vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
The date of deposit made in my account was XXXX of XX/XX/XXXX, the amount of deposit made into my account is {$120000.00} ( XXXX XXXX XXXX dollars, XXXX cent ) . I tried making a withdrawal from my account and my account was restricted from making and form of withdrawals. I contacted capital one bank with on the number displaying on my online banking platform, saying call us to resolve the issues and explaining the issues with them. The responds I get getting is, they are investigating the issues and will get back to me with a cashier check when it's resolved. Till date my money is still in my account and they keep posting interest to my account every month, since the XXXX of XX/XX/XXXX. XXXX of XX/XX/XXXX will make it exactly 1year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: FL

Complaint narrative:
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want full validation of the accounts listed above including the originally signed contracts with my signature if you can not verify the accounts you must remove the accounts under FCRA Laws. 

Thanks

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 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services
State: NJ

Complaint narrative:
On XX/XX/2022 I picked up a car at XXXX XXXX XXXX in XXXX XXXX XXXX and returned the car on XX/XX/2022. 

When I rented, the staff told me gasoline is cheaper than outside, so I told him if it is true, I would bring without filling up tank. However, it was not true. Therefore, just before I returned the rental car, I filled up gasoline ; however, they charged me. So, I disputed to my bank with the fuel receipt. This is the final decision letter from my bank : " This letter concerns the transaction described below made with card number XXXX  : Date Amount Description XX/XX/2022 {$320.00} XXXX XXXX XXXX XXXX XXXXXXXX FL The dispute has been resolved in your favor and the conditional credit issued previously to your account is now a permanent credit. '' When I made contract with XXXX XXXX, total rental price was {$250.00}, but XXXX added {$66.00} by regarding the car as having empty tank, total {$320.00}. Since I proved with fuel receipt, bank finally refunded {$66.00} to me. 

Recently, XXXX XXXX XXXX asked Viking Client Services, a debt collector, to collect {$66.00} and I had to respond to them. Because of XXXX XXXX XXXXl, I am spending lot of time to resolve it. Moreover, I am receiving a letter even from a debt collector. 

I appreciate your great help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : The account information is below : Capital One Auto Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Hello. 

My name is XXXX XXXX, I am writing this letter becuase I really help. I had this 3rd party loan since XX/XX/XXXX, when I went to XXXX and decided to stop my XXXX  school and XXXX here becuase I get depress every time I open up my problems about someone hackingmy information but no one believe me. I am XXXX mom, but I work hard school me and my son day time and I go work at night since me and my son come over here in United State. I do had suspicious before XXXX someome hacking me becuase of my school account email or social media, every time I open my account always say 's wrong password. I didn't know about Data Breach XXXX, my information is compromise Anyway, my concern with this letter becuase I had this 3rd party loan from 800 loanmart since XXXX, I am paying this loan monthly since I am back here in USA XXXX XXXX with the amouth of {$450.00}. I admit I pay most of the time late for couple years. But since last year XXXX and this year XXXX. I already explain to loanmart last year about my situation. In fact in 3 Credit Bureau this debit is close. And I thought this debit is close last year. But for some reason the loanmart repossess my car yesterday XXXX in my parking. Then I call the loanmart yesterday and they transfer me to collection service. I spoke to the guy from collection service and explain to him my situation. He said all he can do is lower my balance to {$6000.00} instead of XXXX. I told him even {$1.00}, I don't this time becuase of my situation. and he said he will keep the car and sold it. Now I don't have car to go work or do anything.I am asking help this time. I hope someone can help me get my car back. Until now I didn't get any help from governments. Please I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This letter is to make PHH aware that it has committed multiple errors that have caused me damages and injuries. PHH refuses to acknowledge me as a successor in interest. There is no dispute that my late husband passed away on XX/XX/XXXX. I have sent multiple communications making PHH aware of this. XXXX XXXX sent a letter as well. I have been injured for no less than {$150.00} as of right now. XXXX XXXX sent the letter on XX/XX/XXXX making you aware that I am the successor in interest. I have attached the death certificate, my drivers license, the deed showing I own the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Ive called several times to Bank of America on a XX/XX/XXXX I made a transfer to my credit card account instead of my savings for {$2300.00} I called the 4-5 times requesting my money be returned to me but I was told it fraud protection even though my checking account is with BOA I even called last week and a representative told me my would would be returned today Ive been waiting over a month for my own bank to return funds now I have to wait two billing cycles from my own bank

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 monetary relief
Consumer complaint received 2023-02-22 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: Atlanticus Services Corporation
State: MO

Complaint narrative:
In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose. XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXXAspire XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose. XXXX XXXX XXXX, Nordstrom/TD Bank XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
on XX/XX/2022 I sent Experian the following dispute information to be removed I have yet to receive any communication in regards to my results. I have attached my dispute information as well.

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 2023-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Hi my name is XXXX XXXX, Im XXXX and Im from XXXX XXXX. Im sending this email with hopes of getting some assistance as I feel I have been taken advantage of by PayPal. They are requiring me to pay a fee of {$920.00} which I believe is unfair and unethical. They have also expressed that they will send this to collections which will damage my credit that I have worked hard to build and maintain. 

On XX/XX/2022, a friend of mine was attempting to send me money to purchase something from me and without us agreeing how he would pay me he found my PayPal account and accidentally sent me money via PayPal. When I saw he sent me the money on PayPal I let him know that he used the wrong payment method and we agreed that we would both contact PayPal to reverse the payment and use different means for him to get me the money that dont have such hefty fees. We both made phone calls and I was told by PayPal customer service that it would be handled ( they should have record of this phone call ). They ended up giving my friend a lot of grief and for some reason didnt want to send it back but he let me know he was working on it. XXXX months later he let me know he was able to successfully get his money returned and I didnt think much of it until I got an email from PayPal on the XXXX of XXXX stating that I had been given a fee of {$920.00} and that I needed to pay it asap. I contacted PayPal to find out what the issue was. They told me there is nothing they can do because someone that sent me money made a charge back dispute to get his money back and they are making me pay a fee for that. I was surprised that I could be so heavily punished for other peoples mistakes on their platform and their own customer services lack of effort to fix an issue all because I happen to have an account on their platform ( that I dont even use due to their hefty fees they impose on their users ). 

I never wanted the money sent to my PayPal in the first place, I never accepted it and definitely never even attempted to transfer to my bank account. Me and the other individual made attempts to reverse it through PayPal, their customer support wouldnt cooperate, and I was unaware the other individual was left with the only option to make a charge back against PayPal to get his money back. I am confused how I am being made responsible to pay fees to PayPal because another user accidentally sent me money when PayPal didnt do their part to reverse the payment. 

Please work on my behalf to resolve this matter & remove the fee in order to prevent damage to my credit. Thank you for your time and for your assistance. Let me know what other details you need from me. Respectfully, XXXX XXXX. 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
The months of XXXX, XXXX and XXXX I have made them at the end of each month and they are within the time limit established so as not to be reported to the credit companies as late payments. For example, I paid the month of XXXX, XXXX and XXXX on XX/XX/XXXX, XXXX I paid it on the XXXX and XXXX I paid it on the XXXX. I understand my payment date is the XXXX of each month and I am late but I do not exceed the month and the Company charges me {$35.00} for not paying on the XXXX of each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Attempted to pay a balance in full with Enerbank on XX/XX/23. Paid balance listed on last statement as well as the amount shown on the Enerbank  website. Received a statement dated XX/XX/23 which showed a balance of ~ {$500.00}. 
Called to see how/why this balance existed since the listed balance was paid. Was told that the amount due was related to past interest which wasnt factored into the balance as well as interest accrued from the statement date ( even interest compounded daily wouldnt equate to this amount ). Stated a manager would call me back but have not received a call.

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 2023-02-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I AM LOCKED OUT OF MY ACCOUNT. THE CHASE BANK SAYS I HAVE TO COME INTO A BRANCH TO UNLOCK MY ACCOUNT BEFORE I CAN MAKE TRANSACTIONS OR HAVE ACCESS ONLINE LIKE I HAVE ALWAYS DONE. THE MATTER IS I DONT RESIDE IN THE XXXX XXXX XXXX CHASE BANKS  ARE .... I LIVE IN XXXX XXXX XXXX. 

CHASE BANKS  INSIST THE ONLY WAY TO ACCESS " MY MONEY ACCOUNT '' AGAIN IS TO COME A BRANCH. THAT IS UNACCEPTABLE TO ME .... TO FLY TO THE XXXX FOR SUCH! PLEASE CORRECT THIS MAJOR PROBLEM FOR ME ... .AS CHASE BANK HAS " MY MONEY '' IN WHICH I NEED TO LIVE WITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Presto Loan Center, LLC
State: AZ

Complaint narrative:
XX/XX/2023 they call me that I have to pay {$650.00} off my title loan before they come for it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
on XX/XX/2022 I sent Equifax the following dispute information to be removed I have yet to receive any communication in regards to my results. I have attached my dispute information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: FL

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. 

You never had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place. 

In addition to the many violations, XXXX is NOT the original servicer of the XXXX Accounts # XXXX. That makes them a third party debt collector under the FDCPA. It shows the accounts are Paid in Full ( PIF ) which means these student loans were paid in full by an insurance claim filed by the lender or guarantor agency. It was paid via insurance. 

XXXX has also failed to properly secure and safeguard personally identifiable information for more than XXXX XXXX borrowers, including myself during a recent data breach of its servers.The particular PII allegedly included my addresses, email addresses, phone numbers, and Social Security numbers. The complaint argues that the release of that information resulted from XXXX ( XXXX ) failure to secure the data, ( XXXX ) failure to comply with industry standards, ( XXXX ) unlawful disclosure, and ( XXXX ) failure to provide adequate notice of the incident. 

What I am demanding right now is that you guys delete the multiple XXXX Accounts # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.

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