vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On XX/XX/year>, I noticed an email from XXXX saying I purchased something with my credit card at a Florida location ( I live in VA ). I immediately contacted Barclaycard to notify them of the fraud and cancel my card. They provisionally credited my account for the disputed transaction. Last week, I received a letter that Barclay had concluded their investigation and determined that the transaction was not, in fact, fraudulent and therefore were charging my account, again. I've contacted Barclay to express my dissatisfaction with this development, but they have not withdrawn the charge. I was not told precisely what Barclay learned to reach the conclusion that my fraud report was inaccurate, but they did mention that XXXX 's ( a national retailer whom I occasionally purchase from, although not this location/state ) had my name, billing address and email on file. The implication was that because I had used XXXX 's in the past, then this transaction wasn't fraudulent. I was told they were opening a new investigation. 

I'm extremely disappointed in the manner in which Barclay has handled this relatively routine problem. I have used credit cards for XXXX years, and over that time had a relatively small ( certainly under XXXX ) number of fraud issues. It is an enormous pain to cancel a credit card and change the number on file with a variety of companies. The notion that I would go through that hassle just avoid a {$300.00} charge at a XXXX 's is laughable. Over the years I've put over {$100000.00} of transactions on this card. Barclay 's " process '' for resolving this dispute seems designed to placate the customer in the beginning, then send them a letter a month later ( that they hope nobody ever opens ) saying " we changed our minds, we think you are lying to us, '' and keep the money. I'm very disappointed in Barclay and in the customer service I've received to date from them on this 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 monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Inaccurate credit reporting due to fraudulent use of my social security number and birthday and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

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 2024-05-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Vendor Resource Management, Inc.
State: CA

Complaint narrative:
On XXXX, my spouse and I applied for XXXX Mortgage Financing for VRM property at XXXX XXXX XXXX XXXX Ca. We also submitted documents such as paystubs, bank statements, 2 Year Federal Tax returns, 1099 via VRM lending account portal. We were charged a {$92.00} application fee ( XXXX ). On XXXX we left several unanswered voice messages for XXXX XXXX. On XXXX, I contacted VRM Lending, LLC main office via telephone and submitted a complaint regarding XXXXXXXX XXXX XXXX  lack of response to my email requesting update on the status of my application. About an hour later, I was contacted by XXXX XXXXwho identified herself as the manager of VRM lending LLC XXXX She advised me that she would look into this matter and get back to me. XXXX XXXX and XXXX XXXX contacted me via conference call noting that I could only purchase as XXXX XXXXXXXX XXXX indicated this would change the terms and require 5 % down of contact price. She indicated it was due to property conditions that she could not disclose to me. I informed her that we were not made aware of this prior to applying nor does the listing state Investor only. She advised me to follow up with my realtor. Upon, further research and discussion with my realtor, there is no evidence to support her claims. I emailed XXXX and XXXX for evidence of why the terms changed and the outcome of my application-as we may be interested in other properties. As of this date, I have not received any response to my request. I truly appreciate the CFPB support in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had extremely awful experiences with AMEX the team members like XXXX, one of the floor supervisors and XXXX, who attacked me as I tried to explain the situation. I was requesting a partial refund for my platinum card as I only used it 2 months out of the year. The platinum card that I am requesting for a full refund or partial is the card ending XXXX. I am being charged for a full service of membership even though I only received 2 months worth. I tried reinstating but nothing worked. I am requesting a refund. Thank you. I am requesting the company to reinstate my account or partial refund which they did not provide and closed my previous report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.

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 2024-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
I had paid off my final loan ( XXXX unsubsidized ) on the old Mohela platform. 

My bank account ( XXXX XXXX  ) had processed the payment of {$4000.00} on XX/XX/year> Mohela then transferred my account to the new Mohela platform shortly after, however there is XXXX payment history for my account and they have no record of me paying off my final loan. The loan is still accruing interest on the Mohela Page. 

I had called a Mohela representative who could not exactly give me a time of when my account would be updated, however, they said a few weeks. It has been two months and my account has still not been updated, and now claims I owe {$4000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
This was purchased as a gift to me and when I went to use it, the value was only {$17.00}. Not {$100.00}. 

When you call the company to dispute the problem, they told you that you have to upload your government ID to their website and share personal / confidential information. This company is taking more money than the cards are worth and then taking advantage of consumers to share private information with them on the back end. Complete SCAM!!!!

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/XXXX I BEEN FIGHTING THIS SINCE THE BEGINNGING OF THIS YEAR WHEN I NOTICED THIS. CAN YOU REMOVE THIS ILLEGAL ACCOUNT OFF MY EQUIFAX REPORT. IT IS HURTING MY SCORE PLEASE REMOVE THIS ACCOUNT. THE ONLY THING I HAVE BEEN ADDING TO MY REPORT IS POSITIVE INFORMATION CAN YOU PLEASE REMOVE THIS OFF MY REPORT XXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX PLEASE REMOVE THESE ILLEGAL ITEMS OFF MY EQUIFAX CREDIT REPORT AND CAN YOU PLEASE FREEZE MY REPORT! PLEASE REMOVE THESE PLEASE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$820.00} Needs Attention XXXX XXXX XXXX, Reported : XXXX. XXXX, XXXX - {$1000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$1000.00} Needs Attention XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$820.00} Needs Attention XXXX XXXX XXXX, Reported : XXXX. XXXX, XXXX - {$1000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$1000.00} Needs Attention XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
I am XXXX plus years old and not familiar with technology, retired at XXXX and living on a fixed income. When XXXX sales representatives came to my home in XXXX of XXXX  and offered to reduce my utility bills by installing Solar panels, I thought it was a good opportunity. I agreed and signed XXXX time online after serving them dinner with their families and believing everything they said. 
XXXX XXXX was the company that did the financing of the Solar Panels and they promised my total payment for the length of the loan would be under {$200.00}. My electric and gas bill at that point totaled over {$350.00}. They said they would replace my hot water heater and furnace and include that in the monthly payment. I did not see the contract until AFTER I signed ( XXXX XXXX  ). 
When I finally got to view the contract ( after trusting the contractors ) it made no mention of my Gas bill, i.e., heater replacement or furnace. When I questioned them, they said they went off contract, but they would get that done on their own. I have text messages from them supporting this, but have been unable to reach them for five months. The Finance Company XXXX XXXX did not send me a loan contract until after the Solar panels were installed, but it was totally different to what I agreed to pay. 
My payments would increase by {$100.00} after 15 months. My payments have doubled because I'm still paying XXXX XXXX, XXXX XXXX and XXXX XXXX. I saw XXXX complaints about other people having the same issues. I am struggling to pay XXXX XXXX additional {$200.00} in addition to my electric and Gas bill. Also there's now alien on my home for {$82000.00} which is twice the amount of my mortgage. 
I would never have agreed to this transaction had I seen this prior to Solar panel installation and all the lies I was told by the contractors. I have spoken and emailed XXXX ( that's the only contact I could get ) There's so much to tell, including the signatures on the contract were NOT mine but this is the main complaint that I have made to XXXX. I have waited for months for a reply. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/XXXX These XXXX ILLEGAL ACCOUNTS STILL HAVE NOT BEEN REMOVED OFF MY REPORT. I BEEN FIGHTING THIS SINCE THE BEGINNGING OF THIS YEAR WHEN I NOTICED THIS. CAN YOU REMOVE THESE ILLEGAL ITEMS OFF MY EXPERIAN ACCOUNT. THESE ARE FRAUDULENT ACCOUNTS ARE THEY ARE ATTEMPTING TO OBTAIN MORE FRAUDULENT ACCOUNTS IN MY NAME!!!!! I HAVE PLACED A SECURITY FREEZE ON MY EXPERIAN REPORT BUT THIS IS THE SAME THING THAT HAPPENED TO ME WITH THESE LAST XXXX ACCOUNTS YEARS AGO! THEY WERE OPENED AND OBTAINED ILLEGALLY IN MY NAME. THE ONYL THING I HAVE BEEN ADDING TO MY CREDPIT REPORT IS NOTHING BUT POSITIVE INFORMATION. CAN YOU GUYS PLEASE HELP ME AND REMOVE THESE ITEMS! 

XXXXXXXX XXXX XXXX  XXXX {$150.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX {$57.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX XXXX Inquiry date XX/XX/XXXX Status XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Status XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXXE XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status XXXX XXXXLEASE REMOVE THESE ABOVE ILLEGAL CHARGE OFF ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SCORE PLEASE REMOVE THESE ACCOUNTS OFF MY 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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, TransUnion began reporting a collections account through XXXX XXXX that is attached to a XXXX credit card account that was opened fraudulently by an ex roomate. The amount in question is {$340.00} and is being reported as a closed account in collections. It was originally reported as an open collections account and then changed. This is the second time this account has shown up on my credit report as I had succesfully disputed it in XXXX as it is a fraudulent account and TransUnion removed it. It makes no sense that something which was fraudulent in XXXX, XXXX and XXXX then became legitimate in XXXX. The original XXXX account is nowhere on my credit report and XXXX and XXXX also removed it and the fraudulent collections account. In my original dispute with TransUnion I explained the situation and informed them that I have no knowledge of this account, as it is not mine and asked for hard copy validation or any proof that this debt belonged to me. Every dispute was denied and a note was placed on it that it " meets FCRA requirements '' which is untrue as I have an active FTC ID theft report on the account, XXXX has acknowledged it isn't mine and TransUnion has continued to report incorrect and unverifiable information, which violates the XXXX of the FCRA. I have disputed with TransUnion more then 5 times and they have now blocked my ability to dispute that account. 

I have an FTC Identity theft action open against this fraudulent account along with two inquiries which were part of the fraudulent use of my personal information and TransUnion doesn't even view the dispute, only responding that the account meets FCRA guidelines when the original creditor acknowledges it is not my account, the FTC acknowledges I was a victim of ID theft and TransUnion is working overtime to ensure the damage from the identity theft, a very traumatizing experience, continues to be perpetuated on consumers. As consumers, we already know protections only exist for corporations but I wish TransUnion wouldn't blindly trample on consumers and perpetuate a harm.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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