vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
While on vacation with my grandson Capital One " Restricted '' my credit card. They indicate that they have a concern that there is fraud on the account. I have verified that I made all of the purchases that are pending on my card. I have provided information to Capital One over several days taking several hours. I have authorized a withdrawal from my bank account to pay the charges that they allege are fraudulent or " suspicious. '' Within 24 hours the charges will have been both confirmed as being made by me and also paid by me. 

Capital One has indicated that it will not take the restriction off of my card until I provide them with a copy of the front and back of my driver 's license. I have refused to provide this information. I have pointed out that several of the charges they see as suspicious as being fraudulent required me to present my physical charge card AND by drivers license. Specifically several charges of concern to Capital One involve hotel charges and a rental car. Remember, these are charges I have confirmed that I made. These are also charges at locations that I have visited on vacation in the past. 

I have pointed out to Capital One representatives that I keep my credit cards and my driver 's license together. If someone stole my credit cards they would have to take a bag that I keep the cards in. In doing so, the thief would also have my driver 's license. 

This is not about a concern over fraud on my card. This is an effort to mine for personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX ACCOUNT # XXXX was closed XX/XX/2020 but is showing as " current '' on my TransUnion consumer report. ( See attachment reflecting CRA 's reporting incurrent information. ) A closed account can not be reported as current. This inaccurate information is causing harm to my reputation.

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 2021-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I entered into a credit transaction with Comenity/XXXX XXXX and I was denied but I still received a inquiry so everyone got paid except me that's a violation and improper use of open ended credit plan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days 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 the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: GA

Complaint narrative:
XX/XX/ - We signed a purchase contract for a new home with DR Horton. I provided a pre-approval letter with XXXX XXXX XXXX which is my current employer. I was told it is a DR Horton requirement to have all buyers pre-approved by their lender DHI Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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:
This is unfair. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. These unverified accounts affects my scores badly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: SC

Complaint narrative:
I wrote a letter to Lexisnexis dated on XXXX starting that I would like all my information removed from their system due to violating my consumer rights of privacy and permissible purpose. The information that is on this report stems from XXXX  while I was still a minor up until now. I sent it to the XXXX XXXX address where I received notification that the company has moved and there's no forwarding address. I called them today and I spoke with a representative by the name of XXXX. This representative of Lexisnexis told me that she could provide to me ways to opt out but her company will not do as I ask and remove the information. I ask several times during the conversation and she continued to provide me ways to opt out. LexisNexis is willfully housing, sharing, sending information that is damaging to my character and my reputation. They are in violation of Title 15 USC 1681 ( a ) ( 4 ), Title 15 USC 1681 ( B ), Title 15 USC 1681 ( e ) and now they are holding my information hostage so it is definitely intentional violating Title 15 USC 1681 ( n ). I also have a voice recording of the call where the representative continues to give me options in which I did not ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
Please see attachment which has all the required information. I am in the process of mailing this letter to XXXX and CheckSystems.

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 2021-10-19 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: IA

Complaint narrative:
Hello my name is XXXX XXXX and I'm submitting this complaint on behalf of myself in hopes to resolve this matter for good. I've been requesting debt validation from XXXX XXXX which is attempting to collect a debt from me with has not been legally validated or supported with evidence THEREFORE THIS ACCOUNT MUST BE DELETED. Below I'll attach the letter I sent to them and what I asked for. 

Heres what was sent to XXXX and requested : HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH XXXX XXXXXXXX. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN. 

I demand that all of the above conditions be met and presented in Affidavit format sworn under oath or attestation, under penalty of perjury and upon your full commercial liability. Due to the urgency and seriousness of this allegation, I will give you fourteen ( 14 ) days to respond. If I do not receive such a response conforming to the above criteria within fourteen ( 14 ) days of the date of this letter, it will be deemed a tacit agreement by your acquiescence that the debt is null and void and non-existent and that permanent lawful estoppal will have been gained.

Your failure to provide Proof of Claim in the form of the above reasonably requested specific items will comprise the tacit procuration of XXXX XXXX XXXX  agreement to the following terms and conditions. 

1. XXXX XXXX is a third party interloper with no first-hand knowledge of the facts of the matter. 
2. XXXX XXXX ( or any of its affiliated agents, parent companies, proxies, etc ) does not have the legal right or lawful authority to attempt to enforce collection of the invalid claim and will not attempt to do so in the future. 
3. XXXX XXXXXXXX ( or any of its affiliated agents, parent companies, proxies, etc ) has no authority to adversely affect the credit rating of XXXX XXXX and that any negative remarks made to any credit reference agency will be removed. 
4. XXXX XXXX ( or any of its affiliated agents, parent companies, proxies, etc ) does not have the legal right and lawful authority to sell the alleged liability, pass it back to its client and/or appoint an agent to act on its behalf in this matter.

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 and XX/XX/2021, I reached out to Equifax to inform the company the my mortgage lender was having issues pulling my Equifax report. There is no issues with XXXX and XXXX. After several conversations, they stated that my report did not have freeze, but I'm still unable to pull my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello I just visited US Bank on XXXX XXXX in XXXX XXXX Im very upset because I tried to open an account online and it said it would be successful pending identity verification I came to the place in person and a security guard was very rude following me around and once I talk to the bank teller she told me that I had an account closed on XXXX Of 2021 the bank teller was very rude and they refused to open an account with me she refused to provide an account number and I will not recommend this to any of my friends

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 2021-10-19 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:
This is unfair. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. These unverified accounts affects my scores badly

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Currently we have a mortgage with Rocket Mortgage. After one year they started making numerous phone calls. I finally talked to someone to get them to stop the calls and they told me they wanted to present a proposal for a new mortgage. I told them there was no way they could improve it. They called back later and said I was right. However, without telling me or obtaining my approval they ran numerous reports against my credit. They continuing calling me and harassing me. I have advised them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH LVNV FUNDING LLC. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: TN

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act Law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$590.00} XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXXXXXX Balance : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
About 2 years ago, XXXX/Loan Care purchased our home mortgage from our original lender. The transition was an absolute nightmare where we couldn't get a hold of anyone or even make our monthly payments. This was resolved after a few months of trying. 

Fast forward to pandemic times. We were approved for their forbearance program during the pandemic. We were promised numerous times via phone calls and emails that we would be getting paperwork for a deferment, and it was explained that we would be able to add the deferred amounts to the END of our loan. This was confirmed via phone calls and emails from Loan Care. 

We've called numerous times for the paperwork that they promised they would send on a few occasions, and we are now told ( now that our grace period is coming to an end ) that they are now denying our " approved '' deferral and we must pay in full the deferred amounts, which is impossible and against everything they have promised this whole time and what was agreed upon. 

We also just received a notice of foreclosure if we don't resolve everything within 30 days. This is an absolute scam and sham. The last person we talked to from Loan Care said they can deny this for no reason and " just because ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Common Wealth Mortgage Services
State: UT

Complaint narrative:
On XXXX Intercap Lending through it's agent XXXX XXXX submitted an unauthorized credit enquiry without my consent/approval. The Agent XXXX XXXX was explicitly told not to authorize any credit inquiry prior to my approval yet she went ahead and performed this inquiry impacting my credit score The company details are below : Intercap Lending Home Loans and Refinance XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2021-10-19 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
XX/XX/21 made a purchase of {$240.00} on XXXX after receiving the items I contacted customer support about not disclosing the item ( XXXX XXXX ) wasnt supported by XXXX on their site until we saw a sticker on the box they said it was supported after communication I offered to send a video of the item not working since it was defective they offered to exchange it however it cost {$220.00} to ship it out to their company in the XXXX Ive tried disputing it with my card company and the first was denied I only wish to dispute {$170.00} of the {$240.00} for the item they know i received defective. I dont think its fair that Im stuck with an item that doesnt work I dont have {$220.00} lying around to ship it back out I dont see why they cant provide a label after acknowledging their item doesnt work. I would greatly appreciate any help I could get with this matter. I wanted to return other items with this order as well confirmation of my return request was XXXX. If its not possible to return I at least want to dispute the defective item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
Ok so this has been a long dragged out situation!!! I filed a CFPB report about this already and the situation has only got worse AND they lied to the CFPB in their answer. 

My Father passed away XX/XX/2021 Sadly, I contacted SPS shortly after about his 3 mortgages with them because sadly he was in the middle of the Cares act ( Pandemic relief for mortgages ) and that has to be either modified or extended etc which requires me to be able to speak to them and do either the modification or the extension of the Cares act.

Which means I can't simply just continue payments after he passed, it requires me to deal with SPS.

So they stated I needed to provide the Death certificate to speak on the account, I did, they took 2-3 weeks to " process/Verify/Review '' it, then came back and said " Well sorry you were mis informed but now we need the Will '' I gave the Will. Took over a month to " process/Verify/Review '' the Will which shows me as the executor as well as the property being left to me, they came back with " Sorry you were mis informed AGAIN we need the probate documents signed by a judge '' I start Probate ( not a fast moving situation and even worse being done during a Pandemic ) FINALLY after about 6 weeks, I get the document from probate signed by a Probate Judge!!! SPS once again takes their sweet time ( dont remember how long this time ) to Verify it, comes back NOT GOOD ENOUGH, I speak to a supervisor at SPS who agrees with me and says " this is more then enough im going to resubmit it and you should be all set in 72 hours '' 72 hours pass and NOPE " Sorry you were yet again mis informed, we need the deed transferred over in your name '' I spoke to Probate court this morning and they said it sounds like SPS is playing games and stalling, Probate said what they gave signed by the JUDGE is enough, even said to have SPS call them directly and even speak to the judge, SPS refused.

MEANWHILE SPS is sending foreclosure letters even know THEY are stalling!!! it seems like a scam and Probate agrees as does the Judge!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation