vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 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: CITIBANK, N.A.
State: PA

Complaint narrative:
XX/XX/2016 I purchased a {$1700.00} laptop from Best Buy with computer, XXXX security plan and XXXX XXXX totaling {$2000.00}. I had the laptop for 5 days to a week and the laptop went completely black and wouldn't turn back on. I took it to the XXXX center in Best Buy and they kept it for a week to get it fixed. When I got it back in my possession within 3-5 days I was having the same problem that they were supposed to have fixed. I took the computer back requesting my money back. They said, I was past the 15 day return period. They had the laptop in their possession 90 % of this period. They said, that isn't possible however they would credit me {$2000.00} for the laptop, computer bag, XXXX security plan and XXXX XXXX. I agreed to credit. I asked them if I was free of any charges and they said yes. 
I made total of 6 payments. My last payment was XX/XX/2016. I called Best Buy on several occasions and they kept giving me runaround. After several calls to the company I finally got someone to resolve the issue and that's when I found out the associate never credited my account. Instead he gave me a gift card in the amount of {$2000.00}. I told them I wasn't paying another dime for something I don't own. I had no product in my possession. I used the gift card one time with a purchase of {$690.00}. And after that I missed place the gift card due to moving. When I contacted the company about replacing it they denied me. I received a letter from a 3rd party collection agency requesting me to pay the company. I requested for a payoff just to get it off of my credit report. They recommended that I contact the company. I did and couldn't get a live person to speak with. So, here I am. Best Buy agreed to a pay off in the amount of {$1600.00} something to settle it. And now it states on my XXXX  credit report as a Charge off. {$2700.00} written off. This is a false statement. I have a letter from the 3rd party agency showing Best Buy agreeing to the settlement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX accessed my Experian credit file to open a XXXX XXXX XXXX without my knowledge or permission. The bank can be contacted by mail only.

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 2021-08-27 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: IL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: NC

Complaint narrative:
I have seriously been working on my credit score for the past 2 years with an exceptional payment record with no late payments or delinquencies getting my score up to XXXX with XXXX, At this point I felt ready to investigate my options for obtaining a mortgage to view properties. I opened an account with XXXX in XX/XX/XXXX and have been on autopay as all my accounts are and to my surprise i was notified by Transunion that i had a potentially negative report on my score, when i investigated it was XX/XX/XXXXXXXX saying i was 30 days delinquent, I called XXXX and they told me my account was at XXXX balance and i have {$1500.00} available credit! 
I reported to all 3 agencies my dispute and mailed also to them and XXXX. I did have a compromised bank card back in XX/XX/2020 and cancelled it out with the bank who put in place my new card and mailed me the physical card. All my other creditors and autopay payments went thru fine apart from XXXX who did not notify me at anytime that this occurred, so my XXXX is now at 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 2021-08-27 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: NC

Complaint narrative:
I have seriously been working on my credit score for the past 2 years with an exceptional payment record with no late payments or delinquencies getting my score up to XXXX with Expierien, At this point I felt ready to investigate my options for obtaining a mortgage to view properties. I opened an account with XXXX in XX/XX/XXXX and have been on autopay as all my accounts are and to my surprise i was notified by XXXX that i had a potentially negative report on my score, when i investigated it was XXXX XXXX XXXX saying i was 30 days delinquent, I called XXXX and they told me my account was at XXXX balance and i have {$1500.00} available credit! 
I reported to all 3 agencies my dispute and mailed also to them and XXXX. I did have a compromised bank card back in XX/XX/2020 and cancelled it out with the bank who put in place my new card and mailed me the physical card. All my other creditors and autopay payments went thru fine apart from XXXX who did not notify me at anytime that this occurred, so my XXXX is now at 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 2021-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I received a text message today ( XX/XX/21 ) indicating I owe money to someone or a company. The text is from TrueAccord, a debt collector. They did not include an amount or a way to opt out of the text messages. They did include a link in the text that I have not clicked on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: CA

Complaint narrative:
Hi, I have a BK reporting on my report that should NOT be there. 
First off, each bureau is reporting DIFFERENT referance #. Secondly, they all are reporting different file dates. THIRD, they are reporting different courts! 
This is one of the numbers I have from them, # XXXX. 

FOURTH, I reached out to the courts listed, and they do NOT report to credit bureaus. I wrote the bureaus multiple times and they keep saying its verified. Verified by who? 
I ALSO reached out to XXXX XXXX and XXXX XXXX  said they have NO file for me. 
Its obvious they should have deleted this LONG ago. 
Please have them delete. 

Attached is my report as well as letter from 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 2021-08-27 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: CA

Complaint narrative:
Hi, I have a BK reporting on my report that should NOT be there. 
First off, each bureau is reporting DIFFERENT referance #. Secondly, they all are reporting different file dates. THIRD, they are reporting different courts! 
This is one of the numbers I have from them, # XXXX. 

FOURTH, I reached out to the courts listed, and they do NOT report to credit bureaus. I wrote the bureaus multiple times and they keep saying its verified. Verified by who? 
I ALSO reached out to XXXX XXXX and XXXX XXXX  said they have NO file for me. 
Its obvious they should have deleted this LONG ago. 
Please have them delete. 

Attached is my report as well as letter from 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 2021-08-27 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: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX  BALANCE : {$540.00} STATUS : DEROGATORY ACCOUNT # CAPIT-XXXX XXXX XXXX ( Original Creditor : 08 CAPITAL ONE BANK USA N A ) BALANCE : {$540.00} STATUS : DEROGATORY ACCOUNT # XXXX To Whom It May Concern, I am writing to you in reference to the following : Account Name : XXXX/XXXX  Account Number : XXXX XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account XXXX : XXXX Reason : Miscellaneous Account Name : XXXX  XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX/XXXX  Account Number : XXXX Reason : Incorrect late payment Account Name : XXXX  XXXX  ( Original Creditor : 08 CAPITAL ONE BANK USA N A ) Account Number : XXXX Reason : Unverified account I have disputed this account information as inaccurate with you, and you have failed to respond. 
Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. 
I have enclosed copies of my requests to the collection agency, asking them to validate my debts. 
This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Contacted bank support via mail, email snd XXXX  XXXX via email first week of XX/XX/2020 to close account was advise account gad an available balance of {$100.00} do i want to withdraw or gave check iddued as accounted needed to be at XXXX I withdrew i was advised on a recorded line account submitted for closure i gave it no mind at all thereafter I then received notice of charge off showing in chex systems and ews i again contacted all of the above i was advised there appeared to be a posting error which resulted in fees but rest assured they were were removing all fees and pulling account back from chex and ews 1 of the 3 took place rep advised exact amount showing was being credited back and i no longer haf to worry about as it was very clear there was zero activity past that point

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I hired XXXX XXXX to repair my slow computer. I paid him {$290.00} on XX/XX/2021. He removed the computer from my home and replaced my hard drive. The computer was returned to me. I discovered that he had failed to transfer any of my files from the old hard drive onto the new hard drive. All of my pictures, files, documents, etc. were gone. The computer was still running slow. Despite my numerous attempts to reach him by phone and email he never responded to me. The attached documents clearly spell out my complaints with him. 

Capital One denied my dispute claiming in a form letter that I had not provided all of the information that they need to resolve my dispute, that is hogwash. I supplied every fact that was necessary to document my dispute and resolve the dispute in my favor. 

So for {$290.00} my computer still runs slow and all of my files etc. are forever lost. 
XXXX XXXX is not entitled to be paid for his " services ''. He is an incompetent thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Hi. My XXXX doctor sent a XXXX XXXX  to XXXX XXXX XXXX XXXX, NY for testing. At time of consultation with XXXX doctor I clearly mentioned that send XXXX XXXX XXXX  to only that XXXX  which is in network of my health insurance because insurance doesnt allow out of network providers to be used. Besides this alert doctor decided to use out of network provider. When XXXX XXXX XXXX billed to my healthcare insurance for those tests they denied the payment for services. XXXX XXXX XXXX sent the invoice of {$580.00} to debt collection agency to go behind me for collection. I spoke to my health care insurance and was advised since provider is out of network its not my responsibility to pay those charges. 
This is an harassment from the provider.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I requested for a new credit card at WELLS FARGO as the one I have was damaged it was never sent to me and upon looking at my account I found 3 fraudulent transactions On XX/XX/XXXX Starting at XXXX central time in XXXX for {$70.00}. Then to XXXX at XXXX for {$180.00} The third and final transaction was at XXXX XXXX Im assuming later in the afternoon for {$80.00} in Gasoline. I contacted my bank which says it would be resolved and I wont have to pay for anything but Im still afraid it might affect my credit score, I also was able to get help from the amazing staff at XXXX with finding the receipt and they are looking into it on their end aswell.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: GA

Complaint narrative:
Equifax fails to report correctly and update information, There are two collection accounts from XXXX XXXX XXXX that I sent information to the credit bureau advising these are not my accounts. I also sent them information advising them that these medical accounts are a hippa violation. It has been over 30 days and the accounts have not been removed. I also sent information disputing the 30 day late for XX/XX/2021 for XXXX XXXX XXXX and this has not been corrected either and it has been over 30 days. They actually removed the Medical accounts and put them back on there. These XXXX XXXX XXXX accounts need to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: TX

Complaint narrative:
its been months since i disputed these item and they still haven't been removed, these items are harming my finance and making my life a reck. I feel these accounts are adversely affecting my credit report and costing me thousands of dollars every year. I also feel they credit bureaus and the creditor didn't take my dispute serious and fail to address my concerns. Under US code 1681b-permissible purpose of consumer reports i never gave you the written consent to report anything on my credit report, no consent is identity theft and you can be held civil liable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: OR

Complaint narrative:
We started with AmeriHome mortgage in XX/XX/XXXX. Our very first payment was via check that never made it. So we submitted payment over phone to our mortgage company XX/XX/XXXX for the amount of {$1200.00}. AmeriHome reversed the payment XX/XX/XXXX but funds have not come back to our account. We had to submit another ACH for XXXX payment, on XX/XX/XXXX because of this to stay current on our mortgage. We submitted proper documentation that AmeriHome stated they required to send the payment back on XX/XX/XXXX via fax. We have spoken with several representatives that have given us several different answers as far as whats going on with our payment. Some representatives have stated the payment should be being processed and could not tell us how the payment would be returned or exactly when. When we call to check on the status of the reversal, other representatives try to explain to us that there is no payment or the bank is supposed to reverse it. The bank has confirmed with a trace ID that the payment was sent and never returned. We have been working directly with a banker at XXXX. AmeriHome refers to this document as a transmittal and the bank does not recognize that term. 
Today, XX/XX/XXXX we just received documentation, dated XX/XX/XXXX, that our mortgage is now being transferred as of XX/XX/XXXX, less than a year of being with AmeriHome. If our mortgage is transferred without getting this payment refunded we fear we will never get this money back. The mortgage company is being extremely uncooperative and we need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc.

Complaint narrative:
For a hospital bill of XXXX dollars from almost 6 years ago. I got ta 9 phone calls this week alone. I've talk to them 5 times and told them to stop the calls and stop harassing me at work. They lie their rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation