vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company KOHLS/XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: Contemporary Information Corp
State: FL

Complaint narrative:
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Contemporary Information is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Contemporary Information is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : Contemporary InformationXX/XX/20. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. Contemporary Information is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.

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 2021-05-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
It is quite obvious based on our dealings with this individual XXXX XXXX of TD Bank Commercial Lending that he is discriminating against me as a very well qualified individual for a commercial mortgage for XXXX XXXX XXXX XXXX, after wasting more than weeks of our time, escalating documents required, when we have perfect credit, a thriving business even during coronavirus shutdowns and race riots, etc. He has insulted us, talked down to us, and denied us a mortgage even without presenting us a formal letter based on objective criteria, simply because he " can. '' I am certain he approves similarly situated white men and XXXX men under similar circumstances, all of the time. Please investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: NC

Complaint narrative:
XXXX  XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX  XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX AUTO FIN Auto Financing XX/XX/XXXX Experian XXXX XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX CO Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Financing XX/XX/XXXX Experian XXXX XXXX/XXXX  XXXX  Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX Department XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-05-02 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; WELLS FARGO BANK is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. WELLS FARGO BANK is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : WELLS FARGO BANK XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed 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 2021-05-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I started a HELOC with PNC Bank more than 3 months ago. I uploaded my initial documents on XX/XX/2021. 

After uploading 47 documents asking for everything under the sun the company has my loan processing at stage 3 out of 6. I have excellent credit history and income yet they have failed to move the process forward.

The person at the bank for the last month has been falsely telling me that they will get back to me as soon as possible with a decision but never happened. They keep asking me to keep waiting and waiting. 

This is very disrespectful and feel like I have been tagged along for a ride. 

I filed a complaint with their department and never heard back from them. I am very disappointed and upset they made me waste over 3 months to make a determination on my loan application. 

I feel very mistreated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Citibank NA. is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Citibank NA. is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : Citibank NA., Best Buy - XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed 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 explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
On the morning of XX/XX/20, I went to Citizens Bank  at XXXX XXXX XXXX, XXXX, RI XXXX to make my usual monthly payment for my Citizens Master Card. The payment was a cash payment. I handed the teller {$1700.00} to pay my balance of {$1700.00} which was for my XXXX payment. Around XX/XX/XXXX, I had called the Master Card Co. to inquire about collecting my Points ( I pay my monthly bill off in full each month ). They informed me that I could not collect my points because my bill was not paid. I have a excellent credit payment history and have never missed or been late on a payment. I told them I had mad my payment as I also do at the local branch. They said they would investigate my payment. After two weeks, they then told me they did not receive the payment and for me to follow-up with the bank directly. Please note during this time, this was the start of the pandemic. On my first attempt to get this resolved with the branch, I was told by an employee that there was a " glitch with the system '' and she would look into this. Several more weeks pass and I felt like I was getting the run around and something was not right. I was finally told there was nothing they could do because they had no proof of a payment made on that date and I had no receipt. ( I have all my other receipts for making my payments each month ). I then asked for them to view the video. At first they said they could do not request it so I contacted the Office of Chairman. After more time passed, I was told there was no proof of me being there or a cash payment in the amount above and the video did show a women. I kept on them and I requested several times to see this video coverage. Each time, I was given a different explanation of how I can not see the video, the video is only of the back of the customers head, no video at bank entrance only outside ATM. I then sent another letter to the Head of Consumer Banking and they did respond to me and would review. I was told they did all they could do but to see the video I would need to get a subpoena. ( I have been a loyal customer of this bank for over 50 years. I have always paid all my bills on time and in full. I feel this has been handled poorly and needs to be investigated further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: CARMEL FINANCIAL CORPORATION, INC.
State: FL

Complaint narrative:
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; CARMEL FINANCIAL CORPORATION is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. CARMEL FINANCIAL CORPORATION is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : CARMEL FINANCIAL CORPORATION 03/08/21. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have been having problems with the USBank.com online banking site for several months now. The problems include unable to schedule automatic payments, unable to make one time payments, unable to manage reward options. I am able to log into online banking and view the balance on my accounts on the dashboard. Sometimes I can make a payment but most times I can not. I get an error message saying the website is unavailable due to too many redirects. When attempting to select reward categories I have not been able to access the site in over 3 months. The inability to make payments online has resulted in 2 late fees.

I have contacted USBank twice before today but have not been able to resolve the issue. This is despite the fact that the representative I spoke with also could not use the site while I was on the phone with her. To date there has been no resolution. I finally canceled my credit card accounts with USBank.

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 2021-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The original creditor XXXX XXXX XXXX  has recognized this item as identify theft and no longer reports to the credit bureaus, or has been blocked from reporting by the credit bureaus. XXXX XXXX XXXX is a third party debt collect they sold the debt to before the investigation was complete. Because the original creditor recognizes this account for what it is, I request that the third party debt collector, XXXX XXXX XXXX do the same, and either voluntarily stop reporting, or the Credit bureaus should recognize this as party of the original debt that has been resolved and block XXXX from further collection attempts including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: CA

Complaint narrative:
I recently noticed a unauthorized account on all three reports. I disputed the XXXX XXXX account and it was removed from XXXX. under the FCRA, any item found inaccurate or unverifiable information must be shared between all three bureaus. Transunion and Experian have refused to follow the guidelines they have in place or provide proof used to verify data repoerting.

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 2021-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
The original creditor XXXX XXXX XXXX  has recognized this item as identify theft and no longer reports to the credit bureaus, or has been blocked from reporting by the credit bureaus. CKS Prime investments is a third party debt collect they sold the debt to before the investigation was complete. Because the original creditor recognizes this account for what it is, I request that the third party debt collector, CKS Prime investments do the same, and either voluntarily stop reporting, or the Credit bureaus should recognize this as party of the original debt that has been resolved and block CKS from further collection attempts including credit reporting.

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 2021-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC
State: FL

Complaint narrative:
After recently reviewing my credit reports. I have noticed a account I do not recognize. I asked XXXX  & XXXX  to investigate and verify a collection from " MOUNTAIN RUN SOLUTIONS ''. I have not received any response from the credit bureaus since XXXX regarding the investigation. I have asked the credit bureaus multiple times with no success. I have also reached out to Mountain Run Solutions, where I directly requested them to validate the debt ( show me proof that the debt is mine ). First letter was sent on XXXX, second one was sent on XXXX & third was sent on XXXX. No response from any parties involved. The collection account is also not showing in dispute, they are blatantly ignoring me.

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 2021-05-02 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: MD

Complaint narrative:
XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2021, I filed a dispute with PayPal on a transaction through XXXX. I notified PayPal Credit and Pay about the transaction dispute ; on XX/XX/2021, Paypal Credit put charged {$280.00} ( Transaction ID XXXX ) back on my account. Paypal never closed my account dispute ( Case ID : XXXX ) ; they sided with the person that conned me on XXXX. A seller sent me the tracking number ; however, the item was not a XXXX switch. It was a bag of rubber bands that they sent to me. I felt that this seller had duped me. I have provided the pictures to Paypal to show proof with the tracking number included with the package. After the item was purchased from XXXX, the person removed his account from the seller 's log. I provided the information with pictures. I sent all the information to Paypal, yet they sided with the seller. I will not allow the seller to con me. I sent all the evidence to Paypal ; it angers me that they sided with the seller without contacting me for more evidence. They have delayed the dispute ; the credit card company ( Paypal credit ) recharged {$280.00} without contacting me immediately. I feel that Paypal is looking the other way, allowing fraud transactions to occur. I waited over 4 hours to reach a live person they still did not resolve my situation. I had to hang up. Its been over four months since they never replied and I am not able to get a hold of anyone.

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 2021-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The original creditor XXXX XXXX XXXX has recognized this item as identify theft and no longer reports to the credit bureaus, or has been blocked from reporting by the credit bureaus. XXXX XXXX investments is a third party debt collect they sold the debt to before the investigation was complete. Because the original creditor recognizes this account for what it is, I request that the third party debt collector, XXXX XXXX investments do the same, and either voluntarily stop reporting, or the Credit bureaus should recognize this as party of the original debt that has been resolved and block XXXX from further collection attempts including credit reporting.

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 2021-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The original creditor XXXX XXXX XXXX has recognized this item as identify theft and no longer reports to the credit bureaus, or has been blocked from reporting by the credit bureaus. XXXX XXXX XXXX is a third party debt collect they sold the debt to before the investigation was complete. Because the original creditor recognizes this account for what it is, I request that the third party debt collector, XXXX XXXX XXXX  do the same, and either voluntarily stop reporting, or the Credit bureaus should recognize this as party of the original debt that has been resolved and block XXXX from further collection attempts including credit reporting.

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