vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-29 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: MN

Complaint narrative:
On Saturday, XX/XX/2019, I was at the XXXX Mall for holiday shopping. The merchant, XXXX XXXX XXXX ( merchant ), operated a holiday kiosk on the second level of the mall. Upon passing by the kiosk, a salesperson from the merchant kiosk approached me directly and asked if he could introduce me to his line of products. I agreed and allowed the salesperson to demonstrate his products. 

When the demonstration was finished, the salesperson revealed the cost of the products. I specifically asked the salesperson if the products could be returned if I did not like them. The salesperson assured me that the products could be returned or exchanged and the sale was closed. My Capital One Credit Card was charged {$370.00}. 

Half an hour later I found the same products online for a greatly reduced price. I contacted the merchant at the phone number listed on the receipt. There was no answer and the call went into voicemail. I contacted the merchant by text to document the discussion and demanded a refund. 

The salesperson stated that the merchant would match any price found cheaper on the web. I stated that I no longer wanted the product and requested a refund. Merchant stated in text that You have money back guarantee and promised to put me in contact with the merchant customer service the following Monday. 

Shortly after, I had an allergic reaction to the products. 

The salesperson never contacted me as promised on Monday, XX/XX/2019 and all calls to the customer service number listed on the receipt went directly to voicemail. 

I have made a good faith effort to resolve this issue with the merchant and Capital One. The merchant is non responsive and Capital One has ignored clear and convincing evidence that no refund policy was listed on the merchant 's credit receipts. During initial text conversations with the merchant, the merchant clearly stated that a money back guarantee existed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
PHH mortgage  took money from us to cover until XX/XX/2020 and only XX/XX/2020 was left to pay and this payment was amounting to XXXX. Which was not possible at that time because there was no money as we are living on social security benefits and everything was up and down because of corona virus situation.The loans taken from relatives to pay PHH mortgage are also in trouble because of worldwide corona virus pandemic.The lawyer firm of PHH mortgage  is harassing me and my wife and charging allot of money saying it was needed for reinstate the loan. Even the PHH mortgage has taken money from us.Please advise on this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: SC

Complaint narrative:
I AM SUBMITTING THESE DOCUMENTS ON MY OWN BEHALF. I WILL ASLO UPLOAD THEM IN ONLINE. PLEASE DO NOT SAY THIS IS A COMPANY SUBMITTING THEM. I HAVE ALSO BEEN AFFECTED BY A BREACH OF EQUIFAXS INFORMATION. Send in information via CFPB to update my address to prevent any future access to my sensitive information. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that XXXX  allows to do a soft inquiry on my credit profile. I would like for XXXX   and Equifax to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. Several accounts were successfully opened in my names that are fraudulent and Id like to that them removed immediately. This information is listed below, ALL accounts and hard inquires that are a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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 requested Experian to investigation a trade-line from XXXX XXXX XXXX ( XXXX  ) disputing the alleged balance and the first date of delinquency, on or about the first week of XX/XX/2020. On XX/XX/2020, I received a notification from Experian that the investigation was completed and information regarding the history of the account changed shortening the account history and its confusing to an average person. See Attached. 

I am demanding an account-level documentation investigation conducted showing the accounting history, the alleged balance, date opened, first date of delinquency, documentation establishing the terms of this account, and the contract with my signature or equivalent establishing an agreement between XXXX and myself.

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 2020-03-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Date XX/XX/2019 {$150.00} XXXX XXXX XXXX CA Chase credit card service decided that the charge is valid. But I disagree with their decision because I have never authorized the amount charged. I provided that screenshots of XXXX owner promised to give me a refund but chase thought the charge is still valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I called Citi-Cards today XX/XX/20, and asked them if they had any special programs for people that have just lost their jobs due to the Coronavirus Pandemic. I am presently without a job due to this. 

I was told that the only option I had was they could probably lower the monthly payment for three month 's and in addition to this the account would be closed. No other programs available. 

I do not want to close this account, I just want a fair treatment for this unexpected situation I am going through. Citibank did not offer any other option.

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 2020-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I AM SUBMITTING THESE DOCUMENTS ON MY OWN BEHALF. I WILL ASLO UPLOAD THEM IN ONLINE. PLEASE DO NOT SAY THIS IS A COMPANY SUBMITTING THEM. I HAVE ALSO BEEN AFFECTED BY A BREACH OF XXXX  INFORMATION. Send in information via CFPB to update my address to prevent any future access to my sensitive information. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that XXXX  allows to do a soft inquiry on my credit profile. I would like for Transunion and XXXX  to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. Several accounts were successfully opened in my names that are fraudulent and Id like to that them removed immediately. This information is listed below, ALL accounts and hard inquires that are a result of identity theft.

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 2020-03-29 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: PA

Complaint narrative:
On XX/XX/2020, I wrote to Transunion to dispute what they are reporting on my credit report. They sent me a response to verify my address when I already had my address on State ID which is their address verification. I used a XXXX XXXX XXXX which was still a valid address as I was in a XXXX XXXX XXXX at the time. Both the addresses were correct and valid and have attached proof of these addresses including the ID I sent to bTransUnion. I did not see any investigation done on my reports despite Transunion having valid addresses, I feel that this was only to buy time as they have no adequate information to complete an investigation, hence validate the debt as requested. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
As reiterated in my letter, if Transunion does not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

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 2020-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: VA

Complaint narrative:
This Charge-off appeared on the file that XXXX  keeps under my social security number. I have an extended fraud alert under XXXX  due to identity thief. Due to this I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with ENHANCED RECOVERY CO and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello, I am XXXX years old and Merrill Lynch refuses to grant me access to my XXXX account without the former custodian 's ( my father 's ) permission. This is against the law. Now that I am over 21 years of age, the account and all assets should be mine : XXXX XXXX XXXXXXXX. Not only would I like access to this money, but I also need access to the account information to file my taxes. 

My father is XXXX XXXX and will not cooperate by transferring " ownership '' of the account.

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 2020-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A & O Recovery Solutions, LLC
State: GA

Complaint narrative:
This debt originated from a XXXX XXXX debt The amount was {$150.00}. I contacted XXXX, XXXX, Consumer Financial Reporting Bureau, and attorney general of Georgia

Company response to consumer: Untimely response
Consumer complaint received 2020-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Bank is reopening a charge off account and adding late payments to the credit report! This account was originally in a chapter XXXX plan, however, i had the bankruptcy dismissed for personal reasons. In XX/XX/XXXX i reached out to them to try to settle the account in full. My only requirement was to have the account completely removed from my credit reports as a sign of good faith.This is a tactic that alot of creditors are doing in order to get the accounts resolved. In my opinion, people would pay their debts if they were willing to do this. Noone wants to pay and still have it remain on their reports for 7 full years! They refused! They said they cant change the way it is reporting accurately! After i reached out to them, they changed my credit report and added alot of delinquency late payments even though it has been closed for a while! I reached out to them to settle it, and they do this! They are not allowed to reopen a charge off account and start reporting late payments in a way to get me to pay. I offer to pay it, but they wouldn't take my offer! This is unlawful!!! They are continuing to report negative late payments to my credit reports!!! You can see in XXXX there was no reports of negative information. That did not start until i reached out to them to settle! They reoped the account and started reporting late payments again! They are using it against me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: VA

Complaint narrative:
I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$970.00} .I have an extended fraud alert place on my file due to recent identity thief. This account does not belong to me. I have tried to fix the account with Experian with no luck.

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 2020-03-29 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: PA

Complaint narrative:
On XX/XX/2020, I wrote to Equifax to dispute what they are reporting on my credit report. They did not send me a response at all. The PO Box mailing address is valid, and my physical address on my ID is also valid, but I did not get any response at any of the addresses. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file. 
As reiterated in my letter, if Equifax does not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: VA

Complaint narrative:
This letter is in response to your recent claim that XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2020-03-29 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: NC

Complaint narrative:
This letter is a follow up to my original letter dated regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX   XXXX XXXX. 
By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

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 2020-03-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: Nelnet, Inc.
State: MD

Complaint narrative:
my school was closed because of fraudulent activity investigated by the department of education .i was mislead at this school. and believe loans were taken out without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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:
I have been disputing 7 closed accounts with Experian with no results of resolutions. Specifically with providing me with proof that I have asked for under my rights per FCRA section 60 ( A ) ( 1 ). Pertaining to late payments and continuing to report late payments after the accounts are closed. 

1st letter of my dispute was sent certified mail requesting the the 7 closed to be validated per FCRA section 609 ( A ) ( 1 ). Please see attached certified mail dated XX/XX/2020 with USPS Tracking # XXXX. 

Experian came back with verifying my disputed accts as " accurate and validated '' thru data furnisher and updating the accts. But the reported info are the same with no changes. However they have completely ignored all my requests with providing documentations that validates the inaccuracies of their reportings.

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 2020-03-29 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have written 3 dispute letters to the following company to validate and verify the debt they claim I owe them. They have failed to respond to me in writing in the 30 days allotted by the FCRA. 
1. ) Santander Consumer USA 2. ) XXXX XXXX XXXX. 
3. ) XXXX XXXX XXXX 4. ) XXXX XXXX XXXX XXXX TX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
I opened A discover Card XX/XX/XXXX and I got a random Email reporting from XXXX on XX/XX/XXXX that Discover recently closed my account out of no where. I called them multiple times asking why they closed my account and they said it was due to inactivity. I told them I wasn't able to use my card because of recent health issues. They never sent me any letters or emails or messages inside of my account that they were going to close my account. It is ruining my credit history now due to that being my longest account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: MD

Complaint narrative:
my school was closed because of fraudulent activity investigated by the department of education .i was mislead at this school. and believe loans were taken out without my knowledge

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 2020-03-29 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: MD

Complaint narrative:
my school was closed because of fraudulent activity investigated by the department of education .i was mislead at this school. and believe loans were taken out without my knowledge

Company response to consumer: Closed with explanation