vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On or about XXXX XX/XX/XXXX I contacted my bank XXXX to refinance an auto loan with Captial One Auto finance payment processing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX payoff balance for 10 days given to me of {$37000.00}. Today is XXXX XX/XX/XXXX. 

Capital one. I asked XXXX to add {$100.00} to the loan to take care of any other extra charges capital one could have hidden. Capital One account number XXXX XXXX XXXX XXXX XXXX for {$37000.00} was received at Capital One on XXXX XXXX at XXXX. Capital One then changed the check depositing {$34000.00} in the XXXX and {$3000.00} which equals {$37000.00}. Why did Capital One do this only to incur more money from me? Capital One policy is they will not except checks or credit cards to pay off auto loans. I only can use their 3rd payer option which charges me more money. {$38.00} was charged to me by XXXX XXXX On XXXX XXXX XXXX XXXX on Friday XXXX XX/XX/XXXX. 

This is highway robbery by this company Captial One They refused to allow a debt card to pay the {$38.00} saying the card was no good. They allowed a visa card to pay this amount off. The foreign call center individual stated that it could take up to 90 days or longer to clear my title from them. Captilal one refuses to allow pay off of an auto loan but does allow debt cards can pay off auto loan over {$3000.00}. 

This is a corrupt criminal money laundering operation that needs to be investigated and shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023, I opened a checking account online because someone who holds an account at the same financial institute, Capital One owed me money. She asked me to open an account with Capital One so the money can be transferred/credited without any issues. On XX/XX/XXXX, that person deposited the money into my account via wire transfer and said that they were charged {$30.00} for the wire and the whole amount of {$21000.00} plus {$30.00} was debited from their account right away. Those funds were showing as the current balance but not as available balance in my account. In fact, those funds were never made available in my account. When I checked my account on XX/XX/XXXX, those funds were in available balance, but the message said " Your funds are currently not available for withdrawal. Please call us at XXXX ''. When I tried to contact the bank at that number, they said they don't have a record of that transaction. And few days later, the funds were gone, and the balance showed as XXXX and they closed the account. So, we asked the person to send us the checks for that same amount so we can deposit it into my other account, and when they did, I deposited into another financial institute and those checks cleared without any issue. 
Few months later, when I went to open an account at XXXX and XXXX XXXX, I was unable to open it due to being reported to early warning. That was a shocking news for me because I never did fraud of any kind. 
The money was deposited into my account, and it wasn't me who attempted any fraud. 
I have screenshots and pictures of the transactions. 
I failed to understand the reason for reporting me to early warning as I have not done any fraud. I was received a wire transfer from the same Capital One bank account holder and I didn't write any fraudulent checks. Why was I reported for no fault of my own? 
Please correct that error, so I can open new accounts and continue on with my business. 
I want this corrected right away please. This was reported erroneously as I see no reason to be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: PA

Complaint narrative:
Reported Identity theft. the account is reporting to my credit as XXXX XXXX XXXX XXXX Account open on XX/XX/XXXX Closed XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
Waypoint Resource Group has reported on my credit report that I owe a debt of {$330.00}. I do not owe this debt. I have never been contacted by this collections agency about this debt. They have not shown any proof of this debt. I want this removed by credit report immediately.

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 2024-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I reached out to the company back in XXXX about removal of the incorrect information on my credit report. They refused to do so I requested the payment information from the account. I was told I had to verify my email by email early XXXX from the company, so I did the information listed was incorrect. They later in the year sent me a letter from a lawyer to contact him even after they were notified the information was incorrect from the initial notice. At the time they were being sued for targeting lowering class citizens and charging interest rates that were above the regulated state requirement. I was also in that category of targeted people. I was waiting the opportunity to go to court. I later received a call from a lawyer saying they could represent me in a lawsuit I knew nothing about I asked them what they were referring to because I was not aware of being sued. She informed me to call my local courts and I did they told me that a summons would be brought to me and it was filed by the company on XX/XX/XXXX. I waited to hear back from the company lawyer after leaving several voicemails and no response. I waited for the company to resolve the issue and then I received a letter from the court stating the case was dismissed XX/XX/XXXX. I tried to get the company to remove the wrong information from me and my co-signer report but they have still not done it. I then received a lean release document from them on XX/XX/XXXX. It is now XX/XX/XXXX and it is still on our reports. I would like them removed immediately and any inquiries associated with the company.

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 2024-01-10 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: MOHELA
State: ID

Complaint narrative:
My student loans used to be handled by a lending company called XXXX but after I started working for XXXX XXXXXXXX  and qualified for student loan forgiveness they transferred my loan to a company called Mohela. I have two issues now because XXXX is continuing to report my student debt as well as Mohela so it appears I have twice as much student loan debt on my report than I actually do.. also Mohela has been violated by the Biden administration and my account is in mandatory forbearance pending my income driven repayment agreement which should be set at XXXX continuing once the issue is resolved but mohelo is reporting that my payments are deferred and they keep adding interest to the balance in my credit report but there is supposed to be no interest during the forbearance. I would like XXXX to quit reporting and have it removed from my report and I would like a Mohela to report accurately and update everything but I have had no luck and it has caused me to be denied for a mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
While in modification to be able to start to repay my mortgage, the company would only allow us to refinance on a higher interest rate, which raised our monthly payments by {$900.00}. We obviously wouldn't be able to cover this extra amount but they wouldn't work with us in any other way, and continued with foreclosure procedures and forced us to accept the refinance or loose our home. Now we have obviously been unable to make this additional payment so we have fallen behind again, and once again being threatened with foreclosure. The only option they give us is to pay 3 months at once otherwise they will proceed with foreclosure. I feel as if they have purposefully put us in this hard spot in order to take our home from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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:
i sent multiple 609 letters and 623 letters requesting the false information be removed, or proven true, and that all information used to support the false inquires be sent to me by way of USPS mail as well as email, i received nothing from either of the three companies XXXX, Equifax or XXXX except letters stating that all information was true, nothing showing who or what information they used to show any of the inquires was true or accurate. just letters stating they wouldnt change anything because they believed it to be accurate. they still havent removed the false inquires from my report yet. they keep re-reporting them as new and accurate each month, year after year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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:
i sent multiple XXXX letters and XXXX letters requesting the false information be removed, or proven true, and that all information used to support the false inquires be sent to me by way of USPS mail as well as email, i received nothing from either of the XXXX companies XXXX, XXXX or Experian except letters stating that all information was true, nothing showing who or what information they used to show any of the inquires was true or accurate. just letters stating they wouldnt change anything because they believed it to be accurate. they still havent removed the false inquires from my report yet. they keep re-reporting them as new and accurate each month, year after year.

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 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I deposited a cashier 's check from another financial institution in person at a branch on XX/XX/24. This transaction is on hold/not being released to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Credit Report says balance of {$600.00} ; I disputed this and recieved no information from this collections agency about this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2024-01-10 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: MA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. US Dept. of Education XXXX XXXX  XXXX. Are all in violations of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Privacy act 1974. 
These are reported as charged off which are considered income and income is not legally reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: L.B.Gray LLC A Debt Collection Agency
State: IL

Complaint narrative:
I received XXXX call followed by numerous calls to extended family threatening a visit at my place of employment if I didn't respond. These calls did not provide reason or details which seem list they were phishing for information. I believe the same people sent me a letter saying I owe money to an apartment complex ( attached ). I've owned a house the last XXXX  years and have never lived outside of Illinois. 

Debt Collection is through LB Gray XXXX XXXX, IN Account Number - XXXX Case # : XXXX Amount Owed- {$7300.00} Owed to : XXXX XXXX XXXX XXXX XXXX XXXX IN ) Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: MD

Complaint narrative:
I understand that it is my right to obtain a copy of my NCTUE report, under the Fair Credit Reporting Act. I am requesting a copy of my NCTUE report sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: LA

Complaint narrative:
These accounts that I did not give my permission to run my credit are still on my report. Equifax has stated they did an investigation but this is not true at all, as I did not give these companies permission to run my credit. I would like to be provided with documentation of their investigation showing proof I gave these companies permission to run my credit. These inquires need to be removed from my report immediately or I will be force to take legal action. 


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Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: ID

Complaint narrative:
My student loans used to be handled by a lending company called XXXX but after I started working for the government and qualified for student loan forgiveness they transferred my loan to a company called XXXX. I have two issues now because XXXX is continuing to report my student debt as well as XXXX so it appears I have twice as much student loan debt on my report than I actually do.. also XXXX has been violated by the XXXX XXXX and my account is in mandatory forbearance pending my income driven repayment agreement which should be set at XXXX continuing once the issue is resolved but XXXX is reporting that my payments are deferred and they keep adding interest to the balance in my credit report but there is supposed to be no interest during the forbearance. I would like XXXX to quit reporting and have it removed from my report and I would like a XXXX to report accurately and update everything but I have had no luck and it has caused me to be denied for a mortgage.

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