vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 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: GA

Complaint narrative:
On XXXX, Transunion mailed the result of an ongoing investigation regarding some negative accounts on my report. As seen from the attached exhibit, they mentions XXXX XXXX XXXX XXXX XXXX  XXXX was verified. i demand to see a full disclosure, audit, and paper trial of this investigation.

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 2022-02-17 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: CA

Complaint narrative:
I am XXXX XXXX XXXX, consumer and natural living person submitting this complaint with no third party involved. 

Equifax, specifically Equifax 's secretary XXXX XXXX XXXX XXXX committed fraud on my consumer report. I did not consent, benefit, nor authorize these accounts on my consumer report and XXXX XXXX XXXX XXXX has failed to provide documentation proving otherwise in the time allotted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SIMMONS FIRST NATIONAL CORPORATION
State: NV

Complaint narrative:
I was contacted by Simmons Bank about refi. I informed the gentleman that I did not want to run my credit until he looked at our income and knew it would work. He said to send him a paystub and he would look at it. He replied and said the income will work. I told him to go ahead and move forward. After appraisal and pulling credit, the underwriter said the income would not work based on paystub and prior w2. If I would have known this upfront I would not have approved credit pull. Totally mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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 2022-02-17 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 2022-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I purchased window decals from XXXX for the amount of {$210.00}. When I received the decals they were not the way that I ordered them, I ordered them inside window ( I have attached an email that I sent to their design team to that effect ) I am not able to use them because they were sent as standard ( outside window ). That means I would have to place them on the outside of my window and they could be easily taken down by anyone walking by my office window. In front of my office is a bus stop where people stand waiting for the City bus. I would not order window decals for outside windows. I tried to fix the problem with XXXX but they have been uncooperative. I asked to have the decals redone. It was difficult to contact XXXX by phone so communicate was done via email. The Representatives werent helpful and really wasnt interested in resolving the problem. Signs.com have my money and I have an unusable product. I have since been informed by XXXX that it is too late to replace the signs. Thanks to Capital One, XXXX has my money and I have nothing usable. This is my six complaint. Capital One gives me refunds and after the complaint is closed they add the charge back to my card. Its like fraud to me. And they are siding with XXXX instead of the customer. The product that I received was printed on the wrong side and I cant use it. I will submit a complaint every other day until my money is refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Consumer Financial Protection 1700 G Street NW Washington, DC 20006. 


ATTN : DISPUTE/CLIENTN RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2021 Recently, I, XXXX XXXX XXXX was closed out of my relationship with two CAPITAL ONE credit cards. Accounts ending in XXXX and XXXX. 

AS you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim in adverse action against a consumer. Pursuant 15 U.S Coode 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). CAPITAL ONE has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2021 is both proof and evidence that I have been discriminated against, you are also criminally liable. Capital One should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 



Best, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
We got a bill for an annual fee for Citi Advantage card that we no longer used so we closed account. We have all our cc on paperless and pay in full monthly. So we saw a debit to our bank account for {$99.00} in XX/XX/XXXX and did not know what it was. So we contacted our bank XXXX and they said it was from Citi. We contacted Citi and using both my SS number and my wife 's they could not see any account in our name that we paid {$99.00} for. So XXXX returned this to our checking account. 
Three months later I received a collection letter for {$210.00}, with no mention for what. I found out after hours of calls it was from Citi. 
We have sent Citi a letter with supporting documentation of our bank account showing the charge and credit back in XX/XX/XXXX. 
We have received 2 notices confirming receipt of dispute on XX/XX/XXXX and XX/XX/XXXX. We still are getting monthly statements for this with interest so now it shows us owing {$210.00}. 
When I call the phone number on the dispute confirmation they tell me they can not find the account. 
Very frustrating since our XXXX score has always been over XXXX and we pay CITI over {$30000.00} per year on our Costco Visa. 
PLEASE HELP!

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 2022-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
Follow up to Caliber Home loans complaint filed on XXXX Documents to support my in initial complaint. 
1. Letter from Caliber detailing my approval for forbearance deferral and increased mortgage amount and payment date. 
2. Proof of full increased mortgage payment and date from XXXXXXXX XXXX which caliber claims I did not make or they put it towards the forbearance amount. 
3. Letter from XXXX  XXXX XXXX closing my CC because of Caliber 's atrocious Credit Bureaus Reporting against me. 
4.Letter from Caliber demanding {$36000.00} on XXXX or face foreclosure. 
THIS IS WHAT I AM CURRENTLY FACING WITH CALIBER HOME LOANS AFTER BEING IN AN APPROVED FORBEARANCE PLAN AND PAID MY FULL INCREASED MORTGAGE MONTHLY PAYMENT AS REQUIRED ON XXXX WHICH CALIBER APPROVED AND ACCEPTED.!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020

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 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2022, I paid a final payment of {$48.00} to the original creditor.

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 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma, LLC
State: TN

Complaint narrative:
I opened a checking account with Credit Karma in XXXX. At the time, they had a promotion whereby I would earn a {$150.00} bonus if I received a direct deposit by XX/XX/XXXX. The bonus was supposed to be paid out by XX/XX/XXXX. I received a direct deposit from my employer on XX/XX/XXXX, and when I did not receive the bonus, I inquired with Credit Karma. On XX/XX/XXXX, I was told that I had been added to the recipient list and would receive the bonus within 7 to 14 business days. When that time had elapsed, I again inquired about the bonus. This time, I was referred to a different promotion that required me to file my taxes through XXXX and receive my refund with Credit Karma via direct deposit. It would also not pay out until XXXX. Even after explaining to the representatives that this was not the promotion I signed up for ( and providing a screenshot ( twice ) of the offer ), they refused to do anything. 

I have attached a screenshot of the promotion, my bank account showing the direct deposit on XX/XX/XXXX, and the XX/XX/XXXX13 email from Credit Karma stating that I was being added to the recipient list.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XXXX XXXX I requested a cash out rollover of my XXXX XXXX  through Merrill edge. They insisted I had to wait for a check to come through the postal service. The check arrived 7 days later and was payable to my house. To my house! Not to me! Obviously I could not use the check. I called Merrill edge and I had to wait XXXX minutes for help and all Merrill could do was tell me all of the steps I had to take to fix their mistake. I did everything they asked. They told me the funds would be available to wire to my account on XXXX XXXX and said they would wire the funds that day. It is now XXXX on XXXX XXXX and there is no sign of the funds in the account and the service reps are saying the money will supposedly be available tomorrow l, the XXXX. They keep speaking of XXXX managers working on the case to get the funds available to fix their mistake, but the managers never make the funds available and they keep pushing the date for the funds further away and telling me to just wait and trust them that the funds which were going to be available today will be available tomorrow. There is no basis or explanation for delays. Just telling me it takes time to move funds from the check payable to my house back into my account. After an hour on the phone on XXXX XXXX a XXXX manager told me the request to return my funds was never processed until XXXX on XXXX XXXX and my money would not be available until after XXXX on XXXX XXXX but he had no way to confirm that and just wanted me to depend on them to monitor the account again tomorrow and call me when the funds arrive. So no help from the XXXX  managers. Only solution they present is for me to trust the company that sent a check made payable to my house. To my house. More than a week lost because they wrote a check to my house. No answers except to trust them not to XXXX it up again.

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 2022-02-17 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: GA

Complaint narrative:
On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-02-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: MS

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-02-17 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: MS

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
1 ) Chase Bank is arbitrarily picking and choosing selected transactions to put in dispute with merchants instead of reviewing, analyzing and working to resolve the SPECIFIC transactions that I, the Customer, has identified. What gives them the right to arbitrarily contact merchants tied to my account? 2 ) Chase sent me a rude letter stated we agreed on things that we didn't and basically their doing their own thing, case closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
CHILD IS NOT A REVOLVING OR AN INSTALLMENT DEBT. CHILD SUPPORT DOES NOT ISSUE CREDIT CARDS OR LINES OF CREDIT, THEREFORE IT CAN NOT BE A REVOLVING DEBT. CHILD SUPPORT HAS NEVER GIVEN ME A LOAN. CHILD SUPPORT IS NOT AN INSTALLMENT DEBT. CHILD SUPPORT HAS NEVER ISSUED TO ME ANY CREDIT, THEREFORE HOW CAN THE DIVISION OF FAMILY SERVICES HAVE A LIEN ON MY SOCIAL SECURITY NUMBER. MY CHILD 'S MOTHER HAS NEVER AGREE TO HAVE ME IN BONDAGE TO THE DIVISION OF FAMILY SERVICES. THIS IS UNLAWFUL AND IS TOTALLY AGAINST THE FEDERAL TRADE COMISSION. I ASK SOMTHING BE DONE ABOUT THIS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XXXX of XXXX I made over a {$2000.00} payment to this credit card, specifying that it was to pay off promotional purchases that were about to expire, or had already, to avoid massive interest added to the card balance. 

Immediately following that payment, they lowered my credit limit from {$3200.00} to {$850.00}, completely wiping out any credit gain I could have made by lowering my credit usage, and actually damaging it further. This was the 2nd time they had lowered my credit limit in XXXX, despite being a loyal customer for 12 years. 

On XX/XX/XXXX, I received an email stating my account had been closed. It turns out they still charged me the compounded interest on one of the promotional purchases, despite the payment on those sent in XX/XX/XXXX. The interest made my balance jump to over {$1500.00} with a credit limit of only {$850.00}. After canceling the account, it went to {$1500.00} over 0. 

This has devastated my credit rating which I had been working very hard to improve after going through payment problems during the covid shutdowns. 

When trying to work this out with the issuer, the only thing they would tell me is that something on my credit report had caused them to cancel the account. The item on my credit report, was THIS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have many synchrony bank issued cards and they closed every 1 of them..I have always paid on time and more than minimum due. I have good credit and decent scores and I disagree with them doing this to me. I want my cards opened back up because this is unfair to a credit worthy consumer and I also make over 100k yr and have no troubles paying my accounts..none of them even with other creditors..I want something done to make this right.

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