vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Everytime I make a payment my XXXX Capital one credit card account is placed on " restricted '' status and the account is frozen allowing no more charges to go through. The first time a payment was made was through a XXXX XXXX account from which I receive direct deposit. I called and was told as a security/fraud threat I need to verify account ownership of the account the credit card payment came from. Why? What fraud exists between a scheduled payment from an account in my name to an account in my name? Is this not something one bank can find out from another bank with a phone call or email? Instead I had to 3 way call between my bank and credit card company to verify account ownership and available funds. Is this not a huge breach in privacy! 

Now I have a job which doesn't offer direct deposit but deposit only paper checks. So I am forced to get a bank account. I made an {$850.00} payment to the card and the funds cleared on both sides and am being told that my account is again flagged for fraud protection and restricted /frozen until I fax a bank statement to prove ownership of this account. This account was opened a week and a half ago and therefore has no statements for another 2 and a half weeks. Do they intend on holding onto my payment of {$850.00} which they have already accepted and reject reoccurring payments for water bills and dentist payment plans until they get verification? Is this not solved by a simple phone call?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I bought a car from capital one, the car is paid off I HAVE THE TITLE, no liens no issues with it the car is mines since they sent me my title and they are inaccurately reporting it as delinquent, I have proof of the vehicle being mines. I also have filed an FTC report because this is holding me back when I go to dealerships they see that the car is mines but its reporting inaccurately. I want this fixed and handled and behind me i have been going back and fourth for the last 2 years about a car I own. If i didn't own the vehicle or if it was bad debt, why do I have the title signed from capital one to me?? I dont know what is going on there end but it has nothing to do with me, I am debt free with them and I want my report to show that or to completely delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
In XXXX, 2021 I reported my credit card as stolen to the credit card issuer ASPIRE. My card, along with my wallet and identity were stolen and I filed a police report describing what had happened. Since then Im mid XXXX I received an alert from my credit reporting agency XXXX stating that I was past due on payment and when I looked into it I saw that this credit card that only had {$1000.00} limit had been charged and used for almost {$15000.00} in debt. Upon looking into this further the credit card was paid with other peoples accounts. I have since called ASPIRE and told them what happened. I had filed an affidavit with them as well as updated and made a new police report describing fully what happened. They closed the fraudulent account, opened a new account and sent me a new card.. however on my credit report they have updated the account as a charge off which means that I still am liable for this debt and am required to pay a big sum of money for something that was fraudulent and not me. This is ridiculous. Ive done all the necessary parts on my end in reporting this and documenting and sending what I have from the police. Ive filed identity theft months before this happened and I have not even close to this kind of money to pay a debt not mine. I want this account to be removed from my life and taken off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This account does not belong to me and should be removed from my credit report on XXXX as well as 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 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My mom died in XXXX. Unknowingly, I paid her Chase bill twice- once over the phone and weeks later with a check when the bill arrived in the mail. More than a month after that I realized Chase owes me {$920.00}. 

Chase told me I should write to them and include a copy of a cancelled check. I would then receive a check paid to my mom 's estate. Alternatively, I can wait 30 to 60 days for a refund. Neither option is satisfactory. 

I don't have a cancelled check since banks no longer return checks ; furthermore, the money came out of my personal checking account which has nothing to do with my mom 's estate. ( I sent them a check from MY account. ) Since I can't provide the first requirements, it's inappropriate that I should have to wait one to two months to get my money back. There is no question that Chase owes me {$920.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 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: NV

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.

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 2022-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I worked full time in 2 nonprofit XXXX agencies from XXXX XXXX XX/XX/XXXX. I began paying on my student loans in XX/XX/XXXX. In XX/XX/XXXX, I was experiencing financial hardship due to an unexpected divorce. I contacted XXXX XXXX/navient in an effort to reduce my payment and was informed forbearance was my only option. I was not offered an income based repayment option. 

I began paying again on my loans in XX/XX/XXXX, when I also consolidated to an eligible PSLF loan with an eligible IBR payment plan and have not missed a payment since. Due to being advised to put my loans in forbearance for 5 years, those years are ineligible for PSLF forgiveness. If I had been offered a reduced payment based on my income, those years would have counted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have 1 negative accounts reporting with Kohls Capital One. The account in questions will be attached to the following CFPB complaint. There are multiple payments reporting late. The late payments being reported was reported during a period of being on XXXX XXXX military and being XXXX. This falls under SCRA. Please review the following attachments and correct the following late accounts to paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Plastiq Inc.
State: CA

Complaint narrative:
I would like to file a complaint against Plastiq. On the XXXX of XXXX we made a payment for {$310.00} through their service. On the XXXX the payment was rejected and we were told we would be refunded the money within 3-5 days. It has now been over a month. I have sent several emails to the company and no one is helping with this refund. I have no other option but to file a complaint as they are not doing anything to see this issue resolved. 

The reference for this payment was ref : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: IN

Complaint narrative:
I bought a car from XXXX  XXXX, the car is paid off I HAVE THE TITLE, no liens no issues with it the car is mines since they sent me my title and they are inaccurately reporting it as delinquent, I have proof of the vehicle being mines. I also have filed an FTC report because this is holding me back when I go to dealerships they see that the car is mines but its reporting inaccurately. I want this fixed and handled and behind me i have been going back and fourth for the last 2 years about a car I own. If i didn't own the vehicle or if it was bad debt, why do I have the title signed from capital one to me?? I dont know what is going on there end but it has nothing to do with me, I am debt free with them and I want my report to show that or to completely delete the 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 2022-03-09 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: IN

Complaint narrative:
I bought a car from XXXX XXXX, the car is paid off I HAVE THE TITLE, no liens no issues with it the car is mines since they sent me my title and they are inaccurately reporting it as delinquent, I have proof of the vehicle being mines. I also have filed an FTC report because this is holding me back when I go to dealerships they see that the car is mines but its reporting inaccurately. I want this fixed and handled and behind me i have been going back and fourth for the last 2 years about a car I own. If i didn't own the vehicle or if it was bad debt, why do I have the title signed from XXXX XXXXXXXX to me?? I dont know what is going on there end but it has nothing to do with me, I am debt free with them and I want my report to show that or to completely delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: IN

Complaint narrative:
I bought a car from XXXXl XXXX, the car is paid off I HAVE THE TITLE, no liens no issues with it the car is mines since they sent me my title and they are inaccurately reporting it as delinquent, I have proof of the vehicle being mines. I also have filed an FTC report because this is holding me back when I go to dealerships they see that the car is mines but its reporting inaccurately. I want this fixed and handled and behind me i have been going back and fourth for the last 2 years about a car I own. If i didn't own the vehicle or if it was bad debt, why do I have the title signed from XXXX  XXXX to me?? I dont know what is going on there end but it has nothing to do with me, I am debt free with them and I want my report to show that or to completely delete the 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 2022-03-09 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: VA

Complaint narrative:
To Whom it may concern, I recently challenged the validity of XXXX XXXX CO Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately. 

What happened? 
The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been removed from your credit report. 

Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : CREDIT XXXX XXXX XXXX : XXXX XXXX XXXX Rock XXXX XXXX XXXX XXXX XXXX XXXX VA 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 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
Upon reviewing my credit report I noticed a collection account from Convergent Outsourcing. Im not sure how that is possible as I have never done business with nor have I been contacted by this company about this debt. I have never received a collection notice or right to dispute this debt notice. I dispute this accounts entirety and I am requesting that convergent outsourcing remove this account immediately from my credit reports and cease ALL collection/communication attempts. I have NEVER done business with nor have I been contacted by convergent outsourcing. 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 2022-03-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Please read attached FTC report. XXXX, Experian, and XXXX I have called millions of times to get this issue resolved. I have a fraud alert there is NO WAY possible my credit should be able to be ran, There is 10 hard inquiries that was ran in XX/XX/2021 which NONE I have authorized please delete from my credit report. The cXXXX XXXX loan delete if it wiont report accurately I have uploaded the title, XXXX XXXX has no proof of ID or anything on file, they advised anybody can get utilities on please delete that from my credit report as well, and XXXX XXXX apartments, somebody moved in my name which I have no clue on how that was done. This is becoming a headache and draining to continue to say this over and over and nothing be done about it.

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 2022-03-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom it may concern, I recently challenged the validity of AD XXXXXXXX XXXX XXXX  Account # XXXX, AR XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Please read attached FTC report. XXXX, XXXX, and Transunion I have called millions of times to get this issue resolved. I have a fraud alert there is NO WAY possible my credit should be able to be ran, There is 10 hard inquiries that was ran in XX/XX/2021 which NONE I have authorized please delete from my credit report. The XXXX XXXXXXXX loan delete if it wiont report accurately I have uploaded the title, XXXX XXXX has no proof of ID or anything on file, they advised anybody can get utilities on please delete that from my credit report as well, and XXXX XXXX apartments, somebody moved in my name which I have no clue on how that was done. This is becoming a headache and draining to continue to say this over and over and nothing be done about it.

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 2022-03-09 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Please read attached FTC report. Equifax, XXXX, and XXXX I have called millions of times to get this issue resolved. I have a fraud alert there is NO WAY possible my credit should be able to be ran, There is 10 hard inquiries that was ran in XX/XX/2021 which NONE I have authorized please delete from my credit report. The XXXX  XXXX loan delete if it wiont report accurately I have uploaded the title, XXXX XXXX has no proof of ID or anything on file, they advised anybody can get utilities on please delete that from my credit report as well, and XXXX XXXX apartments, somebody moved in my name which I have no clue on how that was done. This is becoming a headache and draining to continue to say this over and over and nothing be done about it.

Company response to consumer: Closed with explanation