vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-31 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: DISCOVER BANK
State: AL

Complaint narrative:
I am hoping you can help assist me in recouping my funds from XXXX XXXX / Discover. Please note we never received any product or service from the seller, the order was canceled and the seller was to refund the full amount less the restocking fee. As far as I understand it, the seller never purchased the unit and has stated the refund was returned to Discover and XXXX XXXX shows no transfer back to Discover or to my account. 

We had a 3 way call with Discover and XXXX and at the time Discover had not ruled in any one 's favor. XXXX advised they had ruled in ours, but because we we had a dispute with Discover they were unable to continue the dispute and canceled it. This has been on going since XXXX and we have not been able to get a resolution yet. 

We were told that Discover came to the conclusion on their part XXXX should refund {$200.00} for a restocking fee to seller XXXX XXXX XXXX XXXX and the remainder of {$4400.00} to have a check written to us. Full amount of the payment was {$4600.00}. 

XXXX stated ( Discover rep and myself in a conference call ) that they returned all the money to Discover on XX/XX/XXXX, and they no longer have our money and that Discover has it and needed to disburse it back to the card balance. We were advised that Discover had not received the funds and that XXXX had sent the funds to the Seller. In speaking with the seller they advised their bank is still in deficit the full amount. 

I am attaching documentation from Discover, as well as the conversation between XXXX XXXX XXXX XXXX and I. 

Any help with this would be very much appreciated as we have gone back and forth with all parties involved and can not seem to get a valid resolution and we are paying on something we never received. If you have any questions or need clarification on anything please reach out to me to discuss further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: FL

Complaint narrative:
I contacted Experian by mail XX/XX/2021, to informed them they were reporting wrong information on my consumer credit report. Because of there inaccuracies it's hurting my potential to acquire a descent mortgage loan, it's hurting my credit worthiness.They 're reporting late payments on 5 accounts, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Also I contacted XXXX and XXXX at the same time by mail. Both of those consumer reporting agencies changed course and corrected the discrepancy. Experian was the only consumer reporting agency, that continued to report inaccurate information. I tried calling Experian 2 more times this time by phone, XX/XX/2021 and XX/XX/2021. I was told the same information, that the accounts were investigated and is correct. I told Experian that XXXX and XXXX did the same investigations and it proved that I was telling the truth. XXXX and XXXX deleted the inaccuracies immediately. I reached out to all the accounts personally, and did my own investigation. Demanding that they send me documentation in writing, I received a letter from XXXX XXXX XX/XX/2021 stating " There are no late payments showing on the above-referenced account. '' Since that I have reached out to Experian and they still declared it is correct.

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 2021-10-31 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
On XX/XX/2021 I contacted USAA Bank and requested a balance on my Credit Card account so that I can close out the account. USAA emailed me a balance of {$13000.00}. A few weeks later when I attempted to make the payment to close the credit card account with USAA the balance changed to XXXX. I paid the {$220.00} online and Overnighted a check in the amount of {$13000.00} the check was received and stamped in by USAA on XX/XX/2021 and returned back to me the same day. I received my check back on XX/XX/2021 and returned the {$13000.00} my XXXX the same day. USAA received my payment and did not close out my account on XX/XX/2021 they did not post my payment until XX/XX/2021. On XX/XX/2021 USAA charged me {$4.00} interest and is refusing to close out the account. PLEASE HELP!! I paid USAA {$13000.00}. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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:
Just received an alert from Experian that might credit score dropped significantly due to XXXX XXXX inaccurately reporting that my credit card is maxed out when it currently has a positive balance of {$450.00}. This needs to be updated immediately

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 2021-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: CARD Corporation
State: NC

Complaint narrative:
I told card.com about an amount of XXXX took out of my account and they cancelled my card with out asking me. Then there is XXXX on my card that they cancelled and ive tried ordering me a new card but because I don't have an id that isn't valid to send them proof of an address or a piece of mail that is from the government or somewhere they wont let me reorder anew card or get a refund check cause I dont have anything to show them proof of address cause im homeless and I live in a tent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-31 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: NV

Complaint narrative:
I am a consumer and I feel that my federally protected consumer rights have been violated. Ive contacted the companies that have been reporting on my consumer report and they told me that they do not operate under the Fair Credit Reporting Act and that they dont have to follow under Congress Guidelines 15 USC 1681. I have sent copies of the violations to the credit bureaus and companies but they have ignored everything that I have sent them assholes. The violations included : 15 USC 1681b ( a ) ( 2 ) 15 USC 1681c ( a ) ( 5 ) 15 USC 1692g. 

I never have written consent to any of these XXXX who caused me injury by reporting false and inaccurate items on my consumer report. These items have caused denial of extension of credit, denial of bank accounts, and denials of loans. These are the accounts that I wish to be removed from my consumer report : DEPT OF ED/XXXX acct # ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # -XXXX XXXX XXXX acct # -XXXX XXXX acct # -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Just received an alert from XXXX that might credit score dropped significantly due to Capital One inaccurately reporting that my credit card is maxed out when it currently has a positive balance of {$450.00}. This needs to be updated immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a consumer and I feel that my federally protected consumer rights have been violated. Ive contacted the companies that have been reporting on my consumer report and they told me that they do not operate under the Fair Credit Reporting Act and that they dont have to follow under Congress Guidelines 15 USC 1681. I have sent copies of the violations to the credit bureaus and companies but they have ignored everything that I have sent them assholes. The violations included : 15 USC 1681b ( a ) ( 2 ) 15 USC 1681c ( a ) ( 5 ) 15 USC 1692g. 

I never have written consent to any of these XXXX who caused me injury by reporting false and inaccurate items on my consumer report. These items have caused denial of extension of credit, denial of bank accounts, and denials of loans. These are the accounts that I wish to be removed from my consumer report : DEPT OF ED/XXXX  acct # ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # -XXXX XXXX XXXXS acct # -XXXX XXXX acct # -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 2021-10-31 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: NJ

Complaint narrative:
Back in XX/XX/2021, I submitted a request for proof of this bankruptcy on my credit report to all third party agencies.And they were not able to supply proof as to how they retained such information so XXXX XXXX Deleted it from their Database and sent me proof that it was deleted. I sent that proof to all three major credit bureaus that as of XX/XX/2021 it has been removed from they place they claimed they got it their information from so why are they still reporting this lie? Equifax told me and gave me a number for XXXX XXXX to call them and said thats the only way it would be removed from my credit. XXXX XXXX said we dont call credit companies.I want to know how are they investigating something that is no longer in the database? And XXXX XXXX is not a legitimate companyI need this bankruptcy removed for it is defaming my name and credit just remove this obscenity from my credit report all three credit companies it was an error so just remove it from my report instead of making like your disputing it with a real company because again XXXX XXXX is not XXXX removed for. Third party agencies and I never gave no one permission to put nothing on my credit report no how so why be so nasty and trying to defame with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: UT

Complaint narrative:
I reported this some time ago and even recently. TU seems to be making more errors than even XXXX does! That's saying something because XXXX is an error gaff machine that never fails to keep making errors. TU used to be better than all of these bureaus at correcting mistakes. Not anymore they're now the worst! Problems I've asked them to correct yet still remain in error as below that need to be fixed once and for all! Why is this complicated? I don't get it! Shame on them for not correcting their own errors! Frequent problem with this particular bureau! 

1. I do not work at XXXX and haven't for going on 4 yrs. It needs to be removed! They claim they removed it yet when I ran my report on XX/XX/XXXXit still appears! 

2. XXXX XXXX XXXX # XXXX - states I've disputed this account which I did not. It's in good standing, remove the false comments! I never disputed this account. 

3. XXXXXXXX XXXX XXXX # XXXX- Same as # 2 XXXX. XXXX XXXX XXXX # XXXX- Same as # 2

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 2021-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
I sent a letter to One Advantage LLC to dispute and my credit report has not being noted disputed by the consumer. One Advantage didn't herby the law of the FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

USPS tracking number XXXX XXXX XXXX XXXX XXXX Letter delivered on XX/XX/2021, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 it came to my attention I paid my prior mortgage company, in error instead of paying the mortgage company Dovenmuehle Mortgage XXXX : XXXX XXXX XXXX , XXXX . 
On XX/XX/2021 I spoke with company representatives XXXX and XXXX. I explained that on XX/XX/2021 I bill paid ( through the bank ) my mortgage payment, to them by mistake. I didnt know this had been done until I received my next months mortgage statement. I email a copy of the notice from the bank stating they had my money since XX/XX/2021. Both reps acknowledged receipt. XXXX XXXX said that on the XXXX a check for my payment was mailed back to me. 
I called again on XX/XX/2021 and spoke with supervisor XXXX ( older but compassionate, this will make sense in a bit ) she stated the check wasnt mailed until the XXXX. Now they not only have my money but supervisors are lying about actions. 
On XX/XX/2021 I spoke with another Supervisor XXXX ( younger and put on a much bigger show of concern and action, it was just a show no action was taken ) she put me on hold after I went through my situation for about the sixth timewhen she returned she stated I just needed to give my checking account number and routing number and they would ach my payment back to my checking account. Im like great lets do that ( this should have been done immediately or forwarded to the mortgage company they sold my loan to ) according to supervisor XXXX that is what should have happened. 
On XX/XX/2021 I spoke with supervisor XXXX she informed me that nothing can be done until 15 days after check sent out ( that would be XX/XX/2021 ). I asked to speak with her supervisor she said ok and a complete XXXX  named XXXX ( XXXX ) came on and validated supervisor XXXX information. When I asked what my other recourse may be he said there was nothing I could do but wait, I asked for his supervisor he state I have gone as far as I can go and he would not pass me on any further because nothing could be done until the XXXX. 
First problem is accepting money you know you dont have a loan for any longer ( they knew that since the XXXX per all supervisors I spoke with ). Yes, this was my error in the beginning but this company has made it a nightmare. Second is sending money back through the mail. I informed them that there is mail theft almost daily where I live. I asked that they put a stop payment on the check and transfer it electronically ( safer and faster ). If they actually sent it out on the XXXX it is still not here, I worry thieves may have gotten it already. The mail is slow but not that slow! I am terrified if I dont get the check how I will make up that money to meet my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: FL

Complaint narrative:
Experian need to remove my Bk off my credit 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 explanation
Consumer complaint received 2021-10-31 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: LEXISNEXIS
State: FL

Complaint narrative:
XXXX need to remove my Bk off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: MD

Complaint narrative:
I XXXX XXXX XXXX is a federally protected consumer protected by the FCRA. Pursuant to 15 USC 1681a all consumer reporting agencies should report all accurate information across all three consumer reporting agencies, there shouldn't be any differences in the report. If an account is not reporting on a consumer reporting agency and not reporting on the other CRA you should block and remove them. I will attach my XXXX consumer report which will show the accounts that is reporting on Transunion and XXXX and they should be removed.I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by XXXX. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history.Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. 
Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method.Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete.

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 2021-10-31 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: SC

Complaint narrative:
Showing a past due balance Under FRCA XXXX ( a ) I am disputing the completeness and accuracy of the information being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is accurately and erroneously reporting a 30-day late notation. I request an investigation into this.

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 2021-10-31 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: GA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: FL

Complaint narrative:
Experian need to remove/ delete my Bk

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 2021-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Showing a past due balance Under FRCA 611 ( a ) I am disputing the completeness and accuracy of the information being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is accurately and erroneously reporting a 30-day late notation. I request an investigation into this.

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 2021-10-31 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: SC

Complaint narrative:
Showing a past due balance Under FRCA 611 ( a ) I am disputing the completeness and accuracy of the information being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is accurately and erroneously reporting a 30-day late notation. I request an investigation into this.

Company response to consumer: Closed with explanation