vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 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: DC

Complaint narrative:
A card at this institution was fraudulently opened up in my name. I apprised them and they have not closed the card. They wrote me, stating they do not believe it was fraud.

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 2021-08-02 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We bought a house in XXXX. We sold our old house in XXXX. In XX/XX/2021 we started to pay off our new mortgage in the money from the sale. Capital One would not allow an electronic money transfer so we had them write a cashier 's check for {$250000.00}. This was sent out on XX/XX/XXXX to XXXX XXXX ( who holds our mortgage ). XXXX XXXX signed for the check on XX/XX/XXXX, but then lost the check (! ). Capital One said they could not put a stop on the check until 90 days after. On XX/XX/XXXX, XXXX XXXX found the check and tried to deposit it into our mortgage account. In the meantime Capital One put a stop on the check without telling us and before the 90 day deadline they told us about. 

Now Capital One will not give us our money back. They have been holding our {$250000.00} since XX/XX/XXXX, even though they put a stop on the check. They cancelled our cashier 's check and have kept the money somewhere and have not given it back to us. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, CITI CARDS cashed my check ( Check # XXXX ) dated XX/XX/XXXX for {$240.00}. But CITI failed to credit my account and maintained I owed CITI CARDS {$240.00} despite irrefutable, computerized meta-forensic evidence to the contrary, as discovered by my bank, XXXX  XXXX XXXX ( XXXX  ), through its investigation. CITI also penalized me by imposing late fees and interest on the {$240.00}, which eventually ballooned to {$280.00}. I, under duress and from CITI 's bullying, harassing tactics, paid off, under protest, the {$280.00} demanded by CITI. Now, CITI penalized me again by charging an additional {$2.00} interest that arose from CITI 's initial {$240.00} criminal, fraudulant activity. In the meantime, XXXX  conducted an intensive investigation into this matter and found that CITI did in fact commit FRAUD and THEFT against me. I wrote CITI on XX/XX/XXXX a Written Billing Error Notice about XXXX 's conclusions about the case and demanded that CITI correct its XX/XX/XXXX Statement stating I owed CITI {$2.00} penalties/fines. On XX/XX/XXXX, I received from CITI a letter stating this : " We're currently reviewing the information we received, and we'll contact you once we're finished. '' Today, XX/XX/XXXX, I received a XX/XX/XXXX Statement from CITI stating that since I failed to pay the {$2.00} extra in fines/penalties/interest ; Citi is increasing my debt to {$2.00}. According to XXXX, since it found in my favor, I do not have to pay CITI. I see why I need to pay CITI for something based on FRAUD from CITI in the first place. I need the U.S. federal government 's Executive Branch to enforce U.S. law and punish CITI for fraud and theft against me. This is why I'm contacting the CFPB since it's part of the Executive Branch. CITI acts like it owns the federal and state governments -- -does 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 monetary relief
Consumer complaint received 2021-08-02 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: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
So I was staying with a family for sometime and while trying to get back on to my feet my social security card and information was used with out me knowing and took out a couple of credit cards I believe one for kohls and capital one I had already had these disputed but for some reason they keep showing up on my credit how can I make sure that this account that was opened fraudulently is closed and not used against me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: GA

Complaint narrative:
On XXXX Sterling provided a background check with many completely wrong information which then, in turn, lead me to not get the job

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 2021-08-02 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: OK

Complaint narrative:
I have attempted, to have remove from my Experian credit profile a collection account that is not mine, the Company XXXX XXXX XXXX has no contract with me or my signature with such. I have repeatedly requested for this to be removed. They state they purchased a Account from XXXX home XXXX that is mine XXXX has been sued by the FTC for ghost accounts where their employees opened fraudulent accounts. I have as stated requested a contract from XXXX XXXX XXXX between myself and them and they have not provided such as stated earlier. If they did in fact pay off an Account the account is paid and they have no right to attempt to collect this disputed debt they have done nothing but continually verify but not proven with a contract they are pursuing a fraudlent debt not owed by me from a company that has been closed for over 7 years they have violated their right to legally operate and have gone against the standards set forth by the FTC in regards to their operations. They also have not reported this as a Disputed account which they were informed I do not owe them or XXXX any monies and Experian should report the account accurately or be fined please help thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Coradius International LLC
State: NV

Complaint narrative:
I sent AMERICAN CORADIUS INTERNATIONAL LLC a cease and desist with a debt validation letter attached on XX/XX/21 after I received several phone calls and voicemails from their agents on XX/XX/21 and XX/XX/21. The letters were sent certified mail with green receipt number XXXX XXXX XXXX XXXX XXXX. The green receipt was sent back to my location on XX/XX/21 and it shows that it was received by an individual with an illegible signature on XX/XX/21. In my cease-and-desist order I demanded that AMERICAN CORADIUS INTERNATIONAL, LLC respond to my debt validation letter and cease all collections of the alleged debt until I can validate it. It has been 27 days and I still haven't received a written response from AMERICAN CORADIUS INTERNATIONAL, LLC. Due to no response, I have not been able to exercise my right in validating the alleged debt. AMERICAN CORADIUS INTERNATIONAL, LLC is in violation of Federal law. Pursuant to 15 USC 1692g ( a ) I was supposed to receive a written notice within 5 days of initial communication. AMERICAN CORADIUS INTERNATIONAL, LLC has failed to comply with this statute. My privacy has also been infringed upon due to numerous individuals communicating with me on behalf of AMERICAN CORADIUS INTERNATIONAL LLC, they are uninterested parties in this matter who do not have my consent to contact me. Furthermore, I am not sure how AMERICAN CORADIUS INTERNATIONAL LLC received my private information or who gave them written or oral consent to contact me otherwise I will need contractual proof. AMERICAN CORADIUS INTERNATIONAL LLC, is liable of committing identity theft, fraud, and defamation of character both libel/slanders. I need this matter resolved immediately. Please respond in writing so that I can resolve this matter and reclaim my worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: NJ

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act., 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ). You are falsely and misleading representations. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UPGRADE, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, I got an offer from Upgrade saying I was pre approved for a {$3500.00} credit limit. I applied as I am building credit and need a higher limit than I currently have on another card. I was approved, and they extended a limit of {$1000.00} and the rest would be unlocked after I submitted my two most recent paystubs. I did this that same day, XX/XX/XXXX. I did not hear a single thing from this company until XX/XX/XXXX when I got an adverse action notice saying my application was denied because they didnt receive my paystubs. They gave me a support email and phone number if I had any questions. I emailed on XX/XX/30 and someone emailed me back saying they cant help me and I have to call. Ive called 3 times now today XXXX with a 20 minute wait time each and every single time the agent puts me on hold to research my account and then hangs up on me. I cant get a straight answer. I feel like I was lied to about the credit limit and they had no intention of giving me the higher limit and I would not have opened the account for the lower limit. It wasnt worth it to do it and I feel like I was part of a bait and switch. The fact that I keep getting hung up on is concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
these accounts that appear on my credit report, without any authorization, are not mine, please check them. 


XXXX Account Number : XXXX This is not mine. 

CAPITAL ONE Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX**** This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Larsen & Associates, P.L.
State: FL

Complaint narrative:
I received a letter from an attorney acting as a debt collector. I disputed the amount owed. It is for HOA fees. Within the required 30 day period. I asked for verification of the debt. This was the first I knew of the debt. They did not respond within the 30 day period as required. I then paid what was owed. 3 months later I received a letter stating that I still owed money. I again asked for verification of the debt within the required time period. They again did not respond within the required 30 days. I then paid my fees through XXXX then out of the blue 4 months later on XXXX I received the verification of debt. This was 8 months after my first request and 4 months after my original request attorney also charged XXXX for it. He is required to provide this info. He has been unresponsive and has been threatening me with legal action.

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 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am sending this complaint but more than a complaint, this is an intent to avoid any further action against Synchrony Bank. I've been trying to solve this situation for months and I've been ignored. 

There is a late payment reported in XX/XX/XXXX. I Called Synchrony in early XXXX around same time payment was due and told them about a deferment, I told them that Id pay on the XXXX and they said ok! I recently brought account current on XXXX. 

The Motor finance dealership financed through synchrony bank. I get mailed statements and it took around XXXX years to get auto pay. I just put it on auto pay after the late payment was reported. 

Synchrony account # XXXX, opened date XX/XX/XXXX, high balance {$7900.00}. 

I am just another client trying to get his credit freedom back, however this company has been negligent, they said it was ok for me to pay on XX/XX/XXXX. This didn't happen because I just didn't want to pay. 

My request is that Synchrony removes the late payment or the entire trade line of the account and sends the notice to the 3 major credit bureaus. This situation is overwhelming, I've been with several physical manifestations of XXXX. My financial life is being affected and I just want a fair solution to this problem. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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 — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: NJ

Complaint narrative:
An auto loan with US Bank was on autopay. The banks system suddenly didnt recognize an account and instead of notifying me in a timely fashion, they called me on day 29. I paid that day but it wasnt processed for 3 days and the account was reported as over 30. This contradicts what they told me.

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 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Bank placed a 10 day hold on a payroll check refuse to lift it. Spent XXXX hours dealing with it with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: International Computer Systems, Inc.
State: AR

Complaint narrative:
My husband worked for he's properties untill XX/XX/XXXX of this year. However when he left one property for another, they added a false collection to our account as " pay back '' for their lost worker ( my husband ). They have no lease or contract that proves any ownership of the debts they claim we owe, nor has a judgement ever been ordered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. and violation of 15 US Code 1692e ( 2 ) ( a ) - the character amount or legal status of any debt. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom this may concern, I have disputed past fraud accounts and have placed alerts on my credit report to refrain from possible identity theft, and still fraud accounts are being falsely reported on my credit report. I have had a hard time proving my innocence in this matter and will not tolerate such a crime. I am growing angry and exhausted with this system that doesn't protect citizens account from such fraud. It should not be this easy for some complete stranger to live and purchase things as me and I get the bill when I have no knowledge as to how to prevent such a crime when I have followed and did what was asked of me by the bureaus. Please, please rid these accounts from my report and place an alert that will notify me directly!

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 2021-08-02 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: FL

Complaint narrative:
To whom this may concern, I have disputed past fraud accounts and have placed alerts on my credit report to refrain from possible identity theft, and still fraud accounts are being falsely reported on my credit report. I have had a hard time proving my innocence in this matter and will not tolerate such a crime. I am growing angry and exhausted with this system that doesn't protect citizens account from such fraud. It should not be this easy for some complete stranger to live and purchase things as me and I get the bill when I have no knowledge as to how to prevent such a crime when I have followed and did what was asked of me by the bureaus. Please, please rid these accounts from my report and place an alert that will notify me directly!

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 2021-08-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom this may concern, I have disputed past fraud accounts and have placed alerts on my credit report to refrain from possible identity theft, and still fraud accounts are being falsely reported on my credit report. I have had a hard time proving my innocence in this matter and will not tolerate such a crime. I am growing angry and exhausted with this system that doesn't protect citizens account from such fraud. It should not be this easy for some complete stranger to live and purchase things as me and I get the bill when I have no knowledge as to how to prevent such a crime when I have followed and did what was asked of me by the bureaus. Please, please rid these accounts from my report and place an alert that will notify me directly!

Company response to consumer: Closed with explanation