vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
On XX/XX/XXXX I paid the balance in full for my Walmart Rewards card with Capital One. I was attempting to rebuild credit and had been given money by family to pay off my debts and then I was using the credit cards to make purchases and then pay them off immediately or by the end of the month. Capital One decided to freeze my Walmart Rewards Card to verify that my recent payment and charges to this card were not fraudulent, and I sent in 60 days ( 2 months ) of bank statement from both checking accounts I was using to make payments to both of my Capital One credit cards. 

I mailed in physical copies ( XX/XX/XXXX ), as well as faxed ( XX/XX/XXXX ) in copies to Capital One 's Fraud Department of my bank statements. I had to hound them to get emails for links to upload directly to the Claims Department online that never worked. They never called me back despite being told multiple times they would. USPS said the envelope with these statements was delivered to Capital One on XX/XX/XXXX, and Capital One didn't upload the documents to my account and begin reviewing them until XX/XX/XXXX. I had called at least 1-3 times a weeek since the middle of XX/XX/XXXX checking on the status. When I called the week of XX/XX/XXXX, the agent I talked to said they approved my documents from XXXX XXXX XXXX XXXX but had denied my bank statements from XXXX XXXX. 

I was working for XXXX at the time and XXXX uses XXXX XXXX XXXX, a service provided by XXXX XXXX  for instant payout of earnings to XXXX Drivers. The top of the bank Statement says " XXXX XXXX XXXX, '' in addition to my name, address, and full account number that matched what Capital One had records of me making payments from. I had written the claim number Capital One had given me, as well as wrote a note at the top of the statement to look at the bottom of the bank statement where I had used a yellow highlighter marker around the statement that says " THIS IS A STRIDE BANK ACCOUNT. '' Capital Once refuses to accept that this is credible proof that the account is mine, from XXXX XXXX, and that the account number, name, address, and Capital One claim number is all the same as the records they have. They refuse to unfreeze my account and are expecting me to start all over and send them new information. What they have is correct information and its the same information they will get again. Their negligence is screwing up my access to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately! 

2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately!

3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately!

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 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: ME

Complaint narrative:
I got an email saying : Dear XXXX XXXX XXXX, As a result of a recent review, we have closed the account referenced above. 

We have taken this action because we were unable to verify personal information on your account. We will report to the credit bureaus that the account was closed by creditor, and credit your account with your card rewards balance if you have one.

If you have any questions, you may write to us at : Discover Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Sincerely, Discover Corporate Security

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-03-25 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: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) 11 XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately! 

2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) Account Number : XXXX This is identity theft, please remove this inaccurate account immediately! 

3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX  XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: LA

Complaint narrative:
This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report.Unauthorized use of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-25 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: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquaries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have sent in several letters with the proper documents to remove the incorrect information and it still remains on my credit file, I call in and they are very rude and disrespectful and constantly tell me I didnt send in any letters or documents when I clearly sent it certified and know they have it cause I check the tracking, this incorrect Information is injurious to my credit, its like Im wasting money sending certified letters and not getting any results this is not fair that experian is the only one doing this, its my knowledge that all 3 credit agencies should have the same information on file,XXXX XXXX XXXX XXXX  XXXX mo XXXX is not my address and is not on file with XXXX and XXXX these two only have one address on file and its my correct one experian will not put my correct address on file My only existing address is XXXX XXXX XXXX XXXX XXXX  XXXX mo 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 2022-03-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX I Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 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 2022-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC
State: NC

Complaint narrative:
Between XXXX I received different loans for different amounts from Omni financial in XXXX, Georgia and XXXX, North Carolina XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: PA

Complaint narrative:
Ive received several phone calls and voice messages from a company by the name of Hunter Warfield. Each time they left a voice message, they spoke very fast and unclearly about who they were and what number I could call back on. They phone number they did provide was much different than the one that appeared on the screen when they called. On XX/XX/XXXX, I received another call and voicemail at XXXX. I called back at XXXX pm and spoke with a man that told me I owed approximately {$1000.00} for potential gross rent. When I asked what it was for, he stated that I was the guarantor on a contract and that I owed this money. 

He could not reference the exact contract nor the section of the contract that indicated I was responsible for such fees. The representative also failed to mention the name of the company I allegedly owed this debt to and did not offer to send me a copy of any statements regarding such debt. I assumed he was referring to my late fathers apartment complex. I informed him that my father passed away XX/XX/XXXX and that his belongings were cleared out of the unit by XX/XX/XXXX. The key was returned to the management office the morning of XX/XX/XXXX. The rent was paid in full and up to date until the end of the month. I offered to send in a copy of the proof of death which the property management already has on file. The Hunter Warfield rep stated that he was sorry to hear but that I still owed this debt because I signed a contract. He also stated I didnt need to send anything as his company would reach out to the property manager. 

To date, I have not received any bills or notifications from the apartment complex that any money is owed to them. I have not had time to fully mourn the loss of my father and to receive calls barely 3 months after his passing, from a debt collector about a debt I have no knowledge of is insulting and disrespectful. I will seek legal action if I continue to get any calls or see any negative items placed on my credit report as a result of this torment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: TX

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 reciept of this report. Failure to do so is a violation of my rights.

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 2022-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I mistakenly thought that I had another 6mos extension ( so I was told ). When I contacted the mortgage company, I was told that I was contacted via mail about the pending deadline. Dont remember seeing it come in the mail. 
My complaint is the company is making it very very difficult to work with. I was told that my forbearance was only 6 mos ( the mistake mentioned earlier ) and now I am being reported to credit reporting agencies. I was told that there was nothing that could be done about that. They would not let me pay online. The only way to pay is mail a check or call. I opted to call. I chose the call back option. I called between XXXX pm. My return call came at XXXX oclock PM! I missed it of course. Second call I chose call back, this time it was XXXX hrs!!! I then sent check through my banks bill pay. I sent it on the XXXX and the check bounced on the XXXX. I didnt check my account. I just assumed it had already passed. That is my fault totally. 
My main concern is Im afraid that the next time I hear from them, it will be the foreclosures department. Please advise Im helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Prince Parker & Associates
State: WA

Complaint narrative:
Thank you for your inquiry. The account in question was placed with PPA XXXX. Validation notification was sent to the address presented with no mail return. 

XXXX XXXX requested a copy of the bill XXXX. The bill was emailed to XXXX XXXX XXXX. 

XXXX XXXX contacted PPA via phone XXXX and indicated he disputed the account in question. PPA placed the account in dispute status and no further collection activity has been made. 

XXXX XXXX contacted PPA via email XXXX with his dispute information and the dispute was filed with XXXX XXXX XXXX on the same day. PPA responded to XXXX XXXX 's email dispute and indicated the account was documented, the dispute was filed with our client, and it could take up to 90 days for our client to respond. 

XXXX XXXX contacted PPA via phone XXXX once again indicating he is disputing the account. 

To date the account in question remains in dispute status. XXXX XXXXXXXX XXXX dispute has been filed with our client, verbatim, PPA has provided all documentation as provided by our client to XXXX XXXX, and currently our client has not responded with a resolution.

Company response to consumer: Closed with explanation