vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
I had an old XXXX XXXX XXXX  which I used once this year in XXXX for {$36.00}, which I immediately paid off. Then in XXXX got a statement from old navy/barclays saying I owed $ XXXX and I immediately called and told them I hadnt used my card since XXXX and reported the usage over summer as fraudulent and asked they close my account. They said they closed it and reported the transactions as fraud. I had this same conversation about 8 times and kept getting called daily by Barclays, they insisted there were notes on the account and it was reported as fraud and closed. Then I got notification from the credit bureau that my account was in collections cause of Barclays. I called Barclays, they apologized and said that the previous people hadnt marked the transactions as fraudulent and that she was going to do it and send me a letter regarding the investigation. I got the letter, then my credit score went back up a little bit but not fully. I called again and was told that my balance was XXXX and not to worry cause the fraud was under investigation and it would be reported to the credit bureau as fraudulent. Now I went to apply for a home loan to buy a home and was denied because of this on my account, and speaking with XXXX they say Barclays did not accept the fraudulent report and lied to me, about 7 times.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I do not want this information to continue affecting me because it is in my report in a negative way. I want it to be reviewed and eliminated now. 



XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
As of XXXX of XXXX  I have had {$7900.00} in an account that I can not access. My funds have been locked up, and won't be released as per many attempts to withdraw them from multiple locations. As well as call numerous times the customer service departments, and special service lines on the matter. They can not give me any information about nor can they tell me anything as far as when they will release my funds to me. This has been over a year I've been dealing with this matter, and have been very patient. First I lost everything in hurricane Ida, and I have been struggling since to get everything repaired on my home. I've been denied any assistance on the repairs because of how soon I purchased the home as to when the storm hit. I've had many problems over this matter happening for instance, I had to go to prison because someone said I stole their money because I couldn't access these funds to do the work I was paid to do. This has caused hardships on top of hardships, they should be responsible for these, and still nothing is done about the real criminals in all this. Please do something, I really don't deserve what they are doing to me. The company is Capital One Bank XXXXXXXX XXXX  Thanks Again ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-11-10 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
XX/XX/, I made a purchase of {$540.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The two pieces of furniture were not picked up until XX/XX/2023. The manager, XXXX, advised me to leave the bar there to be repaired. The bar was not repaired in the store as promised so a refund of {$170.00} was given but never received by XXXX XXXX XXXX XXXX XXXXXXXX which are affiliated, one and the same. 
The recliner chair was defective, the date of purchase of the furniture was listed as XX/XX/2023 and that is not true. Also the discounts on my invoice were twice what was actually given to me. Thus, XXXX XXXX agreed via email to reimburse the entire {$540.00} for me to have a XXXX balance. XXXX XXXX claimed this had been done but I was still charged a late fee of {$29.00} even though XXXX XXXX sent emails stating the account would be refunded in full and even though I had disputed the entire amount with XXXXXXXX XXXX XXXX XXXX XXXX. I have sent the copy of emails stating the balance would be paid in full and the account would be XXXX. 

It is my understanding that XXXX XXXX is being sued in the State of Florida for the same complaints that I am filing now. The legal action is being taken by the Attorney General in the State of California for what appears to be similar corruption.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
OPEND TD BANK signature savings account on XX/XX/2023 with promotional {$200.00} bonus when funded with atleast {$10000.00} minimum over 60 days. 

Successfully completed and followed up after 90 days in Branch for payout, was advised that payout would take 6 months. 

Waited 6 months XX/XX/2023 and called customer service and escalated in Branch that {$200.00} bonus still not recieved. 

Customer service acknowledged all requirements met and would escalate for payout. ( heard this before ) Still no payout

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
piggybacking of my last complaint where they still won't put me on standard repayment plan I've been approved for months ago, the auto debit is still pulling the graduated payment amount when it actually is pulled ( i can't add to this because it will just pay me ahead instead of pay down the principal - I'm paid ahead until XX/XX/2024 - why? i asked them in writing to distribute extra money given to highest interest, etc. [ using cfbp template and it's still not happening ] ) anyway now they told me they'd fix it, I'll pay the standard amount ( still not true ), then they applied me to an IDR plan ( that I didn't ask for ) and put me in admin forbearance ( that i also did not ask for. I am NOT having trouble paying... i can NOT do PSLF, there's no reason to be on IDR I want to pay more. ) that was background : today i go in to pay off a specific loan, since they can't seem to distribute my payments so I'll pay off the whole loan with the lowest balance. well, that loan is technically on forbearance -but tell me why it's been gaining interest this whole time? and how when I had to do the payoff amount it included TODAY 'S interest. HOW? " they aren't accruing interest '' according to mohela or dept of ed. XXXX please never pay these people ever again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I do not want this information to continue affecting me because it is in my report in a negative way. I want it to be reviewed and eliminated now. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry 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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I do not want this information to continue affecting me because it is in my report in a negative way. I want it to be reviewed and eliminated now. 



XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
CashApp and Block Inc. have siphoned my {$4900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 a SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I submitted an application with capital one for a savor one card. I already went through a pre approval online through capital one and was told I was approved. When i submitted my application I was denied. I was shocked I have XXXX credit, low balances less than 10 % used, great credit history, always pay my bills, and a business owner. I received a email for the reason why and it was an adverse decision was to many active credit cards. 
Under there reasons of why I would get an adverse decision that wasnt listed. I called customer service because I feel it was a mistake. I got escalated to a supervisor and explained the situation and it doesnt make sense. She told me they can not do anything about it.. she didnt bother looking into it. I asked her Was vindictive because i cancelled a capital one credit card or discriminative?? She laughed and said have a good day and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I placed an XXXX order last year and tried for the longest to get my money back or a portion. I filtered out to have the whole HOUSE, and I found this. I thought it was a nice place, but it turned out to be a motel. I travel with a full, big-size XXXX XXXX, so when we leave her alone in the room, we request a home so there is no disturbance. Unfortunately, when we went there, you could hear literally everything through all the walls and doors. We didn't feel safe, and it wasn't what was listed in the description. I tried doing a dispute with the owner since we couldn't even stay one night, but she wouldn't provide any type of refund but only another location that's exactly like the one we are complaining about so she can " tend to our needs '' in this problem. After a long talk, she agreed to provide a small refund that was less than 30 % of what I paid but she never went through with it and ended up changing her mind and telling XXXX, no. I was I spoke with customer service multiple times stating that I was aware of the business but unfortunately, the listing was incorrect, and I would just like a refund. Afterward, they just declined everything, closed my case, and took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2023, I called Capital One to ask them what date did my grace period end due to a temporary financial hardship that was ending. My payments had not been late and I was calling to discuss when I could pay before their grace period ended. They told me XX/XX/XXXX was the last day. Payment was made on XX/XX/XXXX, yet late payment still showed up on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I was visiting XXXX, XXXX from XX/XX/XXXX to XX/XX/2023. 
The fraudulent transactions occurred on my Apple Pay in the early morning hours on XX/XX/2023 at XXXX XXXX XXXXXXXX. Total five transactions occurred through Apple Pay : XX/XX/2023 : {$6500.00} XX/XX/2023 : {$6000.00} XX/XX/2023 : {$4800.00} XX/XX/2023 : {$6000.00} XX/XX/2023 : XXXX I disputed the transactions same day ( XX/XX/XXXX ) in the evening via Text messages XXXX XXXX XXXX ) with Apple Pay in XXXX, XXXX. Apple Pay could not reach to me other than text messages option in XXXX, XXXX. I did not authorize, purchase or sign on anything and Apple Pay opened the dispute claim. Apple Pay did not verify with me via text under advance theft protection and denied the dispute without sharing any evidence of my authorization, sign the receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. Or permissible purpose. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : Hunter Warfield/streetlane homes- has been paid on time and in full. 

XXXX XXXX has been paid on time and in full. 

XXXX XXXX-has been paid on time and in full. 

XXXX XXXX XXXX has XXXX paid on time and in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
I was approved through United credit group. Was given my interest rate and payment. Did my trade and uploading all my XXXX documents. The XXXX was being purchased through Vroom and on the last day before the car pick up the agent with groom said I needed to call United credit group because they were now wanting me to put {$9000.00} down plus my XXXX XXXX XXXXXXXX. Waste of time and misleading advertising and my time. Now I have multiple inquires that has damaged my credit and no vehicle. Complete waste of time and a huge disappointment. I wont refer anyone to vroom or United credit group.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Omega RMS, LLC
State: OH

Complaint narrative:
Omega RMS-I was contacted about an alleged debt through XXXX XXXX XXXX XXXX I cancelled the travel service XX/XX/XXXX due to the escalating COVID 19 pandemic. When I initially spoke with XXXX, I informed her that I had received communication from another agency about this account and that I was disputing this account. She advised that Omega RMS was the only account handling this alleged debt. I then received communication by mail on this debt and returned a letter XX/XX/XXXX disputing this debt and requesting the contact information of the original company. I received a follow up call from XXXX XXXX I again reported that I was disputing this account and that I was confident that I was communicating with two separate entities about the same debt. Today, XX/XX/XXXX, I received communication from XXXX XXXX XXXX about the same account. I called XXXX to update her with this new information and inquired if these were the same company. She denied any knowledge of XXXX. I repeatedly attempted to clarify which company was handling this debt. XXXX insisted that Omega RMS was the only agency and that the account had been placed with her on XXXX I requested to speak to a supervisor about this, as I am trying to clarify who to escalate the dispute to, and XXXX refused. I asked to speak to any other agent, and XXXX refused. At this point, Ive asked for XXXX not to contact me or be involved in my case. She again refused. I do not have confidence XXXX has appropriately addressed my account or dispute, I am concerned that multiple companies are involved in the same alleged debt, and I concerned that XXXX and Omega RMS will take punitive action against me due to my awareness of their blatant deception attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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