vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX. XXXX XXXX ( " XXXX '' ) was sold to XXXX XXXX in a trade-in 2. Vehicle liability was released from XXXX XXXX XXXX ( me ) to XXXX XXXX XXXX. Payoff quote was obtained by XXXX ( XXXX 's lender ) XXXX. XXXX XXXX took ownership of the Vehicle and sent a check to XXXX to complete the payoff of the loan XXXX. CapitalOne shows an " Open Date '' for a new loan on the Vehicle of XX/XX/XXXX, maturity date of XX/XX/XXXX. 
XXXX. CapitalOne requested power of attorney for the Vehicle ( XXXX XXXX XXXX submitted both electronically and via maildespite not knowing why this new loan existing, and this is my mistake for not catching it earlier ) 7. CapitalOne begins requesting payments towards the Vehicle 's loan 8. CapitalOne sends communication asking for " completion of the refinance '' I did not request a refinance, and I am concerned that XXXX XXXX screwed up and started this loan. 
XXXX. It is my understanding the CapitalOne does not have the title and should not have any standing or legal/financial claim to the Vehicle and thus any auto loan under my name. 

Payments : XXXX} Vehicle payment by XXXX XXXX XXXX to CapitalOne on XX/XX/XXXX Charges XXXX XXXX XXXX Late Fees Assessed '' and charged on two occasions : XX/XX/XXXX and XX/XX/XXXX. Totalling {XXXX} I have documentation that I can include as attachments

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-03 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: MA

Complaint narrative:
I DON'T RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I DON'T RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I am a XXXX XXXX  with a lot of student loans since I was not able to afford college and did not know any better at age XXXX. I am currently on the PAYE IDR plan. Per the Government Student Aid website under COVID-19 Emergency Relief, it states " The earliest you could be required to recertify is XX/XX/XXXX. '' Link attached here XXXX XXXX XXXX XXXXXXXX I was asked by Mohela to recertify by XX/XX/XXXX. I recertified in XX/XX/XXXX because they did not let me know about this exception. I feel tricked and betrayed because now my payment has risen substantially. As soon as I realized they shouldn't have asked me to recertify before XXXX, I called them and asked them to cancel my application. They said they would, then didn't. I have called them a total of 5 times in the last week- each time being placed on hold for more than an hour. They told me nothing can be done. 

Ideal resolution : I need my old IDR plan payment back ( I was paying XXXX  and now my payment has gone up to {XXXX} unfairly ) and my recertification date to XX/XX/XXXX as stated on the Student Goverment Aid website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: NC

Complaint narrative:
Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been reporting late payments and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
It was a loan that was apparently taken out in XXXX XXXX XXXX. In the amount of XXXX. I have called the company who says they dont have access to the account so they gave me another number. I called that number and there was no option to speak to an agent. It just sent me to a voicemail service and no one has ever gotten back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I had an inquiry on my credit report that showed in the fall approx XXXX from XXXX XXXX and XXXX XXXX. I called them and they said since i did not live in Texas or any state they do business in that it was obviously an error and I should not be concerned. XXXX I received an alert from XXXX of a delinquent account and I contacted the XXXX XXXX XXXX XXXX to XXXX XXXX. She asked me to submit in writing or email the dispute. I did but have not heard anything else. At this time I put in Dispute with Experian and froze my three credit bureaus and ( XXXX I filed a dispute the following week ) Today I was alerted that Experian verified the account as correct and it is absolutely not! 
According to my report it was originally for {XXXXXXXX and now is up to XXXX 
I have had outstanding credit for many years and I would not risk my credit for this tiny amount of monies. I have worked hard for my credit! Experian needs to fix this. XXXX  XXXX needs to fix this. If Sun loan is doing people 's loans and taxes they should be more diligent in who they give money to and verify the persons identity!!! 
I also contacted XXXX XXXX  again today.

