vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Auto Financing : Purposely delays crediting customer accounts in order to accrue more interest owed on principal. Monies were transmitted electronically from XXXX to Capital One XXXX XXXX. On XXXX XXXX ( the 2nd business day after the holiday ) XXXX marked it " completed, '' meaning the transaction was confirmed that it arrived at the destination and was accepted. Every day after that, I called and chatted with Capital One, was put on hold while they checked and was told each time that their system had no record of my payment. When asked how long it takes for an electronic payment to post, the Capital One person said, " Oh, it's automatic, in one or two days. '' It is now 8 days ( 5 full business days ) and I literally watch the interest accrue on my account about {$2.00} every 24 hours. I know that's a small amount but if you multiply that by millions of customers, that's a lot of money! They use the excuse of " the holidays '' to generate more interest. I had XXXX draft a letter and I faxed it to Capital One. I have no doubt they will eventually post my payment but I find this purposeful delay practice horrible in an economy when every penny counts. Shame on Capital One!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This is in reference to complaint XXXX previously submitted. Penfed did NOT address my concerns. I asked very specific questions in my inquiry that were not at all address. I would like my questions to specifically be answered and not a pencil whipped response. Why do I not get any assistance in dealing with XXXX XXXX? They tell me to contact my financial institution and will not assist me. Why did it take so long for them to get me copies of my statements when I changed my account number? Why will they not assist me in dealing with the XXXX XXXX XXXX XXXX. All of these questions have not been addressed. They are providing no help to me what-so-ever and instead are making a assumptions and a judgement call on my character. Their response is not a valid response because they did not address my individual question. Why did their system edits not detect fraud? This financial institution is deflecting any effort to help me and it required me to go through you just to get this response from them.

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 2022-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Capital One Attn : Disputes XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Capital One or To whom it may concern : I'm disputing today because my credit was sold to a credit bureau without my permission. I took a look at my credit report and it says the amount was not paid in full. We came to an agreement and I paid the full amount. A few of my consumer laws have been violated and I demand an investigation of the validity of my account and I need documentation proof that the Debt is assigned to me. You guys violated my rights of 15 U.S. Code 1681. TILA, FDCPA, and SERA. If documentation can not be provided I request removal of the account from my credit report, if you can not provide documentation in the allotted time. 
Thank you for your time. 

( *it has now been more than 30 days an no answer )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
This collection company is reporting this account that is not mine to the three credit companies XXXX, XXXX and XXXX. I call them and ask for documents and they don't send anything and they threaten to take me to court if I don't pay. 
That they take out that account of the three company of credit and if they want that they take me to the court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Several dispute letters have been sent to all three Credit Bureaus relaying that Company is no longer is business. Company is no longer in business. A letter was sent on XX/XX/2021 and was sent back to Consumer. 
[ XXXX XXXX  ] with a RETURN TO SENDER-NOT DELIVERABLE AS ADDRESSED-UNABLE TO FORWARD. Creditor is not apart of the 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 2022-01-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Several dispute letters have been sent to all three Credit Bureaus relaying that Company is no longer is business. Company is no longer in business. A letter was sent on XX/XX/2021 and was sent back to Consumer. 
[ Exhibit 1 ] with a RETURN TO SENDER-NOT DELIVERABLE AS ADDRESSED-UNABLE TO FORWARD. Creditor is not apart of the 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 2022-01-02 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: NC

Complaint narrative:
On XX/XX/2021, I contact the CRA to via certified mail to dispute erroneous accounts on my consumer report. After about two and a half weeks, the CRA reported back that the information came back verified from the original creditor, which is wholly inaccurate, as I am the original creditor pursuant to 15 USC 1602 ( l ). 

On XX/XX/2021, I contacted the CRA again, to request that those same accounts be removed again. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( B ), these accounts being listed are again in direct violation of the FCRA and should have been deleted on XX/XX/2021 when the first disputes were mailed out and should not have come back verified.

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 2022-01-02 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: NC

Complaint narrative:
On XX/XX/2021, I contact the CRA to via certified mail to dispute erroneous accounts on my consumer report. After about two and a half weeks, the CRA reported back that the information came back verified from the original creditor, which is wholly inaccurate, as I am the original creditor pursuant to 15 USC 1602 ( l ). 

On XX/XX/2021, I contacted the CRA again, to request that those same accounts be removed again. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( B ), these accounts being listed are again in direct violation of the FCRA and should have been deleted on XX/XX/2021 when the first disputes were mailed out and should not have come back verified.

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 2022-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
When COVID went to pandemic status I applied for deferred payments. I spoke to phone agent and one of my first questions was does this add to the end of my loan. They responded yes. Now Im expected to pay over {$11000.00} dollars or foreclosure. Im an XXXX working through this pandemic and now in fear of losing my house. What do I do I dont have that kind of money.

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 2022-01-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I contracted with XXXX XXXX XXXX XXXX to complete the remodel of my master bath, master closet and a loft built-in bookshelf. They charged the full {$35000.00} to my Synchrony Bank credit card before they completed any work at all. They then completed the demolition of my bathroom and never returned to complete any other work. After months of repeated attempts ( calls, texts, emails, in-person at location ) to get them to resume the work, we canceled our contract with them and hired another company that has since finished the work. We wanted the {$35000.00} charge removed from the credit card since the work was never completed due to job abandonment. We appealed to Synchrony several times with pictures, emails and information from CA State Licensing Board and XXXX own bond company indicating that the company had several valid claims from other clients as well as ours. However, Synchrony keeps indicating that their client is willing to work with us and complete the work as a response to why the purchase dispute is not in our favor even though we've repeatedly explained why that is not possible. In addition, when we've tried to talk to individuals at their company to resubmit the claim and provide additional information, they didn't submit any of our requests. Both Synchrony and their employees are not acting in good faith. I've attached documentation to support my claim. All of which ( and more ) was already provided to Synchrony.

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 2022-01-02 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: MI

Complaint narrative:
Several dispute letters sent to Company and Credit Bureaus. Company has not responded to anything including CFPB complaint ( s ) : XX/XX/XXXX [ # XXXX ] XX/XX/XXXX [ # XXXX ] Company is reporting old information and Michigan Statue of Limitation on Credit Card Debt is 6 years. Once the statute of limitations has passed, the debt becomes time-barred, and the creditor can not sue you to collect it. This account was open on XX/XX/XXXX and updated on XX/XX/XXXX stating that Consumer is 90 days late on XX/XX/XXXX & XX/XX/XXXX BUT Closed & Last Activity on XX/XX/XXXX and Charged Off on XX/XX/XXXX. The clock starts ticking when you fail to make a payment and it can be reset if you make a partial payment. Per Consumer Report the last FAILED payment was XX/XX/XXXX. 

All of these dates are inconsistent and the company has made several violations : 1. XXXX Consumer account by reporting the date of the last activity instead of the date of the first delinquency-FCEA Section 605 ( c ) - {$1000.00} Fine 2. Limit on Collection Time Barred Debt-12 CFR 1006 26 ( b ) Prohibits a collector from initiating or threatening to bring a time barred collection action. 
3. Refusal to correct information after being provided proof of accuracy.-FCRA Section 623. XXXX v Transunion Corp. US Court of Appeals for the third Circuit Court Case XXXXXXXX XXXX XXXX XXXX. XX/XX/XXXX, Filed ( DC XXXX XXXX ) 4. Failure to respond to Consumer written disputes within 30 days-FCRA Section 611 Part ( A ) ( 1 ) - {$1000.00} Fine 5. Failure to report disputed debt to credit bureaus-FDCA Section 807 ( 8 ) - {$1000.00} Fine 6. Failure to validate debt-FDCPA Section 809 ( b ) - {$1000.00} Fine 7. Failure to validate and report to Credit Bureaus-FDCPA Section 809 ( b ) - {$1000.00} Fine 8. Report Consumer credit inaccurately-US Court of Appeals XXXX Circuit XXXX XXXX XXXX, XXXX XXXX XXXX XXXX- {$1000.00} Fine 9. Failure to report disputed debt as disputed debt to credit bureaus-FCRA Section 623- {$1000.00} Fine

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 2022-01-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Several dispute letters sent to Company and Credit Bureaus. Company has not responded to anything including CFPB complaint ( s ) : XX/XX/XXXX [ # XXXX ] XX/XX/XXXX [ # XXXX ] Company is reporting old information and Michigan Statue of Limitation on Credit Card Debt is 6 years. Once the statute of limitations has passed, the debt becomes time-barred, and the creditor can not sue you to collect it. This account was open on XX/XX/XXXX and updated on XX/XX/XXXX stating that Consumer is 90 days late on XX/XX/XXXX & XX/XX/XXXX BUT Closed & Last Activity on XX/XX/XXXX and Charged Off on XX/XX/XXXX. The clock starts ticking when you fail to make a payment and it can be reset if you make a partial payment. Per Consumer Report the last FAILED payment was XX/XX/XXXX. 

All of these dates are inconsistent and the company has made several violations : 1. XXXX Consumer account by reporting the date of the last activity instead of the date of the first delinquency-FCEA Section 605 ( c ) - {$1000.00} Fine 2. Limit on Collection Time Barred Debt-12 CFR 1006 26 ( b ) Prohibits a collector from initiating or threatening to bring a time barred collection action.

3. Refusal to correct information after being provided proof of accuracy.-FCRA Section 623. XXXX v XXXX XXXX. US Court of Appeals for the third Circuit Court Case XXXX XXXX  XXXX XXXX. XX/XX/XXXX, Filed ( DC XXXX XXXX ) 4. Failure to respond to Consumer written disputes within 30 days-FCRA Section 611 Part ( A ) ( 1 ) - {$1000.00} Fine 5. Failure to report disputed debt to credit bureaus-FDCA Section 807 ( 8 ) - {$1000.00} Fine 6. Failure to validate debt-FDCPA Section 809 ( b ) - {$1000.00} Fine 7. Failure to validate and report to Credit Bureaus-FDCPA Section 809 ( b ) - {$1000.00} Fine 8. Report Consumer credit inaccurately-US Court of Appeals XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX- {$1000.00} Fine 9. Failure to report disputed debt as disputed debt to credit bureaus-FCRA Section 623- {$1000.00} Fine

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 2022-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One refuses to honor my request to close a checking account. 

On XX/XX/XXXX I mailed Capital One a signed letter via USPS First Class Mail requesting a closure of my account. A copy of the letter text is accompanying this complaint for reference. As of today, XX/XX/XXXX my account is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have attached a full written statement of events with this submission. 

I was a victim of bank fraud on XX/XX/2021. I was contacted by text message about potential fraud and then received a call from the official Wells Fargo phone number. The impersonator on the phone already knew my name, phone number and that I was a Wells Fargo customer, and possibly more Information. I never once at any time gave this person any Information, including codes etc. They walked me through sending money to myself through the XXXX portion of Wells Fargo 's website. I used my own name and phone number which they were somehow able to divert the funds to a XXXXXXXX XXXX account ending in XXXX. When they hung up and I realized what had occurred, I IMMEDIATELY disputed the transaction and contacted Wells Fargo. After almost a week of talking to various people on the phone and bankers in person, and having to reopen and escalate the case, I have not once received any correspondence with Wells Fargo, though they have attempted to deny liability described to me through a banker. Again, I never once shared any information with the fraudster, and they already had my name and phone number which they used to divert the funds.

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 2022-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I called the XXXX County Treasurer 's office on XX/XX/XXXX because I noticed that the tax payment due on XX/XX/XXXX had not been paid. I paid the amount of {$3100.00} to avoid late fees. When I contacted Mr. Cooper, my servicer, they informed me that they had paid on XXXX, but this was not corroborated by the county. Mr. Cooper has been unable to provide evidence that payment has been made since I contacted them on XX/XX/XXXX. I have made multiple attempts to resolve this issue over the phone and through their online messaging portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Like many people, my family and I were impacted financially by Covid 19. In XXXX of 2020 I was forced to close my business because of the effects of the pandemic. This caused financial hardship for me and unfortunately caused me to become past due on four payments with my Capital One Credit card ending in XXXX. Fortunately, I was able to find a new job and things are starting to get back on track now. Since XXXX of 2020 all of my payments have been on time and I believe that I have demonstrated I am a valuable customer for Capital One. I have reached out to Capital One several times in regards to removing the late payments in 2020 since they were caused by a natural disaster, and I have been given very little information. I have made 13 attempts since XXXX and each attempt ends with me being disconnected or being told that there are no options for me. The Terms and Conditions when setting up my account did not address a natural disaster relative to the same scope as Covid. I also hired XXXX XXXX for 3 months to help me dispute these late payments and have not been successful. I spent several hundred dollars trying to have my credit repaired by experts and help me demonstrate my responsibility. I have been honest with Capital One and I am not asking for anything for free. I have demonstrated 12 months of on-time payments and I am asking for relief due to this pandemic. I take great pride in my credit as it was nearly XXXX prior to the financial impact of Covid 19. I am requesting that Capital One remove late payments from XXXX, XXXX, XXXX and XXXX of 2020 for my Credit Card ending in XXXX. By viewing my accounts with Capital One and my years and years of being a customer, it is obvious that all best efforts were made to keep my accounts current, and that my payment history was flawless up until the Pandemic. Thank you for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a student loan account " XXXX XXXX '' on my credit report that closed in XX/XX/2019 and is reporting a history of late payments, which is incorrect and deceptive information. This account was fully paid every month and closed successfully with the creditor before it was transferred and consolidated into my US Dept of Education Student loans, and yet they deceptively reported months of missed payments. I am asking for expeditious removal of this account, which is reporting fraudulent information and is in direct violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: TN

Complaint narrative:
On XX/XX/XXXX I pulled my Transunion consumer report and noticed some accounts that were not permitted to be reported, and which I contested, and Transunion deleted dated issued XX/XX/XXXX. By them deleting the collection accounts they are held civilly liable for the violation in which my reputation, character, and ability to obtain credit have been damaged. Pursuant to 15 U.S.C 1692.

Here is a list of the violations as shown in the letter attached : 15 U.S.C 1692e 2 ( A ) 15 U.S.C 1692e 14 15 U.S.C 1692c 15 U.S.C 6802 a 15 U.S.C 6802b 1 15 U.S.C 6802 b ( A ) 15 U.S.C 6802 b ( B ) 15 U.S.C 6802 ( C ) 15 U.S.C 1681b ) 15 U.S.C 1681b ( A ) 15 U.S.C 1681b ( A ) 2 15 U.S.C 1692j 15 U.S.C 1611 U.S.C 45 CFR 164.502 ( d ) 15 U.S.C 1681a 4 15 U.S.C 1681a 3 ( a ) ( b ) ( c ) 15 U.S.C 1681b 4 I am demanding monetary relief in the sums of {$16000.00} from Transunion. 

Attachments Affidavit of truth XX/XX/XXXX Investigation Results XX/XX/XXXX Updated credit report with the deleted collection accounts XX/XX/XXXX Invoice sent XX/XX/XXXX XXXX receipt stamped XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation