vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Big Illegal or unknown or illegal charges ( above {$50.00} up to {$500.00} ) were made on my Walmart Credit card, XXXX and other credit cards ... ... .mostly by by foreign entities. 


Walmart Credit card and XXXX are not removing these charges even after multiple requests ... ... .and are piling heavy LATE FEES & INTEREST FEES etc ... ... .inflating the amount to be paid by several 1000 dollars. Then Walmart Credit card and XXXX are passing on these INFLATED ACCOUNTS to COLLECTION AGENCIES like XXXX XXXX XXXX XXXX ... ... .who are forcing us to pay these inflated amounts ... ... .and taking good customers or consumers like me to court. 

CPFB please order Walmart Credit card and XXXX to tell their COLLECTION AGENCY ... ... XXXX XXXX XXXX XXXX XXXX... to STOP harassing me ( by asking me to pay these INFLATED ILLEGAL amounts ... ... ..amounts INFLATED with ILLEGAL, UNKWON CHARGES, LATE FEES, INTERES FEES ETC. ETC. ) ... .and close my Walmart Credit card and XXXX XXXX ... ... FOREVER ... ... like XXXX, XXXX XXXX  etc. did for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Since XX/XX/XXXX. Capital One has funds in a checking account and the account was frozen due to an investigation. The investigation has closed in XXXX and funds are still in the account and the loan company had not received a email on how to retrieve their money. Now the account is back open and direct deposit that I was getting as paper checks because the account was closed are being deposited into this account. What President do I need to speak to to get this resolved. This case had been ongoing for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: OH

Complaint narrative:
I recently checked my credit report and saw that there was a fraudulent medical bill on my account. I have contacted that company and i contacted Experian, XXXX & XXXX. This account does not belong to me.

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 2021-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citi Bank ( representing Home Depot Credit Services ) charges a {$2.00} fee even when a balance is paid in full. Citi advertises if a balance is paid in full the consumer will not be charged interest, when in fact the consumer is charge {$2.00} under the title 'Fees Charged. '' When challenged, Citi 's response is that is a minimum interest charge. If it is interest, list it as interest. Reality is Citi is charging interest on tens of thousand of credit cards they are managing for Home Depot even though accounts are paid in full. Citi collects for itself tens of millions dollars from Home Depot credit card holders on top of the 26.99 APR they charge the consumer when a balance is carried. Only one word comes to mind for me... greedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Reliant Capital Solutions, LLC
State: IN

Complaint narrative:
This afternoon XX/XX/XXXX I received a message from a XXXX XXXX stating that they would send my account to law proceedings to settle the balance and then insinuated that upon initial look at my account it didnt look as if I had anything attached to my social security number I took this as a threat saying that they would ruin my social security number. I have the entire email sent to me for record. 

XXXX XXXX Senior Account Manager XXXX XXXX XXXXXXXX XXXX. 
XXXX, OH XXXX XXXX : XXXX Office : XXXX Fax : XXXX Email : XXXX https : //www.reliantcapitalsolutions.com/ This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XXXX, I sent a letter to the CRAs regarding a wrong and strange account on my consumer report. To this day, over 90 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately ; it has been 90 days, so they should be deleted promptly. I demand this account be deleted immediately, or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach, and I have gotten into the hands of the wrong person.

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 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
BB & T Bank continues to wrongfully and illegally pursue collection activity on an overdrawn checking account opened fraudulently in my name in an identity theft scheme, a scheme BB & T is currently investigating as of XX/XX/2021, and contrary to verbal assurances made to suspend collection efforts during the pendency of their fraud investigation. Upon information and belief this conduct violates, among other laws and regulations, the Fair Debt Collection Act, section 5 of thr FTC act, which prohibits unfair or deceptive acts or practices in ir affecting commerce, and further constitutes an Unfair, deceptive or abusive act or practice under the Dodd-Frank Act.

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 2021-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
When I applied for a loan with Navy Federal in XXXX of 2020 I was first denied because of DTI. When I called they re-considered and approved the loan. My credit score was over XXXX. When they approved me it was at 18 %. I really feel like this was excessive based on my credit score. Since then I have paid over {$1500.00} in interest. I think this rate was very high based on my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans Union Credit Reporting and a Background Data Solutions company under its umbrella that is reporting totally different, inaccurate and extremely harmful information that has on multiple occasions caused me to be denied housing. 

There incorrect reporting of closed, dismissed and even fraudulent information has cost over {$500.00} in denied apartment application fees as well as the inability to be approved for housing anywhere. 

They are reports totally different credit scores to different rental history report companies. They have within the last two weeks reported the false information to XXXX XXXX and I was denied XXXX XXXX XXXX and even AFTER disputing it and successfully having it removed, they still reported the information to another rental background company names XXXX  and got me denied again. The score was over 75 points lower than the score provided in the credit report that I received and no where does it say which score or what accounts where in the report. 

Trans Union is actually reporting totally different information in customers credit files and it doesn't even match addresses or correct SSN of the files. They have cause me alot of mental anguish and embarrassment by reporting this false information and taking part in denying me my right to fair housing!

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 2021-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Back in XXXX & XXXX of XXXX, XXXX XXXX XXXX stated they did not receive a payment from me, with the two credit cards I had with the company and that information is inaccurate, payment has always be made to the company. Late payment ( s ) was reported to the credit bureaus, XXXX shows account was paid as agreed, no negative information was placed on the two accounts that I had with XXXX XXXX, under my XXXX credit report so I am requesting this negative information be removed from XXXX and TransUnion as well due to inaccurate information being placed on my credit reports. Late payments being reported to XXXX, but not with TransUnion and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Back in XXXX & XXXX of XXXX, XXXX XXXX XXXX  stated they did not receive a payment from me, with the two credit cards I had with the company and that information is inaccurate, payment has always be made to the company. Late payment ( s ) was reported to the credit bureaus, XXXX shows account was paid as agreed, no negative information was placed on the two accounts that I had with XXXX XXXX, under my XXXX credit report so I am requesting this negative information be removed from Experian and XXXX as well due to inaccurate information being placed on my credit reports. Late payments being reported to Experian, but not with XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: CA

Complaint narrative:
I cancelled my XXXX XXXX XXXX  bill in I believe either XXXX or XXXX when I decided to switch providers. I paid the bill in full upon cancellation, yet continued to receive monthly bills. I got another bill, called and made confirmed it was cancelled and paid. I continued to receive bills, and tried cancelling multiple times, but they never shut off the internet, and continued to bill me for service that was cancelled until I stopped paying them. I disputed this bill and had it removed from my credit history as they never showed proof. I've started seeing collections on my credit this last year for what appears to be the same bill, even though it should be after the statute of limitations. I actually believe the statute of limitations would only be 2 years since I signed up verbally over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: GA

Complaint narrative:
Hello, I sent a letter disputing for inquiries and accounts that are not mine to be removed from Equifax, XXXX and XXXX XX/XX/2021. I never received any response back from them. The credit company is not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: OH

Complaint narrative:
I recently checked my credit report and saw that there was a fraudulent medical bill on my account. I have contacted that company and i contacted XXXX, Transunion & XXXX. This account does not belong to me.

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 2021-10-15 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: OH

Complaint narrative:
I recently checked my credit report and saw that there was a fraudulent medical bill on my account. I have contacted that company and i contacted XXXX, XXXX XXXX Equifax. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
To whom it may concern : I received a letter from USBank ( please see attachment ) that states that USBANK sold or transferred my FHA home mortgage to themselves, US Bank. It looks like potential fragelent activity. Potentially US Bank trying to change original terms of FHA loan, or something els of that meter. Also it could be that US Bank trying to increase amount of fund they are actually have on their books for some strange reason. It feels like it is highly likely illegal but I don't know. Kindly please investigate this situation. 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 2021-10-15 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I entered a credit card transaction with Gs Bank on XX/XX/XXXX. I have had several issues with the card since I received it. I tried to pay off the balance in which the card was declined. I also tried to make several transactions where my card was declined for some apparent reason. I never received any text, or call notifications. My card was blocked and declined for several purchases. I called in and answered all verification questions and method possible. I have done that a few times this week and on other occassions in the past. It leaves me to believe that this is purposely happening and I don't deserve this as a consumer. I called in on XX/XX/XXXX, XXXX, and previously because this has become very frustrating and stressful. I wasn't able to make the purchase or pay for what I needed to pay for and the card was declined twice. I wasn't able to pay for my rent and other purchases. I was hit with late fees and pending eviction notice due to my transaction being declined for my rent. I was not able to access my card after verifying who I was several times. I called in the first time for the first incident and was told that my card was unblocked and ready for use, come to find out that my card and several transactions were declined. This is very embarrassing and distressful and I don't deserve this. I am also sending this complaint in regards Pursuant to 15 U.S. Code 1666 - Correction of billing errors. I didn't want for my monthly statement voucher to be in digital form for many reasons I requested a hard copy of the document more than 2 weeks ago, and I still haven't received yet. As I logged on to see the monthly voucher statement I realized that there was in fact correction of billing errors in a positive amount Pursuant to 15 usc 1666d I was denied of a credit limit increase as well so I have been experiencing so many issues with this card and company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: OK

Complaint narrative:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I sent CREDIT COLLECTION SERVICES an Affidavit of Truth, & invoice, via certified mail in XX/XX/ XXXX for a multitude of Federally protected Consumer rights violations under 15 USC 1692. The bad debt furnished on my consumer reports is ruining my reputation, and it is defamation of character under Federal law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

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 2021-10-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XXXX, I sent a letter to the CRAs regarding a wrong and strange account on my consumer report. To this day, over 90 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately ; it has been 90 days, so they should be deleted promptly. I demand this account be deleted immediately, or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach, and I have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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:
I just noticed that there have been several inquires that have been added by someone that has stolen information. THIS IS FRAUD.

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 2021-10-15 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:
Hello, I am a recent victim of identity theft and after consulting with my legal team and contacting the CRAs, I was told to file an FTC report. I went to my local police department also and they said that is out of their jurisdiction so I was not able to get a police report but I did get an FTC report which is attached down below. I also have different addresses and employers on my report as well. I have already mailed each CRA as well via certified mail and provide each CRA the full authorization to investigate and block these account at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Millco Management
State: FL

Complaint narrative:
After my time being hospitalized I was unable to work and had no income. I contacted the company about making installments to pay my medical bills. I did as much as I could afford and it was paid in full.

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