vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
On XXXX XXXX I received a notice that my maturity date for my XXXX XXXX XXXX would be maturing on XX/XX/XXXX and my car would be taken due to failure of maintaining contract obligations. 

When I called to find out why my balance I owed was still {$4600.00} and I had 70 payments paid out of 72 at XXXX a month I asked how I owed that much and it was then I found out that my car when I first leased through them accrued around {$15.00} a day based off amount owed. When I spoke to them XX/XX/XXXX they said that {$2.00} still accrues based off the balance. 

Instead of owing {$1100.00} for my two final payments they sent a letter threatening action if the {$4400.00} balance was not paid off in full. 

I found out that it was a simple interest loan so I had interest based off my balance daily ( wasnt aware of this accrual ) and another accrued balance based off my balance monthly ( was aware of the 24 % APR ). 

I feel like I have been ripped off and that the contract shouldnt be legal because I was not aware of this ploy to pay not only a monthly interest but a daily interest on top of that. 

My vehicle should be paid off with the normal ( {$590.00} ) a month by XXXX ( 72 payments ) but it is not, I have to pay an additional $ XXXX dollars or so because of the daily accrual from the simple interest loan. 

Only reason I got this company was because I had such a bad credit score back in XXXX, at this point they are taking advantage of not only myself but many others as well, I cant be the only one. 

They should not be a company that does business with the public because in my opinion they prey on people based off their financial needs. 

They want to take my car to turn around and resell it to the next person with bad credit. 

Please help me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is my follow-up complaint to inform you that I am a victim of identity theft. The items I am disputing today have no connection nor affiliation with me and my transactions. 

Please remove the listed items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 2023-03-09 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: NV

Complaint narrative:
Hello, I have already filed a complaint about this company but, I am doing a follow-up complaint. My prior complaint was number : XXXX. All of the details and screenshots are included in this complaint. 

However, I just received the company 's feedback to which they did not resolve my situation at all, purposely added more interest charges and fees to my account and did not at all attempt to contact me or remove the fees as requested. They also did not resolve the fraudulent charges continuing to try taking money from my account. 

It took the company over a month to repeat to me what they already said over the phone which has now caused my account to lapse even more in fees and is now out of my price range to be able to pay. Due to this, the account in question that simply needed a {$25.00} minimum payment now requires a minimum payment of {$170.00}. I said in my first complaint that Capital One would do this and it is exactly what they have done. 

On top of that, this company also fraudulently places holds on your account, which makes you account become overdrawn. I had a hold from groceries that I ordered for {$140.00} however, once that payment did finally post for it's adjusted amount, Capital One continued to leave the {$140.00} hold which left my account overdrawn for {$140.00}. When I called them about this matter, they said there was nothing they could do, which I knew was not true, as they had removed the hold in the past when I called back in XXXX of 2022. 

Capital One holds money, stacks on fees and interest and does not try to help consumers be able to make payments with them. They have no problem with ruining their consumer 's credit and making the card payments raise to ridiculous amounts. 

They completely dismissed and did not at all address my first complaint and definitely did not validate my fair resolution. As I said before, I would like ALL the interest to be dropped to XXXX and the late payments to be removed from my account, as I did everything I could as well as everything Capital One suggested for making appropriate credit card payments. My credit card having a {$170.00} minimum payment is unfair and illegal, as they are trying to make me pay that from FRAUDULENT charges that I did NOT allow or AUTHORIZE to come out of my account in the first place. 

When charges are fraudulent that means they were NOT authorized by the cardholder which means I did NOT make those payments which means I am NOT and SHOULD NOT be paying for " interest '' or " late fees '' because of them. 

Capital One KNOWS this because they also issued me a REPLACEMENT card. 

I made Capital One aware of a change in my financial situation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09 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: CA

Complaint narrative:
Consumer reporting agencies violated my rights as a consumer under United States Code Law 15 U.S.C. 1681b ( a ) ( 2 ) FURNISHING a consumer report in a circumstance other than in accordance with the written instructions of the consumer to which it relates. 


I did not provide written instructions that would allow for a consumer report to be shared. Under 604 Permissible purposes of consumer reports, 15 U.S.C. 1681b, said report can only be shared by my specific written instructions, which I did not provide.

I demand that the following accounts be removed at once from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the consumer reporting agencies are also in violation on these accounts with respect to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) by their willingly and knowingly providing a consumer report containing information solely as to the transactions or experiences between the consumer and the person making the report. The law explicitly states that a consumer report does not include these items. Therefore, the aforementioned accounts and the transactional information relating to them must be removed.

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 2023-03-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer reporting agencies violated my rights as a consumer under United States Code Law 15 U.S.C. 1681b ( a ) ( 2 ) FURNISHING a consumer report in a circumstance other than in accordance with the written instructions of the consumer to which it relates. 


I did not provide written instructions that would allow for a consumer report to be shared. Under 604 Permissible purposes of consumer reports, 15 U.S.C. 1681b, said report can only be shared by my specific written instructions, which I did not provide. 

I demand that the following accounts be removed at once from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the consumer reporting agencies are also in violation on these accounts with respect to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) by their willingly and knowingly providing a consumer report containing information solely as to the transactions or experiences between the consumer and the person making the report. The law explicitly states that a consumer report does not include these items. Therefore, the aforementioned accounts and the transactional information relating to them must be removed.

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 2023-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
PHH MORTGAGE SERVICES XXXX XXXX XXXX XXXX. XXXX, NH XXXX Phone # XXXX I entered the CARES ACT forbearance XXXX related relief program which was XX/XX/XXXX. I was able to pay mortgage until XX/XX/XXXX. CARES ACT program begin to pay from XX/XX/XXXX, until XX/XX/XXXX, with extended do to XXXX issue from CARES ACT forbearance XXXX Extension. I was scheduled to start making regular payments on XX/XX/XXXX. When I received bill, it stated that I owed XXXX for XXXX, XXXX, XXXX and XXXX. I was only prepared to pay {$1100.00}. XX/XX/XXXX, which was confirm by PHH. PHH did not want any payment unless I paid 3 months back. I made sure this account was verified through CARE ACT forbearance XXXX program every 3 months and was approval by calling in and staying connected with PHH. So, when I called concerning this amount, they told me someone will be calling in 25 to 30 days later to solve issue. They finally gave me a trail period in XX/XX/XXXX. PHH said trail {$1100.00} payments are due for 3 month and no later than 30 days pass each month. I paid for XXXX and XXXX and PHH sent back payment for XXXX and said payment was not sent in and cancel trail period and sent monies back confusing I know. 
This company have been dragging me alone every 30 days saying that there are going to put me in a modification plan it's been 7 months. At this point no modification and no trail periods. NOW I owe over {$10000.00}. on my home. PHH have deceived me into this situation. Please help. 
NOTE : From XX/XX/XXXX, I have called in every 3 months to verify payment to be paid or approved to move into an account like a second mortgage will be held without penalties unto XXXX with no fees or penalties under the CARES ACT forbearance program. PHH have deceived me into this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-03-09 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: NV

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$230.00}

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 2023-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello I unfortunately had my house flooded From a broken pipe I ended up getting a check from the insurance company for repairs I took it into the branch XXXX XXXX XXXX Before depositing it to make sure whoever had to endorse it did. The banker looked at it and asked his manager and they said its good. As to which I told him to deposit it The following day I get a call from chase telling me my account is being closed & they are holding my money hostage for reason that makes zero cents whats so ever. If they didnt like the check they shouldve told me in the branch or atleast send the funds back to me or to the maker instead they are holding it back from me and I cant even finish my house. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is my follow-up complaint to inform you that I am a victim of identity theft. The items I am disputing today have no connection nor affiliation with me and my transactions. 

Please remove the listed items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3000.00} 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 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my follow-up complaint to inform you that I am a victim of identity theft. The items I am disputing today have no connection nor affiliation with me and my transactions. 

Please remove the listed items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX 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 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 XXXXXX/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
Consumer complaint received 2023-03-09 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: TX

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$42000.00} ; XXXX Balance : {$42000.00} ; XXXX XXXXXXXX Balance : {$34000.00}.

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2023-03-09 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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