vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
Equifax Security Breach XXXX. Fraud Alert placed in XXXX due to my information being stolen & used. I have worked for 4 years rebuilding my finances, and correcting all the issues this breach caused. I have repeatedly tried to remove the Fraud Alert, when it was pointed out by many Banks, Business 's, this was causing my efforts in rebuilding, to be stopped. Equifax has denied every Bank & Bossiness an actual updated report and current credit score. As of early XXXX, they stopped, all updating and have left my report and score, where it was in XXXX Credit Score XXXX I have fought to get this corrected & Alert removed. But they will not update my Credit Score, from its status in XXXX to XX/XX/XXXX The Alert is removed now, but Equifax is now refusing to finish the process, by actually updating my Credit Score to what it is. It is stopping us from purchasing a home, as we are told " the scores from XXXX & never been updated " .and a Mortgage Company will not accept our explanation, as to why. 
XXXX  is current in every way .... 
The only Equifax CS Person named XXXX and the 2nd person XXXX, have said is " your accounts are all in Good Standing. " I am very well aware of that. Then she gave me this " Confirmation number XXXX " Now, I am being bombarded with Equifax Sales Tactics to purchase their items. But all I want is a correted updated accurate file and current score..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Facts : 1. In XX/XX/XXXX, I was displaced from my Chicago home because of COVIDs global pandemic. 
2. As a result, I was not receiving statements therefore, I was not able to keep an eye on the details of the statement. 
3. Three purchases were made under my account. 
a. Exhibit A i. XX/XX/XXXX two queens for {$980.00} 1. 12-month promotional purchase b. Exhibit B i. XXXX King size mattress for {$1000.00} 1. 6-months promotional purchase ( amount financed XXXX ) 2. This purchase was returned to the store for a defective item. 
c. Exhibit B i. XXXX- New King size mattress for {$1800.00} + Tax - 1. 18- month promotional purchase ( amount financed XXXX ) 2. This purchase was not correctly calculated as it kept the balance for the return on six months promotional and applied this amount to the new purchase. This is incorrect. 
4. Exhibit C The disproportionate impact on me from Covids Global Pandemic created hardship to minorities and a negative financial situation. There are clear and improper accounting errors made with the returned purchase which created the issue where more funds were applied towards a shorter expiration on the promotional offer and less towards the longer one. I wish the email would have read Promotional expiring shortly. But it does not! 
5. Exhibit D Since the payment was being made automatically, it continued to accrued interest and literally taking my limited funds during this very unfortunate time, due to Covid, on minorities as myself.

6. Exhibit E I caught the issue when I added an account and received the new bill at my new address. I uncovered this issue and called to ask for a full return of my disproportionate impact this is having on me as a XXXX 
7. Exhibit F I politely request a full refund as it could be viewed as a predatory lending practice to charge {$440.00} on a {$200.00} balance. 

XXXX XXXX XXXX XXXX XXXX, XXXX, TX 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 2021-05-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have made a purchase at Best Buy for new computer, it was not working, I returned computer to a store and was issued credit, but that credit was never applied to my credit card. I have contacted Citi Bank numerous time, they issued the best buy card and was denied credit, despite I have a credit slip from store.

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 2021-05-18 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: GA

Complaint narrative:
GOOD AFTERNOON, I WOULD LIKE TO EXPRESS AN IMMENSE AMOUNT OF CONCERN REGARDING THE XXXX VACATION ACCOUNT THAT IS CURRENTLY REPORTING ON MY CREDIT REPORTS : XXXX  AND TRANSUNION. I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO RECTIFY THIS ERROR SINCE XXXX OF 2020. NOTHING HAD BEEN DONE BY NEITHER CREDIT BUREAUS, NO ACTION HAS TAKEN PLACE TO THIS MATTER. I DEMAND TO KNOW WHY THEY HAVEN'T BEEN ABLE TO REMOVE THE NEGATIVE ACCOUNT, I HAVE NOT RECEIVED ANY RESPONSE FROM THEM EITHER. PLEASE HELP ME WITH THIS MATTER IN ORDER TO RESOLVE THIS ISSUE ... .I GREATLY APPRECIATE IT.

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 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have been charged a " minimum interest charge '' on my account even though I paid the entire amount ( actually rounded up I paid above the full amount ) onXX/XX/XXXX when the due date wasXX/XX/XXXX. I paid my account above in full 22 days early and I am still being charged some fee called " minimum interest charge ''. Additionally, there is not even a bill created that shows this fee. I am attaching screen prints of my transactions, statement balance and proof of no statement. This bank, Comenity, is in the wrong. Additionally, their customer service has disconnected me twice while trying to resolve this issue and have this illegitimate fee removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. 

I do XXXX XXXX XXXX, I am quite known in the XXXX XXXX and I always deliver my commissioned works on time. I have done nothing wrong. 

I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I use PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I received a collection account notification on my credit reports for Credence Rm 11 XXXX XXXX for {$270.00} in which I do not awe. I have never done business with them and am currently doing business with XXXX and they have advised that I do not have an outstanding balance with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I received a letter datedXX/XX/2021 from Portfolio Recovery Services. They stated they were attempting to collect a debt from XXXX XXXX. The XXXX  XXXX debt they are attempting to collect on I am entitled to SCRA benefits on in accordance with the Ohio Revised State Code. I would like a verification of debt to include the list of charges and the amount owed. I can not determine whether the company is using my account for monetary gains that are not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2020 I received a letter from Capitol One stating the account number XXXX shown on my credit report was found fraudulent. Capitol One also stated they sent a request to the following credit bureaus XXXX, XXXX, XXXX, and XXXX to delete the above referenced acount from my credit report. The fraudulent account is currently still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
On XX/XX/2021, ABILITY RECOVERY SERVICE increase my balance by {$20.00}. On XX/XX/2021, I sent a debt validation. On XX/XX/2021, I received my original contract from the agency & that states that my original account balance is {$870.00}, not {$890.00}. Per 808. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

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 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email from Mr. Cooper Mortgage Lender letting me know that my home loan from XXXX XXXX had been transferred to Mr. Cooper effective XX/XX/XXXX. The email itself contained a sentence in bold letters that read, Rest assured, the terms of you loan remain the same. The terms of my loan, when it was transferred to Mr. Cooper was to have Fixed Interest, no Escrow Account and no Homeowner 's Insurance. 

In XX/XX/XXXX, I received a letter from Mr. Cooper saying that I owed my homeowners insurance. On XX/XX/XXXX, I called customer service and explained the situation. The customer service operator read my loan paperwork and agreed that I pay my own insurance. 

On XX/XX/XXXX, I received a letter from Mr. Cooper saying that there was a twenty-eight-cent shortage on my escrow account and starting XX/XX/XXXX my New Mortgage Payment would increase by ten-cents. 

On XX/XX/XXXX, I called customer service and explained the situation. The customer service operator read my loan paperwork and agreed that I pay my own property taxes however they couldnt help me over the phone? I was asked to email the Escrow Specialist at XXXX On XX/XX/XXXX, I emailed the above link, I explained the situation and asked to have the new projected escrow removed ( it's been over 30 days and I haven't heard back from them ). 

I recognize that a ten-cent difference on my mortgage is pennies on the dollar. Non the less, Mr. Cooper Mortgage Lender is breaking the terms of my loan regardless of the amount. I don't owe that mortgage company a penny more that what the terms of my loan are. If this mortgage company can break the terms on the loan of person who Does Not have an escrow account, it make me wonder how much more they are charging customer who Do Have an escrow account? 

In XXXX, California Attorney General XXXX XXXX reached a settlement against Nationstar Mortgage, which does business as Mr. Cooper because the mortgage servicer engaged in unlawful practices. Loan modifications was among the unlawful practices. This settlement was supposed to send a strong message that excessive fee or the harmful practices were not going to be tolerated. Im not sure that Mr. Cooper Mortgage Lender has changed their ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have been trying for several weeks to pay my Comenity Bank Victoria 's Secret Credit Card Bill. I have been locked out of my account, which can only be unlocked if I provide by account number. When I called to ask for my account number, I was told I should look on my statement. However, I was signed up for e-Statements which I could only access through the very account I was locked out of. 

Through some investigation and searching around, I was finally able to locate my account number and schedule a payment, only to find that I had been charged {$69.00} in fees on a {$90.00} balance! The total fees is over 75 % of the amount actually charged to the card at a time when they refused by attempts to get into my account to pay my bill. This is absolutely predatory, the fees should be refunded immediately, and they should fix their system to allow alternate ways to access statements, such as embedding in email or allowing two factor authentication to access accounts like many other financial services do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Outsourcing, Inc.
State: MD

Complaint narrative:
I have repeatedly received calls and voicemails from " Receivables Outsourcing , LLC '' ( Address : XXXX XXXX XXXX , XXXX, MD XXXX ) who claim I owe a debt. They ask for personal information over the phone without being clear who they are or why they are calling. I have repeatedly asked them to send information about any debt via mail ; they claim they have done so but I have never received any information about a debt owed. I have repeatedly asked them to stop calling, but they continue to periodically call using an automated system ( most recent on XX/XX/21).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: FL

Complaint narrative:
I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately and that you verify these belong on my credit file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this dispute. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize. XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a cashier 's check of {$3300.00} into my new account with Capital One 's XXXX checking accounts on XX/XX/XXXX. My funds have not been available for withdrawal and any attempts to touch my balance is denied. 

I have been calling their financial security department for two weeks and have experienced high wait times, over an hour waiting, with no assistance with this issue. Their customer service department can not assist retrieving my funds and I receive no callbacks from their security department. 

As of today XX/XX/XXXX, Capital One is holding over {$3300.00} of my money hostage in their system. They have no interest in releasing my funds, and have cost me late payments and a credit card fee for a denied payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Contacted Midland Funding back in XX/XX/2016 as I am unaware of this creditor the debt collection is for {$1000.00}. They did not have any information regarding who the creditor is, so I am not sure if this is a duplicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: NJ

Complaint narrative:
I have filed a dispute on my credit report, it has been well over 30 days and I haven't receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
PENFED CREDIT UNION XXXX APLICATION # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern : After reviewing closely my credit and my income I found no reason to be denied for this loan I have excellent credit history and have never pay anything late, my house, my car payoff is pay off and I was denied. 
The only conclusion is that you are discrimination against me and my age. 
I WILL TAKE THIS TO THE FULL EXTEND It is impossible given my credit history to be denied and your reasoning of RATIO OF BALANCE AND OTHERS JUST NOT MAKE SENSE I WILL PLACE A COMPLAIN TO all authority that deal with your behavior. 
Consumer Financial Protection Bureau, XXXX XXXX XXXX, Federal Trade Commission, State Attorneys

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 2021-05-18 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: NY

Complaint narrative:
An account was opened in my Name with XXXX. I noticed this when I ordered my free annual credit report a couple of years ago. I reported this information to the credit bureaus as well as XXXX XXXX/XXXX  along with an identity theft and police report. Around the time that the account was opened, I was the victim of a hate crime where swastickas were graffetied on the walls of my building where I was staying in XXXX XXXX, New York and residing at the time. 

This account was opened with an address of XXXX XXXX XXXX, XXXX XXXX, NY XXXX which is a Virtual Mailing Office that I've never done business with. 

At the time this account was opened as a result of identity theft, I was under the supervision of the XXXX XXXX Court in XXXX, New York as an Order of Protection was issued by the same court for my personal safety and security. This came after my ex-roomate - who had access to my home office which contained true copies of my Passport, NYSID, Birth Certificate and Social Security Card - attempted to assault me and was charged by the same court. 

A XXXX shipment containing legal documents including my social security card, passport and NYSID was stolen out of my mailbox before it was picked up by a XXXX Driver for processing and delivery. 

A XXXX XXXX money transfer account was also opened around this time to send money to others using my name and date of birth ( identity ) without my permission or authorization. 

Another credit card was opened with XXXX XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports. 

Another credit card was opened with XXXX which I reported as identity theft and was formally investigated. After a formal investigation, it was found that my allegations were truthful and I was released from Liability and this account was removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I mailed out letters to Equifax, XXXX  and XXXX  on XX/XX/2021 about HIPPA Law Violation reporting on my consumer report. I have not received any response and its been over 45 days and thats a Violation. Also, Equifax, XXXX, or XXXX  also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts for the HIPPA Violation and the bankruptcy after I disputed and they are suppose to enter the notice within 30 days and its been 45 days.

Company response to consumer: Closed with explanation