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 2024-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was told from my agent that the sellers agent wanted me to call XXXX XXXX XXXX to obtain preapproval although I was already preapproved and submitted to underwriting by numerous different mortgage companies despite that I went on and applied submitted documents at which time XXXX XXXX XXXX. Pretty much instantly denied the preapproval and told me that everything was going to fall through with the deal, and that the other companies are lying to me and that they didnt do what they clearly did. She failed to ask me if I was using any retirement funds if I was using any gift money or if any of the credit cards on my credit report or my fiancs credit report were paid off. We left the phone call that I was going to continue to go through one of the four other companies that I was already preapproved from and submitted to underwriting. Subsequent to this and not deciding to go with the company, she disclosed private financial information to the sellers agent, and that the deal was going to fall through and that what my mortgage companies did wasnt true eventhough theres clear evidence I was preapproved for more than the purchase price.. XXXX and the sellers agent were friends and she was the XXXX XXXX XXXX XXXX XXXX XXXX the sellers agent gets kick backs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Greetings!! it has came to my knowledge that my credit report has been inappropriately used or reported because there are some account on my credit report that i do not know anything about nor benefit from those account this must be due to some breaches.reporting inaccurate account on my credit report violate my consumer rights and I have contacted the parties involved to make sure that all the account listed that i do not authorized should be removed and deleted with immediate effect. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Greetings!! it has came to my knowledge that my credit report has been inappropriately used or reported because there are some account on my credit report that i do not know anything about nor benefit from those account this must be due to some breaches.reporting inaccurate account on my credit report violate my consumer rights and I have contacted the parties involved to make sure that all the account listed that i do not authorized should be removed and deleted with immediate effect. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have made over XXXX disputes for over 10 months. XXXX is XXXX on usbank credit card! It continues to say in dispute status and has never been resolved. It once said XXXX balance then they added balance of {$3600.00} back on.

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 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
I noticed an unidentified charge on my chime account from XXXX that was not showing on my XXXX account. I contacted XXXX and they wouldnt help. I then contacted chime and was told my card was compromised so they replaced my card and filed a dispute. I submitted the screenshot I had of my contacting XXXX The dispute was then canceled by chime and denied within 8 hours of the initial claim and they refuse to assist, reopen the claim or provide information they used to deny the claim. The {$94.00} charge was not made by me as is shown in my purchases from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: FL

Complaint narrative:
Un-Authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Un-Authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-03 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: TX

Complaint narrative:
I noticed on my credit report there is a late payment with XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I hereby inform you that this company is reporting false information on my credit report, I do not know what company this is or what this alleged debt is about, they call the original creditor of the alleged debt a collection company, hiding their name or address. of the original creditor, making a false representation. I do not know this company and I do not have any contract with them that requires me to pay them any money. They make false representations and are affecting my credit reputation. 15 USC 1681b. I need them to send me a contract with my signature binding me to any debts or alleged debts with them.

I also want to know who that company called Collection is that are the supposed original Creditors in this supposed credit transaction because I don't know them. 

XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor. Generally speaking, the original creditor is the company that gave you the loan or credit.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: NV

Complaint narrative:
I requested a loan and paid it off. Speedycash sent a receipt. 5 months later they said my bank retracted the payment. My bank told me they didn't retract any payment. I ask Speedycash to show proof via ledger or in house documentation of this retraction and I'd pay the loan but thay have refused. I've emailed over 35 times requesting information and sent bank statements yet no responses. I've also spoken with collections department and managers over 45 times since XX/XX/2022 and problem still not resolved. They refused to send me proof of retraction. They also show my loan as defaulted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: FL

Complaint narrative:
It was a loan that was apparently taken out in XXXX XXXX XXXX In the amount of XXXX. I have called the company who says they dont have access to the account so they gave me another number. I called that number and there was no option to speak to an agent. It just sent me to a voicemail service and no one has ever gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
XX/XX/year>XXXX  I invested {$6000.00} in Coinbase Wallet mining market. It was not profitable, so I decided to withdraw my funds and send them to my bank. Upon doing so they were held for verification. I was told that I needed to add 80 % of my investment in order to have the funds verified. That was {$5500.00}. Once again verification failed because I was XXXX cents short. I was told to repeat this process and add 80 % again. This time I put in {$6000.00} to make sure that I was not short. I was told that the funds needed to be XXXX after I sent XXXX. I once again converted to be funds to appease the system. My funds still were not given back. Instead I was told that I had to pay custody fees of {$530.00}. I paid them and the following day I was told that I needed to add an additional {$500.00}. I sent {$1000.00} this time hoping this would eliminate any further delay. I checked again and was told that I needed to pay a margin fee on top of what I already paid. That was another {$1000.00}. I waited for their response only to be told that more fees were needed to release my money because they were in the XXXX  to long and accrued even more. I then put {$1500.00} in to assure that I could get my money back, but of course this was not enough. The XXXX  required money in order to process my funds. Once again I added {$1200.00} and have been waiting for the release of my funds, but so far nothing has been returned. All of this has take three months in the process of getting my money back. I have paid over {$15000.00} just to get my initial investment of {$6000.00} and nothing has been returned yet. Every time I talk to customer service about this, they tell me to be patient. In the mean time Ive had to take out two separate loans and borrow from friends and family in order to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
THE ACCOUNT OPENED FRAUDENTLY UNDER MY NAME

Company response to consumer: Closed with explanation