vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
On XX/XX/19 I purchased a {$50.00} dollar Google Play Gift card at XXXX XXXX XXXX for a friend. When redeeming we were told that the codes being entered were unrecognized. The card was unusable and needed to be taken back to retailer. At XXXX, the store manager called Google and they determined that an XXXX on the card was really a XXXX, a variation we had not attempted. However, Google said, the card had already been redeemed. Since the purchasers of the card ( me/friend ) didn't get to redeem it, who did? we asked. They could not give us that info but agreed that neither of our email/accounts had been used for the card. I don't know if there were two cards with same code or if there is evidence of deeper fraud with these cards but I was rather unhappy with Google Customer Services attempt at solving problem. They basically referred me to FTC and their website to the CFPB. I would upload receipts, cards etc. but this website has crashed my computer twice when I attempted to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: GA

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Please see my attachment of the letter sent to Capital One three months ago and I still have not received any sort of response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I sold my home and paid off my mortgage on XXXX XX/XX/XXXX. Prior to this I thought that my home would not sell and had requested a new homeowners insurance quote. An invoice was sent to Freedom Mortgage. Shortly after the quote, but before the insurance went into effect, I received an offer for my home and called to cancel the insurance. I also notified Freedom Mortgage to not pay the invoice. I was told this was annotated on the account, but the invoice was paid. 

I notified Freedom Mortgage around the date of the sale of the situation. They did not put a stop payment on the check and just told me that the funds would be returned to me. I had another call but do not remember the day. On XXXX XXXX I called when I saw the funds applied to my escrow account. I was told a check should be processed by XXXX XXXX On XXXX XXXX I saw the funds were still in my escrow account so I called again. I was then told that they need 10 working days and I would receive the check. I saw the following Monday ( XXXX XXXX ) that the funds were still in my escrow account, so assumed I would not receive the check within the original 10 days as promised. I called back and was told that a ticket had been opened and that I would receive funds the following Wed, XXXX XXXX. I was also told if I didn't see the funds to call back. I did not see the funds called again, and was now told the account was reconciled, but it's next Wednesday, XXXX XXXX, when I should see the funds. I have been promised these funds, which are a refund to me ( my funds ), on multiple dates.

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 2019-10-30 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: CA

Complaint narrative:
I have an account on my credit, XXXX XXXX, that is the result of identity theft. I have requested the credit bureaus block the item from my credit report, but they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in S

ection 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

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 2019-10-30 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:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

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 2019-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: MN

Complaint narrative:
A collection company has filed a negative report on my account. No debt is owed that I am aware. Attempts to contact the company were to no avail. I talked to XXXX XXXX with Wakefield & Associates and he could not find the debt I owed. He also refused to let me speak with a supervisor. He branch was located in Colorado. I also spoke with some one at the same company in XXXX TN and they were unable to find the debt that I owed either and would not attempt to help me clear the negative report off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Carvana Group, LLC
State: MA

Complaint narrative:
Carvana knowingly sold me a car with the following problems : - Oil cap loose and leaking oil ; - Oil filter loose ; - Damaged brake pads ; - No windshield washer fluid reservoir cap ; - Two bald, dangerous, unfit for the road back tires ; and - Four inoperable TPMS sensors. 

The check TPMS system light remains on. 

I have been to the repair sho p three times.

Carvana refuses to reimburse me for all of the costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Applied Data Finance, LLC
State: CA

Complaint narrative:
Personify ( Applied Data Finance ) knows that I am represented by an attorney yet the continue to contact me to solicit me not once, but twice in XXXX. This is a violation under the California Fair Debt Collections Practices Act 1692 c ( c ) After written notification that consumer refuses to pay debt, or that consumer wants collector to cease communication 1692 c ( a ) ( 2 ) After it knows the consumer to be represented by an attorney unless attorney consents or is unresponsive. 
No lawsuits are filed as if this time. I want this harassment to stop, but it keeps on going instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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:
Filed a dispute with the three credit reporting agencies, Transunion, XXXX, and XXXX. I disputed information contained in my report. The information is from XXXX a collection company phone is XXXX. This collection account is on two reports. transunion and XXXX.. Its not on XXXX. I called the creditor and they said I had to call the credit agency to get them to remove the item from my report. The dispute results came back without it being removed. It is being reported as if its a current collection account and it is not. Last date reported was XX/XX/19 on Experian and XX/XX/19 on Transunion. This is damaging my score and hindering me from getting the credit I am seeking to obtain. Also there is a " DISMISSED '' Chapter XXXX case number XXXX on all three reports and it has been 6 years. I am not understaning why a " DISMISSED '' bankruptcy is still on my reports. I did refile the chapter XXXX and it has a different case number. That one is " DISCHARGED '' so I understand why it is there. But not the " DISMISSED '' one.  Why is the law allowing this if at all. I have disputed this called the agencies to no avail to get these items removed from my credit report. I need your assistance please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Filed a dispute with the three credit reporting agencies, XXXX, Equifax, and XXXX. I disputed information contained in my report. The information is from XXXX a collection company phone is XXXX. This collection account is on two reports. XXXX  and XXXX.. Its not on Equifax. I called the creditor and they said I had to call the credit agency to get them to remove the item from my report. The dispute results came back without it being removed. It is being reported as if its a current collection account and it is not. Last date reported was XX/XX/19 on Experian and XX/XX/19 on XXXX. This is damaging my score and hindering me from getting the credit I am seeking to obtain. Also there is a " DISMISSED '' Chapter XXXX case number XXXX on all three reports and it has been 6 years. I am not understaning why a " DISMISSED '' bankruptcy is still on my reports. I did refile the chapter XXXX and it has a different case number. That one is " DISCHARGED '' so I understand why it is there. But not the " DISMISSED '' one.  Why is the law allowing this if at all. I have disputed this called the agencies to no avail to get these items removed from my credit report. I need your assistance please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
After conducting my annual credit report review, I have notice several items on my credit report that does not belong to me. I have filed a police report, submitted a letter of concern, proof of identity, and address to the companies in question. It has been over 45 days and I believe, that should had been enough time to investigate that these accounts was fraudulently established without my permission. These accounts was established without verifying identification. Which that alert was already established on my credit report before these accounts was open, requesting verification. I guess that system is flawed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
I checked my XXXX credit report on XX/XX/2019 and I noticed that a collection in the amount of {$310.00} was reported as a bad debt from the creditor Credence Resource Management. I do not owe this debt, and I have no knowledge of this debt at all. I was not properly notified by Credence Resource Management about this debt at all before they reported this to the credit bureaus. By law, creditors are required to contact a debtor in writing to give them knowledge of the alleged debt. I did not receive such notice to be able to to dispute this alleged debt. This is an illegal collection. This has ruined my reputation and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION
State: AZ

Complaint narrative:
Mortgage company fraudulently debited bank account for mortgage payment in XX/XX/XXXX resulting in overpayment of account and overdraft of bank account, discussion held with bank representative in XX/XX/XXXX reflecting the overpayment and credit being issued for payment due in XX/XX/XXXX, payment for account had already been sent and should have credited for XX/XX/XXXX which brought account current, notice sent sometime later in XX/XX/XXXX stating that payment had not been received and that account was behind. Tried to contact bank rep that assisted in bringing account current but was advised that no such bank rep could be found. Continuous contact with bank reps have not remedied the situation and late charges and other fees have been added to the account fraudulently since XX/XX/XXXX, have exhausted recourse through bank reps that have all this information in the record but have refused to review it. Contacted XXXX XXXX to help with this matter in XX/XX/XXXX but have had no remedy from the mortgage company now in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Tried to update by calling directly. Always answered by a person who's voice is not compatible with telephones, as such I could not understand the questions - thus the problem though they did try to help. 
Address and other personal data needs to be updated. 
Info listed in fair resolution window.

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 2019-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX I find I have fraud account with a Company name Deville Asset Management XXXX XXXX XXXX, XXXX, TX, XXXX. I find this account because my credit score was down in my XXXX XXXX, I send a police report with attach letter explain I am a victim of identity theft, this Company still not doing any investigation to fix this Fraud which is affecting my life, my Finances and my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: CA

Complaint narrative:
I have an account on my credit, XXXX XXXX, that is the result of identity theft. I have requested the credit bureaus block the item from my credit report, but they have not done so.

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 2019-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I opened a Belk Dept. Store account in XX/XX/XXXX. I used the account one time in XX/XX/XXXX ( {$66.00} ) and paid the bill when received. I used the account again in XX/XX/XXXX( {$85.00} ) and never received a bill ( s ). My husband and I have a joint checking account and he pays all bills in our home. Neither he, nor I, thought about NOT receiving a bill from Belk. 

Fast forward to XX/XX/XXXX. I applied for XXXX 's credit card, and was denied. I have never been denied credit before and was a bit surprised, but just assumed that I when I was pushing the buttons on the screen, I made a mistake in the numbers I pushed for my income. Then on XX/XX/XXXX, I received a letter from XXXX XXXX XX/XX/XXXX explaining the decision for not issuing a credit card was based on a charge-off in the last 12 months that was noted on my credit report by XX/XX/XXXX. 

I had no understanding of what a charge-off meant and I had never requested a copy of my credit report and decided now was the time to look into the matter. 

I was so surprised to see the Belk charge ( s ) of over a year ago. A charge of {$85.00} went to {$340.00} with late fees.

I called the number on the Belk web page and was put through to Synchrony Bank. After many trials, I eventually learned that the bills had been sent to a former address and due to my nonpayment, my account was sold and I should contact the new owner of my account. 

I went to the nearest Belk store and talked with an assistant manager and she tried helping, but once again I was routed to Synchrony Bank and was given the same message.

I always pay bills when received, as my credit report shows. My concern is that a bill from Synchrony Bank never arrived at my house and I was never notified by Synchrony Bank that my credit score was going to be compromised.

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 2019-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
on XX/XX/2019 i was called by some of my friends regarding a phone call they received from a debt collector named XXXX XXXX from Thunderbird collections. They told me this person reached out to them asking them to have me call him regarding a personnel business matter and he asked them if i am working and if so whats the name of my company. now my wife and i have spoken to him on a few occasions and we asked him for the proper documentation regarding his licence to be a debt collector in Arizona which he dose not have as its based out of California as well as other documents regarding the debt which we did receive. since our calls with him we have sent payments to the company on a payment plan however i do not know why XXXX XXXX is still pushing the way he is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation