vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Best Buy Visa Card which was due to expire so they mailed me a new card, which was stolen from the mail. Best buy allowed someone to activate the card and make over {$7000.00} of charges on the card before calling me to verify these charges, I got a call and cancelled the card on XX/XX/2021. Since this date the charges have continued and Best Buy actually gave the woman my checking account information and allowed her to make payments on my best buy credit card which ran through my bank account three times at {$4000.00} each payment, I only owed {$900.00} on the card at that time. So my credit card was compromised for {$7000.00} and my bank account was compromised for {$12000.00}. I have done investigations and found who is doing it and have filed police reports. Problem is I told best buy to lock my account and put security measures on there 4 times and they are still discussing my account with this other person. Due to Citi Best Buy they have caused me to have to do a lot of work to try and keep my financial status safe. Best buy won't pull videos from store and won't provide me with the recorded phone conversations on my account. I want the conversations they had with me and the ones they had with this other woman. They have done everything she has asked of them and yet to do what I ask. I called again today and they gave me all my account info again without verifying the added security questions.

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 2021-02-18 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:
There are several accounts that are reporting on my credit file that does not belong to me : Incorrect Names : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX ; Bal : {$520.00} XXXX  - XXXX XXXX XXXX XXXX ; Bal : {$3900.00} XXXXt - Bal : {$0.00} XXXX XXXX XXXX - Bal : {$0.00} XXXX XXXX XXXX XXXXXXXX - Bal : {$0.00} Please remove the following incorrect late status from the listed accounts : XXXX XXXX - incorrect late on XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Bal : {$0.00} Please remove unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Barclays Card US was disputed twice and Ive contacted them requesting a way to resolve this late and derogatory status on my account. I was told Id get a follow up call from Barclay Card and never received it. Id like this removed from my account or have a way to resolve this negative status on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I was infected with XXXX XXXX in XX/XX/2020, I was not able to work and really keep up with any of my daily functions. Keeping tabs of my bills was one of them and received a late payment to my credit report during this period. I called Chase Freedom credit card to tell them the situation but they did not want to help at all. I had almost perfect credit score and since then has dropped dramaticly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
I went to XXXX XXXX on XXXX XXXX in XXXX XXXX, Ohio for an exam on my XXXX. I needed a XXXX  and XXXX XXXX fixed. The woman at XXXX XXXX scheduled me for two appointments. The first was the XXXX XXXX and second appointment to fix XXXX. I went ahead a pre-paid for BOTH appointments in the amount of {$1100.00}. 

I went to XXXX XXXX at the office in XXXX XXXX, Ohio on XX/XX/2019, for the XXXX. Had my XXXX XXXX and left. The next appointment was two weeks out. I received a bill from XXXX XXXX  for {$1500.00}. They subtracted the {$1100.00} and claimed I owed {$380.00} for just a XXXX XXXX. I went up to the office for an explanation. They claimed they injected me with over a {$1000.00} in XXXX  that I did not agree too or sign for. 

In essence, XXXX XXXX charged me {$1500.00} to clean my XXXX. It's {$10.00} at the local college for the same process and more thorough. Now XXXX is sending out this as an unpaid debt to collection agencies. 

I received a letter from Radius Global Solutions, LLC. I contacted them and explained the situation. They did a follow up and XXXX XXXX  forged documents and lied about the services provided. I know this because I received their " account details '' that a littered with unauthorized charges and complete falsification in some cases. 

Who would pay {$1500.00} to have a XXXX XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: CA

Complaint narrative:
XXXX XXXX is trying to collect a debt that they bought from XXXX XXXX XXXX. However, it is a debt that is past the statue of limitation for the state of CA pursuant to CA Civ Proc 337. It is over 4 years since last payment. They have not produced proper evidence of the amount owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FCI Lender Services Inc.
State: FL

