vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My name is XXXX XXXX and I certify under the penalty of perjury that all forthcoming facts are the truth. Predatory Lender Capital One Auto Finance has been violating federal consumer protection laws and imposing on my rights as a consumer by generating fraudulent retail installment sale contracts and consumer credit contracts on multiple occasions. On XX/XX/XXXX I was misled to sign a fraudulent consumer credit contract under account # XXXX at XXXX XXXX located in XXXX XXXX NJ for a XXXX XXXX XXXX ( XXXX ) ; VIN # XXXX by XXXX sales XXXX as well as Capital One Auto Finance XXXX Again On XX/XX/XXXX I was misled to sign another fraudulent consumer credit contract under account # XXXX at XXXX XXXX XXXX XXXX in XXXX NJ for a XXXX XXXX XXXX ( XXXX ) ; VIN # : XXXX by XXXX XXXX reps as well as Capital One Auto Finance XXXX Both consumer credit contracts are misleading and deceptive because both documents include language that refers to the documents as both " Retail Installment Sale Contracts '' and " Consumer Credit Contracts ''. These documents should only have one title, its contradicting that the document is using language that refers to the documents as being two different types of contracts in one. This is a violation of 15USC1692J : Furnishing certain deceptive forms and 15USC1692E : False or misleading representations. These contracts are also fraudulent because they advertise the requirement of cash down payment which violates 15USC1605 : Determination of finance charge which states that " the finance charge does not include charges of a type payable in a comparable cash transaction ''. Also Capital one auto finance, XXXX XXXX, or XXXX of XXXX did not ensure that I was aware of my Right to RESCIND this consumer credit transaction which violates 15USC163XXXX : Right of rescission as to certain transactions. This predatory company did not provide me any truth in lending disclosure or any appropriate or legal rescissions forms or documentation that ensured that I was made aware of my right to rescind any of these consumer credit transactions/contracts. I am now exercising my right to rescind these consumer credit transactions referenced above and requesting that upon receipt of this notice of rescission the creditor who is capital one auto finance shall return to me within 20 days any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transactions. This includes reporting this account as paid as agreed to all credit reporting agencies. Capital One Auto Finance has 20 days from the receipt of this notice of rescission to abide by federal law and stop violating my consumer rights any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Financial is overcharging for late fees for monthly automobile payment. Late fees are supposed to be 5 % of monthly payment and they are charging {$71.00} which is almost double. This is in addition to other things they are charging on my account and then can't explain or justify. 

I don't know what they did during the Covid when people requested deferments. This is flat out ripping /scamming customers off and taking advantage of them especially during the time there was a national crisis.

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 2022-01-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I found a hard inquiry requested on XX/XX/2021 By CBNA. This hard inquiry wasn't requested by me. I contacted the company to cancel the request and it was confirmed as a fraud. 

I want to inform that hard inquiry shows as " CBNA ''. I contacted them and they didn't find any accounts in my name. The only company that was able to find the hard inquiry in my name it's " XXXX XXXX '. Which it is different than CBNA and that is the only hard inquiry that shows on my credit report. I attached a letter from XXXXXXXX XXXX. File number 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 2022-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vericred Solutions LLC
State: TX

Complaint narrative:
I have paid the debt to XXXX XXXX XXXX XXXX ( receipt attached ) paid though Vericred Solutions LLC. I do not owe. They placed a balance on my credit report which I was told would be removed. I have requested multiple times for them to remove this debt from my XXXX  credit file. I have completed many disputes and attached the receipt paid. I would like this information removed from my credit file because I have paid this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Lvnv Funding LLC at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of {$910.00} and a second account in the amount of {$1100.00}. the collections has been reported as past due balance, i do not know this company.i have never done any bussiness with this company, this company does not have a contract with my signature on it ... ......

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I had a credit card with Citizens Bank opened on XX/XX/XXXX. During the first two years of this account, I had no issues. In XXXX I experienced health issues and was unable to work or pay my credit card bill. I made Citizens bank aware of this and was informed that there was nothing that could be done at the time. Ultimately the account was closed and charged off. When I was finally able to return to work and repay my credit obligations I contacted Citizens bank who informed me of the balance due. I made restitution in full based on the balance I was given ; only to find out later that there was still money owed but they wanted a quick resolution to this issue. When I recontacted Citizens after reviewing my credit reports I noticed two things about how it was reporting. XXXX, the balance was paid in full for less than the total amount. I never agreed to this. XXXX the account is still reported as derogatory. I did inform Citizens that I wanted to pay the debt in full and have it cleared that I paid my entire amount owed back. I also wanted them to report the account as paid in full and closed once the remaining balance was satisfied. To date, Citizens refuses to allow me to pay the remainder of the balance and is still reporting the account in a negative manner. I would like this corrected. The first time in history I have ever seen a bank not want to be repaid for a debt owed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: OK

Complaint narrative:
You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental anguish, and depression. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: OK

Complaint narrative:
You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 XXXX. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( XXXX ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc.
State: CA

Complaint narrative:
In late mid XXXX, I receive mail from SoFi encouraging me to refinance my federal student loans with then for their low rates. Their message highlights that the federal forbearance ends at the end of XXXX which adds pressure to the message. That statement was factually incorrect as the forbearance was extended to XXXX as SoFi would most certainly know. As such anyone who refinanced with them would be paying a higher interest rate because federal loans are currently at 0 %. This is irresponsible and predatory marketing that should have been pulled from the mail house as soon as the forbearance extension was announced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
This complaint is effectively to reopen complaints numbers XXXX and XXXX against Comenity Capital Bank. Please, use the attachments to these 2 complaints. 

Complaint XXXX involves incorrect fees/interests Comenity Capital Bank charged to my account. 
Complaint XXXX involves the reports made to four Credit Bureaus based on the above incorrect fees/interests. 

So far, Comenity Capital Bank has responded to complaint XXXX with "... Credits have been applied to bring the balance to zero .... '' but there was no mention of the reports to the four Credit Bureaus. Hence, the reports to the Credit Bureau remain an open issue. I request that complaint XXXX be reopened. 

I need a written response from Comenity Capital Bank to address specifically the reports it made to the four Credit Bureaus. This response is needed for me to take further action to repair my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Closing the house found out. There is a lien on the house for {$55000.00}. We communicated with the lender says this account been inactive seen XXXX. Also I found 1099-c debt discharge of the amount of {$55000.00}. Lender want me to payout the 2nd loan plus interest and late fee that I have no knowledge of the 2nd loan. We sent all the document to the lender my bankruptcy and the 1099-c discharge. We been trying almost every another day to resolve this issue. My final day to close is Friday XX/XX/XXXX. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: NJ

Complaint narrative:
I had a credit card with XXXX Bank opened on XX/XX/XXXX. During the first two years of this account, I had no issues. In XXXX I experienced health issues and was unable to work or pay my credit card bill. I made XXXX bank aware of this and was informed that there was nothing that could be done at the time. Ultimately the account was closed and charged off. When I was finally able to return to work and repay my credit obligations I contacted XXXX bank who informed me of the balance due. I made restitution in full based on the balance I was given ; only to find out later that there was still money owed but they wanted a quick resolution to this issue. When I recontacted XXXX after reviewing my credit reports I noticed two things about how it was reporting. One, the balance was paid in full for less than the total amount. I never agreed to this. Two the account is still reported as derogatory. I did inform Citizens that I wanted to pay the debt in full and have it cleared that I paid my entire amount owed back. I also wanted them to report the account as paid in full and closed once the remaining balance was satisfied. To date, XXXX refuses to allow me to pay the remainder of the balance and is still reporting the account in a negative manner. I would like this corrected. The first time in history I have ever seen a bank not want to be repaid for a debt owed 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 non-monetary relief
Consumer complaint received 2022-01-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I had a credit card with XXXX Bank opened on XX/XX/XXXX. During the first two years of this account, I had no issues. In XXXX I experienced health issues and was unable to work or pay my credit card bill. I made XXXX bank aware of this and was informed that there was nothing that could be done at the time. Ultimately the account was closed and charged off. When I was finally able to return to work and repay my credit obligations I contacted XXXX bank who informed me of the balance due. I made restitution in full based on the balance I was given ; only to find out later that there was still money owed but they wanted a quick resolution to this issue. When I recontacted XXXX after reviewing my credit reports I noticed two things about how it was reporting. One, the balance was paid in full for less than the total amount. I never agreed to this. Two the account is still reported as derogatory. I did inform Citizens that I wanted to pay the debt in full and have it cleared that I paid my entire amount owed back. I also wanted them to report the account as paid in full and closed once the remaining balance was satisfied. To date, XXXX refuses to allow me to pay the remainder of the balance and is still reporting the account in a negative manner. I would like this corrected. The first time in history I have ever seen a bank not want to be repaid for a debt owed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: NJ

Complaint narrative:
I had a credit card with XXXX Bank opened on XX/XX/XXXX. During the first XXXX years of this account, I had no issues. In XXXX I experienced health issues and was unable to work or pay my credit card bill. I made XXXX bank aware of this and was informed that there was nothing that could be done at the time. Ultimately the account was closed and charged off. When I was finally able to return to work and repay my credit obligations I contacted XXXX bank who informed me of the balance due. I made restitution in full based on the balance I was given ; only to find out later that there was still money owed but they wanted a quick resolution to this issue. When I recontacted XXXX after reviewing my credit reports I noticed two things about how it was reporting. One, the balance was paid in full for less than the total amount. I never agreed to this. Two the account is still reported as derogatory. I did inform XXXX  that I wanted to pay the debt in full and have it cleared that I paid my entire amount owed back. I also wanted them to report the account as paid in full and closed once the remaining balance was satisfied. To date, XXXX refuses to allow me to pay the remainder of the balance and is still reporting the account in a negative manner. I would like this corrected. The first time in history I have ever seen a bank not want to be repaid for a debt owed 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 2022-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XX/XX/XXXX, I had a payment that was due to Capital One. I made the payment on the XXXX, prior to XXXX XXXXXXXX XXXX on that day. I received a confirmation email on XX/XX/XXXX saying that my payment was posted to my Capital One account. I then received an email on XX/XX/XXXX from Capital One, saying that my bank returned my payment. I check my bank account and it shows that the payment went through ; there were no pending balances at the time. I checked it today and it still shows that it has been paid ; nothing was returned in my bank account. I logged into the mobile app of Capital One yesterday to make another payment, as they said the previous was returned. I noticed that I was charged a late fee as a result of insufficient funds when I made the initial payment. The email that I received on the XXXX did not state that I was to be charged a late fee for this ; it said that the payment that I made was returned. I do not understand why I was charged a late fee when I made the payment on time, and the money was drafted out of my bank account. I called Capital One on the XXXX to explore what happened and remove the {$25.00} late fee. They said they could not remove the late fee because the payment was received after the due date, even though I paid it before the due date, and I received a notification that my payment was posted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Bank is charging me late fees for my auto loan when the new statement comes out around the XXXX of every month. The payment is due on the XXXX of the month, and they indicate when the new statement comes out on the XXXX for the following month that my payment is past due. This is incorrect and a way to confuse customers and overcharge them for late fees or charging them when they should not be charged at all. 

This method of billing is a way to scam customers. Payments are due on due date, not when the statement comes out.

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