vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One sent me an unsolicited application for a XXXX Credit Card via my XXXX email account. The solicitation provided a link to a web page where I provided my private credit information. Both the unsolicited email and online credit card advertisement informed me that I am eligible for a {$200.00} -- rewards cash credit after spending {$500.00} in XXXX  months. Per credit contract with Capital One, I provided my credit information, which impacted my credit report. I provided my private contact information protected under the Federal Privacy Act of 1974. Capital One is now communicating that they are choosing to breach their contract with me by not paying the advertised {$200.00} -- rewards cash credit to my Capital One credit account. 

Email received from Capital One<XXXX XXXX XXXX, you're approved for a XXXX Rewards card XXXX XXXX XXXX  Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening '' - I have excellent credit. 

I called Capital One multiple times to confirm eligibility for the {$200.00} cash bonus. Now after spending and paying off well over {$500.00} -- of purchases over the last 3 months, I am told by Capital One that I am not eligible for the {$200.00} -- cash credit. 
Changing the terms of my credit card credit contract after Capital One has retrieved my very personal financial, private information constitutes a breach in contract and makes the Capital One Online credit card solicitation false if not fraudulent. Remedy is for Capital One to provide me with the advertised {$200.00} -- cash reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is not a duplicate complaint, I'm sending this complaint because of fraud activity on my report. Please note, that I'm not using any third party for this matter, I represent myself by myself. 
I pulled my report and discovered there several hard inquires that are result of fraud. These items are not a XXXX XXXX but fraud items. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
I have filed FTC report for this matter and I have included to this package. 
the INQUIRIES that are the result of the same type fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. 

Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have also attached a copy of my DL, SSN, and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The account in question is a private student loan debt originally serviced by XXXX XXXX and given to XXXX, then purchased by the XXXX DOE to the best of my knowledge. The amount is {$28000.00}, and was purchased by the XXXX DOE in XXXX. I never paid this account, as I was still in XXXX study, yet it showed payments current up until the summer of XXXX. The account was closed in XXXX, and reflected a delinquency on my credit report. I consolidated my loans when I went to graduate school in XXXX. I think that information may have been used against me to keep the account open and delinquent. My other loans that were included in the consolidation were not taken off my credit report, but they should be coming off in XXXX of XXXX. Albeit XXXX XXXX too late, at least they're finally coming off. The account I'm reaching out about is supposed to come off in XXXX of XXXX. I've disputed these accounts multiple times after consolidating my loans to no avail. My credit report reflects a poor payment history despite not missing a payment in years and having no delinquencies in over XXXX and a half years. This has adversely affected my credit report with inaccurate information for years, and I'm not sure how to dispute it so that it comes off. I was recommended to you by TransUnion. It has costed me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and has unnecessarily 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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The account in question is a private student loan debt originally serviced by XXXX XXXX and given to XXXX, then purchased by the XXXX DOE to the best of my knowledge. The amount is {$28000.00}, and was purchased by the XXXX DOE in XXXX. I never paid this account, as I was still in XXXX study, yet it showed payments current up until the summer of XXXX. The account was closed in XXXX, and reflected a delinquency on my credit report. I consolidated my loans when I went to graduate school in XXXX. I think that information may have been used against me to keep the account open and delinquent. My other loans that were included in the consolidation were not taken off my credit report, but they should be coming off in XXXX of XXXX. Albeit XXXX XXXX too late, at least they're finally coming off. The account I'm reaching out about is supposed to come off in XXXX of XXXX. I've disputed these accounts multiple times after consolidating my loans to no avail. My credit report reflects XXXX XXXX XXXX history despite not missing a payment in years and having no delinquencies in over XXXX and a half years. This has adversely affected my credit report with inaccurate information for years, and I'm not sure how to dispute it so that it comes off. I was recommended to you by XXXX. It has costed me in XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXs, additional inquiries searching for a flexible lender, and has unnecessarily XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: CA

Complaint narrative:
The account in question is a private student loan debt originally serviced by XXXX XXXX and given to XXXX, then purchased by the XXXX XXXX to the best of my knowledge. The amount is {$28000.00}, and was purchased by the XXXX XXXX XXXX XXXX XXXX never paid this account, as I was still in XXXX study, yet it showed payments current up until the summer of XXXX. The account was closed in XXXX, and reflected a delinquency on my credit report. I consolidated my loans when I went to graduate school in XXXX. I think that information may have been used against me to keep the account open and delinquent. My other loans that were included in the consolidation were not taken off my credit report, but they should be coming off in XXXX of XXXX. Albeit XXXX  years too late, at least they're finally coming off. The account I'm reaching out about is supposed to come off in XXXX of XXXX. I've disputed these accounts multiple times after consolidating my loans to no avail. My credit report reflects a poor payment history despite not missing a payment in years and having no delinquencies in over XXXX and a half years. This has adversely affected my credit report with inaccurate information for years, and I'm not sure how to dispute it so that it comes off. I was recommended to you by XXXX. It has costed me in loan denials, paying exorbitant interest rates, credit line denials or small limits, business loan and credit denials, additional inquiries searching for a flexible lender, and has unnecessarily affected my life negatively.

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 2023-01-31 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: MA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX Date of inquiry XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : 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 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was trying to acquire a laptop, printer and phone for a job but I was scammed by the people selling them. I sent them money and they never sent the devices and TD Bank refuses to refund my money. I sent a total of XXXX payments ; XX/XX/XXXX for {$740.00}, XXXX on XX/XX/XXXX ( or XXXX ) for {$830.00}, and another one on XX/XX/XXXX for {$830.00}. I filed a police report in my town and went into the TD store to try to receive help. I filed a reg-E claim with my bank but it was denied because they said " I willingly sent the XXXX payments XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I WAS CHARGED {$1000.00} FOR A TAX AMOUNT AND PENALTY BY MY COUNTY ASSESSOR. {$540.00} WAS FOR THE PENALTY. {$490.00} WAS FOR THE TAX BILL. i ENDED UP PAYING FORTHE ENTIRE AMOUNT. i CONSTANTLY WAS IN TOUCH WITH THE COMPANY THROUGHOUT THE PROCESS REGRARDING WHAT WAS REALLY OWED. FIRST OF ALL THE ASSESSORT SENT IN THE WRONG AMOUNT TO BE PAID, WHICH THEY PROMPTLY DID. FROM THEN ON I CONSTANTLY URGED THE COMPANY TO PAY THE CORRECT AMOUNT. 
THEY DIDN'T. HENCE I WAS CHARGED THE PENALTY. THIS SHOULD BY PAID BY THE COMPANY AND NOT ESCROW. THE REST SHOULD BE PAID OUT OF THE ESCROW ACCOOUNT. 
THE COMPANY ALSO BEGAN CHARGNG MED {$100.00} MORE FOR MY MORTGAGE I HAVE NOT BEEN ABLE TO ACCESS MY RECORDS. THE COMPANY SAID THEY WOULD CALL IT, BUT IT NEVER HAPPENED. i AM VERY UPSET ABOUT THESE EVENTS. AND DISAPPOINTED IN THE COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31 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: GA

Complaint narrative:
I have Fraudulent Accounts on my credit reports for XXXX, XXXX, & Transunion I have disputed these accounts multiple times. 

Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 30 Days Past due amount {$840.00} Fraudulent Account : XXXX  XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$250.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Chargeoff Past due amount {$510.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$290.00} Fraudulent Account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$1600.00}

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 2023-01-31 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: GA

Complaint narrative:
I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 30 Days Past due amount {$840.00} Fraudulent Account : XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$250.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Chargeoff Past due amount {$510.00} Fraudulent Account : XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$290.00} Fraudulent Account : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TX

Complaint narrative:
I am challenging an account that Equifax is reporting on my credit report. I had an agreement with the creditor to delete the account once it was paid. I sent a letter to Equifax last month informing them of this, but my request fell on deaf ears. I do not believe that Equifax started an investigation because they did not put a statement of dispute on my credit report. I do believe that they are ignoring a lot of consumer complaints, and this violates us as consumers and violate many FCRA laws. I will attach the letter that is dated, and time stamped for your reference. I will also attach the account which clearly states that it is paid. I reached out to the creditor, and they informed that no one from Equifax reached out to them to inquire about the account. I am demanding that this account be deleted from my credit report due to the agreement that I had with the creditor and the negligence on behalf of Equifax. Please see the attached documents and remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I made 2 separate {$10000.00} charges to XXXX XXXX XXXX for legal services in XX/XX/XXXX and XX/XX/XXXX of XXXX. Following over 2 months of no communication from this office, in XXXX the attorney informed me they would no longer be able to provide the promised services and my retainer would be refunded. Another month passed and my refund was still not not issued, so I filed a dispute with Chase on XX/XX/XXXX. Chase acknowledged the dispute the next day and requested additional information on XX/XX/XXXX which I promptly provided by XX/XX/XXXX. In the meantime, XXXX XXXX XXXX called and bullied to threaten that if I did not drop the dispute, I would never get my retainer back. 

I then called Chase 3 times between XX/XX/XXXX and XX/XX/XXXX for updates as I had zero communication regarding my dispute following the XX/XX/XXXX notice. I was told that the dispute would be resolved by XX/XX/XXXX. 

I called again XX/XX/XXXX as I had still not received any notice of resolution after over 110 days. I was told over the phone that my dispute was denied and that the {$20000.00} will be reapplied to my credit card balance on the XXXX. I was told by one agent that the reason my dispute was denied was because I was issued a refund by the vendor ( which isn't true ) and another agent said that the vendor was able to provide proof of services ( impossible XXXX XXXX XXXX are the ones who ended the engagement before it began b/c XXXX XXXX lacked the necessary legal skill to take the case ). 

At this point I will be forced to pay chase {$20000.00} for services I never received and they have allowed XXXX XXXX XXXX to bully and steal money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: PA

Complaint narrative:
To Whom this may concern, We have been paying our mortgage payments to ARVEST Mortgage Co. located in XXXX XXXX ArkXXXX 
for the past 15 years or more. In late XXXX we received a notice that Arvest Mortgage was merging with Arvest Bank. Since then we have not received our mortgage statements in the mail, on time, to make the necessary payments on time. We have never been late with a payment! In addition they have attempted to charge late fees for their mistakes which we have called them to handle. Recently after calling them once again they stated they would mail us a statement plus send a statement via e-mail. 
( See attached statement ) In this new statement, once again, they are including a late fee even though we have a 16 day grace period. We then called Customer Service back and asked why the late fee, they kept transferring us from person to person before we could get the late fee removed. The Customer Service Agents we spoke with kept saying they had no idea of what they could do, so they transferred the call to XXXX who was the Lead person on XXXX XXXX, XXXX. She agreed to remove the late fee and e-mail us a statement proving it was removed. Since that discussion with XXXX, we still have not received that e-mail statement for proof. 
Since this is an ongoing problem of not receiving our statements in a timely manner, as has been in the a 15 years, is there anything that can be done to have this situation corrected? 

Thank you for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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 am not liable for this debt with XXXX XXXX XXXX and do not have a contract with any collection agency. They do not provide me with the original application like I asked Proof of copy of original application that includes my signature Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant send proof delete this account from credit report as soon as possible!

Company response to consumer: Closed with explanation