vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 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: FL

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 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 2023-10-20 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: MID FLORIDA FINANCING LLC
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
Car was in an accident. Became total loss. Insurance reached to to company regarding pay off amount. Payed required amount. Now I have a bill and credit implications due to non payed amount. Account was supposed to be settled and have XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Violation of Title 15 Adverse Action : Denial of My Right to Credit I, the consumer and natural person, was denied a credit increase by Capital One when I applied for the XXXX XXXX XXXX XXXX XXXX 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692K. 

Capital One is subject to criminal liability for violating 15 USC 1691 as I have proof I was discriminated against by Capital One due to the response I received. ( Please see denial letter ). 


Capital One is in direct violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was NOT issued. 


Furthermore, my social security number ( as known as MY credit card ) was used and I received NO benefit. This is further proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Capital One.

If Capital One fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will make Capital One criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 


I will also follow up with an invoice for said violations ( { {$1000.00} } per violation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: NY

Complaint narrative:
EXPERIAN is breaking the law. Ive sent EXPERIAN letters and complaints in great detail explaining this. At this point you, at EXPERIAN, are willingly and knowingly violating my consumer rights. The information you continue to report is a discriminatory misrepresentation of my identity. You at EXPERIAN DO NOT have my permission to make reports containing any information from XXXX at XXXX XXXX and XXXX XXXX by XXXX XXXX and you must completely remove those two accounts upon immediate receipt of this. This is not a dispute notice for you to send to XXXX at XXXX XXXX and or XXXXXXXX XXXX by XXXX XXXX in an attempt to pass the blame and avoid your repercussions for breaking the law. THIS IS A NOTICE FOR YOU AT EXPERIAN.

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 2023-10-20 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: FL

Complaint narrative:
On XX/XX/XXXX I signed a contract for Solar Panels on my XXXX XXXX  home through XXXX  XXXX. Part of the contract was a performance guarantee, which stated that the solar panels were guaranteed to produce a specific amount of energy, which could be monitored via a mobile application. 

Within days after the install, I noticed that the solar panels did not produce nearly the amount promised by the company. I contacted the company, who sent a technician out to check the panels. 

I have hundreds of emails saved documenting all of the hours I invested attempting to get this issue resolved. 

I have the original signed contract, which states " If, for any continuous twenty-four ( XXXX ) month period during the Guaranty Period, the Actual System Output is more than XXXX percent ( 15 % ) below the projected total in kWh of the Estimated System Output for the same twenty-four ( XXXX ) month period, as set forth in the Work Order related to the PV System, XXXX shall be obligated to cure any shortfall such that Actual System Output is within XXXX percent ( 10 % ) of Estimated System Output going forward. '' In XX/XX/XXXX, XXXX  finally sent out XXXX XXXX, an independent third party to assess the situation. The findings of the third party were that the solar system that was installed was inadequate, and would never produce the amount of electricity guarantied in the contract. 

I discussed the findings with XXXX, and they indicated that they had no intention of replacing the solar panels with the correct ones. At this point XXXX  charged off my loan and it destroyed my credit. 

I have contacted TransUnion, and filed a dispute, since this was clearly a breach of contract case. TransUnion closed the dispute, and the negative entry still remains on 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 non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Credit collection service has placed a delinquency on all three of my credit reports claiming I owe {$75.00} to XXXX. I am XXXX yrs old and this is the very first collection ever, let me say that again, EVER placed on my credit reports. I have requested for Credit collection to provide me with a full accounting and proof I owe this money, including the dates XXXX claims I owe this money for. 
NOTE : Somewhat suspiciously This debt is being reported under 2 different collection agencies addresses ; CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX and CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX I have previously disputed this debt on XX/XX/2023, and am again disputing this debt, As I have now been denied credit as a direct result of Credit Collection Services violations which now has caused me Material Harm. 
I did have a XXXX account yrs ago but canceled it, yet it seems XXXX continued to charge me anyway. 

Additionally, Credit Collection Service has reported this debt to XXXX, XXXX and XXXX in violation of the FCRA & FDCPA, as a result this debt MUST be removed from the credit bureaus immediately until a proper investigation is conducted. Regardless, I am filing a small claims lawsuit for {$6500.00} against Credit Collection Service since the time they had to conduct a proper investigation has ended. 
Note : seems Credit Collection Service has a history of violating the law, see.. Berkowitz v. CCS Credit Collection Servs., and Riccio v. Credit Collection Servs. Also see Mary Schneider vs Credit Collection Services and many many more.. Seems Credit Collection Services previous legal battle losses and fines hasNOT deterred them to abide by the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Had a Chase Sapphire Reserve card with {$550.00} annual fee. Called to close the account in XXXX. Life goes on. This month in XXXX, I saw a balance of {$550.00} and was shocked to realize that Chase has been charging me {$550.00} annual fee for 3 years without a single inactivity since XXXXXXXX The total fee accessed post my phone call to close the account in XXXX is {$1500.00}. It would amount to {$2100.00} if I didn't happen to check in an XXXX. They have since closed the account but refused to refund the fees. 

I checked my online bank only periodically and have autopay set up for this card. The fee is accessed in XXXX and there is no paper statement. Chase kept all closed accounts also visible for online banking, which is very confusing. If I don't check in an XXXX, I see {$0.00} balance and didn't know this card is still open. 

In my opinion, this is borderlining predatory lending. For such a high fee to be charged repeatedly without not a simple activity year after year. What is the possible reason for customers to be willing to pay the fee with usage of any benefits? Clearly customers do not know they still have the card. They decided to leave the account open so that they can continue to charge fees. Called Chase and they told me there is nothing they can do to waive these fees. 

There is also an inconsistency in their policy. I have a different Chase card with {$95.00} annual fee and that account is closed after 12 months of inactivity, which is the responsible way of handling these situations. 

Would like to make a complaint. With Biden administration doing the right thing cracking down junk fees & predatory fee practices, this is a good example of a large bank exploiting customers of {$1500.00} in fees! And being inconsistent in their fee policy. 

Please let me know if there is anything I can do to get the charged fees back. In this economy, certainly need it back to make ends meet. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I Have an Auto Loan with Westlake Financial, along with full coverage from XXXX XXXX. I was involved in an unfortunate circumstance of an accident that resulted in the vehicle being totaled. XXXX XXXX came by and resulted in balance of {$3000.00}.

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 2023-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I had seen a collection on my credit report with Credence not knowing what it was I asked for validation and I received an envelope full of bills from XXXX XXXX from a residence in Arizona. For the time of these bills I didn't even live in Arizona I'm attaching my driver 's license as proof of that if you look at the issue date. And I get a letter back after I asked them to validate that that they have validated it I don't know how this would be possible. I would like them to remove it from my credit report immediately they are trying to collect for a debt XX/XX/2019 XX/XX/2019 as well as added charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I made payments for {$4300.00} and {$100.00} on XX/XX/XXXX to Citicard. The funds were deducted from my bank account on XX/XX/XXXX and were transferred to Citicard at the end of the day on XX/XX/XXXX. Citicard has not applied the amounts above to my available credit in my Citicard account, and according to their call center reps, they have " placed a float on the money. '' When I first called Citicard on the morning of XX/XX/XXXX to ask why the payment was not applied to my available credit, the call center rep named XXXX called my bank- XXXX XXXX to see if the funds had cleared. A XXXX XXXX XXXX told XXXX the funds had been deducted from my account and that the ACH transfer to Citicard would be complete by XXXX pm XXXX on XX/XX/XXXX. XXXX told me that the " float '' on my account could be lifted after the ACH was complete. XXXX said she would call me back on XX/XX/XXXX to help lift the " float '' on my account so that the payment would be applied. XXXX did call me back at XXXX XXXX. MST on XX/XX/XXXX and left a voicemail on my phone stating she was calling to assist me with lifting the " float. '' When I called Citicard back at XXXX am MST on XX/XX/XXXX to have the " float '' lifted, I was told they could not lift the " float '' and would not apply the payment to my account until XX/XX/XXXX. I explained that the XXXX transfer was complete and they had my money. They still refused. I asked to speak with a supervisor who could help me and who could explain why they were holding the payment and not applying it to my account. I was transferred to several reps and finally spoke with an account manager named XXXX. He said he would not remove the " float. '' He did not explain why. I asked him to find someone to help me. He said no one could help, then hung up on me. I was on the phone with Citicard for XXXX hour and XXXX minutes. 

The payment has yet to be applied to my available credit on my account.

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 2023-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
We bought our house in XX/XX/XXXX  through XXXX XXXX XXXX  in XXXX. XXXX XXXX XXXX  sold out loan to Planet Home Lending. We have had nothing but problems with this company from day one.Tried to say we were in a flood zone which we were definitely not then sent us a statement saying that we owe {$3000.00} for being in a flood zone. Called them multiple times even have proof and sent it to them they kept saying they will fix it and remove it which took months. That being said we kept getting statements in regards saying that we were delinquent we would get two or three statements a week. We even got our old lender from XXXX XXXX XXXX  to try to talk to them with us which they told her they will be fixing things. Then they did not pay our home taxes which put us as delinquent. We have got the runaround for months and we are still going through it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2023 Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to dispute certain items on my credit report that I believe are inaccurate and should be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the disputed items for your reference. I have also asked all 3 bureaus to correct my personal information. My name and it's correct spelling, my date of birth, my address and employer... I also asked for all other incorrect personal information be deleted and removed 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 non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OK

Complaint narrative:
This has happened many times. Every time I make a purchase from XXXX using my cash app card. XXXX rubs the transaction for the total amount plus {$10.00} for any price discrepancies or substitutions. Within 24 hours, the order has been delivered and the actual total is sent to cash app. You can see Im the cash app ledger ( attached ) that the same day the order is placed cash has the actual final total. They could resolve the transaction and make any overage paid available to the account holder ( me ) that same day but they hold it a full seven days. This is my money and they will not tell me why they have to hold it, they blame it on XXXX when I ask them. This is clearly not XXXX as cash app has the final total on their own ledger. I can assure you that if my total ended up being more than the pending an amount, cash app would zap that money from me immediately. How is it ethical to take possession of my money and hold it for an entire week? This is their standard practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I can't see my credit report because my identity can't be verified. I'm a victim of identity theft and I need help I'm losing the battle by myself. Bank accounts and loans and credit cards are being used in my name fraudulently. I need assistance please.

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 2023-10-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I submitted An Auto Loan Application with Bank of America with wrong information and got negative reported.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Company has charged off on account. Income IRS, XXXX etc states income isnt included on a credit report. Charge offs are taxable which means its income. I have not received a 1099 from company and will be reporting that to the irs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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