vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 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: TX

Complaint narrative:
I was in the process of buying an ATV for summer fun. As I was looking for the XXXXne I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim oXXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$930.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: TX

Complaint narrative:
I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$930.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
on XX/XX/2020 i sent a letter to HEAD MERCANTILE CO I DISPUTING A ALLEGED ITEM that they are reporting on my account asking them to validate the information @ hand because it hurting my credit also a violation of the Hippa agreement sharing medical information without my consent to third parties.I am asking for your assistance in this matter in correcting this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX20 my bank, XXXX XXXX, overnighted a check to Citi to pay off a credit card debt in full. The check was for {$14000.00}. XXXX Checked cleared, per bank, on XX/XX/XXXX20 ). After approximately 5 days, Citi was contacted to determine why check was not reflected on online portal. Informed to call back as it may not of been processed yet. On XXXX/XXXX/20, I called and informed payment not received and payment investigation was launched by Citi. I was later informed that check had been deposited in another account at Citi. Later, I learned XXXX XXXX had sent check without any of my identification. XXXX  XXXX submitted copy of check and letter to Citi for clarification as requested. Multiple phone calls ( totaling over 20 hours with wait times, etc ) to Citi. On XX/XX/XXXX I filed complaint with XXXX as issue had not been resolved. Subsequently, my account was appropriately credited and I closed complaint. Then, XXXX balance was placed back on my card. Again, more calls to Citi. After multiple calls, account again corrected to balance of XXXX XXXX I was provided a XXXX $ Customer credit for the trouble XX/XX/XXXX. XX/XX/XXXX my account balance was - {$25.00} ( reflecting gift and XXXX $ debt ). The following week, I noticed balance of XXXX XXXX Again multiple calls escalated. Today- 3 months later in totality- and issue still not resolved. Bank has submitted all requested information as I have been emailed fax confirmations from them, as well. I was recently was told by account supervisor XXXX at Citi on XXXX that all they needed was copy of check and it would be fixed. Issue still not fixed and told they need statement which my bank submitted. Reoccurring negligence and issue needing resolved expeditiously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion file number : XXXX XX/XX/2020 shows a phone number XXXX is not my phone number and it belongs to a company and it needs to be removed on page 1 of 11 under Personal Information or Transunion needs to provide proof of such number in personal cell phone name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: OR

Complaint narrative:
I had a credit report pulled by Experian. The report showed a loan that I did not have or ever apply for. I initially called the company that the report showed I had a loan with but they couldn't find me in their system by name or SSN. I then talked with Experian and found that my report/file merged with someone else 's with a similar name/SSN. Experian is correcting the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: Exeter Finance, LLC.
State: WI

Complaint narrative:
I am disputing my two late payments reported on my credit. The finance company reject a payment XX/XX/2020 from XXXX  company that was paying it off. I am disputing my two late payments reported on my credit. The finance company reject a payment XX/XX/2020 due to covid-19 and another payment was than submitted again on XX/XX/2020. I contacted them monthly and was advised to not make a payment as they received a payment but it was not processed to follow up in a few weeks. I made two calls per month to attempt and resolve this matter. I did not want any negative reporting to my credit I was proactive and am shocked they still reported negative when I have attempted to make payments. I would like have my supported documents reviewed I see that the fiance company would process payments and reverse them I am not sure why. With my two gap policy and insurance company XXXX didnt have any balance. I did not miss any payments prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Today, XX/XX/2020 I checked my Experian credit report to find an severely over due account in the amount of {$290.00} from XXXX XXXX XXXX which XXXX XXXX XXXX reported on XX/XX/2020. I called XXXX. XXXX  to dispute the amount and was told {$210.00} of the {$290.00} was for service charge and {$77.00} was due for a cable modem. This is not correct as I paid the {$210.00} in full and I still have in my possession not one, BUT TWO XXXX  cable modems which XXXX  did not pick up as promised before I moved from my prior residence. After speaking with XXXX XXXX today to dispute this erroneous overdue charge on my Experian credit report, I told the representative to document that XXXX  has charged me {$290.00} for TWO MODEMS which I am promptly returning within two days from now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ON XX/XX/2020 I have called Transunion, XXXX AND XXXX SEVERAL TIMES AND REQUESTED THAT ALL FRAUD ALERTS BE REMOVED AND ALSO TO UPDATE MY PERSONAL INFORMATION MY DATE OF BIRTH IS INCORRECT ON MY CREDIT PROFILE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called Transunion over two months ago to correct my personal information on my credit file and i still have not received an updated 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 explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this Consumer Financial Protection Bureau complaint against Capital One Bank concerning an unresolved disputed charge on my credit card bill in reference to the purchase and return of a defective XXXX XXXX  XXXX cellphone from XXXX XXXX XXXX  retail location in XXXX XXXX, CA. My repeated attempts to mutually resolve the matter with Capital One and XXXX XXXX have been unsuccessful. 

The Capital One case number is XXXX. Capital One is in possession of all paperwork necessary to resolve the complaint as submitted by the customer and XXXX XXXX with the exception, per their assertion, of a merchandise return receipt, which XXXX XXXX refuses to issue. 

I have demonstrated the follow facts of the case to Capital One. 

On XX/XX/2019 I purchased a damaged defective XXXX XXXX  XXXX cellphone from XXXX XXXX XXXX, which was presented to me in an unopened box as a fully functional undamaged device with warrantee. 

I returned the defective merchandise within the period and manner prescribed by XXXX XXXX 's published warrantee and purchase agreement. 

XXXX XXXX has acknowledged to Capital One that they received the returned merchandise in damaged condition. 

XXXX XXXX was left in possession of the returned defective merchandise by the customer, which XXXX XXXX also acknowledges. 

XXXX XXXX is refusing to issue a returned merchandise receipt citing superficial reasons possibly in violation of consumer law as to why they are refusing to issue the return merchandise receipt. 

The Capitol One representative has also acknowledged that given the facts presented XXXX XXXX should be compelled to issue the return defective merchandise receipt, yet Capital One refuses to move forward without receipt of the document. 

Capital One has stated the issue is open for review but they refuse to issue the account charge reversal nor will they escalate the complaint to MasterCard for further consideration in order to reach a satisfactory resolution of my dispute. 

Furthermore, although Capital One has acknowledged my written assertion of my Claims and Defenses rights pursuant to the Federal Truth in Lending Act, they continue to demand payment and charge interest on the disputed transaction amount. 

This should be a straightforward complaint to resolve yet Capitol One remains complicit and tied to XXXX XXXX exploitation of ambiguities in XXXX XXXX chargeback resolution procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
OnXX/XX/2020 I made my payment of XXXX, statement XXXX and asked the XXXX yo close my ac. My pymt conf email however came to me on the XXXX but said in the body that my internet connection was on XX/XX/2020. I called about it. It affected my credit because I closed the ac. The bank however sent two more statements saying I owed and kept reporting on my credit affecting my credit of course. 
They then changed the closed ac to an ac with a cr limit and a lower amt they wanted me to pay. 
I paid the amt today to get them to go away. Will they now close the account AGAIN TO report a 2nd time to the credit bureaus? Can an account be closed twice because the bank is evil? I did not owe the amount I paid today of $ {$14.00}. But they kept generating amts and putting fictional cr limits to my name. I do not have a card since XX/XX/2020 Why is this bank doing this? Can they reopen a closed account and put a cr limit on it without my permission?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: IL

Complaint narrative:
Lexis Nexis was hired bt XXXX XXXX to conduct a background check on our company, named below in XXXX. We completed the forms, submitted a lease agreement for a virtual office that makes rooms/offices available for a fee for private meetings that are held with doors closed for privacy. This setup is used by many professionals in the 21st century. Gone are the filing cabinets with rims of files. Cloud-based storage is the norm. 
As the letter/email shows, we were not given the approval nor given the reason why except to state that " a certain aspect of our business '' did not meet their unpublished requirements. 
Further, not knowing what the problem is, we can not correct it. There is an email given, we contacted the company through that and did not hear back. 
Tired of waiting, I called the company where I was told that they can not tell me why we were not approved, and the only thing to do is to re-apply and correct what " I think '' the problem is! 
The direct consequence of this denial : loss of revenue for our company because we can not market XXXX XXXX XXXX   products despite the fact the company itself has appointed me and my insurance Agents. 
We want to know what the reason for the denial is, and how to address it. 
THIS IS THE EMAIL WE RECEIVED ON XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX Thank you for your interest in LexisNexis. Based on our review of your application, we are unable to activate an account for your company. 
Our policy is to provide our business products and services in strict compliance with all applicable laws, rules and regulations, and only to organizations which can provide us with adequate information and assurances concerning their business and their intended use of our products and services. Unfortunately, there is an aspect of your business, and/or our understanding about your intended use of our services, that does not meet our requirements. 
We understand that you may have questions. However, due to internal security policies designed to protect the integrity of our credentialing procedures, we are unable to provide any additional details about the process. 
If you believe we have made an error, please send an email to : XXXX. 
Thank you, LexisNexis Credentialing Center

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ON XXXX/XXXX/2020 I have called XXXX, EXPERIAN AND XXXX  SEVERAL TIMES AND REQUESTED THAT ALL FRAUD ALERTS BE REMOVED AND ALSO TO UPDATE MY PERSONAL INFORMATION MY DATE OF BIRTH IS INCORRECT ON MY CREDIT PROFILE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/20, I noticed discrepancies in my checking account. I immediately contacted my bank and closed my bank card. I then made numerous attempts to the CashApp in which I was directed to contact XXXX XXXX. By attempting to contact XXXX XXXX   proved to be futile except for hearing announcement indicating that there seem to be scams going on with CashApp. 
When I contacted my bank, they wanted a history of the transaction from CashApp in which there was none that I could have located. I then decided to file a complaint with cfpb for resolution. 
This is the history of the activity in question regarding my checking account that is affiliated to my CashApp. 
On XX/XX/20, there was a {$500.00} deposit into my CashApp. id # XXXX. On XX/XX/20, {$10.00} was taken out of my checking account, id # XXXX. On XX/XX/20, I sent {$50.00} to my son 's teacher via CashAp : id # XXXX. On XX/XX/20, an amount of {$14.00} was taken out of my checking account, id # XXXX. On XX/XX/20, I noticed {$19.00} was taken out from my checking account id : # XXXX and on that same date, XX/XX/20, for the same amount, {$19.00}, same id # XXXX. Then, on XX/XX/20, {$14.00} was taken out, id # XXXX. On XX/XX/20, I received {$500.00} from CashAp id # XXXX. On XX/XX/20, {$19.00} was taken out from my checking account that is affiliated with my CashApp, id # XXXX. On that same date, XX/XX/20, another transaction for {$26.00} was again taken out from my checking account, id # XXXX. On XX/XX/20, {$19.00} was again taken out id # XXXX. On XX/XX/20, {$26.00} was again taken out form my checking account, id # XXXX. On XX/XX/20, {$46.00} was taken out again, id # XXXX. Then on the same date, XX/XX/20, {$49.00} was taken out of my checking account again, id # XXXX. Another transaction took place on the same date, XX/XX/20 for {$49.00} again, id # XXXX. On that same date, another transaction took place for the amount of {$49.00}, id # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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:
My personal information on my Transunion credit report is inaccurate. This is my second request to have incorrect addresses and names corrected on my report. This is a violation of my consumer protection rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
ALL 3 " CRA '' REPORTING OUTDATED FRAUD ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES ... '' CONVERGENT/ BELK 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 explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a call from Navient asking me if I wanted support in paying off my student loan balanced. I paid off my student loan balances in XXXX and had not heard anything since XXXX and now they want me to pay late fees on a student loan account I paid off in XXXX, 5 years ago. 
When prompted to review, they indicated they reversed payments but never told me in XXXX at the end of my last student loan payment though I clearly recall a phone conversation with a Navient aid to walk me through final payments on my loan. 
I do not have records as was in an old email account and can not locate the final letter but have not received bills or statements from Navient since XXXX and just now getting this call that I have a balance including late fees 5 years later. I have not received any mail even though I verified they had my correct mailing address on file. It is clearly documented on my account that it there are reversed charges in XXXX and not contact until XXXX. I am unclear on how to file a formal complaint and they will continue to file late charges. They said they reversed charges because I had paid it off but are now charging me for the reverse charges with late fees. The manager who authorized this is XXXX XXXX at Navient. Now my credit score is being impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
XXXX XXXX  XXXX  ( XXXX ) IS NOT CONSIDERING MY MORTGAGE AS A ( VA HOME LOAN ) ACCORDING TO ESCROW PAYMENTS STILL ADDED ON ME AND MY MORTGAGE PAYMENT. AND, I AM ALSO A TAX-EXEMPTION. PERSONAL EXEMPTION # XXXX. I AM XXXX XXXX XXXX XXXX XXXX VETERAN. I MENTION TO THEM. AS WELL I PROVIDED ALL AND EVERYTHING TO THEM DURING MY VA HOME LOAN PROCESSING IN XX/XX/XXXX. AND WE MOVE IN OUR HOME IN XX/XX/XXXX FINALLY. WE FEEL DEFRAUD BY THE ESCROW PAYMENT DEAL. BECAUSE, THEY ARE NOT CONSIDERING MY VA XXXX, AND EVEN SENIOR. XXXX YEARS OLD VETERAN CITIZEN. NO DISCOUNT AS WELL. THANK YOU FOR YOUR INTEGRITY SERVICES FOR US SENIORS AND U.S. CITIZENS OF THE AMERICA. GOD BLESS ( CFPB ) FOR YOUR HONESTY SERVICES FOR OUR COUNTRYAND THE PEOPLE. 

SEMPER -- FIDELIS .... 
XXXX XXXX XXXX. 
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 explanation