vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 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: MI

Complaint narrative:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I closed on a mortgage refinance with Rocket Mortgage XX/XX/XXXX. XXXX handled the closing and has yet to record the mortgage. The refinance was also removing my ex-husband. I reached out to XXXX client relations and Rocket in XXXX and was told the original recording was rejected for an error. After a lot of back and forth they informed on XX/XX/XXXX that the recording and quit claim had been submitted. A property search and county recording search still do not reflect this. I sent a follow up email XX/XX/XXXX with no response. I advised them that if they did not respond I would report to CFPB. I had been trying to get a home equity loan and could not without these. Now the credit has expired and would need another done. This adversely effects my credit and has put a strain on me and my ex-husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I received a threatening message about legal action from a supposed attorney for a debt that I do not owe. I have never received any kind of Payday Loan, and the language in the email is questionable. This appears to be a lazy attempt at intimidation and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: FL

Complaint narrative:
On XXXX XXXX, 2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: FL

Complaint narrative:
I had a XXXX month membership to XXXX XXXX  that I used in XXXX, 2021. In XXXX I tried to book an appointment with the masseus that I had before and she was out sick ; I said I would cancel my membership and they said I could not. I have written letters to the credit card company to no avail. XXXX XXXX finally agreed to cancel most of the membership with the exception of XXXX, 2021. I have called and sent letters to the Credit card company- they are to blame ; they are now charging me {XXXX  plua interest and penalties and late charges. I paid the XXXX} because the credit card company sent my name to XXXX. I canceled my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, I received an email from XXXX that funds has been used from my account to buy cryptocurrency thru Coinbase. I called the support number in the email to reach out to XXXX, but was connected with the hacker. He convinced me that I needed to close out my XXXX XXXX  savings account so he could install more security protection. On XXXX XXXX, XXXX, he transferred {$15000.00} to Coinbase account he opened in my name, XX/XX/XXXX transferred {$49000.00}, XX/XX/XXXX transferred {$48000.00} and {$50000.00}, and $ XX/XX/XXXX transferred {$59000.00} for a total of {$220000.00}. My total life savings. I am XXXX XXXX XXXX, single woman, who lives alone. I can access one Coinbase wallet that only shows my sending info for the two-step id to the account. No money is in that wallet. The second wallet, where the money went is gone to my view. However, a recent phone call to Coinbase, I was told they could see the transfers in and out and declined to tell me where the funds were transferred and by whom. 
Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: MI

Complaint narrative:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 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: MI

Complaint narrative:
The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to XXXX but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX  Date of inquiry XX/XX/2020 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 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I disputed XXXX / XXXX and XXXX XXXX they removed XXXX XXXXXXXX but that made my credit score go down ever more when it should have went up since the identity theft account was removed the I'm also still waiting for the XXXX  account to be removed as I think it's been over 30 days police report has been submitted to them already but they dropped my score when in fact it should be rasing after the false accounts was removed

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 2022-03-03 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Sir / Madam, - On XX/XX/XXXX I purchased tickets at XXXX with a Mastercard Credit Card ( ending XXXX ) I used to own for an amount of {$170.00}. 

- On XX/XX/XXXX I received a Fraud Notification for the same credit card, and as a consequence of it, my financial institution ( Citibank ) provided a replacement with a new numbering. 

- As a consequence of the COVID pandemic, the show I had purchased the tickets for was Postponed ( not Cancelled ) and after getting in touch with XXXX, they claimed that they could not refund the money until the show is rescheduled or cancelled. 

- Finally, in XX/XX/XXXX, the show was rescheduled and my tickets was cancelled, and XXXX refunded the money to my original method of payment, which was the Mastercard Credit Card ( ending XXXX ) that I do not longer have as I was victim of fraudulent activity and received a replacement card. 

- XXXX claims that the funds were released to Mastercard between XX/XX/XXXX and XX/XX/XXXX and Mastercard did accept the funds. They are even open to provide the evidence of having released the funds and Mastercard having accepted them, but they claim they can not provide directly to me but only to Mastercard due to data protection issues, but Mastercard is not providing any contact or fax number to receive the evidence.

- I have been talking to Mastercard multiple times, sometimes they claim they have not received the refund, some others they claim that I will receive the refund in my next billing cycle, but month after month, I never received the funds.

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 2022-03-03 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: MI

Complaint narrative:
The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
XXXX Date of inquiry XX/XX/2020 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 2022-03-03 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: FL

Complaint narrative:
On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
These Inquires have been made to my account fraudulently and without my knowledge Remove these ( 5 ) Fraudulently inquiries from my credit report that I have with your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUSIVE Action For XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX 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 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry 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 explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
I contacted the Bank a couple of weeks ago in regards to some overdraft fees I had received. The first XXXX fee occured XX/XX/XXXX and the next occured on XX/XX/XXXX. During our conversation I asked if these could be refunded to the account, as I was in the middle of transitioning jobs and had mistakenly not accounted for all of the bills I had coming through. The agent I spoke with placed me on a brief hold and returned to say that I had already used my free refunds. I responded by saying that I have never had an overdraft fee for the life of this account, and asked how I could have already used a free refund? She essentially told me that a refund was not available for me. 

My complaint is this ; based on my conversation with the agent, I believe I was treated differently than other customers. As she indicated, they offer " free refunds '' to some customers, which begs the question, why am I not included in this group of customers? Is it because I live in a Low to moderate income neighborhood? Because I am not affluent?

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 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC
State: KY

Complaint narrative:
Nelson Cruz & Associates, a collection agency continue to wrongly call " my number '' and leave messages for another person. They use in-state id 's when calling to confuse. A XXXX called on XX/XX/2022 at XXXX am. A XXXX called and left a message on XX/XX/2022 at XXXX pm. XXXX XXXX called and left a message on XX/XX/2022 at XXXX & XXXX pm. These were all calls for a " XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I received an email from XXXX XXXX XXXX XXXX Inviting me to sign up for free credit bureau membership for four years. The email contained an activation code XXXX. I was to sign up on the web site " www.experianidworks.com/equifaxsettlement.. When I did so the website advised that the activation code was not valid. I then called the phone number XXXX and was told by an agent that the code was invalid and that she would try and get a valid code for me. After many long minutes the agent advised that they would have to phone it to me later. I never received that promised phone call. The next day I phoned the XXXX XXXX XXXX XXXX XXXX at XXXX. The agent again confirmed that my code was invalid and ( apparently ) attempted unsuccessfully to get me a valid code. Again after a long wait on the phone I was told that they would call me later. I never received that call either. It appears that I am getting a run around in hopes that I will give up my quest for a valid code

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 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My updated credit report from Equifax was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If Equifax has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries : XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXXXXXX  Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Hello! 

I have a problem with Chase Credit Cards. I was a Chase Sapphire Reserve customer, and after they increased the membership fee I decided to terminate my account. I did that through a call with a Chase representative on XX/XX/2021. 

At the time, I had XXXX points, which is equivalent to ~ {$1300.00} if used for airline tickets, for example. During the conversation with the agent, my wife was told we had 3 months to use the points before they disappear. In early XXXX we logged in to our account to transfer the points and discovered they are gone. 

We checked the program agreement and found that it too says clearly that If your account is closed for any other reason, youll have at least 30 days from the date your account is closed to use your points, as long as you dont lose them for any of the reasons described in this agreement. If you dont use your points during that time, youll lose them. 
Source : XXXX XXXX XXXXXXXX We called Chase, spoke with a supervisor and requested the points be returned to us. Through XXXX, the case was also allegedly escalated to their " Marketing Escalation Research Team '' and the response was " we are sorry, we will not be able to honor your request. ".

We were informed we had 3 months by a Chase agent. The program agreement says " at least 30 days ''. We clearly have the right to these points that we earned in accordance to their program. Please help us get them back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$960.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CO

Complaint narrative:
My discover account is currently closed but i'm still making the required monthly payments. on my credit report discover is currently reporting my account as " consumer disputes- Reinvestigation in progress. I'm not disputing this account and need the disputes to be closed as right now it is impacting my ability to purchase a new house. I never asked for a new investigation and didn't ask for the comment to be put on all my credit report.

Company response to consumer: Closed with non-monetary relief