vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: CA

Complaint narrative:
I dispute this balance due as I submitted my letter of fraudulent charges to the Executive Response Unit dated XX/XX/XXXX. I received a letter from Home Depot Credit Services dated XX/XX/XXXX stating We are writing to inform you that we completed the investigation on your The Home Depot Commercial Revolving Charge Card account. As a result, we removed the disputed charges and any related fees and finance charges from your account. I also received a check for prior payments made in the amount of {$13000.00}. 

I received a letter dated XX/XX/XXXX from Home Depot Credit Services stating We have completed our investigation regarding your claim of unauthorized use on the above referenced account. Based on our review, we have determined that you are responsible for the charges in question. ( see attached ) I have attached the following evidence in support of my dispute : Fair Credit Billing Act Public Law 93-495 October 28, 1974 Chapter 4 Credit Section 161 Correction of billing errors states the creditor must acknowledge the complaint letter within 30 days after receiving it ( I did not receive an acknowledgement letter from Home Depot or Citi ).

Section 161. Correction of billing errors states - If the creditor fails to follow the settlement procedures stated in the Fair Credit Billing Act, they are legally not permitted to collect the amount in dispute, or any charges attached. For example, if a creditor acknowledges a complaint in 50 days20 days too late. I have not received any correspondence from Home Depot that a second investigation was initiated.

Per Section 161 you are penalized by not conforming to the Fair Credit Billing Act Section 161 and can not reverse the original credit Home Depot applied to my account.

Please provide me with a written statement reversing the debits along with an updated statement.

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 2020-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PORTIFOLIO MORTGAGE
State: AL

Complaint narrative:
Originally, my loan was being serviced by XXXX. I received a letter from XXXX dated XXXX XXXX, 2019 stating as of XX/XX/2019 our loan would transfer to XXXX. XXXX XXXX XXXX and I would receive information directly from them about the processing of my mortgage payments. 

As of XX/XX/2019 I had not heard from XXXX. XXXX. I began calling their offices, citing the letter from XXXX. On or about XX/XX/2019 I was escalated to a supervisor who informed my that my loan was sold again ( before any processing at XXXX. XXXX ) to American Portfolio Mortgage and I would receive additional information from them. 

On or about XX/XX/ 2019 I began calling American Portfolio Mortgage to locate my mortgage loan. I was advised repeatedly they would send a letter. I called about 2-3 times a week, seeking information on where to. I was told they did not have the loan and not to worry, there would be no late fees or issues once they did have the loan. 

On or about XX/XX/2019 I received a letter from American Portfolio Mortgage acknowledging my mortgage and providing an old loan number as well as a new loan number. The letter stated American Portfolio Mortgage would begin subservice on our mortgage under contractual agreement on XX/XX/2019. I called them and was advised it would take 10 business days for the loan to be entered. They provided a website I could check and that would allow me to set up my online account. 

I have called 9 times since that phone call, spoken to three supervisors ( two of which escalated and someone was suppose to call me back in 24 hours ). I have checked the website at least 3 times a week. My last call was today to a supervisor who advised she couldnt understand what was going on. 

To date ( despite paying into the escrow to cover these charges ) I have had to pay my house insurance premium and my property taxes out of pocket. My mortgage has now not been paid in 4 months because the account can not be locate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX Bank clearly stated after I had applied for a credit card, that I would not be penalized nor a record report on my account after such application was denied.

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 2020-01-05 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: DISCOVER BANK
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019.

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: AZ

Complaint narrative:
I have been a victim of identity theft Experian and XXXX XXXX have still reported inaccuracies on my credit report I have filled a police report, identity theft report. Each company still refused to remove an inaccurate account on my credit report. This has affected my entire life I just want justice. This person that has stolen my identity has destroyed my life and deserves to be held accountable for their actions. I have filed many disputes credit freezes fraud alerts I dont know what else to do.

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 2020-01-05 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have been a victim of identity theft XXXX and Wells Fargo have still reported inaccuracies on my credit report I have filled a police report, identity theft report. Each company still refused to remove an inaccurate account on my credit report. This has affected my entire life I just want justice. This person that has stolen my identity has destroyed my life and deserves to be held accountable for their actions. I have filed many disputes credit freezes fraud alerts I dont know what else to do.

