vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 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: ERC
State: MI

Complaint narrative:
The debt of XXXX was paid on XX/XX/XXXX. Today ( XX/XX/XXXX ) I called Enhanced Recovery Co. to dispute the claim. They told me I have to call XXXX XXXX where it was forwarded. I have already paid off the debt on XX/XX/XXXX, so there is XXXX balance on the particular event that is on my credit history. They are trying to get me to keep paying more money when it is already paid off. I called ( XXXX ). The man on the phone is named " XXXX '' who is from Enhanced Recovery who claims he is a supervisor when he's the original person that answered, he may or may not be. He keeps trying to get me to pay more money for an already paid due. My financial advisor is guiding me and says this is illegal to keep trying to collect money for a debt that was already paid years ago. This guy went from saying I need to pay {$190.00} and is now saying I only have to pay {$140.00} because he is giving me a discount but that's the lowest he can go, and I feel like I'm negotiating in a flea market in a third world country and this whole thing doesn't feel right and seems illegal. Please help me get this deleted off my credit! Thank you for your time. 

Kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a very rude treatment from a teller while making a deposit at a local Capital One branch, located XXXX XXXX XXXX, XXXX, NY XXXX. I came to this branch on XX/XX/2022 at about XXXXXXXX XXXX and saw that available Teller 1 and Teller 2 were bantering, with no customers at their windows. I stood in front on Teller 1 waiting for acknowledgement, while he was finishing his chat with Teller 2. I asked him, if he could help me. He waved a hand, with no hello. I needed to make a deposit and entered my bank card in the slot. Machine took its time, but I saw no request for PIN. Teller 1 began patronizing that I should be following instructions on the screen and do what I am told. I told that I do follow the instructions, but there was little to do if no PIN input screen was displayed. He then pressed some button on his keyboard and I managed to enter my PIN. Later he began preaching with superior tone about masks and other remarks about me, even though we were both masked. I told him that I don't appreciate condescending attitude and went to Teller 2- who was available ( no customers ), but pretended he was too busy to help me. I managed to get deposit made by Teller 3 ( XXXX ). XXXX refused to give me the names of the other 2 tellers or manager 's last name, but gave me branch manager 's ( XXXX ) phone ( XXXX ) to report complaint, but when I called - that number was not working or was disconnected. The manager was not present at the branch that day ( XX/XX/2022 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

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 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
My identity was used to fraudulently open a credit card account with Citibank. My address was changed by the thief also. I have never had an account of any type with Citibank. 

I learned of a possible problem from the Department of Defense XXXX XXXX XXXX. When I checked my report I found that the payment for the card in my name was overdue and that was changing my credit score. 

I have repeatedly tried to inform Citibank but the representatives insist I must have an account to file a complaint or I must buy their fraud alert system. 

I have notified all 3 credit agencies, the Social Security Office, and MY ID Care has opened an investigation ( Case # XXXX ), XXXX XXXX, XXXX Ext XXXX The card was opened on XX/XX/21 to a person who claims their address is : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee 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 2022-02-04 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: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX  MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: NC

Complaint narrative:
My XXXX credit card was transferred to XXXX XXXX  XXXX  XXXX in XXXX. I received an email stating that it was doing so and I would be getting a packet from XXXX XXXX  along with a new credit card. I still have not received a packet or credit card. My last payment went to them via online banking on XX/XX/XXXX and I have not been able to get an account number or access to pay my account other than calling them. The first XXXX months of calling them since XXXX they stated that I was not in their system and it may take time to transition. This continued for months. I then received a letter from them on XX/XX/XXXX dated XX/XX/XXXX that my bill was approaching 90 days overdue and was in risk of losing it. I have not received any additional account information or statements since my account was transitioned. I had tried reaching out again to the number provided in the original email and they again said they couldn't find me in the system. I then called XXXX to get some assistance. The rep there called a different number and after XXXX minutes they were able to find me in their system. I am still unable to access my account online and was just sent all statements since XXXX from XXXX. I am now unable to refinance my house because of this issue as it is killing my credit. I have been transferred to a manager finally after weeks of being on the phone with their representative to hopefully find a solution. I a fully able to pay what is owed I just want them to accept the fact that I was not sent appropriate documentation in order for me to pay my bills. I have also submitted a letter with details of the lack of documents from them since XXXX and they at first said that they had investigated and it looked like they sent everything out. Well I did not get anything from them in the mail until XX/XX/XXXX and I will not settle for that.

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 2022-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
My Mortgage lender company failed to disclose that they did not complete my application for Morgage credit Certificate. They charged me application fees for the Mortgage credit certificate on our closing statement on XX/XX/2021. Though out the process of our house getting built we were told that we would be getting The MCC... we took our classes and provided certificates of completion and how ever when requesting the document i paid for XXXX. Kb home we received this XXXX XXXX, I did check the loan was not registered or closed with MCC. You are correct the MCC was on the file and then removed. Given the time frame since this closing has occurred I am very limited on what information I have available. 



It appears you are due a refund of those fees if they were collected as the CD shows I will need to escalate that piece and see how we can get that refund processed and confirm the fees were not mislabeled on the CD. 



Also, the guidelines may have changed and the current requirements for MCC and what was applicable at the time of your closing may not be the same. Covid had the bond agencies tighten up their requirements and guidelines and some of relaxed them in recent months. 



More to come. 


.... they mislead us into believing that we had an mcc by leaving the fees ... and now are playing it off as a mistake. I belive this was deliberately done to hurry closing process and it does not help with the credits that o would have received if they had done what they needed to do.. I am out of thousands no just the fees now...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXXXXXX XXXX  has incorrect information on my credit report I never owed them any money but it says I have a balance of {$2200.00} as of XX/XX/XXXX XXXX XXXX has an old account reporting that I have a balance of {$420.00} dollars from XX/XX/XXXX when my credit was actually raised to a higher limit of {$500.00} and is still open but list the old card as in collections XXXX XXXXXXXX XXXX  says I have a balance of {$1000.00} When card was paid off 3 years ago XXXX say I have a balance of {$600.00} as of XX/XX/XXXX and I never had a XXXX charge card XXXX XXXX XXXX  says I have a balance of {$710.00} and I never had a card from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I filed forXX/XX/XXXXXXXX bankruptcy protection on XX/XX/XXXX. The Target/Td bank store credit card in question was included in the XX/XX/XXXXXXXX petition. However, the account is being reported inaccurately on my credit report. The incorrect date as to when the bankruptcy was filed is being reported on my credit report. I have disputed the information several times including multiple phone calls and thus far nothing has been corrected. The date that shows on my credit report is XX/XX/XXXX, instead of XX/XX/XXXX on my XXXX report. This account only shows correctly on my XXXX report. Due to this erroneous date my credit score is not improving as I work to rebuild my credit during my XX/XX/XXXXXXXX plan. Although they have the correct information regarding my bankruptcy, they are refusing to report the accurate information, which they were doing as recent as XX/XX/XXXX. I will enclose a copy of a recent credit report to corroborate this information. Target TD bank had reported " charge off '' on my XXXX report and I successfully disputed that information and it was corrected. Because of this error I no longer qualify for a mortgage I was approved for in XX/XX/XXXX. I disputed this information with XXXX as well and the information was not updated. Please help me with this matter. As the consumer I feel helpless to be treated fairly, even though I sent proof along with my dispute to XXXX, as well as, XXXX such as the bankruptcy petition that lists this account and the filing date the credit bureaus are still reporting the incorrect information. Please help me this matter. Thank you advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I, XXXX XXXX, am notifying CAPITAL ONE in writing that I refuse to pay this alleged debt which i have addressed and tried to rectify on multiple occasions. Your company has refused to correct the balance on my account and has also refused to honor my open-end credit even after affirming via the phone by a supervisor that i am enrolled in an open-end credit plan. I opened this account back in 2018 and Since then Capital one has knowingly participating in the fraud through the US Mail and is in violation of said violation of 18 U.S. Code 1341. Capital One has threaten to close my account on multiple occasions, used extortion by threatening to report to my private information to credit reporting agencies, has put me under immense stress and mental illness by causing burden on my financial history with deceit, lies, racketeering activities and causing hardship between me and other financial opportunities. 

Fact, I, the affiant, have reason to believe and do so believe, CAPITAL ONE which is a private for profit corporation, regardless of your/their location, has participated in racketeering activity as defined in Title 18 U.S. Code 1961, by knowingly, intentionally, with forethought and malice have been sending dividends but, in fact, making me believe that dividend was an invoice for services provided by the insurance companies, which is embezzlement, theft by deception and extortion. 

Fact, I, XXXX XXXX affiant, am a federally protected consumer, debtor, and holder in due course pursuant UCC 3-306.

Fact, CAPITAL ONE is a for-profit company whose regulated by Truth in Lending Act.

Fact, an account pursuant 12 CFR 1002.2 ( a ) means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit.

Fact, an account pursuant 12 CFR 1002.2 ( a ) means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit.

Fact, I, the affiant am aware, CAPITAL ONE, can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant 12 CFR 1026.13d ( 3 ), a creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.

Please be advised that a billing error NOTICE has been sent to XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MD

Complaint narrative:
Application # XXXX My name is XXXX XXXX XXXX, I am the natural living women, I recently applied for a Credit card using Discovers Credit application and was shockingly denied... I am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ) .. when you ran my credit by using my credit card ( XXXX XXXX ), as we entered a consumer credit transaction that I initiated pursuant with FECO ( Fair Equal Credit Opportunity ), specifically, 15 USC 1602 ( i ) ( VIOLATION 1 ). At this time my social security card was used as a credit card to fill out an application. THE XXXX ( which your company participates in ) states I as a natural person that was created by GOD can not be denied credit on application, I have clearly been discriminated against character at the time of my denial, which is in accordance with 12 CFR 100.2 ( c ) ( i ). ( VIOLATION2. ) I noticed I was denied credit however proof we entered a consumer Credit transaction is on my credit report listed as an " inquiry '' or request for truth or information congress clearly states under 12 CFR 100.2 ( m ) ( VIOLATION 3 ), that a CREDIT TRANSACTION, means every aspect of an applicant 's dealings with a creditor regarding an application for credit including INFORMATION REQUEST, which is the exact " inquiry '' I received on my consumer credit report, as well as the report that your company sent, confirming they ran my consumer credit report to search for information pertaining to my request of an credit card with Discover. The credit card you used to extend credit to yourself, and notI as a natural person, was my social security card as congress states under 12 CFR 100.2 ( k ) ( VIOLATION4 ) that credit card means ANY card or plate, such as my social security CARD, congress clearly defined what a credit card is pursuant to 12 CFR 100.2 ( k ) ( VIOLATION5 ). I was not approved for a credit card as requested, as the natural person. Lastly, Congress states Nocredit card shall be issued except in response to a request, or application thereof " pursuant to 15 USC 1641. At this time, it is unlawful, impartial, and unethical that your company has denied me as a natural person for a credit card when it is CLEARLY AGAINST THEFEDERAL LAW. It is unfortunate I had to go through this unnecessary stress of being denied of credit based on a credit application!!! I am now demanding reconsideration and exercising my rights as a federally protected consumer, to be approved for a credit card with your company, based on the information of the Federal Equal Credit Opportunity Act which is stated above, of a credit card of {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2022-02-04 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-04 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: MD

Complaint narrative:
On XX/XX/2021 I submitted a complaint to the CFPD, in regards to Transunion furnishing an inaccurate credit report. On XX/XX/2021, the company responded back saying they will update me within 60 days, by law the credit bureaus only have 30days to investigate. I did not receive any correspondence as of today regarding my complaint. I am requesting a Cease and Desist from this company other then mail or through the CFPD website. I also request an updated credit report, this can be sent with a link through the CFPD.

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