Complaint narrative:
I guess I don't have room for a long story so I'll kind of keep it brief there's a company called FCI lending services/XXXXXXXX XXXXXXXX XXXX Play papers for a vision of the property that I've been paying for for the past 5 to 6 years since my brother passed in XXXX or XXXX now for one year I've kind of had to do repairs on the house and I was sending what I could or makes me up the the mortgage slips and still trying to send the money now XX/XX/XXXX I have paperwork that says this law firm XXXX XXXX the XXXX XXXX Florida bar number is XXXX is trying to evict me from my residence when there is no foreclosure I've tried settling with them with the money I do have from my accounts equaling up to {$6000.00} but they're a little lawyer fees and the mortgage they want more than {$10000.00} and I don't wan na work with me I lived in this house for 11 years my mom has died in this house my brothers died in this house I am trying since the pandemic to try to catch up with the mortgage with the stimulus package and also helping others get back on their feet by letting people stay here but when they steal from me I have to replace stuff also also this company since my name is not on the mortgage but is on the last will and testament of my brother and have shown them both copies of the of these PaperWorks that they refused to put me as a co-mortgage holder so I'm able to get homeowners insurance on the house I've survive in this house 3 to 4 category five and have damage to the house and to the outside carport I know the mortgage company called XXXX XXXX sold a mortgage to the XXXX XXXX XXXX FCI and records then they are supposed debt collectors know I've tried reasoning with them and trying to get some insurance money since I have house damage to the house and have mentioned to them multiple times per phone call and in person from a young lady named XXXX XXXXXXXX to her about code enforcement saying that the house needs a paint job and they don't like my window coverings that I have for hurricane so they did help me repaint the house and put a new set of windows up but I still have roof damage this company has housing insurance or hazard insurance on my residents that they do not want to help in anyway even though that I'm paying for hazard insurance through the mortgage

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 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
Loan officer denied loan estimate after providing all necessary information required to obtain one including : your name, your income, your Social Security number ( so the lender can pull a credit report ), the property address, an estimate of the value of the property, and the desired loan amount. 

XXXX XXXXXXXX Mortgage Loan Officer | NMLS # XXXX p. XXXX | c. XXXX XXXX e. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
My credit card account at Capital One was closed. I have asked the company to delete my personal, legal, and financial information. They sent me a website to do that, and I tried to get it to work, but it would not work. I called several times and they tell me there is no way to purge my information. I no longer have an account with this company. They have no right to store, use, sell, my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
i consumer XXXX XXXX XXXX entered into a financial credit transaction at ONEMAIN FINANCIAL GROUP LLC. LOCATION, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NEW YORK XXXX. THEY FAILED TO DISCLOSE DOCUMENTS RELEVANT TO THE CREDIT TRANSACTION. A consumer credit transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction, because i know the finance charge is the sum of all charges i was not expecting to have to pay these payments they have been charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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 reviewed my credit file and found the following items reporting as a result of identity theft. Please remove the following items from my credit file : Incorrect Names : XXXX XXXX XXXX Incorrect Names : XXXX Incorrect Names : XXXX XXXX XXXX Incorrect Address : XXXX XXXXXXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX Bal : {$59.00} XXXX XXXX XXXX - XXXX XXXX - Bal : {$660.00}

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 explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: RFNA, LP
State: AL

Complaint narrative:
On XX/XX/XXXX monthly payment process over phone {$200.00}, was not pleased with increased balance. Call back and had another payment processed in the amount of {$1000.00} same date. Asked young lady for the remaining balance which she provided with another increase thru XXXX of XXXX.That amount she quoted for the payoff of {$560.00}, which I mail check on XX/XX/XXXX. Asked for a PIF letter from Republic Finance LLC. Young man trying to get me to take another loan and claims I have a small amount remaining. Now this is almost six week that full payment has been received. And with a few choice words informed him they wouldnt receive another dime from me. This is their second time trying to charge more for something that is already paid. And I know this is something they practice with all there customers.. I have proof of payments and this company needs to stop.Republic Finance LLC. XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18 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: AZ

Complaint narrative:
To Whom It May Concern, I am writing this letter in response to the noncompliance of Equifax. 

On XX/XX/2021 I XXXX XXXX XXXX submitted an identity theft affidavit with identitytheft.org because of two accounts that are still reporting to my credit file from a company named XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. 

I also requested a correction for a previous employer named ( XXXX XXXX  XXXX ) that is reporting to my Equifax credit report to be removed. This employer is not my current employer and should be removed. 

As of XX/XX/2021 a certified letter with signature confirmation from the U.S. Post Office was to delivered to Equifax, and I have not gotten a response back from Equifax since this day of XX/XX/2021 relating to this investigation regarding all three of these inaccuracies. 

It has been 39 days since my dispute was received from Equifax and as of today on XXXX/XXXXXXXX, all related disputes are still currently reporting to my Equifax credit file. 

This is a violation of my rights and I intend on taking legal action as of now, and depending on the outcome of the investigation from Consumer Financial Protection Bureau I will be swiftly filing defamation lawsuit along with negligent enablement of identity theft and the violation of the Fair Credit Reporting Act. 

I am holding Equifax responsible going forward. 

I demand both fraudulent accounts and employer inaccuracy be deleted immediately because of the 30 day noncompliance that Equifax has shown or ill be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: NY

Complaint narrative:
Equifax should be held responsible because I applied for a XXXX XXXX credit card on Sunday, XX/XX/2021. The company pulled my credit report and my credit score went down by XXXX points because of it. Once my application was finished I was told someone would get back to me. I received an email stating further information is needed to process my application. So I called the company and was told they would have to pull my credit report again but only after I get my phone number fixed on my credit report so that they can verify its really me. The agency is really being unreasonable because there are a number of ways to verify a person and my credit score is good. Now I feel like my score went down XXXX points for nothing. If this agency could assist me with this matter. I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
I received a letter from Rent recovery solutions about a debt I allegedly owe them. This company is believed to be a collections company. I have received numerous phone calls repeatedly from this company about a debt I have no knowledge of. I sent a certified letter asking for debt validation and I have not received any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I was a victim of predatory lending with Santander and my loan is part of the lawsuit with Santander and their unfair lending practices. As a result, my car was repossessed, due to the multi state law suit I qualified for a deficiency waiver of the balance after my car has been sold at auction. 
However there is still a balance showing on my credit report. Santander has been ordered by the courts to issue the deficiency waiver for the remaining balance and completely remove the derogatory account showing on all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character.

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 2021-02-18 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: Army and Air Force Exchange Service
State: NV

Complaint narrative:
Back in XX/XX/2019, I had a briefly late payment with my Military Star credit card. ( Used for purchases on U.S. military post exchanges. ) I quickly paid it, and requested the removal of this from my credit report, as I've had 100 % on-time payments with Military Star and all other credit cards and payments since then.

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 2021-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XX/XX/XXXX, Barclays informed me that my account can not be maintained by myself, that my card can not be reported lost, I could not receive a new one, request a new due date nothing at all my legal representation would have to do so. 
They informed me that the representation took place in XXXX XXXX around the first time a complaint was submitted against them for fraudulently reporting to the credit bureau. 
They informed me they stopped the card but I could not get a new one, however I can make payments on my account that is it. 
There was never ever any legal representation hired or letter provided as they state as of XX/XX/XXXX, but only a complaint filed through consumer protection. They tried to bully me into writing a letter stating it has been lifted however a complaint was filed against them in XXXX for this reason and by me writing that letter would show fraudulent complaints through here and refused to do so They have illegally reported late payments They have not changed my due date from the first of the month and I have been asking since XXXX, telling them the first wasnt possible due to the pandemic They illegally penalized me for writing a complaint against them through consumer protection agency They would not legally allow me to maintain my account due to a rep having a vindictive vendetta against me They have illegally told me they would not give me a copy of the representation on my behalf and I didnt have the right to know who was representing me even though I have explained no one had been hired to do so Theyre rep told me it was in collections legal due to a payment being given to them through a law firm but could not provide the date of transaction because it never happened They have told hung up on me four times tonight and finally have had a rep tell me its NA written next to it and it has been removed but will take 48 hours for me to call back to request a new card They have illegally reported falsely to the credit bureau that in XX/XX/XXXX my account was over 3o days late when a payment was made on XX/XX/XXXX and due on the first theyre bullying me out of late fees now for 6 months plus never allowing me to change a due date thats never been changed due to representation on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation