vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-15 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 payment that appears to be missed on XXXX of 2020 is inaccurate and was already forgiven by XXXX XXXX and updated/removed by XXXX  and XXXX  I beg that you update it being that I have good track record. The payment has already been forgiven and is also affecting my ability to obtain more credit and is hurting my financial reputation.

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 2021-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 Follow up. 

Capital has block all use of my debit and credit online. They refused to act swiftly to cance the XXXX hackers when I reported it within 24hrs and they said they could and didnt. They also obstructed evidence I sent by purposely avising me to email the wrong email ( XXXX ) Then they said they will call me in 2-3 this past week when I escalated the denied claims which took them longer than 10business days to sort out and they sent me no provisional credit after I was promised credit on friday the first week in XXXX Now I can no longer call anyone because I dont have a working checking, debit, or credit card all because of capital one misdirection and obstruction. I have fallen ill due to allthis and soon will have to goto hospital for an XXXX  XXXX  overload on myself and my family. I have XXXX  2x this week in my own home with the ac on due to XXXX  from capital one and hurt my head.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: FL

Complaint narrative:
Ive reached out to all three credit bureaus Experian XXXX  and XXXX XXXX Sending letters to request an inaccurate report be taken of my account. Its been over 30 days since I first letters and Ive received no response.

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 2021-08-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, after reviewing my consumer report, I was made aware that Inquires that do not belong to me are on my consumer report : After Finding I Do Not Consent To, Authorize, Nor Benefit From Any Of The Following Inquiries. I also filed an Ftc Identity Theft Report To Have Them Blocked & Removed. 

This report has been sent to Experian over 30 days ago, and the inquires have not been removed. 

This information was sent via certified mail along with a green return receipt. An employee of Experian accepted my dispute package by XXXX XXXX. 

The inquires in question are : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US SMALL BUSINESS ADMIN ODA- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XX/XX/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 2021-08-15 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: AL

Complaint narrative:
Civil liability for willful noncompliance is a civil lawsuit pursuant XXXX5 USC 1681n.

Experian You continue to willfully ignore the Federal laws you violated. I will not stop until I get my remedy. I have sent disputes time and time again and you continue to ignore FEDERAL LAW. I've sent a dispute on XX/XX/21 and XX/XX/21 showing the LAWS you have violated. I also sent proof from the company and you still ignored it while saying verified without any proof which is another violation of FEDERAL LAW 15 U.S.C 1681. Pursuant to 1681 ( c ) ( A ) ( 5 ) any adverse action is to be excluded from consumer reports. As a consumer, I demand that you remove DEPT OF VETERANS AFFAI XXXX off my credit report and never reinsert it again. By not adhering to my rights you are in violation of government law and I will move forward with litigation for damages and willful noncompliance. As a consumer, I have a right to privacy pursuant to 1681a. The affidavit should be answered line by line and if not I will be using the documents for exhibits that will prove you are in violation. This is my right and I will not hesitate to pursue further actions to enforce the protection of my consumer rights if need be. You are not to go to the data furnisher I'm the Orginal Creditor/Natural Person I say what I want to be on my credit report or not. It's my RIGHT to do so. I exercise my right as a consumer and tell you to remove DEPT OF VETERANS AFFAI XXXX off my report. I'm not asking, I'm demanding!! Don't tell me to send you any extra documents or that you have to check with the creditor, it doesn't matter. You are violating Federal Law by furnishing my personal information without my consent. That's called identity theft, and those are criminal ACTIONS!!

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 2021-08-15 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Credit card company, Capital One , Inc. allowed its partner, XXXX XXXX XXXX XXXX to steal {$2400.00} from my credit card and {$2100.00} from my adult daughter 's credit card, on separate occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: NC

Complaint narrative:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Sunrise Credit Services placed on my credit report a collections account on XX/XX/2021 for XXXX $ with no indication of what its for or where it came from. I've already disputed this on two separate occasions and it keeps returning and seriously damaging my credit. The original creditor is XXXX XXXX XXXX XXXX which upon further research is a scam service.

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 2021-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
In XX/XX/2020, I was scheduled to close a refinance with another lender, servicer. 

Mr cooper services my current mortgage. Upon notification of my close they stated to my closing agent, they need a month to process my documents. 

One month later, they reported they lost my stock certificate and lease and need another month to complete an affidavit. 

Once that was done, in XX/XX/2020, I no longer qualified due to more stringent credit requirements that XXXX XXXX, the holder of my note, had, due to covid. 

In XXXX and even as late as XXXX I was able to close had Mr. Cooper completed their responsibilities. 

I have had to continue paying a higher interest rate and {$300.00} more per month since this occurred. 

I have asked Mr Cooper on three distinct occasions since XXXX to account for their actions and how they plan to remediate my losses due to their negligence and they will not answer me. 

Their attorneys, XXXX XXXX also refuse to answer. They are stonewalling me on purpose. I have received lip service from their consumer affairs dept and no follow up. They have violated their own statements on three consecutive requests for information that it will take them 20 to 25 business days to respond, which they never completed, nor followed up formally.

I'm going to file a lawsuit against them and their attorneys and file with Tx and IL at XXXX, and XXXX the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: GA

Complaint narrative:
I want to file a complaint with your office about gift card fraud and identity theft, where I lost {$160.00} after register my card online. 

I brought the gift card from XXXX for {$200.00} and received it on XX/XX/2021. I register at XXXX that was back on the card ; after entering the web address, it directed me to XXXX, and later found it was a fake website and stole my money on XX/XX/2021. 

I called the number XXXX on the back of the card on XX/XX/2021, and the customer service representative said that I end up going to a fake website after I enter the actual website on the back of the card. I was unable to login into the website site, I have enclosed a copy of the transaction history that company sent me via email. 


I only use the card at XXXX on XX/XX/2021 and XXXX  on XX/XX/2021 is when I notice that just {$3.00} was on it. 



My account number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IL

Complaint narrative:
I have been working tirelessly to improve my credit and provide a better living situation for me and my children, despite having difficulties with collection agencies reporting false information to credit bureaus. Collection agency IQ DATA INTERNATIONAL has been falsely reporting to XXXX credit bureau since XX/XX/XXXX. My credit report states that my balance owed is {$16000.00} and that my original balance is XXXX. The balance amount constantly increasing. The original creditor is XXXX XXXX XXXX XXXX which is the name stated on the lease signed. Apparently they are going by multiple names because the name mentioned on court documentsXXXX XXXXXXXX XXXX XXXX, is not the company I signed my lease with. 
I signed a rental agreement on XX/XX/XXXX with XXXX XXXX XXXX XXXX. I moved in a week later because I was told the building management had to move some else furniture into my apartment temporarily because the person 's apartment was not ready yet and they had nowhere to put their belongings. I was never compensated for this like I was told. This account is reporting the wrong balance owed. I have court documentation giving to me at court on XX/XX/XXXX stating that I owed {$3500.00} plus {$310.00} in attorney fees. As stated in a document I signed on XX/XX/XXXX I agreed to leave the apartment by XX/XX/XXXX, and I vacated as agreed. I also included this agreement signed on XX/XX/XXXX, a copy of the first and last page of my lease showing the {$1500.00} amount I paid for a security deposit that was not returned to me, and my balance was not adjusted to show it was applied to the amount I owed, and I also included with these documents to XXXX Credit bureau and IQ DATA International a copy of the cashiers check I paid to XXXX XXXX XXXX XXXXXXXX ( the original creditor ) towards my security deposit. The amount reported is again incorrect and this account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: Conn's, Inc.
State: TX

Complaint narrative:
In XXXX of this year I applied for credit with Conn 's a week are two later I received a call from a lady name XXXX telling me I had been approved for XXXX. I told her I'd come in that following weekend AndWhen I did make arrangements to go in I called XXXX from outside to make sure she was correct about what she had told me bout the credit amount for me. She assured me it was correct. When I got inside she greeted me and told me to look around. I finally chose a freezer which was XXXX she went to check her numbers I was just trying to establish a credit line.When she returned she told me the credit line would be from someone else in the store Preferred lease but nothing about a change in price are anything.They tried to go up on what I had decided to get but I didn't. Now after in being XXXX  in XXXX and being late with my payment I find out that are charging me {$940.00} for the freeze.I have the invoice I was given say 's chest freezer XXXX and XXXX deliver.Now I see they're on my credit report for XXXX. So not fair. Help me please Im on a fixed income and I never would have gotten this I could have bought a freezer for XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I had a Victoria secret credit card/Comenity bank. I paid the loan completely off XX/XX/2021, the account on my credit report is stating 8 late payments on XXXX XXXX report, 7 late payments on XXXX  and 7 late payments on XXXX  report which are all false inaccuracies I was never late. I contacted Comenity bank and the credit bureau and I cant get any help updating the inaccurate late payments which are damaging my credit score and making me unable to purchase a home. Please help me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Today XX/XX/15 I made several attempts online to freeze my credit with Experian. I only received a generic message saying we can not freeze your credit with no explanation. But I was encouraged to file for a fraud alert instead I then called ( XXXX ). and got the same spiel about I should request a fraud alert vs a freeze this was a robot message that said I cant help you call another day and hung up. Considering that I was able to add a freeze to the other two reporting agencies I think it is suspect and cruel that Experian can dupe people into thinking they can freeze their account only so they can sell them other services or perhaps it to beat the other two reporting agencies by being able to sell the info frozen on their sites. Experian are thieves and need to be stopped

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 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
portfolio recovery associates {$2600.00} i have never done business with this 3rd party and they continue to report past due for 3 years causing much injury to my credit report and livlihood, they have no right to create a debt from an unknown source i have not had credit with in 2018 as showing reported. 

my social security number is not linked to that initial account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: Rocket Mortgage, LLC
State: MD

Complaint narrative:
An inquiry was made on my credit on XX/XX/2021. The report number is XXXX. I was browsing homes to purchase on XXXX. I submitted an inquiry to see a property I was interested in. I immediately received a call from an agent at Rocket Mortgage. He wanted to get some preliminary information to see if I would qualify. I told him that I was still browsing, and that I was not quite ready to proceed with that process. I had just got a job that I have yet to start, and I also had some other things I was trying to get in order. I further told him that I was looking to purchase within the next three months or so. He convinced me to give him some of the preliminary information. XXXX  immediately decreased my credit 14 points. My score went from XXXX to XXXX instantly for me trying to look for a better home for me and my two children. I am a single dad, and it had been challenging to try to provide for my children. We have been throwing money away for so many years renting, and I want nothing more than to give them a piece of this " so called '' American dream, by purchasing something we can call our own. XXXX  is the only credit agency I have been consistently having problems with, as hard as I work to get and keep my score up. My credit score is XXXX with XXXX  and XXXX with XXXX, and they both blocked the inquiry without charging like XXXX  does. XXXX  is overly obtrusive, and disregards consumer 's privacy. They make it extremely difficult for people, particularly certain socioeconomic groups to get ahead. Please do something to regulate the practices of XXXX, and help me to restore my credit score. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2021, I received an email from PayPal with the subject line " You can no longer use PayPal. ( Ref ID - XXXX ) ''. Basically, the email stated that PayPal had identified certain risk factors with my account such that it could no longer do business with me. At that point ( and as of today, XX/XX/2021 XXXX, I had a balance in my account of {$1500.00}, funds received from clients for whom I do hourly work and that I used to make regular routine purchases for my cat supplies, XXXX XXXX XXXX account and various other sundry purchases. 

PayPal further announced that it had no obligation to explain the specific reasons for its steps and that it would hold my funds for 180 days and then notify me by email on how to transfer my funds. I immediately tried to transfer the funds on my account XXXX {$1500.00} XXXX to my linked XXXX XXXX checking account only to be asked to contact PayPal 's customer support. Attempts to contact their customer support department proved fruitless and I received no direct response from them in response to my demand for the immediate transfer of the funds on my account. 

My subsequent complaint to the XXXX XXXX XXXX about this practice was replied to by PayPal on or about XX/XX/2021 wherein PayPal basically restated what it had already told me and made no further efforts to resolve the dispute. 

I replied to the XXXX XXXX XXXX that, as far as I was concerned, the case was not resolved and that I would be contacting you for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX {$2600.00} i have never done business with this 3rd party and they continue to report past due for 3 years causing much injury to my credit report and livlihood, they have no right to create a debt from an unknown source i have not had credit with in 2018 as showing reported. 

my social security number is not linked to that initial account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
I have advised this company that this debt is not owed, however, they have place this on my credit report for the second time. I have shown proof of such, which was ignored. Due to the fact that the dates are incorrect as well as the balance on my credit report my next step will be to file suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation