vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The US Dept of Education is reporting false information on all 3 credit bureaus - they put on XXXX that i had a XXXX loan that the alleged account was opened on XXXX XXXX, XXXX, then on Experian and XXXX they claim the account was opened on XX/XX/XXXX. I told all 3 credit bureaus that this is IMPOSSIBLE. I went to college in XXXX to XXXX and left college after that - that is when this alleged XXXX loan would be from. therefore, the first date of delinquence would be in XXXX and thus, this is way to old to be on my account. 
The XXXX false reporting i already have a lawsuit filed in the US District Court of XXXX XXXX Case No. XXXX. 
On Experian and XXXX- the false reporting did not happen until after i already filed the lawsuit against XXXXUS Dept of Ed . I showed both Experian and XXXX that case and also the fact that the US Dept of Ed is simply making up dates as they choose as i did not get any loans in XXXX, XXXX and the fact it is much different dates between the 3 credit bureaus should show any normal person with 1/2 a brain that something is not right but they have not done any real investigation into the accuracy of the reporting in violation of the FCRA XXXX 
I am also aware of the lawsuit filed by the CFPB against XXXX and their transgressions and i also am aware this is not the 1st time these credit bureaus have been sued for similar situations. 
This is absurd that i am going to have to file another lawsuit vs. the US Dept of Ed and also name Experian and XXXX in the 2nd lawsuit. 
FYI- I also showed Experian that back in XXXX the US Dept of Ed attempted the false reporting on this alleged debt and back then it was removed from Experian but yet now all 3 are reporting this false information on an account that is too old to be on my credit. I am filing this complaint so that you notify all 3 credit bureaus as well as the Dept of Education of these transgressions and they all need to remove this false reporting from my 3 credit bureaus or there will be a 2nd lawsuit filed.

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 2022-09-15 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XX/XX/2022 My account was frozen by the company because a check was returned. When the company froze my accounts, they also closed my access to pay my credit card online. I am XXXX XXXX XXXX and have no access to get to a Navy Federal. So I asked for the company to close my account in XX/XX/2022 since my credit was being destroyed for no access and no option to pay but in a branch. The credit card account I asked to close was a secured credit card that I paid in advance {$500.00} to hold in a savings account. I asked the company to use the savings account to pay the balance of the secured card and close the account so I am no longer affected, however, the company left the balance on my card, My savings account is still open with an active {$500.00} balance, and my credit is being destroyed. On XXXX XXXX, 2022, I received a report my account is XXXX days past due when in fact I thought the company rectified the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: DISCOVER BANK
State: GA

Complaint narrative:
I have tried so many times to pay this credit card and everytime they add to what I owe. I have been paying them consistently enough to cover my interest and they add extra fees for no reason. This is the second time Ive had this issue with them. I want to pay them off but Im afraid they will claim my money was not in the bank and then im out {$1500.00} because they dont want to give my money back but wont put the correct balance on the account. If this complaint isnt taken seriously, I will be going to the Better Business Bureau and if it still isnt taken seriously, then further action will have to be taken. 

I will include the dates and amounts that I can and the rest I will show documented screenshots from my account. 

I had paid my account down to {$1400.00} and now they pushed it back up to XXXX. Apparently it was at XXXX but I pay consistently so they took it down. Either way the balance is incorrect. 

XX/XX/22 {$16.00} XX/XX/22 {$18.00} XX/XX/22 {$7.00} XX/XX/22 {$20.00} XX/XX/22 {$37.00} XX/XX/22 {$26.00} XX/XX/22 {$56.00} I included another document of a payment I made to them of {$100.00} ( when I created my first complaint on this site ) and more money in the past that Ive paid to them between them and now that they claim was sent back to my bank or that it was never in my account but it definitely posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/ 2022, I received an email from Capitol One that my XX/XX/XXXX payment had been returned due to my account being closed. I was unaware that an old payment account was still attached to my account, and discovered there is no way to remove it unless you call. I logged into my Capitol One account online and saw that the payment was returned XX/XX/XXXX. My credit card payment is due XX/XX/XXXX. I wasn't notified that my payment was returned until XX/XX/XXXX, and was charged a late fee and a late payment would be reported to credit agencies. To re-iterate, Capitol One received information from my previous bank that payment would not be made, and my payment was returned on XX/XX/XXXX ; I was notified of this occurrence two days later, one day after my payment due date. I was essentially duped into a late payment because Capitol One neglected to tell me my payment was returned for two days, until after my payment was due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-09-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank allowed the passport agency of the US Department of State to cash the same check twice. Check number XXXX in the amount of {$130.00} was cashed twice on XX/XX/2022 and XX/XX/2022. 

