vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I submitted an application for credit, done in good faith. The company denied me access to my unlimited credit, using reasons from a credit reporting agencies, which are irrelevant regarding consumer transactions. Those reasons are hearsay, discriminatory and do not negate the fact that the consumer has access to unlimited credit. The company can be liable under the Truth in Lending Act.

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 2023-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX when I lived in Arizona I had a Mervyns credit card account that unfortunately I wasn't able to pay because I lost my job my house and my mother had passed away in XXXX. I had to move out of state to seek a better future since I was a single parent with XXXX kids. I moved to California and have been here for the last 17 years. I'm getting served with courts documents from what I believe is a 3rd party office claiming to be from Mervyns stating I am being sued for over XXXX that I supposedly owe Mervyns when in fact I owed about XXXX to XXXX dollars. It's been about 21 years since I had this account. Is this even possible?? I need help please I can't pay over XXXX. I'm a single parent with a special needs child whom I take care of all by myself. What can I do to stop these people from placing a judgment on me??

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 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing a complaint against " XXXX '' and " Experian ''. I submitted an identify theft complaint against a company called XXXX XXXX and was assisgned a case manager name XXXX in the Identity theft resolution department. I was provided an email to reach him at ( XXXX ) and his direct number XXXX ext : XXXX. I have called him and left over 6 voicemails and I have emailed him over 7 times with my police report as well as other supporting documentation and I have never heard back from him. Today I got notification that my case was closed without any explanation. I need a supervisor to look into this. I have also called several times requesting a supervisor. My case number that Experian gave me is 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 explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
When I took out the loan, I was told the PMI would be dropped when I had enough equity in my home. I have met the requirements for removal of PMI and rocket mortgage refuses to drop the PMI, unless I pay {$190.00} to have an inspection. I originally paid XXXX XXXX  for the home, and financed XXXX. The balance on the loan now is XXXX XXXX The value of my home has increased in the XXXX range. Even if that were not so, the current balance of my loan XXXX XXXX meets the requirements to drop the PMI and I should not have to pay a fee. 
Please help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Earlier this year, XXXX XXXX accepted and deposited my XXXX mortgage payment on XX/XX/2023 ( XX/XX/23 ). They then reported that payment ( which was already withdrawn from my account by them ) as late because the escrow amount had gone up by {$67.00} between my XXXX statement and my XXXX statement. 

When I discovered the discrepancy, I immediately paid the remaining {$67.00}. That was on XX/XX/XXXX, only 28 days after my XXXX mortgage payment was due. 

XXXX XXXX has marked my payment history with a " 30 days overdue '' remark, which is incorrect, because XXXX only has 28 days. However, they insist on reporting my payment as late because they follow a policy of payments being late because of the month, not the actual number of days ( XX/XX/2023/XX/XX/2023 ). 

My payment was not 30 days overdue and my credit report has an error on it due to how XXXX XXXX chooses to report. 

I can provide documents from my bank and from XXXX XXXX which show my timely payments. The property in question is : XXXX XXXX XXXX, XXXX, PA XXXX. 

I would like the late payment notification on my credit report to be removed immediately, as this is a dishonest and inaccurate portrayal of my payment history with XXXX XXXX and is adversely affecting my credit score. 

Please call me or email ( information below ) if you need any additional information to update and correct my credit history. 

Thank you, XXXX XXXX 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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Earlier this year, XXXX XXXX accepted and deposited my XXXX mortgage payment on XX/XX/2023 ( XX/XX/23 ). They then reported that payment ( which was already withdrawn from my account by them ) as late because the escrow amount had gone up by {$67.00} between my XXXX statement and my XXXX statement. 

When I discovered the discrepancy, I immediately paid the remaining {$67.00}. That was on XX/XX/XXXX, only 28 days after my XXXX mortgage payment was due. 

XXXX XXXX  has marked my payment history with a " 30 days overdue '' remark, which is incorrect, because XXXX only has 28 days. However, they insist on reporting my payment as late because they follow a policy of payments being late because of the month, not the actual number of days ( XX/XX/2023/XX/XX/2023 ). 

My payment was not 30 days overdue and my credit report has an error on it due to how XXXX XXXX chooses to report. 

I can provide documents from my bank and from XXXX XXXX which show my timely payments. The property in question is : XXXX XXXX XXXX, XXXX, PA XXXX. 

I would like the late payment notification on my credit report to be removed immediately, as this is a dishonest and inaccurate portrayal of my payment history with XXXX XXXX and is adversely affecting my credit score. 

Please call me or email ( information below ) if you need any additional information to update and correct my credit history. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Earlier this year, XXXX XXXX accepted and deposited my XXXX mortgage payment on XX/XX/2023 ( XX/XX/23 ). They then reported that payment ( which was already withdrawn from my account by them ) as late because the escrow amount had gone up by {$67.00} between my XXXX statement and my XXXX statement. 

When I discovered the discrepancy, I immediately paid the remaining {$67.00}. That was on XX/XX/XXXX, only 28 days after my XXXX mortgage payment was due. 

XXXX XXXX has marked my payment history with a " 30 days overdue '' remark, which is incorrect, because XXXX only has 28 days. However, they insist on reporting my payment as late because they follow a policy of payments being late because of the month, not the actual number of days ( XX/XX/2023/XX/XX/2023 ). 

My payment was not 30 days overdue and my credit report has an error on it due to how XXXX XXXX chooses to report. 

I can provide documents from my bank and from XXXX XXXX which show my timely payments. The property in question is : XXXX XXXX XXXX, XXXX, PA XXXX. 

I would like the late payment notification on my credit report to be removed immediately, as this is a dishonest and inaccurate portrayal of my payment history with XXXX XXXX and is adversely affecting my credit score. 

Please call me or email ( information below ) if you need any additional information to update and correct my credit history. 

Thank you, XXXX XXXX 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 explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have made multiple disputes to have a bankruptcy file from XXXX removed from my credit report. The 4 credit bureaus/ reporting agencies , XXXX , XXXX , Trans Union , and XXXX XXXX XXXX all have reported this information : XXXX XXXX  XXXX XXXX : CASE ID # XXXX Address : XXXX XXXX XXXX XXXX XXXX , IN XXXX Phone : XXXX Type : :XXXX  XXXX BANKRUPTCY DISCHARGED Date Updated : XX/XX/XXXX Date Filed : XX/XX/XXXX Court Type : US Bankruptcy Court Date Updated : XX/XX/XXXX Date Paid : XX/XX/XXXX These credit bureaus/reporting agencies are privately owned companies and have collected and posted my data without my knowledge or permission. I have reached out to the U.S. Bankruptcy Court about this issue and they responded as such, " the court does not provide any information directly to third-party information gatherers. " ( See attachment documentation ) I supplied this information to the reporting agencies and they still refuse to remove this information. In accordance with the Fair Credit Reporting Act, Section 1681 ( a ) ( 5 ), any case, civil or otherwise dismissed, no longer exists in the eyes of the law, and therefore the credit reporting agencies have no right to maintain this information which the government has deemed non-existent on my report. It is only causing harm to my person to obtain employment and better housing by lowering my credit score

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 2023-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I went into Kohl 's to shop and the service person asked if I wanted a discount and signed me up for a credit card in XX/XX/2023. I did not realize I was signing up for a credit card until my parents received a statement at their home in Florida, I live in Michigan. I went in and paid the balance and verified they had my correct address in Michigan. ( I have never lived at my parent 's home in Florida ). They proceeded to send me statements of late fees to my parent 's home in Florida. I called the local Kohl 's and they referred me to the customer service number. After another statement of late fees, today, XX/XX/2023, I contacted Kohl 's customer service and spoke with XXXX ( XXXX # XXXX ) to address the issue again. and she concurred my correct XXXX XXXX, MI address was in the system but would only refund me two of the three late fees, though she also confirmed they continued sending the bill to my parent 's home. I should not be required to pay a fee for their miscommunication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I informed this company that I was apart of the XXXX data breach in that my information was missed used I sent them all the proof I had in they still refuse to move it from my credit report in they also have none of my information on any contracts can you please help me remove this harmful information I will list the account numbers and dates below. US FCRA credence resource manage act number XXXX XX/XX/2023 {$310.00} act number XXXXXX/XX/2023 {$940.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
After filing an initial complaint in XX/XX/XXXX regarding Capital One rebilling and scamming me by keeping money refunded from a dispute, they have finally admitted XX/XX/XXXX that they rebilled me. They committed fraud per the Truth and Lending Act by keeping my refund of {$580.00} from a return of a dispute. They initially called it a permanent credit, although no Attorney General, Governor, CFPB or anyone at Capital One could explain what a permanent credit is. Per the Federal Trade Commission, a consumer can request to hear recorded calls to prove a dispute. They refused me listening to the recorded calls which would prove the disputed amount was never released but would have been held until the dispute was over XX/XX/XXXX. They closed my secured card that had a low utilization, always paid in full, before rectifying the disputed amount and rebilled my account. I was advised to file a complaint with your office and have got nowhere for two years but to stay consistent because I know what is due to me. I have filed a complaint under my emails : XXXX : XXXX ( XX/XX/XXXX ), XXXX ( XXXX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) and XXXX : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). Capital One was sending me a refund check since XX/XX/XXXX in the amount of {$26.00} that I never cashed. I have updated my complaint that I have a recording of a Supervisor of Capital One admitting that I was rebilled. Capital One has since updated the check amount to {$71.00} that states for rebilled amount. Capital One sent a letter not apologizing but saying, Good news dated XX/XX/XXXX. The letter is stating that *MY ACCOUNT WAS REBILLED*, *NOW THEYRE REIMBURSING ME*, ETC, things that I already knew! This is illegal under the FTC! Capital One has tried to assassinate my character by saying my account was closed due to checks being returned. The checks were returned because I wanted my refund from the dispute in the amount of {$580.00} to be released. During that time there was NO premeditated money or money issued before anything cleared. Therefore, nothing was spent of the {$580.00} that was never released. Capital One thought that I would forget about it, but I have emails, voice recording, letters, and bank statement, I want justice!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: GA

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have asked experian to VERIFY this information and provide me with copies of any documentation associated with there investigation into to accounts on my credit report

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 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM WRITING TO DISPUTE THESE FRAUDULENT CHARGES ON MY ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT, AND I DID NOT MAKE THIS CHARGE. I AM FILING THIS COMPLAINT FOR MYSELF NOT ANYONE ELSE. REMOVE THE FRAUDULENT CHARGE AND ANY RELATED FINANCE CHARGES FROM MY ACCOUNTS. PLEASE SEND ME AN UPDATED AND ACCURATE STATEMENT AND BLOCK THE ACCOUNTS. I ALSO REQUEST THAT YOU STOP REPORTING THIS INACCURATE INFORMATION AND REPORT THE CORRECT INFORMATION TO ALL THE NATIONWIDE CREDIT REPORTING COMPANIES TO WHICH YOU PROVIDED IT.

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 2023-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
XX/XX/2023 NOTICE OF DISPUTE : DEMAND FOR VALIDATION AND PROOF OF CLAIM Attn : Credence Resource Mana, XXXX and XXXX. 

This letter is being sent to you in response to erroneous data reporting on my credit profile {$160.00} CREDENCE RESOURCE MANA ACCOUNT XXXX. Be advised that the claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the Truth Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by me. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within ( 15 ) days after receipt of this letter. 

This is NOT a request for Verification or proof of Claimant mailing address, I have received their alleged in house Data reporting on XXXX and XXXX reporting on my profile.. I am now seeking VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence as per the attached Declaration of Proof of Claim that I have any legal obligation to pay the unsubstantiated alleged erroneous debt. 

At this time I will also inform you that if XXXX and XXXX have reported invalidated information to my credit profile prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact, I am requesting that this erroneous reporting be removed until validated or I will not hesitate in bringing action against XXXX, XXXX and Credence Resource Managment for the following violations. 

-Violation of the Fair Credit Reporting Act -Violation of the Debt Collection Practices Act -Defamation of Character -Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) If your offices fail to respond to this validation and proof of Claim request 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Title 8 USC 809 Validation of debts [ 15 USC 1692g ] ( b ) if the consumer notifies the debt collector in writing within the thirty day period in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief