vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-14 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: OR

Complaint narrative:
Hi, I recently made a purchase, using my Capital One Platinum Credit Card. I made the purchase via XXXX to a Seller in XXXX. When I used my linked Capital One Platinum Credit Card, the Seller was charged approx. {$50.00} USD for the money transfer by XXXX. There was no notification alerting me that I would also be charged a fee by Capital One. I thought that I was making a Purchase, but Capital One charged me a Cash Advance Fee of {$30.00}, a Cash Advance Interest on that fee of {$4.00} & listed the purchase as a Cash Advance, which adds up to yet more interest, because it was listed as a Cash Advance & not a Purchase.I do not think that this is fair nor appropriate, because I was not notified in advance that this would be the case. I would appreciate very much if Capital One would refund my account the {$30.00} Cash Advance Fee, {$4.00} Cash Advance Fee Interest & label this transaction as a Purchase, rather than a cash Advance. Suffice to say, I will never again use the Credit Card in conjunction with XXXX  nor XXXX, because it appears that when you do so, Capital One lists the transaction as a Cash Advance. I hope that Capital One will have a heart & just this once consider my position. Thank You. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-14 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: NC

Complaint narrative:
I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2020-11-14 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: NC

Complaint narrative:
I sent a letter to XXXX, Experian and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The Company Did Not Resolved the Matter Plus i Mail a Letter To XXXX  XXXX Requesting them to Add the Information about this closed account Back the the Credit Report and XXXX  XXXX Denied to Fix This Matter and This Account is Not Being Reported to Equifax and i contacted Equifax and they told me to contact  XXXX  XXXX To Fix the Problem with the Closed account not Showing on My Credit Report. 

The Company Did Not Resolved the Matter and Denied the Request and also the Account is not Being Reported to Equifax i Contact The Credit Report Agency and they adviced me to contact XXXX  XXXX and Notified them that there is No Closed Account Being Reported to the Credit Report Agency Dear For i Will Not Continue Make Payment Until this Account is being reported to Equifax The Company Did Not Fix The Problem with My Credit Report with Equifax and this account is still missing from my Equifax Credit Report and XXXX XXXX did not Resolved any inquires about this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
I used Discover Card to pay for my XXXX  XXXX  done at XXXX XXXX XXXX located in XXXX XXXX, Ca. I thought that this clinic was a legitimate XXXX XXXX, but as it turned out it was only a day spa illegally offering medical treatment such as XXXX, XXXX, XXXX, etc. to unsuspecting customers like me. So, I felt cheated and they deliberately lied to me. They put my health at great risk without any concern. The paper I signed, the treatment I received, the sales receipt were all part of illegal operation. Therefore, I asked for a full refund from Discover Card through charge back. Even though I informed them exactly what happened, they still took the merchant side ignoring the legitimacy of the entire transaction. I thought Discover did not do a thorough investigation. What Discover Card did was encourage businesses to conduct illegal transactions at the expense of innocent consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XXXX, Synchrony Bank closed my newly opened ( less than one month old ) XXXX XXXX credit card along with my other three credit cards I had open with them. I had accumulated {$420.00} in XXXX credit according to my billing statement. This money was confiscated by Synchrony. I contacted them and was told to contact XXXX XXXX to find out where the money was. XXXX told me Synchrony never sent them the funds to be applied to my account.

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 2020-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANNER CORPORATION
State: OR

Complaint narrative:
I have just recently noticed that my email account had charges posted then erased idk who would have my email account password tho and I'm apparently missing XXXX that seems to have vanished I cant trace it other than my mailed bank statements which happen to say something about online game idk what game exactly but somehow it was used online alot

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 2020-11-14 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: NC

Complaint narrative:
Ok so for the past year I have been working on my credit score. A week or two ago my score on equifax dropped 10 points because a loan was added to the report. Out of all the credit places equifax is the only one where my score is extremely low. I have 31 inquiries on my credit file on equifax. There is no way that all of those inquiries are less then 2 years old. Equifax gives you a hard time when trying to reach customer service. Every time you finally reach customer service they said that you didnt answer the security questions correctly and you can never get access to your equifax account online at all. The other reporting agencies I have no trouble at all. I would like for those inquiries to be looked at correctly and any that shouldnt be on there i would like for them to be took off. I feel like their ripping me off on my credit score as well. I am in the process of trying to buy a home and if anything hurts my situation it would be equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: IL

Complaint narrative:
CFPB, Experian is reporting an account incorrectly on my credit report and I am attaching a copy of the dispute form so that you can hand deliver it to them since none of them seem to get what I send or correct the items I dispute and their website never works either!! This account which was originally with XXXX XXXX XXXX XXXX and showing on my report as XXXX XXXX XXXX who must have bought them out, is INCORRECT!! They are showing me late during the recession of XXXX when I got laid off and was struggling for a few months on one loan, the one and only loan I have even been late on with them or anyone else, which they still forced me to pay interest only payments on monthly the entire time I was late plus late fees and then made me pay a large balloon payment at the end of the note, every month I paid {$180.00} during the entire time until I paid all off in full, but they are lying and reporting me as paying nothing every month for which I was late, this is defamation and breaking the FCRA!!! I want all documents on this loan forwarded to you and I both showing all payments, my banks has records of all of those payments that were made also, but it is XXXX XXXX XXXX XXXX XXXX XXXX Banks responsibility to PROVE all they are reporting is true and accurate!! 

The date of first delinquency on this account was also in XX/XX/XXXX and actually sooner in XXXX than that, they are just not showing those payments that far back on my report so they can continue to keep this negative information on my account, again more revenge, such hateful evil people. This account should have already been removed from my reports or at the very least be removed before XX/XX/XXXX, but they are not showing this on my reports!!! 

It is fraud to falsely report inaccurate information on my credit reports, not investigate or report it correctly and to leave it on my reports past the time the FCRA allows which is only 7 yrs past the original date of delinquency!!! REMOVE THIS ACCOUNT from all three of my credit reports and send me corrected copies of all three reports immediately or I will have my lawyer contact all to get it done!!! I am also filing a complaint with the IL Attorney Generals office about this.

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 2020-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
We fell behind on our mortgage payments because of being furloughed due to COVID. We went ahead and submitted for a forbearance to protect us until we went back to work. During this time, my wife applied for mortgage assistance through our county and was approved for {$10000.00}. XXXX County clerk of court in Florida sent XXXX a check with a letter stating what and who it was for. After over a month of us calling to find out why they check hadnt cleared and PRMG telling us they couldnt find any check, we found out that they had returned the check to XXXX County because there was one missing number from the loan number that was printed on the check even though there was a letter with the check that had the complete loan number on there. It was no difference than mailing a payment coupon in with a personal check. The county canceled the first check and reissued it making sure that the complete loan number was on the check. The second check was mailed out on XX/XX/XXXX. We have called again and are still being told that no one has any clue about this check. I was told in XX/XX/XXXX to send an email to customer service with all my emails from the county attached. We did that and received a response that they couldnt take emails like that and we needed to go through their portal, which takes at least 4 weeks to get an answer from them. I have tried to ask about the check through the portal and get no answer in return. They cant seem to find a {$10000.00} check! We have since sold the house because we couldnt catch up on our mortgage because they couldnt find this check and lost out on money we should have profited on because they can find this check. How can a mortgage company lose that big of a check!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
I received an alert that a collection popped up from Medicredit that I had never received notifications about, no phone calls or letters. After intense research ( because their website is not user friendly when you have never received a bill with an account number! and there is not a reliable customer service number ), I discovered that the bill in question was from when my son visited the ER at XXXX XXXX last year. Due to a divorce agreement, since I carry insurance on my son, his father is responsible for his medical bills which XXXX XXXX has documentation of. I will be in contact with the billing department on their next business day to get this straightened out, but I am filing the complaint against XXXX because despite that I have had no contact with this company, no phone calls, letters, anything to give me a chance to figure out the origins of this bill and my right to ask for a debt validation they had no problem reporting it to my credit while I am in the middle of a home purchase. This company should have noticed that they did not give me my right to ask for a debt validation and should have noticed that they have not been in contact with me over this matter ( because, it is not my bill.. ) before destroying my credit while in the middle of a home purchase! 

I have attached screenshots of mine and my ex husbands XXXX XXXX accounts under the billing section with the children 's names listed that we are guarantors of and a screenshot of an EOB from the visit the bill originated from with my sons name on it. I also have attached a screenshot of the demographics that is on my sons XXXX, which is his dads address and other contact information.

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 2020-11-14 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: NC

Complaint narrative:
I have the XXXX report showing that the Chapter XXXX has been removed from due to inaccuracies. I have already disputed this several times ; however NONE of the bureaus have actually taken the time to reach out and do a full investigation with XXXX. I requested that XXXX  send me a complete report ( attached ) which will show that the Chapter XXXX is no longer on the report. It needs to be removed from each credit file immediately. As this is my 4th time doing this. Also, I have attached from each bureau the Information for XXXX/Equifax/XXXX Consumers form that is on each dispute completion that clearly states that XXXX  provides public record information to credit bureaus. The entire report is 80 pages ; please read thoroughly. 

XXXX XXXX XXXX XXXX XXXX XXXX https : //equifaxconsumers.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: OR

Complaint narrative:
I requested a copy of my personal information file from Lexis Nexis in early XX/XX/2020. I found numerous information entries for a person other than myself in the file. These entries included personal identification information, property ownership information, insurance policy information and insurance claim information. The other person 's information also included her social security number and drivers license number which are easily determined to be different from mine. Her social security number differs from mine by 1 digit. I have made four calls to Lexis Nexis between XXXX and XXXX pointing out the facts above and demanding that this other person 's information be deleted from my file. I must emphasize again that anyone with a brain could see that she and I are not the same person. During the last call about a month ago, I went through the file page by page, paragraph by paragraph with the representative to point out the erroneous information needing to be removed. After receiving correspondence today about the dispute I reviewed the file and find that the erroneous information has still not been removed. The response they keep sending is ludicrous. It says that the information I want removed is " accurate based on my dispute ''. I have no doubt the information is accurate ; but it does not belong in my file. There continues to be no explanation why the issue can not be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: MS

Complaint narrative:
On XX/XX/2020 I wrote a letter requesting that Equifax investigate inaccurate accounts on my credit reports. I never received a response. On XX/XX/2020, i sent them another letter about them ignoring my request and they need to verify the account. I still haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: MS

Complaint narrative:
on XX/XX/2020 i sent experian a letter requesting them to verify inaccurate accounts that were listed on my credit report. I never received a response. I sent them a letter again on XX/XX/2020 and I still haven't received a response and again on XX/XX/2020. I have yet to receive a response. it's been 6 months now.

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 2020-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX I made my monthly payment to Paypal using my paypal online account. On XX/XX/XXXX I got an email that said " A recent transaction with your bank account ending in XXXX didn't go through and as a result, we have removed this bank account from your PayPal account to re-add this bank account to your PayPal account, please confirm with your bank that all information is correct. Alternatively, you can add another bank account ''. I then went to XXXX and opened an account online. On XX/XX/XXXX I got an email from my bank in reference to account ending in XXXX. The bank informed me that there was some fraud activity on my account and that they needed to cancel my card so they did and they also issued me a new debit card. On XX/XX/XXXX I tried linking my new XXXX checking account to paypal with no success. On XXXX I also noticed that I was issued a late fee on my paypal credit card in the amount of {$29.00}

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 2020-11-14 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: MS

Complaint narrative:
On XX/XX/2020 I sent a letter requesting that Transunion verify some accounts that were reporting inaccurately on my credit report. I never received a response. I sent two more letters. oNe on XX/XX/2020 and another on XXXX. I have not received a response yet and these inaccurate accounts are still showing on my credit report causing me to keep getting denied for credit.

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 2020-11-14 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: PA

Complaint narrative:
on XX/XX/2020 I sent off three letters to the credit bureaus, one to XXXX, one to XXXX, and one to equifax by certified mail to dispute items on my credit report. The letters were received XX/XX/2020 by XXXX and XXXX, equifax received their letter on XX/XX/2020. The fair credit reporting act states that they have 30 days to complete an investigation or else the items are supposed to be removed. I received no response from them at all, after the 30 days was up and not receiving a response from them I sent another letter to them following up on my first letter, still no response from them in any way. I cant even get a representative on the phone to talk to, I'm very frustrated because these companies are taking advantage of the consumers.

Company response to consumer: Closed with explanation