vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 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: CA

Complaint narrative:
On or about XX/XX/2021, I purchased a XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX with the amount of {$19.00} at Walmart XXXX XXXX California. the XXXX glucose meter and test strips are defected which gave the test results very high false results compared to other meters and lab test result. The high false results are every dangerous for my life. On or about XX/XX/2021, I returned the meter and full box of test strips to Walmart but Walmart refused to accept return the meter and XXXX XXXX. Walmart return policy is 90 days with or with out receipt. On or about XX/XX/2021, I contacted Capital One credit card company to dispute the charge. On XX/XX/2021 I received a letter from Capital One stated that Capital One credit card company refused to resolve the dispute charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-03 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: CITIBANK, N.A.
State: GA

Complaint narrative:
My name is XXXX XXXX, I am a small business owner. I have a costco visa with citi bank since XX/XX/2011. Last week I received a letter stated that my account has been suspended and required me to call a phone number. I thought it was a scam because the number did not match the phone number on my credit card. This week I just found out that my credit card was closed. When I call the customer service they told me that nothing they can do to help resolve the issue. In the mean time, all my cash back year to date is being forfeited since my account was closed without any explanation. 
Note : All these years that I have the card, I have never missed a payment. 

Thanks, 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 2021-06-03 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: ERC
State: OH

Complaint narrative:
This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: Sensible Auto Lending, LLC
State: OH

Complaint narrative:
This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX # XXXX -SENSIBLE AUTO LENDING # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX granted me credit on XX/XX/2016 with a balance of {$17000.00}. The card was maxed out. The Creditor closed my account and the total balance of {$17000.00} was paid in full. The account still states on my credit report as paid account but delinquent. The account was never delinquent and it was paid in full. This needs to be updated as just paid in full account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: GA

Complaint narrative:
XXXX XXXX granted me credit on XX/XX/2016 with a balance of {$17000.00}. The card was maxed out. The Creditor closed my account and the total balance of {$17000.00} was paid in full. The account still states on my credit report as paid account but delinquent. The account was never delinquent and it was paid in full. This needs to be updated as just paid in full account.

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 2021-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 - I went through the prequalification process with American Express. The website is : https : //www.americanexpress.com/us/credit-cards/check-for-offers/ I received a response that I prequalified and was encouraged to apply. I have attached the response to this complaint. 

I applied and was denied credit. Response attached to this complaint. 

This is a bait and switch activity to get people to apply for the credit card. This is misleading advertising and my credit score took a hit. If I would have never been offered a prequalification, I would have never ever applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi All Credit Bureau listed me as an authorized user for XXXX XXXX, I never authorize or gave my social security number. I want XXXX XXXX  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 2021-06-03 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:
I recently sent a dispute letter to XXXX, Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
there is an account on my consumer report that is being reported more than once. In addition, information is not correct. I was denied credit to get my daughter 's XXXX  work done for all the inaccurate information that has been furnished to my consumer report. This false reporting is ruining my credit reputation, I have had to move in with my family because of fear I would not be able to get an apartment in a desired neighborhood. 

Also, according to federal laws a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card My credit is my SSN and I have to give my SSN to apply for a " student loan '' therefore these tradelines are a result of my credit card.

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 2021-06-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
Alliant Credit Union Loan - 30 Year Loan Paid in Full On XXXX I paid off my loan. Rep. indicated that was going to take a few weeks to rec 'd title. on XX/XX/XXXX i accessed my account online, and notice there was an outstanding balance of XXXX. I called and spoke with XXXX, ( XXXX ) she mentioned there was an error in applying the balance, and opened a work order to correct issue. 
On XX/XX/XXXX, I spoke with XXXX, and the error is still not corrected, I was transferred to supervisor XXXX initials ( XXXX ), and assured me the error will be corrected, she also mentioned they open an accelerating ticket to fix error. 
On XX/XX/XXXX spoke with XXXX XXXX XXXX XXXX, and error still not corrected, on XX/XX/XXXX I was transferred to another department and they hung up my call. 
As today, I sold my apartment and the title loan officer is trying to obtain copy of the payoff since XX/XX/XXXX with not satisfactory reply. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

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 2021-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
In 2021 I opened a Square account for my business to process credit card payments. On XX/XX/2021 I received an email from Square Inc. notifying me about account deactivation. I was not given any details, or a contact method to reach someone at Square. All my attempts to email or call failed. Not only this impacted my business tremendously, especially that we were at the beginning, and needed at least some notice in advance, but also Square placed a hold on our funds - {$2000.00} that we processed earlier in sales. The hold was for 90 days- which is above any normal term of transaction hold- until XX/XX/XXXX, XXXX. Additionally, on XX/XX/XXXX, XXXX sent another email saying that there will be an additional hold of 30 more days. The way Square communicates with their customer is unacceptable. It is a one way communication, without giving an option for questions or dispute. Also, the hold times is ridiculous and reasonless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Keynote Consulting, Inc.
State: TN

Complaint narrative:
I had a notification via XXXX XXXX that I had 2 collections accounts. Company is Key Note Consultants in the amount of {$7000.00} and {$1400.00}. These are NOT my accounts or debts. Please assist with removing them

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 2021-06-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2021-06-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are three accounts with XXXX XXXX XXXX XXXX ON MY CREDIT. I don't owe these accounts. I contacted XXXX XXXX. They gave me a letter showing that they are indeed paid and they asked all three Bureaus to delete it from my credit file. Equifax is the only bureau that refuse to delete it from my credit. I sent the letter from the agency and the agency asked them to remove the account, yet Equifax continue to report it on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP
State: CO

Complaint narrative:
In the process of adjusting our escrow with our Home Mortgage lender, US Bank XXXX Mortgage, our Auto-Pay option was turned off without our knowledge or consent, therefore resulting in a missed payment on XX/XX/21. We were notified of this via USPS mail which was sent out on XX/XX/21. Upon receiving this communication we immediately logged into our account and turned our Auto-Pay option on again as to complete our payment for the month of XXXX. In communicating with US Bank, the change to our Auto-Pay was made on XX/XX/21. I have no supported evidence in my browsing history related to US Bank on or around this date. We were notified on XX/XX/21 that our credit had been impacted by a 30-day late payment by XXXX and XXXX. Upon receiving this information we immediately followed up with US Bank XXXX Mortgage, who confirmed that because our Auto-Pay was turned off not only did our XXXX payment not process, our XXXX payment did not process as well. We took the necessary action to make our account current again, and confirmed that our Auto-Pay option would in fact auto-draft go-forward so that we will not run into this issue go forward. 
We believe that this was truly an internal error on the US Bank side while making other changes to our home mortgage account and we are being unfairly punished in the process of resolution. We have disputed this information with all 3 major credit bureaus as well as internally with US Bank and have not had any resolution thus far.

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 2021-06-03 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: IL

Complaint narrative:
I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the closed account section of the 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 2021-06-03 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: LA

Complaint narrative:
wrong info please see fraud laws : FCRA violations 017 XXXX  XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: LA

Complaint narrative:
I submitted a complaint against Loan Depot LLC, complaint number XXXX XXXX. In short, due to no fault of my own, my payments were showing late ( several were returned by the company ) and they were charging me late fees. You received a response from Loan Depot saying that they would not waive late fees. You closed the case without considering my evidence that I had gone above and beyond to become current on the payments and requesting that Loan Depot waive my late fees. What do I need to do to get some action on this issue? I've now made two payments ( in an abundance of caution ) and I still have outstanding late fees despite every attempt to work with the company. 

Please review my file and let me know what my next steps are to get this resolved. If the CFPB will not intervene on my behalf, please provide me with contact information for the regulator so that I can get this resolved. 

I work in the financial services industry and am disappointed in the CFPB 's lack of follow-up on this issue. 

Thank you for reconsidering this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: IL

Complaint narrative:
I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the closed account section of the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi All Credit Bureau listed me as an authorized user for XXXX XXXX, I never authorize or gave my social security number. I want XXXX XXXX  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 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi All Credit Bureau listed me as an authorized user for XXXX XXXX, I never authorize or gave my social security number. I want XXXX XXXX  removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LTD Financial Services, L.P.
State: CA

Complaint narrative:
I called today XX/XX/2021 to update my mailing address to start getting letters about the debt owed. I updated he address and made it clear I wanted to see it in writing. I was then read a legal verbiage script about a Hardship Relief program they have. The legal verbiage was read at super fast speed, and I understood nothing and made that clear to the representative XXXX. I asked hi to slow down and re-read and still I did not understand so I ended the call asking for the communications in mail. I called again because I wanted information on the Hardship relief its terms and conditions in writing along with the legal verbiage given to me by XXXX. Spoke with XXXX XXXX who completely ignored my request on purpose. I want the calls listened too as it obvious they broke the law bu denying me what I was requesting in writing. They are breaking the law and it make it difficult to deal with these agencies.

Company response to consumer: Closed with explanation