vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Kohls an account which was opened in XX/XX/XXXX recently just closed my account due to what I believe they will say was inactivity. I check my score weekly and have a credit score ranging from XXXX. Obviously I take my credit worthiness seriously. Kohls has damaged my credit score, furthermore they have done so without having sent me any correspondence about actions that they planned to have taken. This is a violation of the FDCPA & I want this account reinstated with the 7 year old status that it has immediately. If Kohls does not comply I will introduce this issue to my state legislatures, FDCPA, and other regulatory entities. This is a way in which certain business entities can keep certain demographics credit worthiness down. They never in 7 years increased my credit limit from {$300.00} up to a level of which I am worthy. Every credit card company does periodic reviews of their account holders & increase their limits without the credit card holder having to ask and incur a inquiry hit to their score. Kohls is unscrupulous and needs to be held accountable for any damage done to my credit score bottom line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: OH

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: SC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax refuses to follow Bankruptcy laws. My bankruptcy chapter XXXX case opened XX/XX/2021 is closed and the debt has been discharged. Equifax is still reporting accounts as charge offs, and showing these accounts as collectible. I am not derogatory on any account. These accounts were included in my bankruptcy and discharged debt is not collectible. This could result in a lawsuit since equifax continues to try to collect on these accounts and continue to report incorrect information. I have attached photos below. Lastly equifax is reporting an address on my report from Arizona. Ive never lived in Arizona and that is a fraudulent address. I want this removed immediately. I do not owe XXXX. I do not owe XXXX XXXX. I do not owe XXXX XXXX. I do not owe XXXX XXXX, I do not owe XXXX. I do not owe XXXX  XXXX XXXX, I do not owe XXXX XXXX  XXXX, I do not owe XXXX. I do not owe XXXX these are all debts included in the bankruptcy already discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank continues to report multiple accounts as charge offs and that I owe balances on them. Citibank accounts were all included in my bankruptcy case filed XX/XX/2021. These debts are discharged as of current date. These debts are no longer collectible. Yet Citibank continues to report to XXXX  I owe these debts. This is violating bankruptcy laws. You cant collect a debt that has been discharged. Failure to comply will result in a lawsuit against Citibank.

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 2021-07-28 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: TX

Complaint narrative:
they reporting XXXX XXXX  and XXXX  XXXX increase when i didnt use the cards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: AZ

Complaint narrative:
To whom it may concern, I refinanced my house. In the closing instructions. My Citi bank card was to be paid of. XXXX XXXX XXXX XXXX XXXX issued a check in the amount of {$3000.00} on XX/XX/21. Citi bank cashed the check on XX/XX/21. 

After numerous phone calls. Citi bank is failing to take action. They are not interested in seeing the check or the information located on the check that will help to locate it. 

The credit card balance remains. Im continuing to have to make monthly payments and am being charged interest. Im seeking assistance and resolution. This check thats in their possession needs to be applied to the balance. And I need to be reimbursed for the interest they have charged since they have been in possession of the check. 

Sincerely, 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 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I sent letters to all three major bureaus the date of the last letter to XXXX was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : AFFIRM INC-XXXX-Balance : {$0.00} AFFIRM INC-XXXX-Balance : {$0.00} AFFIRM INC-XXXXBalance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: OH

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am complaining in addition of first. I have address service process and just went to have access to find blocked to access and availability. Called customer service with representative of process address information of interfere process of capabilities with problem of concern no assistant still on online access to funds for transfer family member needs .. transfer not available of my account that is as customer with bank monitor with capabilitie with my account and who is capable for access or approval. Concern when my money is needed and not available at time. I just want to question service process not addressed documented example in vestigations of account account question ant nyk investigation outcome leaving question address..no access to disputes transaction online always had access and service availability cancelled with out knowledge not approval not available question of reasons no response. Also withdrawal of service of credit approval for not available fund with Checks deposit availability income assessment availability. All consider involvement of bank access as customer here in XXXX  as a continue customer from XXXX. A always trust well Fargo bank will stay as a value customer if questioning and it '' s capabilities and interest. Consist banking processing.

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 2021-07-28 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: TX

Complaint narrative:
they reporting XXXX XXXX  and XXXX  XXXX increase when i didnt use the cards

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 2021-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC
State: TX

Complaint narrative:
I am a XXXX XXXX XXXXXXXX Military Veteran, and have full tax exemption status on my property taxes in Texas. I supplied my letter of full exemption from the XXXX XXXX XXXX XXXX ( XXXX ) along with my original exemption application as instructed by XXXX to my mortgage company, Prime Lending. I sent via online messaging through their website on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also tried sending it through the email given by the company without success on XXXX. No matter what size email the email is returned undeliverable. I received a letter from the tax department at Prime Lending stating my letter was insufficient and lacked all of the information required. In referencing their letter on what information was missing I found that my letter contained all of the required information they were asking for. I sent my letter again highlighting the information they requested, and sent it certified mail through the post office on XX/XX/XXXX. Using the tracking number from USPS I see that it was indeed picked up. I have spoken to no less than 5 customer service representatives and 1 manager about the issue. They all tell me that there is no way to transfer me to the tax department nor does the tax department have a customer service phone number that I can call. They refuse to put me in touch with anyone in their tax department and keep telling me that they do not have my tax exemption letter on file. One customer service representative, in fact, kept interrupting me to repeat what she had already said and was extremely rude. I am disturbed that Prime Lending is treating a XXXX military veteran so poorly, and that they are comfortable taking additional money out of my account each month to use to grow their interest in their own account. I want the additional funds they are robbing from me refunded, and if possible with interest that I could have earned in my own account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOUTHSTATE BANK CORPORATION
State: NV

Complaint narrative:
Text msg received XX/XX/2021, XXXX FRM : SouthState Bank ! Contact XXXX SUBJ : Debit Card Locked MSG:XXXX This is obviously spam, I do not have any dealings with SouthState Bank XXXX 
I have recd another text msg regarding and requesting bank info from me. 
Somehow my phone number is being used to extract banking information. 
I have deleted this text.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2021 went to Bank of America ATM machine to make a payment put {$400.00} in the machine the machine sent back a printed statement saying they were unable to process and can not return my items which is {$400.00} I called the number they gave me they assured me it would be taken care of insideThe girl told me it happens to her its frustrating but they will take care of it immediately its almost 2 months now nothing I keep paying interest on this {$400.00} I went to the bank and ask them to take care of it they said they have nothing to do with the credit cards but yet the credit card says Bank of America on it my statements come from Bank of America and they refused to do anything

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 2021-07-28 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
The loan # XXXX with Suntrust bank was in a modification status as of XX/XX/XXXX. On XX/XX/XXXX I received a letter from Suntrust stating that the mortgage was in default and in order to bring the loan current I would be required to pay {$6800.00} by XX/XX/XXXX. On XX/XX/XXXX I made a payment through Suntrust speed pay for {$4500.00}. On XX/XX/XXXX I made a payment through XXXX for the remaining balance. I have attached the 2 payment receipts below. On XX/XX/XXXX the loan was transferred to another lender. On my credit reports with XXXX and XXXX  they are reporting the account as 90 days late for XXXX, XXXX, and XXXX XXXX. 

I disputed it with Suntrust on XX/XX/XXXX and they denied my request. I am now asking the CFPB to investigate and update the account with the accurate information asap. 

Thank you 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 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have a Fidelity Visa credit card, which is provided through Elan Financial Services. This complaint is directed at Elan. 

During the months of XXXX and XXXX my automatic payments did not correctly process. 

Problem # 1 : I was not notified of this in any way and my credit score was impacted due to high percentage of available credit that was unpaid ( perfect history before this ). 

Problem # 2 : the reason the payment did not process was a NFS, however my account had ~7x the required funds for the two month 's worth of payments. In talking with Elan and Fidelity in a 3-way call, the Elan representative confirmed it was a technical issue on the Elan side and that it would be fixed. I asked for but received no remediation options for the impact to my credit score. 

XXXX # XXXX : during this process automatic payments were cancelled on my account, without my notification, which has resulted in XXXX and XXXX payments being unpaid, which had again impacted my credit score.

Problem # 4 : again, neither Elan or Fidelity notified me of missed payment in any way.

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 2021-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: WA

Complaint narrative:
On XX/XX/2021 unemployment deposited {$15000.00} into my ( XXXX ) Card.com account. Also, on XX/XX/2021, they deposited {$1000.00}. Totaling {$16000.00}. However, it has not shown up in my account. Several times I have called the company, and they claim they have not received it. Unemployment states it was not returned to them. So, after numerous calls, Unemployment gave me this number to call your company for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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:
The companies involved is XXXX XXXX and Transunion. I recently request my credit report from free XXXX XXXX and it's a lot of aliases on my report, old addresses, phone numbers, old employment and inquiries that i never even made. The credit bureaus are reporting information that's not associated to my account. For instance, there's an address that's on my account that's 7 hours from my home address. All of these incorrect items are stopping me from getting a home, car, etc. I would like for the incorrect items on my report to go to it's rightful owner. The credit bureaus are using public record to look up my name and end up attaching someone else file to my credit report. Please investigate the negligence of the credit reporting agencies

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 2021-07-28 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:
The companies involved is XXXX, Equifax and XXXX. I recently request my credit report from free XXXX XXXX and it's a lot of aliases on my report, old addresses, phone numbers, old employment and inquiries that i never even made. The credit bureaus are reporting information that's not associated to my account. For instance, there's an address that's on my account that's 7 hours from my home address. All of these incorrect items are stopping me from getting a home, car, etc. I would like for the incorrect items on my report to go to it's rightful owner. The credit bureaus are using public record to look up my name and end up attaching someone else file to my credit report. Please investigate the negligence of the credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have been advised that I owe this debt collector for {$460.00} the debt collector is Resurgent LVNV Funding I advised them that this is not my debt and that this was a result of someone impersonating and having my personal information. They insist that this is my debt and they were taking legal action and put me in collections with the credit bureau which they did. I disputed this many times with all three credit bureaus. They insist on calling me and threating me about this credit card debt. I refuse to have my name and my reputation severely scared as a result of this collection I have been doing all I can to fight this but they have effected my name, my credit worthiness and this is so humiliating. I have been fighting this since XX/XX/2020. The debt collectors information is listed below. 

Report Number XXXX Resurgent/LVNV Funding Account Number XXXX C/O XXXX XXXX XXXX  XXXX XXXX XXXX LVNV Funding LLC XXXX. XXXX XXXX XXXX, SC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: UNITED CREDIT CORP. OF SOUTHAVEN
State: MS

Complaint narrative:
I abtain a loan from this company United Credit back in XX/XX/XXXX My home burned down and I lost my job in XX/XX/XXXX so I wasn't able to pay back the loan so they charged it off as bad debt so fast foward to XXXX XXXX I received my anually credit report and noticed United Credit has been pulling a hard inquire of my credit for the past year and something every two month they have pulled it starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX they are trying to ruin my credit I did not arthorize them to pull my credit this is illegal!! I have not heard or spoken to United Credit since XX/XX/XXXX this is not right and is against the law!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation