vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
According to Capital One Auto, a consumer credit transaction application/contract was manufactured by XXXX and furnished to me XX/XX/XXXX for a XXXX red XXXX XXXX for the alleged amount of the total sale price {$40000.00}. The Finance Charge of {$11000.00} and the amount financed {$27000.00} with a total of payments, {$39000.00} with a {$340.00} down payment. The contract also stated and identified me the consumer with full security interest. ACCOUNT # XXXX I received several monthly statement requesting payment of account with the alleged debts and it's due balance which I offered to perform in good faith to settle upon the condition that Capital One Auto provide me all the necessary proof of evidence pursuant the " Fair Debt Collection Practices Act '' [ 15 USC 1692 et seq. ], which I listed in requests documents numbered below. Also I have discovered in the contract provided that TITLE 15 U.S. Code 1601 TRUTH IN LENDING ACT WAS NOT EXERCISED NOR DISCLOSED NO WHERE IN THE SAID CONTRACT WHICH CONSTITUTES A DEFAULT. After viewing other sections of the contract I also discovered there was no mention or disclosure of GAAP with the said contract. 

1. Debt Collector Disclosure which they did not provide with their letter of response. 
2. Affidavit Of Debt Validation which they did not provide with their letter of response. 
3. To Cease And Desist which they ignored. Pursuant the Fair Debt Collection Practices Act, 15USC 1692c ( c ) 4. Requesting full disclosure of GAAP. 
I have given Capital One Auto multiple default and opportunity cure the issue at hand by sending all my affidavits certified mail and they have yet to respond to me with the requested information. 

An Affidavit unrebutted stands as Truth. 

According to, United States v. his, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 1982 ] Allegations in Affidavit in support of motion must be considered as True in absence of counter- affidavit ''. [ Group v Finletter,108 F. Supp. 327 Federal case of Group v Finleter, 108 F. Supp. 327 ] An affidavit uncontested unrequited unanswered, Morris v National Cash Register, 44 S.W. 2d 433 Morris v National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''. 

I have also provided Capital One Auto several exhibits disclosing all their violations of my consumer rights pursuant the FDCPA, FCRA and I also provided them with a detailed invoice. 15 U.S. Code 1692k ( A-A -E ) - Civil liability Also requested Capital One Auto to provide GAAP XXXX Generally Accepted Accounting Principles is the accounting standard adopted by the U.S. Securities and Exchange Commission XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: V and H Portfolio
State: KS

Complaint narrative:
XXXX XXXX XXXX  put a collection account on my credit. I disputed with them they refused to answer my letter or calls regarding why they were collecting. It was sold to another collection agency who i disputed the debt with them and they removed their file from my credit report. 6 weeks later u got a call from vance and Huffman a new collection agency representing the original debt with XXXX XXXX XXXX. I bought a car in XXXX in XXXX inwas in a car wreck and insurance and the gap insurance paid the debt off. The car company went out of bisiness shortly after. The car co pany sold its loans to two different companies. The missouri locations were bought by XXXX XXXX XXXX. I bought my car from the ks location, and XXXX XXXX XXXX still holds the original rights to my original contract. They are not persuing collection and they note that my account is paid in full. They will not privide me anything in writing because they were nit the original owners of the car contract and contract was under XXXX XXXX XXXX or XXXX XXXX. XXXX XXXX does not own or hold rights to collect on a car that was paid in full. The origi al creditor diesnt even exaist any more and XXXX XXXX XXXX nor the current collectio. Company will stop collecting because they told me i habe to prove to them i dont owe the debt. I dint have anything else on that car anymore as it was 3 years ago. I asked all collection companies for a copy if the origi al contract and theur rights to collect on my original contract and no one has provided me that. They have affected my credit acore in the middle of a home biying oricess and caused me to loose the home of my dreams. I am now back i. The process again searching for a new home and it has hit my credit score yet again. This time the lender is willing ti work with me because they see the item is disputed with all credit agencies. But it still affects my score and my ability to get a better rate. Ive spent 3 minths disputting the information with all agencies and niw 3 times over for 3 collection companies.

It is illegal what they are dli g i donot owe any money to them nor XXXX XXXX  but yet they keep trying ti sell the debt to negatively affect my xredit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/2021 I brought a water tank from XXXX for {$570.00} when the hot water tank was delivered I had to wait till a plumber could come and install it on XX/XX/2021 the plumber whom came to install it informed my the the gas gage on the from was shot that I needed to contact XXXX XXXX via the number on the tank to request a replacement. I reached out to several time to find out how to return the thing. My I even contacted my local store on XX/XX/2021 they informed me that a hot water tank from online couldn't be returned to the store. I requested a refund with my bank because I explored every avenue, including buying a new tank that has been successfully installed. I put in the request for a refund and Chime declined the request! This is a theft of funds the tank that was defective and I made every good faith effort to return the item I have the item and will return it with direction on how to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Hello, I am writing to contest a massive downgrading of my credit score. In XX/XX/2021, was offered a Capital One Cabela 's club during my time of purchase at a Cabela 's store. I took the offer, gave Cabela 's my contact info, and paid for my goods totalling {$880.00}. Long story short, I did not receive any notices or bills at my house for three months, until at which point I realized my credit score had sufferred a huge downgrade from XXXX to XXXX. I immediately called Capital One after talking to my mortgage broker and explanied to them the situation. I paid the card balance in full and then closed by account. 

If you look at my credit score and credit history, I have been between XXXX and XXXX for a very long time. I currently have, and have had, four major credit cards, all of which are paid down to {$0.00} on a regular basis. I spend over {$200000.00} annually on all four of my current credit cards, and I have never been late to pay any of these cards. One is XXXX XXXX and three are Visa. 

As a result of my credit downgrade, I have suffered legitimate hardship in trying to secure a recent home loan, refinance my house, get a new car for my fiancee and other issues. Please review my credit history and please expunge this one time late payment oversight so I may continue to have the XXXXredit score I deserve and one I have worked very hard to attain. It simply does not make any sense that out of the $ XXXX I spend on credit each year, and that I also pay down each card very quickly, that a {$800.00} late payment should crush my credit score. It was simply an error. 

Thank you very much, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: AR

Complaint narrative:
I have a letter, from the attorneys that sued XXXX XXXX and clearly states, the account should no longer report late payments, and to delete account from all credit reporting agencies.

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 2021-11-01 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: AR

Complaint narrative:
I have a letter, from the attorneys that sued XXXX XXXX and clearly states, the account should no longer report late payments, and to delete account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have a letter, from the attorneys that sued XXXX XXXX and clearly states, the account should no longer report late payments, and to delete account from all credit reporting agencies.

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 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had listed an item on XXXX for {$1000.00}. The seller had offered to pay me in a check. As I had received the check and cashed it into my account, a few days later the scammer had done some sort of hacking which led to a deduction of {$2900.00} from my account and I am left with a - {$240.00} in my checking accounts. I have no money on me, cant pay a single bill, cant pay for college, cant get food, no transportation, nothing. Kindly please get back to me. 

Scammers XXXX account- XXXX Phone number- XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I received a notice from Portfolio Recovery stating that my account had been sold to them and demanding payment for an account that I have paid off back in XXXX. I worked with XXXX ( a debt settlement company ) and this account was settled by negotiation and closed. I have sent them copies of my payments, but they have continued to harass me and have reported this debt and had to put on my credit report. Portfolio is asking for XXXX for a credit card account that I had. I began working with XXXX and through negotiated payments the account was settled and closed I have sent Portfolio a record of the payments, but they continue to ignore my payment record, and have reported this as a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX is misreporting a balance to all three bureaus on a balance that was forgiven. Please see the attached 1099. This balance was should be reporting to the three bureaus as {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: CA

Complaint narrative:
XXXX XXXX is misreporting a balance to all three bureaus on a balance that was forgiven. Please see the attached 1099. This balance was should be reporting to the three bureaus as {$0.00}

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 2021-11-01 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: FL

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This letter is to file a grievance against PayPal Credit c/o Synchrony Bank business practices. 
I had requested an increase in credit from {$250.00} to {$500.00} XX/XX/XXXX, online with PayPal Credit XXXX I was denied increase based on a report that Synchrony Bank or PayPal had sent me, XX/XX/XXXX. The report stated that XXXX scored me at XXXX on XX/XX/XXXX. After contacting XXXX, I was informed that they do not send credit scores to anyone who requests a report. XXXX also mentioned any requests for a report, is given with current dated reports. I requested an increase XX/XX/XXXX. The denial letter was dated XX/XX/XXXX. 
I am very disappointed in PayPal Credit/Synchrony Bank online business practices. I do not understand how I can be denied an increase based on your scoring of XXXX dated XX/XX/XXXX. I have been challenged with identity theft 3 times over the past decade. My most recent attack was in XXXX. I had reported identity theft with Synchrony Bank/PayPal online in XXXX of XXXX at which time I was given a new account. I thank you for securing my account. I am working hard to maintain financial obligations and on increasing my credit score I would have accepted a denial based on current scoring and/or report but I do not accept this denial from XXXX XXXX. I, just like ALL consumers expect a safe, secure and accurate information on your websiteespecially with any online account. I, as a consumer, expect to be provided with accurate and current information online. There is a lot of cyber-attacks and scammers, as well as phishing for consumers identity. With such disappointment, I am filing a grievance against PayPal Credit/ Synchrony Bank with the XXXX XXXX XXXX , Consumers Protection Agency , and Government Online Agencies . It has been, especially, challenging contacting the right department for my grievance. Your website does not accept grievances or complaints. My only resolve is to write to a po box . I do not know if what you do is legal, but I know it is an unfair business practice. I have forwarded a copy of your response letter through to the online authorities with my grievance against PayPal Credit/Synchrony Bank . As a Consumer, I am accountable for my financial obligations. PayPal Credit onlineis accountable for fair business practices to ALL consumers. I do expect a resolution to my grievance. I do expect a response with correct information as to why my increase request was denied.

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 2021-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: GA

Complaint narrative:
On XX/XX/2019 I enrolled at digitalcraft bootcamp, skills fund advertised student loans. I was under the impression i applied for the XXXX XXXX XXXX student loan. According to credit agreement, the funds will not be disbursed unless the school is in compliance with its funding obligation. The school certification would determine if I am eligible for the loan and for how much. Skills fund recently stated they only do unsecured consumer debt loans, not student loans for bootcamps, and I do not generate 1098 forms. Myself I did not receive a student loan despite being approved by digitalcraft and promoted by skills fund. On my aspire account within my forbearance letter my loan is referred to as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and/or private student loan ( s ). When I called Aspire customer service they stated it is not a student loan and this is a consumer loan despite it showing as an education loan on my credit report and no 1098 forms are listed in the tax information section.

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 2021-11-01 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I had this Lowe 's card and I've always paid it on time and never was late. When I went in to charge materials, I did not know they were putting it on some type of deferment plan. 
During COVID-19, the XXXX I was working at for twenty eight years closed and as of this date, has not re-opened. Then in XXXX of last, year I was XXXX and had tremendous medical bills due to XXXX and XXXX. I was finally able to find a job paying me half of what I was making. Even so, I was still able to pay Lowes but all of a sudden, I was getting bills with $ XXXX monthly payments due to these deferments that I did not know I had. I contacted them numerous times for a need to find some way to extend that payoff period and reduce their monthly payments. The girl I talked to over the phone/chat said I agreed to the deferment at the check out but that's sneaky because I had no idea. This is unscrupulous and sneaky as anything. Now the bill is so out of whack I don't know what to do. I sent them a letter to talk to my wife as I can not use the phone at the job I now have. I am a new hire and don't want to start that kind of thing while I should be working. They emailed me and I again asked for some kind of no interest deferment but I was ignored by Lowes. I need help

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 2021-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have talked to Capital One three times. Each time I've been told that the problem is resolved and I should be getting a credit for {$650.00} for a return that they didn't apply correctly. They actually made the credit in XXXX or XXXX of this year and I thought that settled the matter. THen in XXXX, I get the amount debited to my account out of the blue. I call Capital One and they assure me it's an error and they're fixing it as we speak. Today I get another bill for the same amount. 

I'm at the end of my rope with these incompetents. I want to cancel the account but I can't as long as there is a balance due. I should have a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank wont allow me to access my funds and will not assist me because of verification problems

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