vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 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: OH

Complaint narrative:
On Monday XX/XX/XXXX, I made a hotel reservation for XX/XX/XXXX - XXXX, XXXX using my Capital One credit card. The cancellation policy merely stated that there was free cancellation prior to XX/XX/XXXX. Due to the Coronavirus pandemic, I cancelled the reservation, and received acknowledgement of the cancellation on Monday XX/XX/XXXX at XXXX XXXX. I did not hear anything further or see my account credited, so I emailed the company on Wednesday XX/XX/XXXX at XXXX XXXX asking " can you please let me know when I can expect to see my account credited ''. On Wednesday XXXX, XXXX at XXXX XXXX, I received an email back that said, in summary, that my cancellation was free of charge and verified, and that due to high cancellation rates and bank limits on the daily refunds, that the processing of my refund would be delayed. This was alarming as it indicated that they were out of money and I might not receive a refund, so I opened a dispute for the charge of {$470.00} with Capital One. After filing the dispute, the company emailed me on Wednesday XX/XX/XXXX at XXXX XXXX saying that they would give me a credit good until XX/XX/XXXX and a promotional code. I replied that a credit wouldn't work for me and let them know that I had disputed the charge. The company responded to the Capital One dispute with only the communications dated the XX/XX/XXXX and charged back my account on XX/XX/XXXX. I followed up per the notification by Capital One and uploaded the detailed email exchanges between myself and the company detailing the original purchase, the cancellation policy listed in the purchase which was the only information provided to me at the time of booking, my request for account credit, their response that it was delayed, and then their final response offering me store credit essentially. These documents were uploaded with the Capital One provided link, had the case number notated on the first page of each document along with a description. There were no options to include comments or explanations, only the document upload. I called Capital One at approximately XXXX XXXX on XX/XX/XXXX to follow up on my case and uploaded documents, and specifically asked if there was anything missing or needed, and was simply told no, that they were processing. At approximately XXXX XXXX on XX/XX/XXXX I received a letter in the mail telling me that the documents lacked all of the previously requested information needed, they closed my dispute, and that I have to work with the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
The usaXXXX CREDIT SITE HAS COLLECTIONS THAT ARE NOT MINE, refused to submit complaint.I asked all three credit bureas. 
I ASKED XXXX TO REMOVE IT, THEY HAVE TECH ISSUES ALL THE TIME.DEBT IN OTHER STATES LIKE  GEOGIA HAS NEVER BEEN MINE.collections, bankruptcys, and morgages.stop putting other DOB on my credit.stop.using other social securities, even one didget off. 
DISPUTE XXXX AND ANY OTHER DEBT WITH CONTRACT CALLERS INC. THE CLAIM TO BE AN ATTORNEY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. THIS OTHER PERSON USES INFORMATION THAT CAUSES THESE THINGS TO BE PUT ON.MY CREDIT, BUT XXXX ALLOWED THESE PEOPLE TO USE MY CREDIT, ALSO THEY ARE TAKING using my social with and different spelling. i dont spell my name XXXX XXXX, i am not XXXX, XXXX or XXXX. I dont live in GA, virgina, alabama, TENN, NEVADA, OHIO also i NEVER owed any lawyers for any debt or bills or bankruptcies. i have none. 
On XXXX, i received a court judicial findings of factual innocence as a victim of criminal identity theft. I am the victim, however the criminal suspect AKA is XXXX XXXX XXXX XXXX, this middle name was the evidence, but they might be using my current name, because the court in XXXX, calif put my info into her case i filed against her and her husband, for using infor not hers, to make others think i was the teacher, but its been her since XXXX, XXXX, ect..arrested for other traffic crimes. they give officers other persons info to evade the law. This court is grossely neglient for not solving this crime knowing now its her and her husband XXXX XXXX, XXXX   XXXX. This is not my husband, i have not been married since XXXXThey became aware this year of the court crimes by these two.. The judge stated i was the victim, but intered my name XXXX XXXX XXXX XXXX , and my DOB so now shes aware. The DA covered up this, so they wont get in trouble for HARASSINGME THE VICTIM, BEFORE I STOOD UP WITH A LAWSUIT AGAIST THE COURT FOR NEGLIENT BEHAVIOR. She is at large, still not arrested for using my information. I am trying to sue, but they never show up. I AM CHANGING MINE AGAIN, AND HOPE MY CREDIT REPORTS WILL REPORT CORRECTLY SOON.BECAUSE OF MY WAGE LOSS.I SHOULD BE MAKING A LOT MORE.BUT THE CREDIT agencies are reporting wrong. These banks are confused, i can not even open an account because the assume its me. WE DONT HAVE THE SAME DATE OF BIRTH SUSPECTS DOBXXXXXXXX.These others have been used at this XXXX, CA court XXXX XXXX XXXX, XXXX.NOT MINE ONLY THE XXXX WAS SIMILAR, BUT NOT THE SAME.STOP THESE TWO. HOPE THE BIRTHDATES HELP YOU. BECAUSE THEY STEAL OTHER DOCS. 
THANKS, MS.XXXX XXXX. WILL BE CHANGING INFO BECAUSE I AM A VICTIM OF INCORRECT ONLINE INFO. As a XXXX, i do not deserve identity theft.

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 2020-05-11 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:
the date of last service are reporting inaccurate on the accounts, this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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:
the date of last service are reporting inaccurate on the accounts, this is a violation.

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 2020-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have 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 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 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have 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 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 2020-05-11 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: Aargon Agency, Inc.
State: NJ

Complaint narrative:
XXXX-current {$2200.00} I have requested verifiable proof from this company showing that I am liable to them for the debt they continuously post on my credit report as delinquent. I have disputed this account through each of the credit bureaus. It has been removed from my XXXX  report but remains on the other two reports. I also sent a letter to ( XXXX XXXX XXXX, XXXX XXXX, NV XXXX ) the company XX/XX/2020 again attempting to have them solidify the debt as being mine and that I specifically owed them. They have two different addresses listed to reach them. One of the letters I sent  was returned even though I sent it to the address they are reporting on my credit report under. I sent another letter on XX/XX/2020 requesting the same information to another address ( XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX ) and it was received by the company. I have yet to receive a response from this company and the debt remains on my credit profile. I have attached a copy of the letters I sent to dispute this debt with them.

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 2020-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
ON XX/XX/2020, I, when online to inquire about the interest rate, to see if it was a good idea to refinance when Mr. XXXX XXXX, chated with me only and asked for some basic information and told me what rate was and I told him to run some number for me before I knew and without he pulls my credit and my husband credit without our permission, and he started an application for refinancing without our consent When I asked he he said that he thought he could do that I asked him when fid I told him I was going to refinance, he apologies but that does resolve the issued that they started a loan without our permission. I just received a discloser for a loan, I do not understand what this people are doing but I no interested for a mortgage. 
the lender is QUICKEN LOANS NEW LOAN NUMBER ( NO REQUESTED XXXX XXXX. AND NOW THERE IS A HIT ON OUR CREDIT AND WE HAVE RECEIVED MULTIPLE SOLISITAION FROM OTHER LENDERS AND WE DID NOT AUTHORIZE THEM TO MOVE FORWARD WITH THE LOAN THE LEDER LICENSES NO. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: SC

Complaint narrative:
Sir, This is a on going problem with home point financial they continue to state I havent paid them and ruin my credit. I have screen shots of Home point yet again getting my check and cashing it then stating they never got a check or holding my check past the due date. 
In the attached example they sent me a bill and state I have never paid when I have the on time cashed check from my online bank account. They do this with many people. Please help fix my credit ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
I moved from XXXX to XXXX in XX/XX/2017 I call XXXX and inform about the move on XX/XX/2017 and ask to close my account. The operator ( XXXX ) told me that it will be automatically closed at end of the billing cycle which is in XX/XX/XXXX. The account did not close because there was a XXXX ( hot spot ) that I ordered in XX/XX/XXXX was not return to the system. XXXX did not contact me regarding the system not returned or the account not close. They contact my son which he was not the main holder. i was not aware of the situation until XX/XX/2017. I told them I return the XXXX already and after checking through her system they found the hot spot was in the warehouse but no one enter it to my account. This problem is causes by XXXX careless warehouse worker that did not input my return XXXX back to the system. Therefore I dont believe that I owed this amount to XXXX. 
i have attached my credit card statements to show that the account was auto paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: OR

Complaint narrative:
I had paid off my XXXX credit card. It was at a balance of {$360.00}. I'm trying to get my credit score up to get a car as soon as possible so I asked if they could update my information to " paid off '' I did that through Experian and they said my information is inaccurate and it stays the as it is. So I sent in documentation that showed that I did and they still refused to change and of course they sided with XXXX. Always quick to put negative things on your report but when it comes to positive things it's seems to be very difficult. So with that being said I didn't expect an update so quick but when I ask multiple times and they refused and said that what I'm saying is inaccurate is another thing. So XXXX is telling me I'm a liar and Experian doesn't even take the time to investigate just goes off by what they say. I don't think what I was asking for was out of line

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 2020-05-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609

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 2020-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PINNACLE RECOVERY, INC.
State: NJ

Complaint narrative:
No information provide by collector, they just took 50 point on my credit Report, and now saying that I own US {$1900.00} Never was contacted by phone or writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$35000.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
This complaint is in reference to my credit card statement. The Credit Card Accountability Responsibility and Disclosure Act of 2009, section 201, requires credit card issuers to state in a " Minimum Payment Warning '' how long it will take you to pay your debt and the amount of interest that will incur if making the minimum payment. In my statement, I was warned that it would take 12 years @ {$15.00} per month. This is not correct and the balance of {$1500.00} would actually never be repaid with that minimum payment. The interest alone would accrue at a little more than {$0.00} per day. This is not a problem for me as I've been paying the entire balance each month for some time. However, for those that can't pay their balances in full, this information was meant to inform them of the consequences of making minimum payments. The correct answer in their warning shouldn't have been " 12 years '' but " Never ''. To be fair, their calculation of the amount to pay the balance in 3 years was accurate. In times as we are now, it is not a bad thing to be able to make a small minimum payment if necessary but people need to have an accurate understanding of the consequences as well. This is not a grievous violation but failure to give accurate information violates the spirit of the law for certain. 

I did contact Capital One customer service at one point in late in XXXX or early XXXX to discuss my findings and I was passed from a customer service agent to a supervisor. The supervisor didn't seem to grasp the problem or even see it as a problem. She didn't help me. 

I then filed a complaint with the Attorney Generals Office of Washington State. They determined this could be handled through their informal complaint resolution services offered by their Consumer Resource Center. They contacted Capital One and gave Capital One 21 days to respond to the complaint. Capital One has not responded to them and Washington State will not pursue it further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
During the business trip tn XXXX, on XX/XX/2020 around XXXX my rental car was burglarized. My cell phone, computer and wallet were stolen. I filed police report locally. Also I called my Bank of America to report stolen cards, but it was too late. Someone used them. Thefts used, stored log in information from my computer or cellphone to gain access to my bank profile. Money were moved from one account to another, lately cards were used in Jewelry shop. 
I filed few claims for unauthorized cards usage : 1 ) claim # XXXX - {$900.00} ( account:XXXX ) 2 ) claim # XXXX {$7900.00} ( account:XXXX ) 3 )  claim # XXXX {$7900.00} ( account:XXXX ) Police report was submitted, investigation took more than a month leaving me without all my savings. At the end all claims were denied without explanations. I stopped paying my mortgage because I don't have any money

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 2020-05-11 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: CA

Complaint narrative:
I was disputing an account with XXXX XXXX being reported on my transunion report. I have already disputed with XXXX and XXXX and they have remove the account. Transunion is not complying to provide investigation results to show that the account has been validated. If they are unable to provide their investigation results then I am asking that they remove this account. 

I have included a screen shot of my current report showing XXXX XXXX account removed.

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 2020-05-11 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$35000.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-05-11 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$35000.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-05-11 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company response to consumer: Closed with explanation