vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
Letter sent to the lender : Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the Florida state department of Financial Institutions and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida Department of Finance. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX the Federal Trade Commission, and Florida Attorney General 's Office. 
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, XXXX XXXX CC : Federal Trade Commission Better Business Bureau Florida State of Finance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: AFNI INC.
State: GA

Complaint narrative:
On XX/XX/2019, AFNI added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, AFNI has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received a letter from Jefferson Capital Systems , LLC, attempting to collect a debt of {$520.00} related to a XXXX Account. I called the number on the letter to inquire further, and they informed me of an account that was opened in XX/XX/XXXX and used in XX/XX/XXXX, which does not correspond to any actions on my end. JCS has my name and home address, but when pressed to verify my SSN I declined. When pressed to verify my email address, I also declined, but the representative read off an address that had no relation whatsoever to me. I don't know how they obtained my information in the first place but this is either a scam, or the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Someone stole a blank check from my mothers and my checking account. Then wrote it out and forged her signature. The bank cashed it for {$450.00}. Then at another location, they tried to cash a fraudulent check with our same account number. It was then discovered that the one the first location had already cashed, shouldnt have been. We disputed it, filed a police report and now today the fraud department of the bank called and said they wouldnt cover the check, because we didnt keep the check safe. The checkbook was in my mothers purse. The bank has a picture of this person and his ID number. The police are looking into this further but I have to do a lot of leg work to get this done. They know it forged, but still wont cover the 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 2021-03-10 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:
THE COLLECTION AGENCY AGREED TO DELETE THE COLLECTION ACCOUNTS THAT I PAID BUT THEY ARE STILL APPEARING ON MY FILE

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 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received my statement and noted that despite paying off the balance of the credit card, I was charged a {$29.00} " return fee ''. I had paid the balance owed through the credit card payment portal where I entered bank account information and submitted. I subsequently received a letter by US mail that the payment could not be processed online due to a glitch in the system so I reinitiated payment and the funds were deducted from my bank account. 

On XX/XX/XXXX -- I received the statement and called the customer service number to determine the reason for the fee since payment was not returned through any fault of mine but rather due to system glitch. I was told that because I mis-input my bank account number, the payment failed and I would be penalized with a fee for that typo. 

I was further told there was no way to waive or dispute the fee. 

I note that there is no disclosures on the payment portal informing customers that incorrectly providing wrong account number could result in a fee. In fact the fee itself is not disclosed anywhere on the website. Moreover, the terms and conditions for the credit card do not include this information or mention of this fee. 

Assessing a fee on a consumer account that is not previously disclosed in clear and conspicuous manner is contrary to many federal and state regulations including CFR 12 Part 1026 ( Reg Z ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
There are numerous inquiries on my credit report that I did not authorize. I have contacted each company and they cant verify any information that I applied for credit with their company.

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 2021-03-10 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: IL

Complaint narrative:
I sent my XXXX letter disputing inquiries back in XX/XX/2020 to XXXX and Transunion. I never received a response in the mail and I also called to verify XXXX  received the letters. They didn't verify it even after supplying tracking number. I resend the letter again and received a response back from XXXX and Transunion that the inquiries were verified. I then sent a letter requesting method of validation and never received a response. I even called to creditors myself to request record of my alleged inquiries and the creditors don't have record. So I know XXXX and Transunion are truly not investigating and stalling. Because I requested proof of investigation and didn't receive a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: CA

Complaint narrative:
Castle Credit has been calling my house supervisor at work, asking to call them on this number, XXXX ext. XXXX. They demand from me to pay my loan since its only the interest I was paying. When in fact, the water softener I financed with them created a problem as it was leaking and my neighbor complained about it. Instead of installing it in the garage, it was installed in an uncovered place outside my house. They have been calling my work and even my friends and I felt this is harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As of XX/XX/XXXX prior to XXXX shutdown I cancelled my services due to moving. I received a final bill from XXXX with a final bill ending date of XX/XX/XXXX. I have no agreement with XXXX after XX/XX/XXXX. 
I had a credit as of XX/XX/XXXX in amount of {$91.00}. 
I received a bill from XXXX in XXXX and contacted XXXX immediately. It was determined after I chatted online with agent ( I am providing a copy of the chat I saved ) and speaking with a supervisor afterwards I DID NOT owe anything. XXXX XXXXontinued to bill me for a closed account. 
I provided Experian my proof immediately XXXX Last Billing statement ) on XX/XX/XXXX when I was alerted something negative posted to my account dropping my XXXX XXXX XXXX points!!!! 
I do not believe Experian honestly " investigate '' and looked at my proof. If they did the collections should have been removed immediately. 
Instead Experian updated the account having collections still on my account and reporting late charges for something I do not owe and is ruining my Good credit As of this date XX/XX/XXXX XXXX XXXX XXXX continues to inaccurately report information on my credit report. The reported alleged debt owed is inaccurate per my proof I am providing. I do not have any agreements or terms with XXXX XXXX Services nor XXXX. Nor have I heard of them prior to having an inaccurate collections placed on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
XXXX Mortgage XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Loan amount {$190000.00} My Re-finance was denied for for no valid reason. Documents were sent multiple times and not recorded correctly. I was promised a Par rate then points were added. It seems that there are time share condominiums in the area but not in the condominium complex in which I own a unit. There are very few units that are rented by some owners. I was told that the title company made this decision but then told that the mortgage company made this decision. There does not seem to be any other issues. No credit issues, no net worth issues, no income issues no, no loan to value issues. Its seems that I XXXX be being discriminated against and /or rates increased and they did not want to honor promised rate. Please investigate. I have never been denied a loan or mortgage in my life.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I noticed an inquiry that was not authorized by me, and the inquiry is stuck on my credit. When I go through the creditor there was no resolution. 
XXXX XXXX XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: Open Dealer Exchange, LLC
State: GA

Complaint narrative:
I noticed an inquiry that was not authorized by me, and the inquiry is stuck on my credit. When I go through the creditor there was no resolution. 
XXXX XXXX XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX, attempting to collect a debt of {$520.00} related to a PayPal Account. I called the number on the letter to inquire further, and they informed me of an account that was opened in XX/XX/XXXX and used in XX/XX/XXXX, which does not correspond to any actions on my end. XXXX has my name and home address, but when pressed to verify my SSN I declined. When pressed to verify my email address, I also declined, but the representative read off an address that had no relation whatsoever to me. I don't know how they obtained my information in the first place but this is either a scam, or the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 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: CA

Complaint narrative:
Ive disputed this account US DEPT EDUCATION before and it keeps coming back as meets FCRA standards even when Ive provided multiple violations that it has committed. This account is supposed to be marked by the creditor & XXXX  as Consumer Disputes per the FCRA which its not and is a violation. XXXX has already removed the account for violations but yet XXXX somehow keeps finding it verified when XXXX  could not. If all information is supposed to be accurate across all 3 bureaus how is it that XXXX is finding it verified even so they did not even mark the date of which its last been verified.Ive submitted numerous violations that this account US DEPT EDU has committed. This goes for TransUnion as well for violations. If not settled I will take to court to collect for damages for violations from XXXX  & TransUnion

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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XXXX XXXX some XXXX had applied for XXXX credit cards under my name without my consent, Bank XXXX XXXX XXXX XXXX, Citibank XXXX I do not acknowledge any debts, Im a victim I want everything to be deleted. Thank you!

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 2021-03-10 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:
There is a Candian bank XXXX XXXX on my credit report. I think it belongs to someone with a similar name. I've submitted a request for removal from Equifax before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TX

Complaint narrative:
XX/XX/XXXX I sent an letter asking Equifax, to delete the fraudulent credit card information regarding XXXX XXXX XXXX  Card Services showing {$5600.00} Equifax never did an investigation into the fraudulent information. 
Equifax never deleted the fraudulent information. 
Equifax kept reporting the fraudulent information on my credit report XX/XX/XXXX Equifax is stating the account is charged off and closed. 
The fraudulent information is still showing on my credit report. 

XX/XX/XXXX Received a settlement from the settlement XXXX involving the class action settlement in XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX California Court Case No. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My lender spoke with me about my report and there are many items that are incorrect/ I am not familiar with.

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 2021-03-10 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: ID

Complaint narrative:
I am a female senior citizen living on a small amount of social security. On XX/XX/2020, I used my Capital One Credit card to pay for a facial that I was told would help me with a skin problem. The employee also offered me a face cream she said would help. I informed her again that I could only use chemical free natural products or it could make me sick. She stated that the product was all natural. I agreed to purchase it and was not told there were no returns or refunds and there were no signs saying that or anything on the receipt. 

After I used the product, I became extremely sick for two days, almost going to the hospital. When I researched the product online, I found that it did contain a chemical. That is not what I agreed to buy so it is a fraudulent transaction which I am not responsible for. The merchant refused to return my {$38.00} after I went back on XX/XX/XXXX and returned the product to the employee leaving it on the counter. The merchant did not even offer an apology for the harm it did to me and made up lies to try to blame me. I still paid for the facial on my card. 

When I filed a dispute with Capital One in XXXX, the person who took my information got it all mixed up. And the person who initially made a decision on the matter obviously did not read all of the information I sent and gave an incorrect response that made no sense. I called again and got the first person who messed the case up and now he told me I needed proof that I returned it ( even though that was already in the information ) and then it would be credited back to my account. I again supplied that information. It was not credited back to my account. 

I filed a complaint in XXXX with the XXXX XXXX XXXX against the merchant, but of course the merchant continued to lie and refused to refund my money. So I filed a complaint with XXXX  against Capital One and provided all of the information again along with the merchants statements on XXXX  which proved my case and received another denial from Capital One with yet another ridiculous statement showing the person who now reviewed my case knew nothing about it and did not read anything concerning it. 

I have been a good customer of Capital One always paying my bill on time. It is not fair for me to be mistreated by this merchant and then again by Capital One. I just want credit to my account for the {$38.00} that I paid for the fraudulent product, and any fees that I have been charged. I paid the {$12.00} balance on my account minus the {$38.00} by the due date last month XXXX XXXX ). Then I want to close my account so I do not have to deal with anything like this again. Thank you. 

Capital One Case Number - XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive disputed this account US DEPT EDUCATION before and it keeps coming back as meets FCRA standards even when Ive provided multiple violations that it has committed. This account is supposed to be marked by the creditor & Experian as Consumer Disputes per the FCRA which its not and is a violation. XXXX  has already removed the account for violations but yet Experian somehow keeps finding it verified when XXXX could not. If all information is supposed to be accurate across all 3 bureaus how is it that Experian is finding it verified even so they did not even mark the date of which its last been verified.Ive submitted numerous violations that this account US DEPT EDU has committed. This goes for XXXX as well for violations. If not settled I will take to court to collect for damages for violations from Experian & 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