vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Merchant Name : : Accounting Instruction Help & How To ( the Key person and accounting instructor ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I purchased yearly cost {$190.00} accounting online courses XXXX ) I received the email immediately from Capital One : asking me, if I approved this purchase. I said yes. 
XXXX ) I immediately sent email to XXXX XXXXXXXX in case having problem to get Capital One approved the charge. -- please let me know. 

XXXX ) on XX/XX/XXXX, the merchant without my aware/knowledge and without my authorization ( since the merchant had my credit card number from my XX/XX/XXXX purchase ), charged my account {$190.00}, Capital One approved the charge and credit to XXXX XXXX XXXX XXXX even merchant without my authorization to charge. 

XXXX ) on XX/XX/XXXX, I canceled this credit card ( which I provided to merchant on XX/XX/XXXX. 

XXXX ) Around XX/XX/XXXX, Capital One issued me the NEW credit card with new secret code. 

XXXX ) on XXXX XXXX, XXXX, I tried to use this New credit card -- and found out I already had balance due {$190.00} charged on XX/XX/XXXX by the merchant ( XXXX XXXX XXXX. ) XXXX ) I am so scary : merchant not just not have my authority, furthermore can get my new issued credit card number and got approval from Capital one to charge my account .again.. 

XXXX ) on the same day XX/XX/XXXX, I immediately called the Capital One, the case number : assigned XXXX. : XXXX Capital One did temporary credit back my account {$190.00} -- case will be in investigation periods for 90 days.

10 ) When I mentioned to Capital One that the whole issue for this case is : merchant charge my account without my authorization. Capital one should requested the merchant to proved the evidence/proof that they did get my authorization to charge my account. 

11 ) It is very difficulty to communicate with Capital One staff -- : may be my XXXX is not so good, they can not understand me. All Capital One focused are : Instead to ask merchants to provide they got my authority to charge my account, All they wanted to know if merchant provided me the merchandises. So far my only order/purchase -- was on XX/XX/XXXX and I already. paid by credit card {$190.00}. 

Thanks for the help! Appreciated!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OH

Complaint narrative:
On XX/XX/XXXX, I was notified that my student loans were forgiven. I reached out to Mohela in XXXX and XX/XX/XXXX to ask when my credit report would be updated with the information. I received XXXX notice that the information would be updated and in XX/XX/XXXX it was not updated as I received a message stating that they would respond to the message that I submitted on XX/XX/XXXX. There has been no update. When I disputed this with XXXX, I only got an update with the old balance and nothing reflecting that the loans are paid in full. This has been going on for seven months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
XXXX is reporting my personal information with out my permission per 18 USC 894. XXXX is reporting XXXX XXXX and inaccurate information about XXXX XXXX, this is a violation of 15 USC 1681. XXXX is also violating 15 USC 6801.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX is reporting my personal information with out my permission per 18 USC 894. XXXX is reporting XXXX XXXX and inaccurate information about XXXX XXXX, this is a violation of 15 USC 1681. XXXX is also violating 15 USC 6801.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Both XXXX and LVNV Funding are reporting false information on my credit report. According to their records I have a charged off account with XXXX XXXX XXXXXXXX XXXX as of XX/XX/2023. I did not have an account with XXXX XXXX at that time and have not had an account with the company in quite a while. These XXXX companies have failed to provide me with an itemized list of what these charges they are claiming I owe are for nor have they provided me information in relation to how I owe this alleged debt as I have not held an account with that company during that time. I would like to see the final bill in my name with the address I was residing at the time this so called money was owed. Also please provide proof that comenity bank XXXX XXXX has sold this alleged debt to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
in accordance with 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 1681 section 604 a section 2 states that consumer reporting agency can not furnish an account without my written instructions. under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The accounts that harbor late payments that you are reporting are as follows : XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XXXX 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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
in accordance with 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 1681 section 604 a section 2 states that consumer reporting agency can not furnish an account without my written instructions. under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The accounts that harbor late payments that you are reporting are as follows : XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
MY IDENTITY WAS STOLEN IN CREDIT ACCOUNTS, STORE CARDS, CAR LOANS ETC WAS OPEN WITHOUT MY ACKNOWLEDGEMENT I HAVE FILED A POLICE REPORT ALONG WITH AN IRS IDENTITY THEFT REPORT ALSO REPORTED IT TO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: PA

Complaint narrative:
I received a notification from the credit bureau and I have no knowledge of this debt. I never gave anyone permission to sell this debt. The amount is for XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have received 9 Calls from this company over the month of XX/XX/2024 ( actually the company 's computer because they do not allow a live representative to take a call ) when I made my XX/XX/2024 payment -before the due date on XX/XX/2024. There is {$570.00} missing from my escrow account. I have never missed a payment, infact, I pay each forth coming month on the XXXX of each month ( 4days before due date ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On the XXXX of XXXX XXXX reported my account as a delinquent account. At that time it was accurate. On the XXXX I paid off the past due balance and just now ( the XXXX ) I got alerted that they JUST reported me as severely delinquent despite my account online and on the phone showing as being current. When I called to get this corrected their manager told me I would have to call the credit report company to get it fixed. I explained that I am not an XXXX and that they do not control what is reported and that they are fraudulently reporting on my account to the credit bureaus. She then lied AGAIN and told me to call the credit bureau to get it fixed to which I told her I would be reporting them for the fraud.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On the XXXX of XXXX XXXX XXXX XXXX account as a delinquent account. At that time it was accurate. On the XXXX I paid off the past due balance and just now ( the XXXX ) I got alerted that they JUST reported me as severely delinquent despite my account online and on the phone showing as being current. When I called to get this corrected their manager told me I would have to call the credit report company to get it fixed. I explained that I am not an XXXX and that they do not control what is reported and that they are fraudulently reporting on my account to the credit bureaus. She then lied AGAIN and told me to call the credit bureau to get it fixed to which I told her I would be reporting them for the fraud.

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 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hi there. I have read my credit score and something is not right. I haven't opened a new product and either have done over 12 months a late payment. My past historial credit report with missing or payment was due to a particular reason explained to my creditors not being this my intention, after of that not good experience I have kept a behavioral exceptional so I encourage to you to investigate because all my payments are on time and not asking for new products of credit to get a drop of XXXX or XXXX points, so I don't trust this credit report and not coming true. It looks like pull on to accept a higher membership such I am not interested. I would prefer not having an open membership with you because is not trusty or not responding to the true. I could assign a financial attorney for this and resolve this issue. 

For contact, I am searchable I'm XXXX XXXX, if it is necessary. But the true it demands a deep investigation from my side or your side, of if is other person using my credit, such I don't share with nobody else. 

Sincerely, XXXX 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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This a count was removed and now show back up under a different name this account was open due to fraud and needs to be removed again I never had an account with this Lender. Please remove the following account. 

XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX Account number XXXX Reason : Fraud account and was peroviously removed under the name XXXX. 

The account above was listed and removed from my report due to fraud under the following creditor name : XXXX Account XXXX XXXX Please remove and Prevent this from happening again please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This a count was removed and now show back up under a different name this account was open due to fraud and needs to be removed again I never had an account with this Lender. Please remove the following account. 

XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX  Account number XXXX Reason : Fraud account and was peroviously removed under the name XXXX. 

The account above was listed and removed from my report due to fraud under the following creditor name : XXXX Account XXXX XXXX Please remove and Prevent this from happening again please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For the last XXXX months, I've been asking Experian to remove inaccurate personal information from my report and provided evidence to support my request. However, Experian has once again failed to investigate the matter.

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 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Poor customer service practices in Citibank 's fraud department. 
XXXX : I rec 'd a fraud alert in app and promptly called the bank, as the primary account holder. I provided my full name, code word, personal credit card #, and additional XXXX card # ( business account ). Rep would not listen and kept talking over me, asking if it was a debit card even though I repeatedly stated this additional # is a credit card and the only other account I have with this bank. I explained we are trying to add this card to a new phone. Rep says she can not verify me to be myself and can not send a code to my phone despite all the information I already provided. Rep asked for the account # s for other banks ( checking ) that pay my credit card. Really? never heard of this. 
1st Rep was unprofessional and kept asking for more and more info after I answered her Questions. She would not send text to my 1st or 2nd Phone # s or my email address on file. This rep asked if I was at work or had access to my work info, on a SATURDAY. There is no connection to my work and this card. I listed no work # or email. Rep tried to hang up on me, while I asked for the manager many times. Manager came on call and tried to add card to our 2nd phone. Manager was more professional but was not able to add card due to technical issues. 
XXXX : called to try and resolve again, same issues. 
Gave password, card holders name, credit card #, business card #, Rep still asking for NON citibank private account/ checking # s. Requested to verify with alternate phone # s listed on Citibank account. All additional card members on the line as well. Agent would Not verify via three phone # s listed on account. Goal post keeps moving. Big waste of time last 22 days. Fed up, will cancel card after 35+ years.

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 2024-02-25 00:00:00
Product: Credit 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: NH

Complaint narrative:
Capital One Venture Convert Rewards tile does not work. 

Half of the times, when I try to convert miles to rewards for partner airlines, the capital one system blocks it at the authentication step. I have the same personal phone number ( registered in my own name ) with capital one for last 5 years or so and never had an issue until now. It keeps rejecting saying " unable to authenticate this number '' and after I talked to a customer serivce agent, its not mathcing the same number to the record on file. Its important to being able to transfer the points when needed to make best use of the promotion but Capital one just fails you and when you call for help they tell you that its your problem and there is nothing they can do. What a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Would like free copy of my credit report pursuant to my right. 

Attached are copies of my drivers license and social security card. 

My mailing address is XXXX XXXX XXXX, XXXX PA XXXX. 

Please update address on my credit report,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting 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:
These inquiries are all fraudulent from XXXX credit report. Please remove. 

XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX ( XXXX XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, DE XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, DE XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX ) Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX ( XXXX XXXX XXXXXXXX, XXXX, VA XXXX, ( XXXX ) XXXX ) Requested On : 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 2024-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
I called Hyundai Motor Finance on XX/XX/XXXX and requested they XXXX  the lien release. They told me they mail out on Tuesday and Thursday and they would mail it out the next day. When I called XX/XX/XXXX for a follow-up, they informed me that it was not sent via XXXX  at all. They said that the lien release I requested on XX/XX/XXXX was sent XX/XX/XXXX and should take about 7-10 days. I requested a XXXX  for the lien release and they promised me 3-5 business days and they also promised me I would have the XXXX  by XX/XX/XXXX. When I asked them how much, they said they didnt have a price. I called them again on XX/XX/XXXX and asked for an update and the manager said I should get it by the end of the week. I do not have either copies they allegedly sent. Today is XX/XX/XXXX and I still do not have the lien release from my request on XX/XX/XXXX and XX/XX/XXXX. The tracking number currently shows that only the label was created XX/XX/XXXX and it was not shipped yet.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I want the account removed from my reports at the XXXX credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX  to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all XXXX credit agencies. I should not have XXXX accounts showing from this company. I will be getting a audit down on my loan. I also want to opt out from my information being reported under law that request need to be performed within 72 hours. 

Acct # XXXX Acct # XXXX

Company response to consumer: Closed with explanation