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 2020-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I dont remember this account also they been harassing me an my family members for over a couple months

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 2020-01-05 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: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX Fraud Department unfortunately has not corrected errors in my XXXX Consumer report. Netnel/Department of Education was a loan that was fraudulent opened by a closed school and opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion report XXXX This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Fraud Department unfortunately has not corrected errors in my Equifax Consumer report. XXXX/Department of Education was a loan that was fraudulent opened by a closed school and opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Fund, LLC
State: MO

Complaint narrative:
They posted it on Equifax

Company response to consumer: Untimely response
Consumer complaint received 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my TransUnion report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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 2020-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Went to court with lvnv funding and had a amount settled for XXXX a month for 12 months. We settled on a amount of XXXX in the court which there are court papers stating that as well as the company offering that. My payment will be done in XXXX as I only owe XXXX I disputed the amount listed they say I owe which is XXXX I called them in the beginning and told them that the court papers settled on a amount which they found and said yes they have it and I even mailed them a copy but they still keep the inaccurate amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-01-05 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Sunday, XXXX I tried to make an XXXX purchase on XX/XX/XXXX. During the checkout process, I received an error message : " We can't process your payment. Try again, or select a different payment method to check out. '' I used a credit card for my purchase and did not select the PayPal option. 

After several calls to XXXX support, I learned that the error message is : " Payment Validation Error - XXXX '' The final decision from XXXX support was for *me* to call Paypal to determine the reason my payment was not accepted. Paypal is XXXX 's primary transaction processor and it was probably the root cause that my payment was not being accepted. After a lengthy conversation with Paypal it turns out that my Paypal account has been blocked due to suspicious activity. Here is the notification : " We noticed that you've been using your PayPal account in a questionable manner. To understand this better, we will require some information from you. 

In an effort to keep your account secure, we've also limited certain features in your account. You'll be able to regain access to these features once you provide the information we've requested. 
Reference ID : XXXX '' I have known about this problem for about 3 - 4 months and have been able to make credit card purchases on XXXX which should have nothing to do with Paypal and have previously worked. Now, every purchase that I try to make via XXXX is getting blocked by Paypal. Please keep in mind that I am not selecting the Paypal option, it's just that Paypal is blocking all of my credit card payments before the transaction can get to my credit card company. 

I have had an XXXX account and Paypal account since XXXX. I have been through a couple of reactivations where I did not use the platform for long periods of time. I don't mind and want to close my Paypal account because I don't believe they should have control over my ability to transact online commerce with XXXX. However, I am not allowed to close my account because of additional requested information. Of course, closing my account would limit my ability to sell items but I never used XXXX as a sales platform anyway. Given what I have learned during my ordeal, Paypal has the ability to hold your money for 180 days if your account is suspicious or banned. 

What can I do to allow standard transactions to occur on XXXX without involving Paypal? In other words, there are XXXX users that do not have Paypal accounts and are allowed to use their credit cards for payments. I would like the same courtesy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
1.Capitol One denied my credit without explaining why the credit ws denied. My credit report is in good standing.When I tried to get an explanation of why it was denied, I get not get verified in order to verify why my application was denied 2. Additionally, after the application was denied, they claimed the application would not have any impact on my credit report, when in fact it DID and shows up on my credit report with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
EQUIFAX REFUSES TO ADDRESS MY CONCERNS. THEY CONTINUE WITH THEIR RETALIATION. THEY TOOK AN ADDITIONAL 8 POINTS OFF OF MY CREDIT REPORT WHEN I MISTAKENLY OPENED A CHECKING ACCOUNT IN MY CREDIT UNION AND IMMEDIATELY CLOSED IT. MY CREDIT UNION SAID THAT EQUIFAX SHOULD NOT HAVE DONE SO. I HAVE NO CHOICE BUT TO STEP UP MY COMPLAINT PROGRESS AGAINST EQUIFAX. THEY SENT ME SOME DOCUMENTS THAT DID NOT ADDRESS MY ISSUES. THEY STILL HAVE VERY OLD DEROGATORY INFORMATION ON MY REPORT. THEY ARE THE LOWEST REPORTING BUREAU OF ALL THREE CONSISTENTLY. THEY REFUSE TO ADDRESS ISSUES ACCORDINGLY. EQUIFAX WILL REPLY TO THE COMPLAINT WITH STANDARD EVERYDAY ANSWERS THAT ARE USED FOR EVERY CONSUMER EQUIFAX IS FRAUDULENTLY REFUSING TO CHANGE CREDIT SCORES. I AM WRITING MY CONGRESSNAN AND STATE ATTORNEY ABOUT THIS. I DEMAND THAT THEY ACCURATELY REFLECT THE CHANGES OF MY MORTGAGE AND MY CREDIT CARD INCREASE. I NOW DEMAND THAT THEY REMOVE ADDITIONAL ACCOUNTS AS A FACTOR FOR DECREASING MY SCORES. EQUIFAX IS A POOR CREDIT REPORTING SOURCE

Company response to consumer: Closed with explanation