vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 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: Caliber Home Loans, Inc.
State: MO

Complaint narrative:
Records Partial Deed of Trust of XXXX XXXX XXXX XXXX XXXX, MO XXXX stamped by notary does not contain my " wet ' signature of valid proof this Partial Deed is valid and agreed upon by me. I requested the deed be removed before the closing sale of the said property and it was not removed, nor proved valid of funds owed by me. I requested my funds reimbursed and credit reports corrected.

Defamation Negligent Enablement if Identity Fraud and document reporting Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 and 28 U.S.C.

Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) A Notary Public is a state public officer appointed and commissioned by the Governor whose function is to : administer oaths, take acknowledgments of deeds and other instruments, attest to or certify photocopies of certain documents, and perform other duties specified by law.

Responsibility of a notary provides for authentication in lieu of notarization in 28 U.S.C. ... That section provides that to meet any notarization requirement under federal law or practice, an unsworn declaration under penalties of perjury is sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On my credit report there is un authorized items on there that don't belong to me. Please see below all the items that are not mines at all. 


1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

9. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: ME

Complaint narrative:
I purchased three tickets from a ticket reseller to a XXXX XXXX  race on XX/XX/XXXX with my Capital One Visa credit card. The race was schedule to occur XXXX XXXX of XXXX. The ticket purchase was billed in 6 installment payments, totaling {$3500.00}. The payments and dates were as follows : {$590.00} on XX/XX/XXXX ; {$580.00} on XX/XX/XXXX ; {$600.00} on XX/XX/XXXX ; {$590.00} on XX/XX/XXXX ; {$580.00} on XX/XX/XXXX ; {$550.00} on XX/XX/XXXX. 
The race was postponed due to the COVID-19 pandemic in XXXX, XXXX and ultimately cancelled on XX/XX/XXXX. On XX/XX/XXXX, the ticket reseller sent an email offering a refund within 60 days of XX/XX/XXXX. On XX/XX/XXXX, the ticket reseller sent me an email with an estimated refund date to occur in XXXX, XXXX. The ticket reseller sent emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating my refund has been delayed. 
Capital Ones dispute policy ( https : //www.capitalone.com/support-center/credit-cards/disputes ) states that A credit card dispute is a process in which you contest that there is a billing error on your account or that a merchant did not honor their terms and conditions. I initiated a dispute with Capital One on XX/XX/XXXX because the ticket reseller did not honor their terms of providing a refund within 60 days. Capital One requested supporting information by XX/XX/XXXX. I provided the supporting information via fax on XX/XX/XXXX. Capital One sent a letter dated XX/XX/XXXX, before the deadline to provide information, that my dispute was not resolved in my favor and has been closed. The reason Capital One provided was that I did not provide the information by the deadline. After I received the letter stating my dispute was closed on XX/XX/XXXX, I immediately called Capital One to ask why my dispute was closed when I provided the supporting information a week before the deadline. The representative on the phone confirmed that Capital One received my fax on XX/XX/XXXX, before the deadline, but informed that Capital One would not have resolved the dispute in my favor because I initiated it 60 days after purchase. 
Capital Ones dispute policy, linked above, does not say a dispute must be made within 60 days of purchase. This is unfair to me because of the long timeline for this purchase. It is not realistic to require me to initiate a dispute within 60 days of a purchase when the race wasnt even cancelled until almost 9 months after the purchase, and the ticket reseller has clearly not met their commitment to provide a refund within 60 days of XX/XX/XXXX. 

I have attached the 6 credit card statements from Capital One with the charges in dispute highlighted in yellow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28 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: CT

Complaint narrative:
On XXXX I sent a letter regarding an accurate and unknown thing 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. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My complaint is that I am owed {$120.00} from BMO Harris Bank. Here are the facts : BMO Harris Bank Corporate Headquarters XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX x XXXX XXXX Loan Numbers : Old XXXX XXXX ( purged system ) I purchased my current residence ( XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) in XXXX of XXXX Financing was through BMO XXXX XXXX loan # XXXX ). 
I refinanced this loan in XX/XX/XXXX. XXXX for a more favorable interest rate. 
After the closing I received a letter from BMO-Harris stating there was a balance in my BMO escrow account of {$120.00}. I called my bank about it, and was told I'd be receiving a check within XXXX days. 

First Call : When I had not received my balance due by XX/XX/XXXX I called BMO Harris XXXX XXXX ] and spoke to XXXX XXXX employees are not allowed to give out last names. ) XXXX informed me that on XX/XX/XXXX BMO-Harris issued check # XXXX and sent to my address. When I told her I never received it, she stated the check would be stopped and reissued. The process was to take approximate 10 days. 

Second Call : On XX/XX/XXXX I called again and spoke to XXXX of Customer Service. She confirmed that the check had been stopped, but it was to be reissued on XX/XX/XXXX and I should receive it by XX/XX/XXXX. I also spoke to a supervisor ( XXXX ) who promised to call me to insured I received the check. 

Third Call : " XXXX '' XXXX of BMO Harris XXXX called on XX/XX/XXXX. I told her I had not received my check. She expressed surprise and told me she would look into the matter. 

Fourth Call : I called on XX/XX/XXXX and spoke to XXXX of Customer Service ( BMO XXXX XXXX. I asked to either see a copy of cancelled check or for them to send me my check. She asked me to wait and give it a few more days. I should have it by XX/XX/XXXX. 

Fifth Call : I called on XX/XX/XXXX, and spoke to XXXX. She verified my current address. I was told the check was in the purged system and a new check is being prepared. It was to be sent by 2 day air on XX/XX/XXXX and be placed in my hand by XX/XX/XXXX. 

As of XX/XX/XXXX I still have not received this check.

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 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I had a brokerage account with Robinhood.com. on XX/XX/21, I authorized Robinhood.com to withdraw {$500.00} from my bank savings account to participate in the XXXX XXXX. 

Robinhood did TWO {$500.00} withdrawals from my bank savings. Neither the Robinhood customer service person can locate nor the Robinhood app shows my {$500.00} cash balance. 

This is even though I have email from Robinhood.com acknowledging the two withdrawals. I have screenshots from the app acknowledging the two withdrawals. and I have a bank statement that shows the two withdrawals. 

I have repeatedly emailed Robinhood.com this detailed information. they have not responded satisfactorily. And now they have ceased responding altogether. 

Robinhood has stolen or lost my money. And I want it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Lowes Credit Card double charged me on XX/XX/2021 for same purchase. I have only made 1 purchase for {$300.00}, but Lowes charged 2 of the same transaction amounts instead. I have requested a dispute over the phone around XX/XX/XXXX. On, XX/XX/2021 I have received Lowes decision not in my favor and said that they would not return my funds to me. As proof they have attached 1 receipt for the 1 valid {$300.00} charge that I made and the second receipt for {$450.00} completely different charge. Lowes has not provided we with receipt for the second {$300.00} charge that they charged me. And refuses to re-investigate. They keep referencing the wrong receipts.

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 2021-05-28 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: NY

Complaint narrative:
I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

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 2021-05-28 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: TX

Complaint narrative:
Hello, XXXX XXXX is reporting me and my husband as late and delinquent in payment. XXXX and the credit report agencies have been give notice that the services they sold us were under fraudulent terms and they could not report it on our credit by XXXX XXXX XXXX since XXXX. 

The amount is {$12.00}, XXXX on XX/XX/XXXX and filed the legal forms in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: WV

Complaint narrative:
CACi has continued to contact me regarding a debt that they have refused to validate. I submitted a debt validation letter to CACi via USPS certified signature return mail which CACi signed for on XX/XX/2021. After ( 30 ) days from their receipt of the letter, CACi still had not responded to me nor provided me with the debt validation that I requested. After XX/XX/2021 I was still receiving phone calls from CACi, so I filed a complaint with CFPD. Shortly after the phone calls stopped. 

On XX/XX/2021, at XXXX XXXX EST I began receiving test messages from CACi from XXXX ( XXXX ) XXXX asking me to click suspicious links and to respond to the text message. CACi failed to respond to my validation request and therefore needs to stop contacting me immediately, otherwise I will seek legal counsel. 

NO PII is being included in this complaint VIA CFPB 's instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters Confirmation # XXXX I paid my account in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: U.S. BANCORP
State: CT

Complaint narrative:
On my credit report there is un authorized items on there that don't belong to me. Please see below all the items that are not mines at all. 


1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft ELAN FIN SVC Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.

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 2021-05-28 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt was reporting on my credit file. I however, never received a 30 day right to dispute notice from Express Recovery. This is a violation under the FDCPA and the FCRA and it must be removed on that basis. I am aware that Express Recovery can report to the bureaus as they deem necessary since they are the furnisher, I ask they remove the collections from my credit file until this debt is validated to me. Until then all negative reporting must cease. Reporting invalidated debt can constitute fraud under both federal and state laws so It would be wise for Express Recovery to remove this immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: TX

Complaint narrative:
I have contacted Transunion about the inquiries in question only to be met with " Inquiries are a statement of fact ''. I have been disputing the following unauthorized inquiries : XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX. Only XX/XX/XXXX XXXX was removed and I am asking that since the aforementioned were not verified, that they be omitted and removed from my report per the FCRA.

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 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021 I deposited my paycheck for {$3000.00} issuing bank XXXX XXXX XXXX  dated XX/XX/2021. 

ITIN:XXXX Business name XXXX XXXX Paycheck made out to XXXX XXXX as a ID : XXXX Today the account is placed on hold my close after the day of deposit. 

I asked how? Then was asked questions not relavent to the verification of my deposit to finish the process and get determination of payment by 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 explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AXOS FINANCIAL, INC.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing today because of an ongoing issue I have been having with XXXX Bank in regards to an auto loan listed on my credit reports. I have attempted to contact XXXX Bank via the dispute options at the 3 credit reporting agencies and also via phone, at all numbers listed on these bureaus as direct contact numbers and also through telephone numbers I have gotten online for their customer service. To date no telephone number has granted me access to their agents or customer service. I have not been able to speak to anyone regarding this issue, to verify the debt amount in documents and thereafter to pay the debt if it is legally accurate. 

The disputes I have filed, based on accuracy of amount reported have all been returned stamped that the company has met FCRA compliance in establishing proof, yet this same proof has been denied me in either written notification, official mail or a proper written response to my disputes under the FCRA. 

I am mystified as to why this would be and have no option but to contact this agency in hopes of finding a solution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I closed my discover card account by notifying the company in XX/XX/XXXX. They promised to close my account and to send a paper bill to settle my final payment. I never got a bill until XXXX which showed the final amount with added on late fees and interest charges. I called Discover on XX/XX/XXXX and told them they did not send me the final bill in XXXX so that I could pay it in full and never paid late. They agreed to remove the late fees and interest charges and told me my final payment was {$1000.00}. I paid the COMPLETE amount by check stat on the phone on XX/XX/XXXX. I gave them routing and account number for my bank and their rep confirmed that it cleared. Their customer rep told me my balance was fully paid, account was closed and they would never bother me again. I got another bill and email for {$1000.00} on XX/XX/XXXX. When I called Discover yesterday i.e. XX/XX/XXXX, they said they would " look into it and open a dispute and get back to me in 15 days ''. They said the payment had not processed, although that is not what they said earlier and they had my bank information already and they had 1 week to process it. In the meantime, they said they would keep accumulating interest and late fees and charge me for it. 
Discover is obviously cheating me because they are refusing to process my check, refusing to close my account and want to keep charging fees/interests to illegally make more money from me. 
This is a disgusting and unethical process. They should not try to leech on desperately to customers in order to make more money from them, and to play these desperate games.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I have never seen this before, there is an account that is listed on my credit file that is unknown and inaccurate as I do not owe. Why wasn't I informed of this? Given the right to dispute? Provided validation? I need help this isn't right.

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