vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a purchase on my Capital One Visa card totaling {$1000.00} on XX/XX/2020. 

I first became aware there was a problem with the transaction in XX/XX/2020. On that same day I notified Capital One via telephone and they reversed the charge ( cc statement attached ). 

A month later they rebilled me, and a letter followed after that stating they had investigated but decided to rebill. There was no explanation of what transpired between them and XXXX XXXX XXXX XXXX firm from whom the order was placed. 

I wrote them a letter via Priority Mail with tracking on XX/XX/2020 and sent records, receipts and stated my case. Capital One agreed again that there was an invalid transaction and credited my account a second time for {$1000.00}. The service was not as described as I never received the services I had ordered. The case was poorly handled by the law office and also poorly handled by Capital One. 

Now in XXXX, the charge mysteriously shows up again as a " transaction rebill '' for second time on or about XX/XX/XXXX. 

I am frustrated and have had enough of this disputed transaction which has gone on for 13 months by now. Any assistance you can provide would be greatly appreciated. 

Case details : The payment went to a law office, XXXX XXXX XXXX XXXX, practicing in California. 
The service was for submission of a Trademark application on my behalf, as they are patent attorneys. They gave me a questionnaire to fill out and I was requested to provide brand information along with any company logos for trademark application. 

I was told the application was submitted without incident and I waited for my application to be approved. I received notice from them in XXXX of 2020 ( email attached ) where they showed the response from US Patent and XXXXrademark Office. It became apparent the application was not approved because the law office failed to attach my logos and made a huge error of omission. 

There was no way the application was getting approved as just 2 regular English words without logos to provide uniqueness. Most likely it appears their lawyer or paralegal who submitted the application forgot or failed to attach the logos to my application when it was submitted. Their assertion is that I either never sent the logos or that I gave them permission to submit an application with no logos and this is false. 

I requested refund from them twice via email ( emails attached ). They denied any wrongdoing, claiming I had authorized them to submit without the logos. This is not true, as the logos are essential to my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In late XX/XX/2020, in the XXXX XXXX XXXX  store in XXXX CA on XXXX XXXX, I purchased a {$3400.00} chest after receiving an offer to get 20 % in reward certificates if I used a XXXX XXXX XXXX credit cards from Synchrony bank. 

I made the purchase and was told that I would get the rewards in the next billing cycle which never happened. 

I contacted XXXX XXXX XXXX on 3 occasions and Synchrony Bank on 3 occasions. Both organizations claimed that it was the others responsibility to fix. 

I have never received the credits I was promised. 

Any help would be appreciated. I think both companies have acted in bad faith and with poor customer service, bordering on fraudulent practices.

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 2021-01-16 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 46 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly.

I demand these accounts and Inquires to be deleted immediately or will file for litigation due to wrongful reporting on my credit profile, this isn't right! My information was also impacted by the XXXX  data breach and may 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 2021-01-16 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: SC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 46 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly.

I demand these accounts and Inquires to be deleted immediately or will file for litigation due to wrongful reporting on my credit profile, this isn't right! My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Credit card was maxed out here in different locations such as XXXX, then an hour later again in XXXX XXXX or XXXX XXXX then an hour later again swiped in another location far away. Each transaction was over {$100.00} or {$200.00}. I called Capital one and they blocked the card after all my money was taken and my card was maxed out. They said an ID was shown at each time of transaction. I told them that its impossible to begin with but even if its possible to go from XXXX to XXXX and put gas in my car for more than {$200.00}, im currently in XXXX on vacation how could I possible be swiping a credit card in north and south of the entire state of California each hour? Capital one gave me my credit back but said i had to take it to XXXX and the other 2 credit bureaus so they can fix it. I contacted them and they said i had to request an application and mail it to XXXX and only then theyll set out an investigation. It was too much work while capital one knew it was a simple fix caused by identity theft. However, all they did was freeze my account and gave me my money back. Please help me get my points up my credit report went down by more than 35 points. Please and Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX EXPERIAN XXXX. XXXX  XXXX XXXX XXXX XXXX : Last 4 SSN : XXXX To whom it may concern : On XX/XX/2020 I called Experian Dispute Center, talked with someone named XXXX in regards to removing a negative item from my credit report that had reached its, 7year FCRA removal date. Experian maintains this information under my Social security Number. While we were exchanging information on the phone he confirmed the item was removed. It would not be posted on any future, Experian report. Within 3 to 4 days after this removal, my Fico Score went from XXXX to XXXX. During this process I am in the middle of refinancing my home with a XXXX  VA lender and have agreed to a {$25000.00} Dollar cash out. All was good, until I check my Experian credit report as of the XX/XX/XXXX and low and behold, the item that was confirmed to be removed is back on my credit report. On the XX/XX/XXXX I received notice that my Fico score went back down to XXXX. The VA refinance lender reports to me I have lost my lock in rate also I am disqualified for refinancing and cash out due to the return of the disputed negative item and the loss of the XXXX Fico score. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( 0 ) ( ii ). You are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previous deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than5 business days after the reinsertion if, authorized by the consumer 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

This is a very serious violation of the FCRA, I reserve the right to pursue legal action for the blatant disregard for the law. I will offer you 3 options before pursuing legal actions 1. Within 7 days from receipt of this letter, raise my Fico Score back to XXXX 2. Compensate my loss of {$25000.00} dollars 3. Legal action will be pursued in XXXX County Florida, XXXX Circuit Court A copy of this letter has been sent to Cc : CFPB Cc : Attorney Generals Office Cc : XXXX  Cc : Veterans Affairs Office, Washington D.C

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 2021-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Block, Inc.
State: MS

Complaint narrative:
Notice of bankruptcy and probate notice and plea .. 
XXXX hearing notice of involuntary Bankruptcy Accounts administered under the cash app tag $ XXXX has several unlawful deductions and unauthorized attempts and payments that need to be fully restored and return including hereditaments. All transactions should not remove credits or cash from the overall balance. 
Add the total sum of all inquiries and make those credits available for the Beneficiary named on this account. 
Notice of hardship There is a low balance on the account and beneficiary can not survive with a low balance. 
Please return all monies, species, credits that has been transferred to any third party. This account is for the beneficiary of XXXX XXXX XXXX This account is needed to enforce private laws and deploy constitutional assistance around the the united states of America, and private commercial use. 
Notice to agent is notice to principle Selective Service I'd is : XXXX for XXXX XXXX XXXX XXXX, XXXX : and the United States of America XXXX 

Restore all funds to routing number : XXXX. 
account number : XXXX. 
within three days of this notice! Notice of emergency relief for egress, regression, right of movement and locomotion. This for the care for the extreme care for XXXX XXXX XXXX ( TRUST ) ____________ [ X ] ____________ By : .XXXX XXXX, :XXXX : . and the united states of America Executor for :. XXXX XXXX XXXX ( Trust ). XXXX 


_____________ [ x ] _______________

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
Company sent me a letter stating that I owe XXXX XXXX {$1200.00}. I have never had XXXX. The letter they stated had my name spelled wrong and a apt number. I have never lived in a apartment. I called the company and some lady tried to get force me to say that it must be my account and that I have to remember it. She went on to say that it might belong to another family member in my house that I forgot. I did record the message and I can send it if need be. I told the lady that this was on my credit report a few years ago and I disputed it and was deleted. She then went on to say that her company just purchased this. This company is some junk debt collector that doesnt care. Lady was so rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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:
Looking over my credit report and notice there are some accounts that are paid in full and some that aren't mine. I've included the accounts below that I'm disputing that are impacting my credit report negatively : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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:
Looking over my credit report and notice there are some accounts that are paid in full and some that aren't mine. I've included the accounts below that I'm disputing that are impacting my credit report negatively : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Company : XXXX XXXX : {$610.00} Action : Attempted to inform reporting agency that equipment was returned and account should be removed.

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 2021-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: UT

Complaint narrative:
I keep getting notices from cash app that my account has been locked I have deleted my account and notified customer service which you can only do by email and Im still receiving 100 plus emails an hour from them I really need you to do something about the notifications I am receiving from you.I have had 80 notifications in an hour, I have deleted my account and removed my email to no avail, this is absurd. I need something done immediately. I am contacting the chamber of commerce and any other official I can Monday morning and filing harassment charges Put a phone number on your site so people can get issues resolved, this isnt a way a business should be ran

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE
State: TX

Complaint narrative:
AvanteUSA placed a collection on my credit report stating that I owe them money for a past due debt purchased by them from a different creditor. I contacted business via mail and requested they validate debt pursuant to 15 USC 1692g. AvanteUSA in response provided insufficient validation and did send requested documents that I am entitled to review. AvanteUSA also violated federal and state law from the Texas Finance Code and the Fair Debt Collections Practice Act, in the notice they sent specifically as it pertains to deceptive and misleading representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Hi, Synchrony Bank or PayPal credit ( this credit card was never activated ) has charge my PayPal account and my inactivated PayPal credit. Shortly after the XXXX purchases was charged they falsely stated that my XXXX  checking did not have the balance or XXXX  refused payment and immediately close out my inactivated PayPal credit. The fact the credit card was never activated and posting transactions on my PayPal balances already it should not be. 


Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Fax XXXX Phone XXXX I want CFPB to continue protect the rights for consumer and look into this complaint relating to credit procedures.

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 2021-01-16 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: DE

Complaint narrative:
There was a collection that was put on my credit report without proper notification per the FDCPA. I sent this information to the credit bureaus, XX/XX/2020, to investigate, requiring proof of the letter that was sent. The Bureaus just updated the account that was reporting and never sent a letter stating what their findings were. They updated the account balance and remarks on the 20th and I never received any letters from them. We are now pass the 30 day mark and i have yet to receive anything. Not only is the collection agency violating my rights by reporting the a collection without sending me a dunning letter, the bureaus are violating my rights by not completing the investigation that I requested and sending me a letter. There was one credit bureau that DELETED the account because the collection agency didn't follow the law, and that was XXXX. I want the account deleted from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I was forced to sell my Home as I was so far behind. Started with XXXX  XXXX XXXX. XXXX and I refinanced home in XX/XX/XXXX, and in XXXX he passed away. 
XXXX  XXXX XXXX refinance my mortgage with out me knowing. Constantly asking for modifications on Home. Mortgage then sold to Nationstar for a short period of time. The passed over the Mr. Cooper of whom was paid off when house was sold. 
I owed in XXXX XXXX when husband passed. Suddenly up to XXXX in XXXX. Then sold to Nationstar. I alerted Nationstar of this but no answers. Then passed into Mr. Coopers hands, also alerting them. All the information on the refianance is Fraudulent. 
Using my Husband 's social security income, My XXXX from his death. 5 years after his death. I am appauled. I have many documents to support this accusation. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  XXXX  XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection XXXX  XXXX XXXX XXXX Collection account. {$7800.00} past due as of XX/XX/2020. 
( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Collection XXXX XXXX XXXX XXXX Collection account. {$7800.00} past due as of XX/XX/2020. 
( XXXX ) XXXX XXXX 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 2021-01-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Collection XXXX  XXXX XXXX XXXX Collection account. {$7800.00} past due as of XXXX 2020. 
( XXXX ) XXXX Public Record

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