vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On Friday XX/XX/2022 I visited my local capital one branch at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX to make a ATM deposit of {$400.00}. When I inserted my cash into the ATM the machine shut off and ultimately took the {$400.00} without depositing it into my account. I immediately went into the bank and spoke to a teller who stated That ATM is always giving a problem and you will have to call customer service as we cant help you because the ATM isn't affiliated with the bank. I was taken back by what the teller told me, but I went back to my car and proceeded to call the number that I was given to file a claim. After sitting on the phone for 35 minutes the customer service representative told me if I wanted the credit expedited I would have to contact the number back the following day and request it. On Saturday XX/XX/XXXX I did just that, I called to have to the credit expedited to my account. I was then told that the department was closed and Id have to call back on Monday when the department would be open. Today, XX/XX/XXXX I called Capital One once again to have my money expedited. The original representative transferred me to a supervisor who was very unprofessional may I add, I explained the situation to her and she stated that the claim for my provisional credit to be expedited would continue to be denied and when I asked her why it would be denied she stated no reasoning after getting off the phone after 1 hour I still have no insight on when I will be receiving my {$400.00}. No one at capital one that I have spoken to over the course of 3 days has been helpful nor given me any new insight on when my money will be credited to my account. This scenario is an inconvenience to my financials and not getting the help from my banking institution has not made this any easier for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
THE ACCOUNTS I DISPUTED WERE NOT REMOVED THEYRE NOT MINE. I ALSO FILED A CLAIM WITH FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: TX

Complaint narrative:
THE ACCOUNTS I DISPUTED WERE NOT REMOVED THEYRE NOT MINE. I ALSO FILED A CLAIM WITH FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: Grain Technology, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX I noticed that an account with the grain technology and an unknown address was open on my credit report so I filed a dispute. XXXX of that same year a collection dropped on my Credit report. I sent letters and continue to file disputes with all three bureaus. 
Ive reached out to grain technology on several occasions via email, calling in hopes to speak to a live person and even sent them letters in the mail. In XX/XX/XXXX someone finally reached out to me via email and I thought maybe we can finally get the issue resolved but the company was not able to find an account associated with my name. I was told that someone will reach out to me within two business days to help me with the issue I was having. Days and days went by and I still have not heard from them. After 20 plus disputes and endless phone calls and ignored emails here I am finalizing a complaint. This account is also linked to an address that Ive never lived on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My venture card from Capital One was charged an annual feed of {$95.00} on XX/XX/XXXX. I called Capital One to cancel the card on XX/XX/XXXX and was told by the representative that the {$95.00} fee will be reversed to my account in two weeks. Also she recommended me to change to quick silver card which doesn't have an annual fee. On XX/XX/XXXX, the {$95.00} fee has not be reversed yet. When I called Capital One again, I was told the {$95.00} fee won't be reversed to my card. I am requesting an investigation to listen to the recorded conversation on XX/XX/XXXX and refund the {$95.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing today to get help with incorrect information on my Equifax, XXXX and XXXX Credit report. I have reached out to all these agencies via online dispute and telephone and asked they remove inquiries that I did not request or allow, to this day this has not happened. 
Please remove inquires from these companies immediately as they are inaccurate and damaging my credit score : XXXX XXXX  dated XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not give any of these corporations permission to request a credit report and have asked these agencies to remove this information asap, this has not happened. 

Please help me solve this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: NV

Complaint narrative:
On XX/XX/ 2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
Harris & Harris , LTD has committed fraud and violated my rights as a consumer. On XXXX XXXX, XXXX, I requested validation from 15 US Code 1692g ( B ). H & H was unable to validate the alleged debt. On XX/XX/2021. I filed a CFPB complaint. The Complaint number is XXXX. On XX/XX/2021 H & H responded to CFPB Complaint number XXXX stating that " Unfortunately we have not yet received the information regarding your accounts from the MD-CCU. Once that information is received it will be provided to you at the email you included in your complaint. '' This was multiple violations to my rights as a consumer. Fact, under 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts Under the Fair Debt Collection Practices Act ( FDCPA ) collection agent that can not validate a debt may not collect it or report it to the credit reporting agencies. Fact, 15 U.S. Code 1692c ( b ) Communication with third parties a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. On XX/XX/2021 I sent a Cease and Desist letter. There was no response. On XX/XX/2021, I sent an Affidavit of Truth notarized certified mail to H & H there was no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid 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: OH

Complaint narrative:
Capital One has negligently investigated a timely dispute on a card holder 's account. They claim 100 % fraud protection and did not even allow their own consumer a chance to provide evidence during the investigation period. I have abundant evidence that the transaction was fraud and they do not want to take responsibility that their investigation team did not look at all the evidence. Capital One claims that their investigation process is done by contacting the Merchant in a transaction and solely reviewing any evidence from the Merchant. There is no opportunity given by their own customers to explain, provide evidence, or rebut any information provided by a Merchant. Capital One owes a duty to their consumers to conduct reasonable investigations in fraud transactions but they have violated said duty. See attached letter for full information regarding the fraudulent transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
My wife and I are looking at buying a home in North Carolina and our real estate broker recommended we be pre-approved. We secured a pre-approval with XXXX, with which we have XXXX year history with and it included running our credit report. We asked for an appointment with a builder in NC called XXXX XXXX. Their salesperson XXXX XXXX required us to use their mortgage company, MTH and emailed a link. She stated in an email that we would be REQUIRED to be approved by their mortgage company before going under contract. My wife and I have over XXXX credit scores and a long history of loans and deposits with XXXX and do not want to be forced to use a builder 's mortgage company. I have an email chain documenting the demand from the builder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Attn : Experian XXXX XXXX XXXX XXXX ACCT # XXXX The account was paid in full over a year ago, but today when reviewing my credit report, I discovered that this account has been placed as a " COLLECTION ACCOUNT '' This needs to be removed immediately, as this has been previously disputed and cleared by Experian. Now today, it has been inappropriately and erroneously been replaced as a collection account again!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have been locked out of my account and refuse to restore my login information can't see charges or bill to pay or dispute due to online account locked

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: MO

Complaint narrative:
I have disputed my XXXX XXXX account several times of the past couple of years, and for some reason they keep on verifying incorrect information on this account which I do not understand! They are reporting me late 120 days for three consecutive months which is incorrect and inaccurate reporting! If I was indeed late it should be 120, 150 and 180, but they verifying false information! On my account! The negative months are XXXX and XXXX of XXXX and XXXX of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent Experian 3 letters, XX/XX/2021, XX/XX/2021, and XXXX XXXX regarding two separate accounts from XXXX. They are reporting information that is incorrect stating " paid, was past due 180 days or more '' and reporting history well over 2 years old. This information is inaccurate and is a violation of my FCRA rights. It is damaging to my credit score. I have not received a response in over 90 days.

Ive included copy of credit report for both accounts as well as all three previous letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I contact XXXX XXXX about a fraudulent account on my credit report in XXXX, call them back XXXX about the same account a XXXX XXXX XXXX XXXX and they notify to me that my social security number those not match this account, I contact XXXX, XXXX and they do not have this Account on my Credit Report, I contact Experian and it show on there Credit Report I let Experian know this account is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
First I decided to see if I was going to do a mortgage modification with a company by the name of XXXX XXXX XXXX out of XXXX XXXX, California but they didn't do anything. XXXX decided to reverse my first and second mortgage applying a {$42000.00} balloon payment. So I've decided to reject that modification despite given them XXXX trial payments of {$440.00}. I've been working to make my balance current, but XXXX decided not accept any payments from unless its all paid at once of {$2300.00}. Right now in my mortgage suspense account has {$870.00}. I've been dealing with this company since they were XXXX and rejected {$930.00} was rejected from my bank account. I'm trying to keep everything current but they won't comply and are always screwing up the figures. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
The XXXX XXXX had management run off with the money and when new management came in they had us behind on our rent and they said that i owe XXXX but i really don't and the old company never ever gave us receipts like they said they where they just told us not to worry about it and then it pops up on my credit report and im trying to purchase a house as we speakes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX am writing this complaint under no influence of any third party agency. Please see the attachments below as it contains my complaints and 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