vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Why you are taking this unreasonable poisition re my account is a mystery to me. I have an excellent payment history prior to the pandemic. Why don't you take this into account? 
Again for the record you are not responding to the main issue. I was never told that closing my account was a permanent thing and that it could not be reopened once the account was brought current. 
As I noted in my last complaint, there is also no mention of this detail in all your fine print account information. You failed to address this glaring fact. 

I have had this same " closed account issue '' issue wsth other credit card companies and they have allowed the account to be reopened because I made a best good faith effort to bring my accounts current in a very challenging economic time. 

So your company decision not to return my best good faith efforts is heavy handed and a bad faith personal choice that does not respond to a best fatih effort to open my account. 

This needs to be highlighted to the credit community as a whole. 

Your second decison to not provide a new account because of economic criteria caused by the pandemic, which was your only option to reopen my account provided, shows equal usury and contemptious behavior on your part. 

So I am formally informing you that I am unable to make my monthly minimum payments and you will have to enroll me in a payment plan that allows me to make minimu payments of {$35.00}. 

If you choose not to enroll me in a payment plan and demand continued minimum monthly payments and follow up with any type of harassment charge off credit reporting or collection actions. The economic consequences will be dire! 

I am also doing the initial research for filing a small claims action againt FNBO in CA for unfair business practices, usury behavior and economic damages. 

This can all be avoided my simply doing the right thing. So I emplore you, Do The Right Thing!

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 2021-11-04 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX XXXX have both been Paid in full both still is reporting as delinquent after many letter about other incorrect items reported it kept updating as verified it couldn't be right

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: MA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: DISCOVER BANK
State: GA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB  complaint myself and to inform you that there is no third party involve in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
NORDSTROM/TD BANK ***** Opened XXXX XXXX, 2014 Balance {$690.00} // Late Opened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
On XX/XX/2021 I wire transferred {$170000.00} from my checking account to NationStar Mortgage LLC XXXX, TX to retire loan # XXXX held in lien on a property located at XXXX XXXX XXXX XXXX XXXX, NV XXXX. As of today no action has been taken on the part of the lender to pay off the mortgage or return my money. I've made numerous calls to associates of the lender and have received nothing but the run-around. No one seems to be able to answer my questions. I have not received a single email or phone call to get to the bottom of this situation and am finally reaching out to you for help. Besides many sleepless nights on my part, my son-in law has had negative reports registered on his credit reports that will affect his borrowing qualifications and interest rates for who knows how long. According to the company 's Resolution Team I should have received an answer within 7-10 business days. This time period expired days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: IL

Complaint narrative:
THE BUREAU IS FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e. '' THE ALLEGE DEBT IS CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
The company Experian keeps sending me e-mails that I am approved for various XXXX XXXX credit cards. The message is saying " congratulations '' your new credit cards are waiting for you '' when I take the advice of experian and apply my application is denied immediately. The last credit card I applied for is called XXXX and XXXX by XXXX XXXX. Please remove the inquiries and decisions from my credit report because the message is misleading and I feel discrimination is present.

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 2021-11-04 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: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I received a copy of my credit report and it showed that Navient had reported that I was delinquent 90 days on my student loan payment in XX/XX/2019. As I went through the payment records it showed me current in XXXX and XXXX. I contacted Navient and spoke with a representative in XXXX to inquire and advised me that it was incorrect and that I was not delinquent and was on a forbearance. She told me that I need to write a letter to the reporting team at Navient and also file a dispute with the credit bureau. I then contacted XXXX and filed a dispute only for them to come back and state that it has been updated and it still reflected late 90 days. I called Navient back again and spoke with another representative that then told me that they received my forbearance paperwork and that it was not entered until XXXX and that is why it reflected 90 days. I inquired why they held on to the paperwork and took that long to process it and then penalize me for their error. This is unfair practice as there are several times I have had to consistently follow-up with Navient to make sure that they receive and process paperwork as they will just allow it to sit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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 — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Charges on my Regions Card I did not make XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Regions XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Regions XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Regions XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the company recently gave me the credit. I have put a claim in for all other charges but they still are allowing access to my card and charges. I have tried to close the account. The recent charges since XXXX I never activated the card and they still have used it. I filed a police report and put and called the credit bureaus. Some how they are still getting into my account and its not getting taken care of. Regions keeps giving me to another department and not solving my problem.

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 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Redfin Corporation
State: WA

Complaint narrative:
Redfin Mortgage handled our mortgage loan origination, and we were misled throughout. We were baited with appealing interest rates that they did not deliver, kept on the hook while they 'investigated " credit worthiness for weeks, only to be told they would stick to the original, flawed credit information that we had diligently corrected and for which we provided evidence. Being that the sale was scheduled to close a couple of days later, we were forced to stick with them instead of using a different lender. Throughout the process they kept losing documents and failing to convey information to the next person in the closing workflow. Only countless hours trying to fix their errors and laziness kept the closing on track.

After all of this, Redfin Mortgage transferred the loan to XXXX XXXX  dba XXXX XXXX, and they could not be bothered to pass on relevant information like our homeowners insurance policy. This resulted in the servicer, XXXX XXXX, threatening to charge us for high-priced, low-quality insurance. 

I would NEVER, EVER deal with Redfin Mortgage again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I received a email from a company claiming they were Chase bank. It said my account had been withdrawn for a purchase I did not recognized. It then asked for my personal info, name, birthday, ssn, and card #. By the time I realized the email was a scam it was too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been dealing with Bank of America Credit Card that I have had since XXXX which started since XX/XX/XXXX. Keeps kicking out the theft of card -- -- -- -- -- -- -- -- - sent new card- and still continues in XX/XX/XXXX! I have to make appoints with a financial center since XX/XX/XXXX. Takes weeks/ months to get an appointment. Not that many left open in XXXX, FL. I went from the XXXX  of XXXX until the XXXX of XXXX until I could speak with a Manager. XXXX XXXX at XXXX XXXX XXXX XXXX, @ XXXX. ( that is No longer with company ). quit! This is a mess by them. Sent me a new card and said nothing! ( Bank of America ), I reported the Credit card lost! The only thing I have been paying on is cash I took out, not informed that intrest was involved. That was on XX/XX/XXXX, for $ XXXX then card was either left at bank or stolen? Spoke with XXXX and agent from credit on phone, and said to pay on the {$1500.00} thus far. I have ever since. It was XXXX on the FRAUD team and on the call. My balance is as of today -- -- -- -- -- -- -- -- - XXXX another payment due XX/XX/XXXX, I mean are you kidding the theft was : $ XXXX when card taken ... .... Please help.

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 2021-11-04 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: TX

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX XXXX  have both been Paid in full both still is reporting as delinquent after many letter about other incorrect items reported it kept updating as verified it couldn't be right

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 2021-11-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reach out several times for world finance to be removed for incorrect reporting XXXX XXXX was a charge off reporting late every month they have been paid please update account or delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: TX

Complaint narrative:
I have reach out several times for XXXX XXXX to be removed for incorrect reporting XXXX XXXX was a charge off reporting late every month they have been paid please update account or delete

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 2021-11-04 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX, XX/XX/2020 ) ( XXXX XXXX XXXX XXXX XX/XX/2020 ) ( XXXX XXXX/XXXX-XXXX, XX/XX/2020 ) ( XXXX  XXXX, XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-11-04 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: GA

Complaint narrative:
CapitalOne dispute Case Number : XXXX from : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX I have an order ( # XXXX ) for a XXXX XXXX XXXX XXXX  Chair from the XXXX, The delivery carrier is XXXX  and tracking number is:XXXX XX/XX/2021 I reported package arrived damaged to the merchandise at XXXX same day immediately ( pls refer evidence by email copy ) When we got this package and found damages.and I also requested FULLREFUND and RETURN LABLE. 

I sent out the photos of damaged items and shipping carton & lables to them by their request. 

XX/XX/2021 XXXX After many of call and email correspondence their customer support member XXXX offer me {$100.00} discount for the defects and damages, and I DECLINED their offer, because the order doesnt mach the new condition which I received. 



XX/XX/2021 XXXX Their team member XXXX tried to replace one part without my consent.I send email to decline their resolution. 

in the same day I dispute the charge to Capitalone. 

XX/XX/2021 XXXX They agree to issue a Full Refund.their supervisor XXXX XXXX contact me and sent me a email confirmation. 
But I need to help them to donate this package to donation center XX/XX/2021 XXXX I have completed the donation, and approved the receipt and photos. 
I HAVE NO LONGER POSSESSED THIS ORDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
This company sent a American Express membership offer to my home address and I did not apply or seek out any information regarding American Express credit cards. The company sent a welcome offer to my home address for my XXXX called XXXX XXXX XXXX XXXX. They've mailed the request at least three to four times to get my attention with a terms and conditions attachment asking me to apply online with a RSVP CODE. After entering the approval code for credit by the due date the company sends a denial of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: HI

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation