vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Blackhawk Network Holdings Inc.
State: WA

Complaint narrative:
I was issued a prepaid mastercard card, but it did not work at many vendors, and when I tried to successfully use it, the card expired and there was no way to receive the remaining balance. This is like receiving a coupon that expires, not cash. My understanding is that it was illegal to make fund inaccessible from a prepaid credit card. Blackhawk Network will not return the money. I would consider this a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: CO

Complaint narrative:
I disputed 2 bankruptcies on my account ( both are the same but are counted twice ) I disputed to have them removed from my account. The agent I spoke to said that they can be removed but I would need to get ahold of the bankruptcy court that did my bankruptcy and obtain a letter of permission to have them removed from my credit report and they would gladly have them removed. I called my bankruptcy court and tried to obtain the letter. I was advised that they had lied to me and that the courts do not provide any information like this as the credit bureaus and courts are separate entities. The court clerk advised me that it is at the credit bureau discretion whether to keep or remove records. I was lied and gave the run around. Experian can easily remove the records at their discretion but do not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 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: KLS Financial Services, Inc
State: TX

Complaint narrative:
The balance that was sent to kls should have been paid for by my Heath Insurance. And no claim has ever been sent nor has anyone sent anything to my home or contact me about this balance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Brett M. Borland, P.C.
State: MS

Complaint narrative:
I had no knowledge of this debt until it showed on my credit report. I have sent a debt verification letter and have yet to receive a response from the debt collector. Letters were sent via certified mail and was received by collector on XX/XX/21. After calling the office they informed me that they received the verification letter. I advise them that it had been over 45 days and I have not gotten a response. I informed them I would send another letter and the gentleman I was speaking with informed me that it wouldn't change anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
On XX/XX/21 I reached out to Loan Depot to refinance my rental property. I spoke with a XXXX XXXX on the phone for about 30 minutes. He specifically asked me to provide a credit card authorization to charge for a credit report, which I did. He also sent me to their portal where I signed to authorize the {$21.00}. 
Later That evening I received two emails, one regarding the fee for the credit report and another regarding a fee of {$490.00} for an appraisal which we never discussed. I immediately sent XXXX a text message questioning the appraisal fee in the absence of a pre approval. 
Mi d you, this gentleman lists his availability as Thursday thru Sunday but did not respond to my text. I called and left a vm. By Sunday I was angry and them sent an email canceling the loan request. Finally on Sunday he responded to my request to cancel sending me a text that he would cancel my request with no mention of the credit card charge. 
After more than 10 days I called my bank and canceled the card and they rejected the {$490.00}. charge and from Loan Depot. 
This company is shady and takes shortcuts. Just thinking if I had provided my debit card they would have wiped out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
on XX/XX/2021 I purchased a group-on through my Chime ( XXXX card ). On XX/XX/2021 I was quarantined by Hawaii even though I had an negative COVID test ( attached ). On XX/XX/2021 I reached out to XXXX to ask for an refund they stated they could not but I should contact my bank. I did, and they denied my claim on XX/XX/2021. On XX/XX/2021 I resubmitted my claim and even sent my flight back home information. Again on XX/XX/2021 my claim was denied. I asked for another rebuttal on XX/XX/2021 and called to check on XX/XX/2021. I was told because I did not specifically ask for an " rebuttal '' it was denied. I resubmitted all documents again and in just a day received the attached denial on XX/XX/2021. Stating that my claim was denied because of groupon policy. The merchant has failed to respond to Chime. Yet they are still siding with them. I have sent everything I can to prove that I did not receive my goods/services and should not be responsible. Also inst it courtesy if the merchant does NOT reply within 30 days to settle in the favor of thei consumer. Now when I contact Chime the agents keeps hanging up on me. PLEASE HELP me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a new Capital One 365 checking account around XX/XX/XXXX for {$400.00} sign up bonus. Three months after I met all the requirements for the bonus, Capital One closed my account in late XXXX without any notice. I was not honored the {$400.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
I recently received a notice from the Security Credit Services LLC on approximately XX/XX/2021 with a stated current balance of {$16000.00} which originated with XXXX XXXX, XXXX on the financing of an XXXX XXXX with XXXX by XXXX. 

Due to the COVID-19 pandemic last XXXX, I was put out of work for the entire year on account of being a non-essential worker. I received no notification from XXXX XXXX concerning the acquisition of my debt by Security Credit Services and when contacting the prior business, they said it was out of their hands as my account had already been acquired ( again, with no warning or any type of indication that my account was at risk of being collected ). When contacting the latter company concerning my debt, I have contacted them via phone for the past two weeks with messages left to no avail and they are notoriously known for being extremely unprofessional in matters of communication. 

This was a majorly poor handling of communications on part of both companies, both of which do not provide clear answer on how to proceed or rectify this situation. I feel severely slighted and taken advantage of as a consumer and as a client - especially in the fact that I was not notified or given any warning in the passing of my account to debt collectors. It is as if this company took advantage of the ongoing pandemic to further exploit its clients in a time of national economic turmoil.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital 1 bank was supposed to send me a check for {$19000.00} capital 1 did not send me the check I heard that the check was cashed and I disputed it they were supposed to send me another check for {$19000.00} they've been closed my account they shut off all my checks so that way might check bounce so now I'm in XXXX XXXX for bouncing checks and this is capital ones ear they lie to me they deceived me they sent back {$1200.00} that was in XXXX account that I did not ask them to send back and they listed it as a withdraw capital 1 is a faulty bank and they have calls me nothing but problems I would like to super damages or I want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX put a gps block on my account so I can see the balance in my account nor can I transfer money My deliver prescription service is off they collect I need my meds and be able to buy gas and food.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
I reported several times as I was processing mortgage loans that the loans were NOT DU approved or eligible for a mortgage loan. I was told to process it anyway. Many times I found errors and the loan officer admitting to manipulating a borrowers assets to get approval on a loan when that borrower never had that money in an account. Loans were processed even though they were NOT approved and actually DENIED! I was fired after 4 months of pointing these things out! I am older and believe in honesty and not putting people in loans/mortgages that they can not afford only for them to be devastated when they get their home foreclosed on. This is a practice that needs stopped! I was promptly wrote up for job performance after being denied training ( documentation to support ) and at month 3 with the company. This was only an excuse to terminate me because I was questioning their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I made a complaint on TransUnion in reference to inaccuracies on my account. This is the response they sent back " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 I called Transunion to give my authorization they informed me that they received no complaint from the CFPB. I sent my initial dispute on XXXX/XXXX/202. When I asked about it today they said they didn't receive one in XXXX only one in XXXX the XXXX I sent in XXXX was me asking them why haven't they responded on the one I sent on XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have made several attempts to protect my identity but there is someone using my information to open lines of credit and loans. There is a new account in my name called XXXX XXXX XXXX which states i owe {$600.00}, their contact information is XXXX address XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. I never opened this account, i do not have in my possession this credit card, i did not authorize for it to be opened at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
wrong info : se attachments for proof XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX, CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 explanation
Consumer complaint received 2021-05-27 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have made several attempts to protect my identity but there is someone using my information to open lines of credit and loans. There is a new account in my name called XXXX XXXX XXXX which states i owe {$600.00}, their contact information is XXXX address XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. I never opened this account, i do not have in my possession this credit card, i did not authorize for it to be opened at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 explanation
Consumer complaint received 2021-05-27 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:
On XX/XX/XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This loan has been with Wells Fargo Small Business Lending. We have tried to pay off the remaining amount on a 15 year loan on which we have paid down for 14 years without missing payments or being late. We recently requested - in writing - a Pay Off amount ( in XXXX, XXXX ) and received the pay-off letter on XX/XX/XXXX. We wired the amounts stated in a Pay Off letter the very next day. They acknowledged receipt of the amount ( direct wired ) and received confirmation of that wire. However they invoked additional daily interest charges due to the discrepancy in THEIR timing of conveying the pay-off letter and amount. Their letter was dated XX/XX/XXXX but we received it via email on XX/XX/XXXX and they received wired funds the next day, XX/XX/XXXX. Then in early XXXX we received a statement by regular mail of owing {$29.00} more ( daily interest fees ) Their statement of the added fees was dated XX/XX/XXXX, and stated required payment date by XX/XX/XXXX ( same day as letter ), but we received that letter by regular mail on XX/XX/XXXX - making it impossible to fulfill their deadline equaling yet more charges. Each time we have receive a demand for additional payment the communications have come late - making it impossible to meet their demands. We pay immediately in good faith, and yet there are more charges. We have wired additional funds in an attempt to head off further small charges but were told they had to create yet another Pay Off statement and that would take 4-5 weeks to get! -- meaning yet more daily interest charges. There seems to be no way to get out of a continuous stream of small added charges. Also the daily interest charges are based on the FULL amount of the initial loan from XXXX instead of the remaining amount on the loan as of XX/XX/XXXX - even though they now actually have all of the amount that remaining. There seems to be no way to get out of this and fulfill their requirements because there are always new added charges with built in time delays so there are always new added fees. No way to get title and finish 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 non-monetary relief
Consumer complaint received 2021-05-27 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: TX

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation