me back on Friday XX/XX/XXXX24 with the requested information, but that call never came. I have a letter from Capital One with the pay off balance, several options to pay it off or make payment plans, and it states that I have until XX/XX/XXXX2024. I just want to pay off my vehicle loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I filed a previous dispute about this. I received a letter from Citibank dated XXXX XXXX XXXX saying that another check had been sent and to allow 7-10 business days to receive it. As of XX/XX/year>, I still have not received it. The address is correct. 

I called the Centralized Dispute Unit per the instructions in the letter and it will not recognize any of my information, so I can not speak to anyone. 

It has not been over 4 months and Citi will not send me a check for my closed account.

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 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NV

Complaint narrative:
Discover Credit Card Monthly bills debts are obligations of the United States per 18 U.S. Code 8, 12 USC 411, and 31 U.S. Code 3123. -- -- -- -- -- -- -- -Only gold and silver coin a tender in payment of debts Article 1 Sec 10 of US Constitution -- -- -- -- -- -- -- -- Banks created the money and credit upon its own books by bookkeeping entry as the consideration for the Note. All of the money or credit which was used as a consideration was created upon their books, and it is the standard banking practice exercised. XXXX XXXX XXXX of XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( 1968 ). -- -- -- -- -- A note ( Federal Reserve Note/Cash/Paper Money ) is only a promise to pay and not payment. XXXX XXXX XXXX XXXX XXXX 131 P 2d 894 ( 1942 ). -- -- -- -- -- -- -- -- -- -- -- -- -- -- A debt is not paid by the giving of a note ( Federal Reserve Note/Cash/Paper Money ). XXXX XXXX XXXX XXXX XXXX, 38f. Supp. 479 ( 1941 ). -- -- -- -- -- -- -- -- -- -- -- - Giving a note ( federal reserve note/cash/paper money ) does not constitute payment XXXX XXXX XXXX XXXX XXXX XXXX  42 F. 2d 158 ( 2d Cir. 1930 ) -- -- -- -- -- -- -- -- -- ----

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX has violated my rights. 
15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I visited a local auto dealership to inquire about obtaining a larger vehicle. Credit was denied. ( see attached correspondence from XXXX XXXX XXXX XXXX ). 

In XXXX of XXXX, I was granted full bankruptcy relief as a result of being a XXXX and XXXX to a daughter with XXXX XXXX. Our/my debts were the direct and indirect result of her medical condition. She passed away in XXXX of XXXX. 

In XX/XX/XXXX, I secured full-time employment with XXXX XXXX XXXX XXXX My starting XXXX  offer was {$83000.00} and in XX/XX/XXXX, when this credit report was obtained my salary was {$100000.00}. 

Despite these verifiable facts, I was denied credit. Citing " excessive obligations in relation to income '', the credit bureaus are continuing to wreak havoc on my reputation and finances. I have one car loan, I rent, have no credit cards/debt, or student loan debt, yet, I was denied credit. 

PLEASE HELP ME/US. The credit bureaus are archaic and ineffective and are hurting millions of American families.

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 2024-04-14 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: IN

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I got a hard inquiry yesterday, XXXX XXXX XXXX, from Capital One. I did not apply for any lines of credit nor did my wife. I think my info is on the dark web or something

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I left the amp fitness company as soon as I joined the only time they took a monthly fee of me was that first month and I immediately went and called and told them to cancel the membership and as well as spoke to my bank and got an email from XXXX XXXX saying that it was canceled and this was way back in XXXX to XXXX. I recently got the mail that I owe {$160.00} to the company which doesnt seem financially correct. 
Since I left the company and if the amount charged to me were to be correct, it would be way more than just XXXX because every month at XXXX XXXX  the membership is about {$65.00}, so from XXXX to XXXX ( when i received the calls and mail ) it wouldve been more money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: GA

Complaint narrative:
On XX/XX/year> I wrote to Equifax to have some hard inquiries investigated and removed. They are not mine. I already contacted the company and they said I needed to get in touch with the credit bureau. Im stressed because I did not give that company permission to run my credit. The inquires were not authorized and Equifax never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Yesterday my XXXX XXXX was XXXX and XXXX and now is down

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 2024-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NC

Complaint narrative:
Mohela has wrongfully been charging me a bill AFTER I am still in school which as done in the past should have automatically put me in still in school deferment- NOT harass me with a {$1700.00} bill which I currently can not pay right now due to the fact that I am going to be enrolled in an academic program this year XX/XX/XXXX. I strongly believe that this is a form of harassment and oppression done by current servicer Mohela. Back in the months of XXXX through XX/XX/XXXX I kept being denied an unemployment deferment despite the fact that they had legitimate proof of why I applied for unemployment deferment. 

Moving forward, my bankruptcy lawyer roughly back in XXXX while my bankruptcy case was still open which Mohela approved. I strongly suggest that you take a really close look at the supporting documentation that I uploaded carefully. 

I thank you for taking the time to read my complaint against Mohela. 


Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed several complaints against the 3 credit bureaus for violating my rights to a factual and thorough investigation into the inaccuracies listed on my credit report. My complaint was filed on XX/XX/2024 and on XX/XX/2024 I received dispute results stating the accounts were verified and updated. However, the complaint is still open with the CFPB and the company responded to the CFPB that they are still working on the issue. They have sent correspondence to me stating their investigation was completed and never sent any documentation supporting a factual investigation. I received results from the credit bureaus on XX/XX/2024 and XX/XX/2024 Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: VA

Complaint narrative:
XX/XX/24 XXXX XXXX XXXX XXXX Ive been calling and chatting with credit karmas team and they keep saying I need the specialist help but the only help via email but I have yet to receive anything Ive been researching ways to unfreeze card and its nothing I can do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I visited a local auto dealership to inquire about obtaining a larger vehicle. Credit was denied. ( see attached correspondence from XXXX XXXX XXXX XXXX ). 

In XXXX of XXXX, I was granted full bankruptcy relief as a result of being a XXXX and XXXX to a daughter with XXXX XXXX Our/my debts were the direct and indirect result of her medical condition. She passed away in XXXX of XXXX. 

In XX/XX/XXXX, I secured full-time employment with XXXX XXXX XXXX XXXX My starting salary offer was {$83000.00} and in XX/XX/XXXX, when this credit report was obtained my salary was {$100000.00}. 

Despite these verifiable facts, I was denied credit. Citing " excessive obligations in relation to income '', the credit bureaus are continuing to wreak havoc on my reputation and finances. I have one car loan, I rent, have no credit cards/debt, or student loan debt, yet, I was denied credit. 

PLEASE HELP ME/US. The credit bureaus are archaic and ineffective and are hurting millions of American families.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I visited a local auto dealership to inquire about obtaining a larger vehicle. Credit was denied. ( see attached correspondence from XXXX XXXX XXXX XXXX ). 

In XXXX of XXXX, I was granted full bankruptcy relief as a result of being a XXXX and XXXX to a daughter with XXXX XXXX Our/my debts were the direct and indirect result of her medical condition. She passed away in XXXX of XXXX. 

In XX/XX/XXXX, I secured full-time employment with XXXX XXXX XXXX XXXX My starting salary offer was {$83000.00} and in XX/XX/XXXX, when this credit report was obtained my salary was {$100000.00}. 

Despite these verifiable facts, I was denied credit. Citing " excessive obligations in relation to income '', the credit bureaus are continuing to wreak havoc on my reputation and finances. I have one car loan, I rent, have no credit cards/debt, or student loan debt, yet, I was denied credit.

PLEASE HELP ME/US. The credit bureaus are archaic and ineffective and are hurting millions of American families.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: GA

Complaint narrative:
Realtime Solutions and XXXX XXXX XXXX XXXX XXXX XXXX have started foreclosure proceedings for a loan from XXXX in XXXX XXXX XXXX on a property I live at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The foreclosure date is XX/XX/XXXX. The statute to pursue this debt has passed. I was also part of a class action lawsuit because XXXX this is from XX/XX/XXXX " According to the complaint filed by the FTC, XXXX loan-servicing operation deceived homeowners who were behind on their mortgage payments into paying inflated fees fees that could add up to hundreds or even thousands of dollars. Many of the homeowners had taken out loans originated or funded by XXXX lending arm, including subprime or nontraditional mortgages such as payment option adjustable rate mortgages, interest-only mortgages, and loans made with little or no income or asset documentation, the complaint states. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Claim # XXXX This Complaint is against Wells Fargo Bank for denial of my claim for {$340.00}. Wells Fargo stated that these transactions were made using my Card and PIN #. How stupid is this???? Of course this is true, because I have been experiencing Identity theft, and dealing with W. Fargo for 17 months after I had all accounts deactivated and disabled to prevent this. This is the fault ONLY of W. Fargo.. And I need my money returned.

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 2024-04-14 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: NC

Complaint narrative:
15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the DEPT OF ED/XXXX account ending in XXXX. These includes two 90 day late payment posted in XX/XX/2017 and XX/XX/2017. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2024-04-14 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: IN

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-14 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief