vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There has been information published on a consumer report that I never gave either company ( XXXX, Equifax & XXXX ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ) .According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with ( XXXX XXXX XXXX XXXX XXXX ). They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX, I placed a charge for a refrigerator from the XXXX XXXX -Order # XXXX, {$800.00}. On delivery date of the refrigerator, XXXX, I was delivered a wrong refrigerator. It was a cheaper model that I did not want or ordered. I told the delivery driver about the mistake, but he just took off. I spent at least an hour on 4 calls with the XXXX XXXX to sort things out. I called on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. I wanted the higher price model I paid for and the wrong refrigerator picked up. I was told that I was getting a refund for the refrigerator instead but that never happened after 4 calls in over a month. 

Citibank required me to get a credit memo from the XXXX XXXX before providing any form of assistant. Getting a credit memo from the XXXX XXXX is not possible per the customer representative.

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 2021-09-22 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: LA

Complaint narrative:
My wife filed Bankruptcy in XXXX. She had a vehicle financed through XXXX XXXX XXXX XXXX containing loan # XXXX. She was discharged from her debt in XXXX. The account was closed on her bureaus, but they are still reporting on my bureau as if the account is still opened. I have disputed this matter numerous of times with the bureaus and with XXXX XXXX. I keep getting told by XXXX XXXX to submit letter to them and they will take care of this matter. This was in XX/XX/XXXX again in XXXX XXXXNeedless to say this matter still has not been taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XXXX my account was fraudulently charged multiple times by a company I have no relationship with, XXXX XXXX. My bank, Chime contacted me and told me my account had been breeched and they were sending me a new card. I submitted a claim for the fraud and received a provisional credit on my account. I have now been informed that some of the charges that occurred from the same vendor at the same time were valid, when they clearly are not. Their customer service has been abysmal in dealing with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: MI

Complaint narrative:
Three months ago I received your correspondence on this alleged account stating your verified /updated, this account was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character Accounts : XXXX XXXX accounts three reporting - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Once again Capital One please respond to my cfpb complaint with dignity and respect. Also do not refer to me as a customer, I am a natural person and you still are still violating my rights. 

I asked you in cfpb complaint XXXXt o properly validate this debt. You're sending correspondence to a mailing address that I do not live at. Ive attached my mailing address multiple times. 

Youre stating you repsonded to my cfpb complaints 7 times but you have not responded to the complaint thoroughly.So disregard any other complaints and respond to this one throroughly. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Florida State Statutes for Lawful Purposes. 3.A copy of the contract signed by both parties and therefore binding both parties. 4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account You're such a scum of a company that you do not even have dignity to respond back to my complaint with class. The absolute worst. Im asking for proper validation and you do not want to comply. I already have exhibits of your violating federal law. 

They act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. 

Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I'm writing this complaint to address that Capital One has not rebutted the Affidavit I have sent them. 

RESPOND TO MY COMPLAINT THOROUGHLY. MY AFFIDAVIT HAS ALREADY BEEN SENT CERTIFIED MAIL SO IT WILL BE REACHING HEADQUARTERS THIS WEEK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AS I LOOK AT MY REPORT, I NOTICED THE FURNISHER REPORTED THE ACCOUNT WITH INNACURACIES. I TOOK ACTION BY WRITING THE CREDIT BUREAU TO LET THEM KNOW ABOUT THE INNACURACY OF THE ACCOUNT AND ASKED THEM TO REMOVE IT. I SENT AN INVESTIGATION LETTER ON XX/XX/2021, I NEVER GOT A RESPONSE. I SENT ANOTHER LETTER CERTIFIED IN THE XX/XX/2021. THEY RECEIVED IT ON THE XX/XX/2021. AGAIN 30 DAYS PAST THEY NEVER REPSONDED TO MY INVESTIGATION. I AM DEMANDING FOR THIS ACCOUNT TO BE DELETED IMMEDIATELY FOR NON COMPLIANCE

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 2021-09-22 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: FL

Complaint narrative:
AS I LOOK AT MY REPORT, I NOTICED THE FURNISHER REPORTED THE ACCOUNT WITH INNACURACIES. I TOOK ACTION BY WRITING THE CREDIT BUREAU TO LET THEM KNOW ABOUT THE INNACURACY OF THE ACCOUNT AND ASKED THEM TO REMOVE IT. I SENT AN INVESTIGATION LETTER ON XX/XX/2021, I NEVER GOT A RESPONSE. I SENT ANOTHER LETTER CERTIFIED IN THE XX/XX/2021. THEY RECEIVED IT ON THE XX/XX/2021. AGAIN 30 DAYS PAST THEY NEVER REPSONDED TO MY INVESTIGATION. I AM DEMANDING FOR THIS ACCOUNT TO BE DELETED IMMEDIATELY FOR NON COMPLIANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: TX

Complaint narrative:
On XX/XX/XXXX I noted my credit score dropped by 53 points from XXXX to XXXX as reported to XXXX XXXX by Equifax. The 'see what changed " portion of the credit summary stated only that a " Remark Added to Account '' was done by " XXXX XXXX ''. Review of my full credit report that day showed no such comment and there was no other justification for any drop, much less a 53 point score drop. Indeed, my XXXX score increased from from XXXX to XXXX on XX/XX/XXXX. So I called Equifax and they were also unable to provide me with an explanation to justify the credit score drop. I opened a complaint with them - # XXXX. 

I then opened a concern with XXXX XXXX via their app. They came back to me with an email saying only that they noted a comment by XXXX as the only change on my report. They suggested I contact XXXX or Equifax for more information. 

I then contacted XXXX ( on XX/XX/XXXX ) by the phone # listed on my Credit Report. They confirmed that no change was made to my credit report by them. Only that they had suspended my account while they investigated a dispute of the last paid date which I filed last week. ( XX/XX/XXXX ). This disputed the date I last paid on the acct which was in XXXX, which I incorrectly took to mean the date the account was last paid on time. So they found via their investigation that no change to my report was needed - and they told me they made no change to my report. I asked their ( Credit Dept ) representative what XXXX may have done to cause a 53 point drop in my credit score with Equifax- and they replied that they made no other or new comment on my report.

So what has caused the 53 point drop in my credit score with Equifax? What justifies that when all of my credit activity has been favorable for years and my scores have been steadily increasing?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
SunTrust, now Truist, bought my mortgage from the originator in XXXX of XXXX. They did not assess the loan after purchasing it, paid the property taxes and let an escrow shortage continue for 10 months. This has resulted in a {$5700.00} escrow shortage that is due to increase my mortgage payment by over {$730.00} per month on XX/XX/XXXX. They offered to stretch the shortage over 24-36 months ; however, because of the initial shortage due to the originator not calculating for taxes increasing ( that issue is being handled with them in a separate forum ) and what they want, it will still be an increase that I can not afford ( $ XXXX per month ). The associates in the collection center and payment solution center will not let me speak to a manager, continue to pass the buck to different departments, try to deflect the conversation to them not getting an insurance policy from my carrier and are not noting my account of our conversations despite calls supposedly being recorded. Additionally, Truist continues to push me towards a refinance which they stated would raise my interest rate and payment even further.

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 monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am paying off two homes with first mortgages on each property. Mr. Cooper is the servicing company and they are charging me on each mortgage the following. 

{$25.00} for Expediated Delivery Fee ( because they faxed the payoff instead of sending it through XXXX ) {$20.00} for Third-Party Reconveyance Preparation Fee ( preparing the Satisfaction of Mortgage ) These fees are not mentioned in my note and mortgage and I have to pay them or they won't release the mortgages. I am hostage to these junk fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Block, Inc.
State: GA

Complaint narrative:
I use Square to process credit card transactions. They processed a credit card transaction for {$15000.00} on or about XX/XX/XXXX. They first froze the transaction because it was large. We sent documentation to them initially and they released the transaction. The customer filed a complaint with XXXX bank and sent it to Square. Square then reversed the payment on or about XX/XX/XXXX. The customer then informed their credit card company XXXX XXXX  that the dispute was dismissed by him. XXXX sent a letter and transmission to Square on XX/XX/XXXX that the dispute was lifted. XXXX sent the money back to Square. Square has been holding our money since that time. We have tried multiple times to get a hold of Square with no luck. They have no number to call. If you call their main number, it goes around in an endless voice prompt system. You can never get a person on the phone. I have tried emailed them several times with no response. I have also sent a demand letter to their corporate office in XXXX XXXX with the release letter from XXXX. I have had no response. I have reviewed the complaints about Square which seem to be the same experience I have had. They have no way to get in touch with customer service. They will not return your inquiries. 

I believe they are doing this to hold money and earn the interest on their customer 's money. I have attached the XXXX letter that I also provided to Square.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received an email from XXXX stating that there were changes to my credit and it showed that my account with Comenity Bank/Express had changed. I logged on to Express.com and it showed that I had a 0 credit limit and my account was closed. I was instructed to call ( XXXX ) XXXX. When I called and entered the last 4 digits of my SS #, it informed me that my account was closed and no further questions could be answered. I then went online to Comenity Bank.com and called ( XXXX ) XXXX and spoke with a representative of Comenity, who told me that a letter was sent to my currently address on XX/XX/2021 regarding the close of my account and that there was nothing she could tell me further regarding the close of the account. I informed her that I haven't even received a letter from Express before the account was closed and that today 's date was XX/XX/2021, so how could they close my account without even giving me proper notice. She told me she could not speak on that and I would need to wait for receipt of the letter. My Experian FICO Score is XXXX, and both XXXX and XXXX reflect XXXX. I have had the account with Express for almost 2 years and have paid the account in full. Why would they just close my account without notifying me first, at least via email, which they didn't and not explain to me why?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: CA

Complaint narrative:
Months ago I received your correspondence on this alleged account stating you verified/ updated ) this account. 
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely XXXX off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Months ago I received your correspondence on this alleged account stating you verified/ updated ) this account. 
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely 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 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Heres what transpired, funding was obtained on my credit card to build this business through XXXX XXXX and they were only accepting payments through wire transfer. A law firm, escrowed funds for me and charged me for this service. I sent XXXX XXXX a wire transfer & they went out of business and didnt fulfill any of their services/products. American Express sent me a court summons. 
Again, XXXX XXXX told us they only accept wire transfer. We went through a law firm to escrow the funds. We sent them a wire transfer and they didnt do their jobs. XXXX XXXX did wire fraud which is a felony. I have all the proof : from all the other complaints, XXXX  website, filed a complaint with the XXXX Attorney Generals Office ( online ), filed a police report & the FTC ( Federal Trade Commission ) coming after them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
A debt collector called Shermeta Law Group based out of Michigan keeps calling non stop from various phone numbers for the last week. Ive made requests for them to communicate in writing yet they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Three months ago I received your correspondence on this alleged account stating your verified /updated, this account was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character Accounts : XXXX XXXX accounts three reporting - 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 explanation