vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-18 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: NJ

Complaint narrative:
I recently complained about XXXX reporting to Transunion a bankruptcy on my credit report. XXXX advised to me on XX/XX/XXXX that the bankruptcy was removed from their system and that they stopped reporting to Transunion. On XX/XX/XXXX XXXX advised on their website that they stopped reporting to Transunion in regard to bankruptcies. XXXX responded to me that they have to authenticate my identity when they have already done so and sent me a letter explaining that the information was removed. I have enclosed documents for reference. Transunion needs to delete the bankruptcy off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I purchased an item from XXXX XXXX on XX/XX/XXXX and did not receive a statement until XX/XX/XXXX and it had late fees and an interest charge. I called and told them I had not received a statement and they waived the late charge, but I paid the interest and the payment on XX/XX/XXXX with my debit card over the phone. I have bought nothing with this card since then. I have had no correspondence with them since XXXX of XXXX. On XX/XX/XXXX I receive a bill from Comenity Bank for {$96.00} and it is nothing but late fees and interest charges. I call on XX/XX/XXXX and talk to XXXX and she tells me she will waive the late fees, but I will have to pay the interest of {$11.00}. I did not want to do it over the phone and was going to do it online so I would have a time stamp of payment. The only way to do that was with my checking account and I was not giving them that information. I called back and got XXXX and now it is {$15.00} that I owe, and he will waive the late fees. I am frustrated and pay it and ask for this card to be cancelled. I look online and my payment is pending yet I did this on XX/XX/XXXX and it did not show up on their site as paid until XX/XX/XXXX, but shows on their site as XX/XX/XXXX and all the other charges are still on the account. I call back and get XXXX XXXX and he want to know if I want to make a payment. I explained it all to him again and he says he will take care of it and I told him I wanted this card cancelled and he said he had put in a request to do so. I told him I better not get another bill and he said I would and there would be a {$1.00} charge and to call back and he will take care of it. This is a never-ending problem with this credit card. I paid {$15.00} I did not owe. This company is stealing from its card holders

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: PA

Complaint narrative:
I would like to draw your attention to XXXX XX/XX/2022- I had sent my complaint letter to Crypto.com, in which I clearly stated how this scam has affected me personally, psychologically and financially. I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
Between XXXX XXXX XXXX  I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX XXXX XXXX XXXX account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The following consumer reporting agency is furnishing inaccurate information and accounts. Please remove the inaccurate information and accounts immediately.

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 2023-03-18 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: NY

Complaint narrative:
On XX/XX/XXXX, I initiated a balance transfer in the amount of {$150.00}. Unwittingly I tried to send it to a debit card instead of a credit card. I called Capital One and requested the action be cancelled. Meanwhile I paid off balance which includes the {$150.00}. I was informed by Capital One that a check would be issued for the refund. Within a week, XX/XX/XXXX, I received a check from Capital One in the amount of {$150.00}. I deposited the check and the next day I was informed that a hold was being placed on the check because capital One wasnt going to honor it. I again called Capital One and once again a case was opened. On XX/XX/XXXX, Capital One issued a credit to m credit card account in the amount of $ XXXX issue resolved! Today, XX/XX/XXXX, I look at my checking account and see that on XX/XX/XXXX, I have been charged a {$15.00} service fee from my bank, XXXXXXXX XXXX, for the charge back caused by Capital One not paying the check. I called Capital One yet again- the third weekend in a row- and after 1:22 minutes I am finally told that Capital One will NOT reimburse me for the service fee. This in my view is unfair. I acted in good faith and Capital One did not. 
Case # XXXX & XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18 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: OH

Complaint narrative:
The account XXXX is incorrect on all XXXX credit bureaus. Upon reviewing the report today XXXX I notice that the information is still incorrect. I am asking that this account be removed from my credit report for the information shown is inaccurate.

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 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I was purchasing XXXX tickets and when I went to pay, they offered an XXXX XXXX that offered XXXX points if you applied for the card and spent {$1000.00} in the first 3 months. So instead of using my XXXX XXXX to pay, I applied for the card, was approved, and purchased {$1800.00} in tickets. Less than 24 hours later, they started offering XXXX points for the same transaction. I contacted FNBO bank that issues the credit card and explained that it didn't seem fair that had I waited less than XXXX hours to do the transaction I would receive double the points. The customer service rep agreed and said unfortunately they don't handle the reward points so I would have to contact XXXX for them to help. She provided a number for me to call XXXX, which I did. I explained to the rep what occurred and she said unfortunately since I signed a contract for the card there was nothing that could be done. I said since the promotion just started technically couldn't I just cancel the trip and close the card and just re-apply for the card, since it was less than XXXX hours since I signed the " contract '' and she said she couldn't guarantee they would honor the promotion since they offered it to me already. I explained none of this seemed fair so she escalated it to a leader. The leader said she understood it didn't seem fair and she would escalate it to see if they could make an exception, and someone would call me to let me know the decision and no one has responded. I just don't believe this is fair. Major department stores offer guarantees that if you buy something and it goes on sale shortly thereafter they'll match the lower price. Why isn't there a consumer protection for what happened in this instance? Just like the XXXX hours you have to cancel a contract, why isn't there a similar grace period for promotional offers?

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 2023-03-18 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: AR

Complaint narrative:
TransUnion XXXX XXXX are reporting inaccurate information on my credit report about my student loans XXXX, they are reporting that I have missed payments and have late payments while I'm currently in forbearance and also COVID-19 student loan payment pause I've been disputing this inaccurate information in XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX and they have done nothing to 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 non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I have blocked but continue to call multiple times. 
XX/XX/23 XXXX XX/XX/23. XXXX XXXX, XXXX, XXXX XX/XX/23 XXXX, XXXX, XXXX Never applied in past have called continuious times and woke me @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
We have recently relocated w/ my spouses career of 39 years. During that time I several instances of attempted fraud. We were able to thwart the other attempt. I got notice of a balance on a credit card that had XXXX balance ( I have no credit card debt ) I lost ce in Montana but charges were made for gold & jewelry from a town in Texas for {$6500.00}. Ive never been there, know anyone there, never want to go there! This Sony Visa card issued by Comenity Bank had been in my wallet for 20 years, I used it sparingly and have always paid the balance even before billing! Ive sent them two certified letters, a local police report, called them at least 12 times and still they persist feigning that Im not communicating! This thief in Texas used his own name and address to make these purchases and has been identified as the perpetrator! The Billings Police Dept, report # XXXX the investigation officer called me personally and said this person was caught doing the crime!! This company continues to harass me daily, calls, emails saying its my debt, Its NOT. Im an older women in my 60s and quite uncomfortable w/ detailed tech knowledge, This company is putting us through XXXX trying to force us to pay this card charges that are NOT ours! Very depressed and disillusioned, scared! We need help! Theyre destroying our hard earned financial life!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
This company is reporting a different amount owned with every credit bureau for the same company, I recently sent the debt validation letter from the CFPB site and this company removed XXXX account. ( no response ) This is the XXXX  time I have reported this company removing accounts. 

Also I was covered by XXXX and XXXX during the time of these charges and all other medical claims were paid these accounts were incorrectly billed

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 2023-03-18 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  XXXX  : # XXXX, XXXX XXXX XXXX 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 2023-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights!

Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
I sent the letter from the CFPB site and have not received a response.

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 2023-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have attempted to contact Credit Collection at XXXX and no one answers I sent 2 certified letters to Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX and an alternate address that was reporting on my credit file : Credit Collection XXXX XXXX XXXX XXXX, MA XXXX and I have yet to receive a response on my request to verify this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: OH

Complaint narrative:
The account XXXX is incorrect on all 3 credit bureaus. Upon reviewing the report today XX/XX/23 I notice that the information is still incorrect. I am asking that this account be removed from my credit report for the information shown is inaccurate.

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 2023-03-18 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: OH

Complaint narrative:
The account XXXX is incorrect on all 3 credit bureaus. Upon reviewing the report today XX/XX/23 I notice that the information is still incorrect. I am asking that this account be removed from my credit report for the information shown is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights!

Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

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 2023-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
We applied for mortgage assistance and was still sending in documents that they needed in XX/XX/2023 and never was told if it was approved. But In XXXX they called and said we were behind 3 months. And they wanted 3 months payments we tried but couldn't do it. And now they said it's in foreclosure. My husband is XXXX yrs old and has been affected by XXXXXXXX It has attacked his immune system. We don't want to lose our home. We have no place to go. And if he goes out and catches a germ it can kill him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX. Took 4 times from my account to the total of {$800.00} 3 withdraws of {$190.00} each and 1 {$220.00}. Total {$800.00}. I called XXXX the insisted I ordered it. I did not ever.then called bank.said they would look into it.after about 5 weeks I finally called no info yet from bank called again in 2 weeks. Bank tells me XXXX says I I ordered service, so the decision is in their favor, I loose XXXX dollars. Then my account was closed of 17 years., they wanted the money back after the temporary return of funds. I advised I was not going to pay its

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 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: NC

Complaint narrative:
I, XXXX XXXX XXXX, have attempted to get Equifax credit bureau to remove 2 fraudulent accounts for over 2 months now. I did get a report sent to me by Equifax to show they removed these 2 accounts. Lies. They were not removed. 605B FCRA, is the ruling law here.

I have given Equifax all 4 of the documents I am required to provide to have the fraud items blocked from my file in no later than 4 business days after Equifax gets my 4 documents. Equifax claims the " header '' of my police report is not legible. XXXX. I named the items as the law requires and the report number was clear and readable. An agent read it to me clear as a bell. 
Rude treatment from people not in the XXXX abound. Language barriers are prevalent also. I will include all 4 parts here so when you send it to them 605B will be invoked by your entity.

Company response to consumer: Closed with explanation