I submitted a passport application to the passport agency in early XXXX this year but got returned due to the passport photo containing glasses. They cashed the check despite not processing my application. Then I submitted the same application with the correct photo without a check but they cashed the same check a second time.

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 monetary relief
Consumer complaint received 2022-09-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've reviewed my credit report. After requesting validation, It occurred that this item had not been verified with accuracy and completeness, as required by FCRA. I contacted XXXX : XXXX XXXX XXXX XXXX, asking to verify payment in full; was received in the amount of {$280.00} on XX/XX/XXXX ; in exchange for removal. However, this account is inaccurately reported as a closed and paid collection account. I spoke with XXXX from XXXX on XX/XX/XXXX, approx. XXXX XXXX. She stated they were not a collection agency, but a guarantor. However, my credit report is reporting as a collection account ( Please see attached ). 
This collection account exceeds the statute of limitation, is reported without my consent and is being reported against my right to privacy. It also violates my right to privacy, according to the Fair Credit Reporting Act. I, the consumer have the right to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with FCRA. This account must be discontinued from reporting and deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: TX

Complaint narrative:
I've reviewed my credit report. After requesting validation, It occurred that this item had not been verified with accuracy and completeness, as required by FCRA. I contacted XXXX : XXXX XXXX XXXX XXXX, asking to verify payment in full; was received in the amount of {$280.00} on XX/XX/XXXX ; in exchange for removal. However, this account is inaccurately reported as a closed and paid collection account. I spoke with XXXX from XXXX on XX/XX/XXXX, approx. XXXX XXXX. She stated they were not a collection agency, but a guarantor. However, my credit report is reporting as a collection account ( Please see attached ). 
This collection account exceeds the statute of limitation, is reported without my consent and is being reported against my right to privacy. It also violates my right to privacy, according to the Fair Credit Reporting Act. I, the consumer have the right to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with FCRA. This account must be discontinued from reporting and 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 explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TOLL BROTHERS INC
State: CA

Complaint narrative:
On XXXX XXXX, 2022, my husband and I had a call with our loan officer at Toll Brothers Mortgage Company to lock our rate. One this call, we mentioned that we were interested in buying points to lower the interest rate. The loan officer specifically said to wait until AFTER the float down period, which is between 45 and 10 days before closing, to buy points to lower our interest rate. Our closing date is set for XXXX XXXX, 2022, so we are currently in the closing period. When we asked about buying down points, the loan officer responded that the loan is finalized and we can no longer buy points at this time. There is no response on when we should have requested points and no response about speaking to someone higher up. We would've gone with a completely different type of loan ( ARM instead of XXXX fixed ) with a lower interest rate if we had known we couldn't lower the rate. It was significantly harder to qualify for the XXXX fixed and we had to increase our down payment by {$90000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX, XXXX date of letter XX/XX/22, I received a letter from Target indicating that my credit card application was denied because I had a credit freeze in effect ( I do. ) I DO NOT Have a Target credit card nor did I apply for one- someone DID APPLY in my name. 

XXXX XXXX  notified XX/XX/22 of data breach XXXX. of my name and social. Prior identity theft detected by XXXX XXXX XXXXXXXX XX/XX/22 and and was notified XX/XX/22. 

XX/XX/22 Requested credit freeze fraud alert to 3 bureaus and Fraud alert to FTC XX/XX/22. 

Called Target XX/XX/22 Application ID : XXXX. 
Target confirmed the identity theft has my name, address, home phone number, social security number. Fraud indicated on my driver 's license and an email account.

Target advised reporting to FTC which I tried to do and was directed to this site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
* 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 explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX  credit card, Comenity bank. I called to close the account on XXXX/XXXX/22. I paid off the less than {$10.00} balance at the same time, meaning the account should have been completely closed. That was over a month ago, and the card still shows active on the company 's website. It still shows a credit limit and an available credit amount. It also shows a XXXX credit because they overcharged me when I paid off the card. I've since called back twice to again demand they close the account. Each time, they refuse to let me speak with a supervisor and assure me the account is closed. They ignore my questions about why the website shows the card is still open. I'm still getting " your statement is ready '' emails. Out of curiosity, I clicked on the " request a credit limit increase '' on the site, to see if *that* would show the card closed, but it actually says I currently have an active request for a credit increase. I closed the card because this bank is sneaky about when and how it posts things like finance charges, manipulating things so they can add late fees ( they post the finance charge to the account *after* you pay the balance off, so you have a {$1.00} balance you didn't know about then they hit you with a late fee the next month on that {$1.00} balance you didn't know you had. ) I can't keep checking this card every month just in case they sneak a charge onto it that will cause me fees and hurt my credit. I need them to actually close this account -- they can not legally force a person to keep a credit card with a zero balance open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: T.S. Holdings
State: FL

Complaint narrative:
Date : Thursday XX/XX/2022 Time : XXXX EST Duration : XXXX Minutes Company : XXXX. Data Number Called : XXXX Details : My phone call started with an IQ Data representative -- can't recall her name, but she was very nice and professional. She presented XXXX payment options : the first was to pay in full ( {$5800.00} ), and then they would remove the account from reporting ; the second was to pay 80 % of the debt ( {$4600.00} ) and it would show as a paid settlement. I informed her that neither of these worked for me right now due to my current financial, unfortunately, so I would just have to ride it out and see if my financial flexibility improved. She said she understood and suggested that I speak to her manager, as they might be able to present a better option. I was then connected to XXXX XXXX, who was quite rude and very aggressive. Once again, he presented the same two options : pay in full, or pay 80 %. The option I presented to them, paying about 40 % of the debt, did not work for them, so I said I understood that 'they had to do what they had to do ' -- meaning they had to stick with their offer and not accept a reduced offer. However, Mr. XXXX replied quite rudely and asked me 'do you really want me to do what I have to do? This will get ugly and cost you a lot more money when we take you to court or put a lien against your income. You just provided updated information to us about your address, income, etc ... .so now we have all the information we need to 'do what we have to do '. I told him I had about $ XXXX that I could pay today to resolve the account. He asked 'Where 'd you get that money? If you saved up that money once, I don't see why you can't save up the rest '. I flat out told him he was being rude and making grand assumptions about my financial standing. Seeing that we could not come to a resolution, we ended the call shortly after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
What happened? 
Fraudulent activity on credit card ending in XXXX - Many attempts to resolve this issues- so many calls and two packets of information that were sent to Barclays. Managers do not return calls - the representatives keep stating it will be 10 days to resolve. It has now been almost 6 months and Barclays has admitted responsibility. 
Notified Barclays, submitted all supporting documents and followed up per the request of Barclays After of period of 5 months, they have still not resolved the issue. 

Company Name : Barclays XXXX XXXX XXXX XXXX, Delaware XXXX XXXX Action : Barclays Response XX/XX/2022 Internal team at XXXX began XXXX error in credit card statements XX/XX/2022 Internal investigation on-going XX/XX/2022 Called Barclays Barclays provided steps to submit claim XX/XX/2022 Received confirmation that packet was received XX/XX/2022 Called XXXX for status update XX/XX/2022 Received notice stating that we would receive full credit except for XXXX charges XX/XX/2022 Received payment of {$73000.00} XX/XX/XXXX Called Barclay for status update XX/XX/2022 Called Barclay for status update XX/XX/2022 Received notification stating investigation is still pending XX/XX/2022 Called Barclay for status update XX/XX/2022 Received notification stating investigation is still pending XX/XX/2022 Called Barclay for status update XX/XX/2022 Called Barclay for status update XX/XX/2022 Called Barclay for status update Sent another packet of past What amount : {$170000.00} What would be a fair resolution? To refund all monies that are deemed fraudulent What have we done to try to resolve the issue? - Multiple calls and letters were sent to the Barclays investigation department. This has been very upsetting.

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 2022-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I have written to Cavalry Portfolio Services LLC on three separate occasions asking them to verify the debt account they have purchased from XXXX. In all three cases they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: GA

Complaint narrative:
I have two accounts on my credit report that are fraud, I need these accounts to be removed and deleted XXXX XXXX XXXX XXXX credit card, XXXX credit card, someone has used my information to open these accounts, I do not recognize thee accounts, Im filing this complaint to have these fraudulent accounts deleted from my credit report, my information social security number and drivers license number was compromised, please no fraud alerts to be added, no fraud alert please delete these accounts Im asking for these accounts removed thank you .the only two accounts to be removed for now is XXXX XXXX XXXX XXXX credit card and XXXX  credit card,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief