vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
If you look at my account in XXXX, I had a XXXX balance. In XXXX somebody had found my card and decided to use it without my knowledge without my permission. I am mediately called you. I reported every transaction in XXXX. Let me repeat that I reported every single transaction in XXXX as fraud. I was told not to worry about it you had marked everything is fraud and you were going to investigate. Two months later I received a letter from you stating that the fraud investigation had been resolved and Im not responsible for anything. For some reason I have a balance of {$2400.00}. You have been charging me interest for the fraudulent transactions which Im pretty sure its against the law. Youve also charged me the late payments for the fraudulent transactions again pretty sure thats against the law. Im not sure if youve increased my APR or not to a penalty rate because you claim I am behind. First time I called today I was speaking with a woman. I explained that I had a XXXX balance. Then I had fraudulent charges after they were investigated. I should have a XXXX balance, but I dont for some reason. She put me on hold and then hung up on me. I called back. I got a gentleman this time who was clearly confused by what I was saying. It seems so simple. Its obvious that you have not credited for me and I shouldnt be charged interest in late fees on a fraud investigation. He put me on hold multiple times then tells me I should contact customer service keeping in mind that I spoke with customer service and they were the one that transferred me to the fraud department. The fraud department wanted to transfer me back to customer service. The automated system said that the call is being recorded and monitored or maybe the agent said it was being recorded and monitored. If thats actually true, you should go back and listen to this conversation. Im being is polite as patient as simple as I can be, and Im clearly confusing the guy With all due how did this guy get his job? Hes really nice but clearly is clueless as to what hes doing.

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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX. XXXX? XXXX & XXXX XXXX : Account XXXX. is XXXX ( {$780.00} ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX, I am a XXXX XXXX and XXXX XXXXXXXX and can not go to the branch directly. I am authorized by my son to help me open a capitol one saving account online, together with my husband. Since we are planning to put our retirement savings into the Capitol One savings. However the Capitol one is giving us a really hard time for us to access the opened account by verifying the mobile phone, which belonged to our son and we don't have it under our name. Since we can not access the online account I told my son to call Capitol One to close my account together with my husband, since we don't want to have a relationship with them. But Capitol One told my son I should go to the branch in person to close it, which is impossible for me to do. If I know Capitol one is so hard to deal with I will never ask my son to help me open it online. Now I just want my account in Capitol one to be closed and I don't want a further relationship with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: PA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I have an old credit card with XXXX XXXX XXXX that was opened in XX/XX/XXXX and marked as charged off in XX/XX/XXXX. My credit report is still showing that there are late payments as of XX/XX/XXXX. There is a 90 day late payment being reported to Equifax in XX/XX/XXXX and a 90 late payment being reported to XXXX in XX/XX/XXXX. I called XXXX XXXX XXXX and they will not remove any late payments from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached

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 2023-03-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, there was a fake closing on my property which I was the seller with no funding. The Title Attorney/Escrow Officer for XXXX XXXX XXXX XXXX orchestrated the deception and fraud is XXXX XXXX XXXX XXXX Her location is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX, email : XXXX. XXXX XXXX of XXXX XXXX XXXX, XXXX was the Investor/Buyer in this closing. XXXX location is : XXXX XXXX XXXX XXXX, XXXX, TX XXXX, email : XXXX. XXXX and XXXX engaged in constructive fraud by misrepresenting a closing on XX/XX/XXXX in which they both knew there was no funding. The continued the deception by fraudulent non-disclose of material information including the closing records, proof of payoff. XXXX breached her duty of care and fiduciary duty to XXXX by failing to advise the XX/XX/XXXX closing was not legal. XXXX engaged in selling the property, again, from XXXX to another Investor Buyer, XXXX XXXX, of XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX address is : XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX, email : XXXX. XXXX XXXX, an Attorney, sent me a letter in XXXX stating that she purchased the property from XXXX on XX/XX/XXXX and knew that the XX/XX/XXXX closing had no funding. XXXX bad business practices included misappropriating of funds. XXXX recorded false security instruments, General Warranty Deeds executed on XX/XX/XXXX and XX/XX/XXXX to be recorded by a government agency, the XXXX XXXX Clerk, XXXX XXXX XXXX, of XXXX Texas on XX/XX/XXXX and XX/XX/XXXX respectively. XXXX intentionally filed the XX/XX/XXXX instrument after the XX/XX/XXXX closing was done and waited three weeks to file the XX/XX/XXXX closing so it wouldn't affect the chain to title on the property. XXXX knew that her conduct was contrary to my interest. Her actions incited me to vacate my property when it property was not legally sold so it may be illegally transferred. XXXX unprofessional conduct, fraudulent and deceptive actions caused me financial and mental damages. The Creditor, Caliber Home Loans , Inc., XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX refuse to send a copy of the check/wire that paid off the debt. There is no way to see what was paid off and/if a Short Sale was negotiated or the payoff was renegotiated since I had disputed the amount. I would not have sold my property to XXXX XXXX if I did not close on XX/XX/XXXX. XXXX took that option out of my hands when she misappropriated funds and property on XX/XX/XXXX. I have never received a closing package from XXXX. The only document I received was a HUD Settlement Statement in XX/XX/XXXX which has the XX/XX/XXXX closing information which is not true. The XXXX, XXXX XXXX, confirms she did not fund the property on XX/XX/XXXX or ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: PA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Conn's, Inc.
State: AZ

Complaint narrative:
I am trying to ressolve my complaint with Conn 's for over 1.5 years. I only purchased a Tv for {$390.00}. Conn 's have charged me interest on the amount I never took delivery on. My account has not been adjusted to reflect the removal of the {$160.00}, {$260.00} and {$79.00}. Now Intrest has occured and I should have had an lower payment when the items where removed but instead the payment stayed the same. 

I am willing to pay the amount I owe for the TV, Tax not anything else. 
I have not been working whioch I have exlained to them and recently have been placed on FMLA. I explained I wold like a new ledger showing the current charges. Conn has refused to provide an updated satement refelcting the credits for items I never took delvier or scheduled a deliver for. Infact the items were never removed from the orignal purchase and I have been charged interst for all of them instead of 1 item the TV for {$390.00}. 
I explained I can make a paymnet of {$40.00} a month and they refuse to take the payment Rather I recieved this email from them today : XXXX You have had more than enough time to pay, get all of the answers you have deflected back to instead of making the payments. The last payment has been made since XX/XX/21. Actually, it is the opposite. We are accepting less than the {$1100.00} balance that you owe. The last payment made was XX/XX/21. Have you been unemployed for the last two years? You have mentioned several reasons why you refuse to pay, can not pay and deflect away from making the payments. How long have you been without an income? Is your spouse working? What other bill can you pay {$40.00} on in order to make a full payment on this bill? 

Conn 's is abusing their rights by asking me the questions above. As I mention I am out of work on FMLA and have not been working but they do not understand. 
I would like to only be charged for what I took ownership of the TV plus tax not all these additionla fees and I want to see a new ledger reflecting the credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I have previously filed a complaint against Shellpoint mortgage ( complaint XXXX ) on XX/XX/XXXX to which they have not responded. In the meantime the problem has escalated. In attempt to correct the unauthorized increase in my monthly payment to cover an escrow placed insurance I do not have. I sent proof of my homeowners insurance that I pay monthly myself. I explained this in writing to the insurance department myself via email. Today ( XX/XX/XXXX ) Shellpoint paid out {$1700.00} for the annual policy that started almost 7months ago and I have been paying for every month on my own. They now have my escrow as negative {$920.00} which means when my property taxes are due they wont be able to pay those. I can already foresee them trying to increase my monthly payment again because of the negative escrow that THEY created. I have called numerous times and nothing is being addressed.

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 2023-03-24 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: GA

Complaint narrative:
I have made several attempts to correct this issue over the past few years. I last spoke with XXXX and Transunion on XX/XX/2023 regarding a charge off account with XXXX in the amount of {$0.00} I I have been informed by this company to contact XXXX and TransUnion regarding this issue. There has not been any resolve and this account is not accurately being verified as well as being reported incorrectly. Also, my personal information was not correct when I called to discuss this account. The credit bureaus corrected my person information, but did not remove this 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 non-monetary relief
Consumer complaint received 2023-03-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  # XXXX ; Account Name : XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX # XXXX ; Account Name : XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX XXXX # has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account with my written instructions.

15 USC 1681c ( a ) ( 4 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
No attempt was made from XXXX XXXX XXXX to communicate a bill was due before they sent it to debt collections. I am on XXXX XXXX military and am not at the physical location to receive mail at the address they have on record.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I received a bill from XXXX in the amount of {$120.00} in XXXX of XXXX for a " missed appointment '' fee. However, I did not miss any appointments. I attempted to contact XXXX  via telephone in XXXXXXXX XXXX  XXXX and also in writing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, with NO RESPONSE from them. 

I received a collection notice from Merchants ' Credit Guide Company on XX/XX/XXXX for the amount of {$120.00}. I completed the dispute portion of the collection notice and returned via US mail on XX/XX/XXXX. In addition, I sent a detailed request for verification of debt and dispute of debt to Merchants ' Credit Guide Company dated XX/XX/XXXX. 

I requested the verification and submitted my dispute, again NO RESPONSE. I received an alert on XX/XX/XXXX that I have an account in collections on my credit report from Merchants ' Credit Guide Company in the amount of {$120.00}. 

I never heard back from XXXX and I never received a response from Merchants ' Credit Guide Company regarding the verification of debt and dispute I submitted via USPS on XX/XX/XXXX. 

The fact is I have showed for every appointment, I do not owe this amount of money to XXXX, and this is an obvious billing error that no one will respond to me to correct the issue. Merchants ' Credit Guide Company ignored my request for Verification and Dispute. 

I maintain nearly an 800 FICO score, I pay my debts that I owe on time, I do not allow accounts to go into collection, and I have been a customer of XXXX for nearly 5 years without instance. 

I request that Merchants ' Credit Guide Company respond to my verification of debt and dispute letter with the information requested, including and signed agreement for the debt obligation which is the subject matter of this dispute, an explanation of how this amount was calculated, proof that the debt is mine, and proof that I did not show up for the scheduled appointment at a minimum. 

I know Merchants ' Credit Guide Company received my letter of dispute and verification of debt request because of the note that was placed on my credit report. Disputed/ FCRA compliant. 

I don't have issue with paying debt that I owe, but this is not my debt. If it was my debt, would it be logical that I would let a {$120.00} bill negatively impact my credit? No! This is a perfect example of Merchants ' Credit Guide Company parking debt.

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 non-monetary relief