vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In Accordance with the fair credit reporting act XXXX acct # XXXX XXXX XXXX was paid off and needs to be deleted from the credit report, Also XXXX was also closed and settled and needs to be deleted from all three credit bureaus. Both My XXXX XXXX XXXX Acct number XXXX and account number XXXX  were both paid of and settled for deletion on all three credit bureaus.

15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction.

I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: FL

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  acct # XXXX XXXX XXXX was paid off and needs to be deleted from the credit report, Also XXXX XXXX XXXX closed and settled and needs to be deleted from all three credit bureaus. Both XXXX XXXX XXXX 's Acct number XXXX and account number XXXX  were both paid of and settled for deletion on all three credit bureaus.

15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction.

I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. 

Thanks 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 2022-03-25 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: NY

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have Nieman Marcus/capital one credit card and I pay the bills every month regularly. we receive paper bills from mail. my account no with them is XXXX. 

I didn't receive my paper bill in XX/XX/XXXX ( XXXX be lost by mail XXXX ), so didn't make a payment in XXXX as I was not aware of any payments. But when I received the bill in XX/XX/XXXX, I paid in full around {$160.00}. but they charged me interest of around {$36.00} for late payment. I wrote a letter to them explaining the situation that I never received the bill in XXXX and I paid it off when I received the XX/XX/XXXX bill. I even called and explained to them the situation. But they would not cancel the interest charges. so I closed the account in XX/XX/XXXX. 

But to my surprise, they reported me to XXXX XXXX XXXX XXXX as delayed payment. and kept on charging me interest which is now {$110.00}. I called capital one again on XX/XX/XXXX and tried to work out with them about deleting the late payment and cancelling the interest charges. they told me that even though they understand the issue here but they wont chage the credit reporting or cancel the interest. 

we are a well to do family and my husband is a XXXX, so we don't have issues paying our bills. we always paid our bills regularly without any default. in this scenario, we didn't receive the bill in the mail to pay it off. 

so please help me to get the late payment off my XXXX record and cancel all the interest charges on the closed account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25 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: NV

Complaint narrative:
On XX/XX/XXXX, I used my Capital One credit card to purchase an item ( XXXX XXXX XXXX XXXX ) for {$460.00} on XXXX. XXXX sent me a message stating the product was delivered on delivered on XX/XX/XXXX. At that time I was out of town and had my neighbor watch over my house and packages. As of XX/XX/XXXX. I contacted XXXX to report a missing or not delivered item. They ended up contacting the seller to figure out what they could do. On XX/XX/XXXX, I filed a dispute charge on XXXX through Capital One due to nothing being done or seeing a refund on behalf of XXXX. On XX/XX/XXXX I received a letter from Capital One Stating my dispute was closed and that my charge was going to be on my account. On XX/XX/XXXX I contacted XXXX XXXX, to see what XXXX has done and communicated in regards to my item I purchased. XXXX XXXX ended up refunding my charge {$460.00} and it was going to be through XXXX ( as original payment was made ) on XX/XX/XXXX the transaction was submitted for a full refund. As of today XX/XX/XXXX Capital One has not credit or authorized my refund ( according to XXXX ). I ended up sending an email with Chargeback Accountings with XXXX to see what is the long wait and status. Up to date I am leaving this matter to you and see if I could get some legal action with consumers financial and solve this issue before I go to my lawyers office. Thank you and I appreciate your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25 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 XXXX XXXX XXXX deleted my one acct and I am still paying on the acct with account number XXXX. XXXX XXXX with credit one and she stated the one account is deleted and paid off. the second acct is with XXXX  and ends with XXXX XXXX and I already made payments for it. But the other credit one needs to come off the credit reports all three. 
15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction. I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. Thanks 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 2022-03-25 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: OH

Complaint narrative:
I have an issue with my XXXX XXXX XXXX credit card issued by Comenity Bank, customer care phone number XXXX. I spoke to a rep and was transferred to an account XXXX. I then called again later that day and tried to escalate my call to a supervisor. I was told it may not be possible to speak to one. 
I have also spoke to customer care for the vendor, XXXX XXXX. 
On XX/XX/2022, I paid my minimum payment on my credit card. On XX/XX/2022, XXXX was paid bring the balance to {$0.00}. I noticed the error and paid the XXXX on XX/XX/2022. 
On XX/XX/2022, my statement cycled and I was charged an interest fee of {$24.00}. This resulted in a fee only statement. Each time I requested the fee to be waived as a fee only statement and was told it was not a fee and therefore could not be waived. 
I could be wrong, but is this not a violation of the XXXX XXXX or XXXX XXXX policy?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: U.S. BANCORP
State: IL

Complaint narrative:
Elan Financial, servicing the XXXX XXXX XXXX XXXX ( GLCU ) account I have, " converted '' my card XX/XX/2022 with a differently numbered card. It now ends in XXXX. They have been calling me every day in XXXX trying to collect a minimum payment of {$25.00} on this account. I have never received a statement for this new card! I made a total balance payment on the old numbered account ( ending in XXXX ) on XX/XX/2022, but they claimed they never received it. I sent them a copy of the front and back of the check, as they requested, showing that it cleared XXXX on XX/XX/2022. They continue to try to collect. They have not acknowledged the " lost '' check, nor have they sent me a statement since the " conversion '' took place. I have talked to XXXX people at Elan Financial about this, the last a " XXXX '' on XX/XX/XXXX, yesterday. They all say they understand. But I don't. I would like them to A : send me a statement for card XXXX showing all payments made to XXXX. B : stop calling me, and C : don't dare touch my credit rating in the XXXX 's.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP
State: VA

Complaint narrative:
Account XXXX, balance of XXXX original creditor XXXX XXXX SOLD DEBT TO A COMPANY WHOM NEVER GAVE ME THEIR NAME OF THE COMPANY Account was closed XX/XX/2020 was misinformed and miseducated about the balance that needed to be collected on a partial payment. Company didnt give a name of who was collecting my information and intimidated me for a partial payment. Currently theyre still writing charge offs on my credit report and the account been closed since 2020. XXXX negative charge offs! on my credit report UP TO DATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My cell phone was stolen. The thief was able to login to my Chase checking account through the Chase mobile app, it is unclear how they were able to do this as it is password protected. This individual transferred {$2000.00} to themselves via XXXX through the Chase app on the stolen phone. I have filed multiple disputes with Chase and escalated it as far as possible. Chase refuses to recognize the transaction as fraud and will not refund me the stolen money. There is an ongoing police investigation and a suspect has been identified, both Chase and the suspect 's bank are complying with subpoenas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: LA

Complaint narrative:
A tree fell on my house XX/XX/XXXX. I finally settled with my insurance company in XX/XX/XXXX and submitted an insurance settlement check for {$140000.00} to Caliber Home loans in XX/XX/XXXX. Caliber completed inspection in XX/XX/XXXX saying my home is 85 % complete with repairs. Caliber will not release any of my money so that I will be able to finish fixing my house. I have called Caliber Insurance Department since XX/XX/XXXX to resolve this situation and they will not release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heartland Resolution Group, LLC
State: LA

Complaint narrative:
On XX/XX/2022 i received a correspondence from heartland resolution group in regards to an alleged debt. Heartland resolution group has violated many of my consumer rights. Exhibit A 15 USC 169 2b ( 3 ) by printing a full logo on the top of the page. Exhibit B violation 15 USC 169 2b ( 2 ) an alleged debt amount that has a positive balance. Any alleged debt that is owed should print a negative sign in front of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
BSI is my loan services who has charged late fees for 4 months despite having timely paid more than my required mortgage payments. After contact BSI they have failed to explain nor remedy the issue. 

They claimed that one payment in XXXX was processed or received after the grace period even though I have set up auto payments from my bank to be paid with a couple of days at the beginning of each month, and perhaps the mail during the holidays was slow. 

I have always paid my mortgage payments on time and fail to understand how my payment was late given the auto pay process and given 16 days grace from monthly due date I have over paid my mortgage payment by {$22.00} that has previously been applied to added principle and if for some unknown reason it was processed late then the excel payment should have been applied to late payment fees, and it wasnt. 

Concerned that I have been charged late fees for 4 months when my payments were made timely. And these late payments impact my credit and ability to get new financing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: NC

Complaint narrative:
I have sent Amerifinancial many validation letters, the last one being sent XX/XX/2022, asking them to send me the information that verifies that this debt of XXXX belongs to me. I asked for information bearing my signature, that states that this my debt. I have asked for this on multiple occasions, and every time I have been ignored.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company
State: NJ

Complaint narrative:
MERCHANTS CREDIT GUIDE C Account number XXXX Date opened XX/XX/2016 Balance {$390.00} MERCHANTS CREDIT GUIDE XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/2016 balance {$430.00}

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a airline ticket purchase online through XXXX XXXX service for XXXX on XX/XX/31 and XXXX XXXX contacted me in XXXX stating my flight tickets were fraudulently purchases or charged and they would not be able to give me these tickets. We cancelled the fraudulently purchased ones and had XXXX new tickets re issued. I contacted XXXX XXXX  who stated whey would not refund because my tickets were fine ( not ) and i filed a dispute through Citibank and they cancelled my card and sent me a new one and did an investigation through their incorrect dept internally stating since i corresponded wit hthe vendor i was responsible, however they realized it was to be processed and handled through their billing dispute dept since it was for a charge i attempted but did not receive any good or services as it was a fraudulent sale. i have tried numbers time in 3 months to reach someone and get it transferred and they keep telling me XXXX days then nothing happens and i keep starting all over, without any refund. 
i did not receive anything from this vendor. This vendors charge was fraudulent and they never gave me a ticket or a refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I have a Crypto.com Account, with a XXXX card. I was hacked about 6 months ago and the person changed my phone number and email. I'm trying to get my account back. 

I feel as though Crypto.com employees are simply playing a game with me, and it is not funny. for over 5 months, they have made me send copies of my driver 's license, front and back, then a picture of me holding the license to my face, and the first couple were not acceptable so I had to do this 3 times. Then they wanted a piece of paper with the date, words Crypto.com, and some code they give me and I am to hold all of this plus my phone to take the photo but have my elbows in the picture. I don't have 3 arms. We've done about 50 takes of all these things and now they want my phone number. NOW, if the hacker changed my email, he's also going to change the phone number. 

One person said I needed to make a completely NEW email, not the original one that I signed up with, which is illogical, but I did it, and now they want another video of me with another code and looking at my elbows. It's impossible. 

I want my account back. 

XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, CA XXXX XXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: NY

Complaint narrative:
inaccurate/ unauthorized fraud items on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE Bank Credit Cards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: NY

Complaint narrative:
inaccurate/ unauthorized fraud items on my credit report XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONXXXX XXXX XXXX XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
In XXXX I was approved by Carrington Mortgage for mortgage assistance. I was required to make three trial payments. I did so on time. I was asked to make an additional trial payment, and I did as requested. After making the fourth payment, Carrington rescinded their approval stating that I needed my ex-husband 's signature. The company all the required documentation they had requested. They had the divorce decree and the Quit Claim Deed. My ex-husband was nowhere to be found. He had voluntarily left the house over a year ago. 
I have the money to make the house payments. It doesn't make sense why this is happening. Now my house is in foreclosure because the mortgage company will not accept my request for mortgage assistance again. I'm about to lose a home that I have worked hard to keep. 
I am XXXX from college in XXXX and have had outstanding job offers. I want to pay for my house, but the mortgage company has done everything to block that. They did not call me with their plans to foreclose the home even though I requested they call or email when they have issues they wish to discuss with me. I always have to call them to find out what happens next. Now it seems like their tactics to take the home has finally worked. My house is scheduled for foreclosure on XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In Accordance with the fair credit reporting act XXXX XXXX XXXXt deleted my XXXX acct and I am still paying on the acct with account number XXXX. XXXX XXXX with XXXX XXXX and she stated the one account is deleted and paid off. the second acct is with XXXX  and ends with XXXX XXXX and I already made payments for it. But the other XXXX XXXX needs to come off the credit reports all three. 
15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction. I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. Thanks XXXX XXXX

Company response to consumer: Closed with explanation