vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted XXXX transnuin XXXX and XXXX about my XXXX XXXX card no one is helping get it removed I disputing the item several time.. XXXX used my tax return back in 2017 to collect the debt amount it has been over 7 years every time I dispute the item it just says verified I have sent letters and asked how it was verified.. XXXX is not responding to my email or are they reporting to the credit bureous all I get is you have to call XXXX which I did. I am requesting the XXXX XXXX card to be removed from my credit report immediately if no one can provide me information I have been requesting for

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 2021-12-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted XXXX XXXX expirian and XXXX about my XXXX XXXX  card no one is helping get it removed I disputing the item several time.. XXXX used my tax return back in 2017 to collect the debt amount it has been over 7 years every time I dispute the item it just says verified I have sent letters and asked how it was verified.. XXXX is not responding to my email or are they reporting to the credit bureous all I get is you have to call XXXX which I did. I am requesting the XXXX XXXX card to be removed from my credit report immediately if no one can provide me information I have been requesting for

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 2021-12-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XXXX I became aware that CapitalOne had purchased XXXX XXXX XXXX, an institution where I held several IRAs. 
I had lost track of the fact I even had these IRAs because once CapitalOne took over XXXX XXXX XXXX  ( after some research I believe sometime in XXXX or XXXX ), they ceased communications on my accounts. 

Obviously that lack of communication means they didnt even take the most basic steps to protect my interest as a customer. Additionally : 1 ) They didnt attempt to place me in suitable investments. 
2 ) They repeatedly rolled me over into long term instruments with very low rates. 

Once I realized what happened, initial attempts to contact CapitalOne yielded no results. I then took the step of filing a XXXX XXXX XXXX complaint against CapitalOne. XXXX the XXXX complaint, CapitalOne agreed to liquidate the IRAs at no charge and send them to my current brokerage retirement account and they sent me a letter to that effect ( dated XX/XX/XXXX and signed by XXXX with no last name ). That really wouldn't be a fully appropriate resolution given their actions ( or lack thereof ) but at least it was a start. However, several voice mail messages to XXXX at the number included in their XX/XX/XXXX letter went unreturned and, to date, there has been no action. 

Although its possible that my account situation is unique ( given the poor and unsuitable treatment I received ), one of the reasons I want to make sure CapitalOne is held accountable for their actions is that there may be tens of thousands of customers who have also been mistreated in the manner I described in this complaint. 
I believe the protection of consumer financial rights demands action be taken against CapitalOne. 

Thank you in advance for your time and help. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
I RECEIVED A NOTICE FOR A SMALL CLAIMS JUDGEMENT, I DID NOT RECEIVE ANY NOTICE FROM THIS COLLECTION AGENCY, I CALLED THEM TO TALK ABOUT THE DEBT, AND ASK TRIED TO SET UP A PAYMENT PLAN THAT WOULD STOP THE JUDGEMENT, BUT THEY WHERE UNWILLING TO WORK WITH ME EVEN THOUGH I WAS WILLING TO SET UP A PAYMENT PLAN ON THAT CALL. THEY SAID THAT THEY SENT A COUPLE OF LETTERS AND WENT RIGHT TO TRYING TO SUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a dispute to Transunion on XX/XX/2021 and on XX/XX/2021 I received the information that the investigation was complete and the 2 collection accounts are verified as accurate. I, the consumer, according to 15 USC 1681a ( c ), am the only one that can verify if the information is correct and I was not contacted for this investigation. They have violated my right to privacy according to the FCRA and VIOLATED 15 USC 1681b ( 2 ) and didn't have permissible purpose to furnish this information to my consumer 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 2021-12-31 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: IA

Complaint narrative:
Request for VALIDATION, NOT Verification XXXX XXXX XXXX, 2021 XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wrote Equifax on XX/XX/2021 requesting that 7 year old entry from closed XXXX XXXX account with XXXX balance be removed permanently from my credit report, but received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I was notified by XXXX that our loan was being transferred to Specialized Loan Servicing. At his point, my XX/XX/XXXX payment had already been posted by XXXX. ( See attached bank records. ) When I called Specialized Loan Servicing to make our XXXX payment, I was informed that we had a past due balance on the account for XXXX. They assured me that no action would be taken and the payment would show up after they finished inputting the transfer and that the 60 day grace period applied because of the recent transfer. After more than one call, the agent promised me there was nothing I needed to do but wait for them to post the payment. They said that they weren't able to take the XXXX payment at this point, even though it was due, because the loan hadn't finished transferring. They advised me to wait a couple of weeks for things to straighten out. I called back on XX/XX/XXXX to make the XXXX payment. They took my payment ( see attached bank statement ) and gave me a confirmation number. I tried to access their website later in the month to make the XXXX payment but I was denied access because of a delinquency code. I then called them and was informed that I was past due for XXXX, XXXX and XXXX! After some inquiry, they admitted that they could see the XXXX payment but they wouldn't apply it because of the past due from XXXX. I was instructed to mail a letter containing proof of previous payment. I told them I was hesitant to make the XXXX payment, even though it was due since they weren't applying my XXXX payment. Despite my concern, they refused to transfer me to a supervisor or provide any reassurance that they would apply my payment. When asked which government agency regulates them, the agent deflected the question by saying that we had a bankruptcy discharge in XXXX and that she was unable to help me further but they had a lien on the property. It is my belief that they are purposely not logging our payments in order to foreclose on the loan. They have a history of this behavior and the Consumer Financial Protection Bureau ( Bureau ) issued a consent order against Specialized Loan Servicing, LLC ( SLS ) in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

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 2021-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been Capitol one Credit card holder for 5 years. 
The last couple of month i was not using the card as i was in the process of buying a property and maintained XXXX balance. 
Capital one sent a letter to me to collect more information but i did not received the mail and its no notification when i login to my account. Capitol One closed the account XX/XX/2021 became i was not calling them. 
The card has XXXX balance and i was not using it and Capitol One cant explain what info they were needed as the card been not used. 
I collected XXXX bonus miles over the years and Capitol One taking it away because they closed the account. 
I called the supervisor said, if i open an account again, they will NOT honor those points. 
They admit that that i earned those points but they closed my account. 
Capitol One need to reimburse me for my points what has {$770.00} value.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Request for VALIDATION, NOT Verification XXXX XXXX XXXX, 2021 XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

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 2021-12-31 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: IA

Complaint narrative:
Request for VALIDATION, NOT Verification XXXX XXXX XXXX, 2021 XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

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 2021-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I qualify for Recently Approved and Funded California Mortgage Relief Program to pay the arrears mortgage payments and fees on my mortgage and to bring my mortgage account current. I was told by California Mortgage Relief Program that although I qualify for this relief, Axos Bank the servicer of my loan is not participating in this program. 

In the meantime, Axos Bank has continued charging me with excessive fees and chatges for the delinquent payments. 

I would like to utilize the available California Mortgage Relief Program to pay the delinquent payments and bring my mortgage to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Skopos Financial, LLC
State: NM

Complaint narrative:
Skopos Financial Recently lost a law suit and a major case against illegal and unfair loan practices. I was included in the law suit. They had to pay me all of my monies back. This issue is they also agreed to remove the negative reports from my credit and they have not removed it from all the reporting agencies. I have written them several times for the inquires to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, On XX/XX/2021 I authorized a Purchase using my Debit Card with Capital One for {$20.00} to be paid to XXXX. The purchase went through and funds were placed on pending transactions. On XX/XX/2021 the transaction cleared my account and the {$20.00} posted to my checking account. I noticed the same amount was still being held-I didnt authorize a second amount but now I have a total of {$41.00} unavailable to me ( {$20.00} that posted to my account and a pending {$20.00} debit authorization to XXXX which was approved XXXX XXXX ) it appeared the system didnt recognize my payment posting and completing so I gave it another 24 hours. I called XXXX to make sure only one payment was authorized and they confirmed what I saw online, 1 original payment. They also said it went through and didnt come back in anyway. I called capital one today and they verified the {$20.00} that completed and posted to my account was the same as the hold. I clarified that they were stating they agree that this should have released the hold once the payment was completed but they have policies and can not do anything. The rep I spoke with said they agree that it didnt make any sense why they would continue to hold money for a transaction that has now completed and fully posted. XXXX was paid and theres zero risk of any potential loss-yet the managers XXXX and XXXX could care less. Its the equivalent of me taking {$50.00} out of the atm and they hold {$50.00} more just in case. After they confirmed that they were able to discern that it wasnt two separate charges, more of a system glitch but not their problem. As of today, I have been told its not fraud and there is nothing I can do about them holding money for a transaction that was already paid and completed. I authorized one payment for {$20.00} not two and once it posts to my account, continue holding the money for the same payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX Address : TBD, XXXX XXXX NY XXXX XXXX : about {$610000.00} Annual income : {$95000.00} Rent : {$2200.00} Current Outstanding Principal : about {$75000.00} Cars Outstanding Principal : about {$37000.00} New Mortgage amount : {$200000.00} Reason : To consolidate debts. 

On XX/XX/2021 I applied to refinance XXXX Condo. with Wells Fargo Home Mortgage, I had verbally confirmed my eligibility and we agreed to pursue. 
On XX/XX/2021 I submitted the majority of required document and asked to pause on appraisal until I get conditional approval. 
On XX/XX/2021 I was assured by Wells Fargo team that all conditions have met and I should pursue with the appraisal. And I did. 
On XX/XX/2021 - I was verbally given closure date - XX/XX/2021. 
On XX/XX/2021 - I was verbally given closure date " before XXXX '' XX/XX/2021 On XX/XX/2021 - I was given a new date XX/XX/2021. 
On XX/XX/2021 - I received a call stating that I do not qualify for refinance, because the mortgage does not meet XXXX XXXX requirement for investment property " it is 27 %? renters in the building '' On XX/XX/2021 - I asked to provide me an official decline letter in writing. The company failed to provide me a letter. I also asked the company to reimburse me for appraisal fee. 
More references available upon request.

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 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
By closing my account on XXXX XXXX XXXX without letting me know and putting me in a lot of emotional trouble I want Bank of America to give me my money they are holding in my account before the first of XXXX otherwise they will have to pay me XXXX XXXX XXXX dollar to repair the emotional damage they put me in.

Company response to consumer: Closed with explanation