vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 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: MA

Complaint narrative:
I recently set up automatic payments to be deducted from my XXXX charge card. On XX/XX/20 XXXX processed my automatic payment. My bill was XXXX they took my automatic payment out but then for some reason reversed the payment. I had no knowledge that my payment had been reversed. This caused my account to fall into delinquency without my knowledge. I only knew about it a month later because XXXX XXXX alerted me about a late payment. I called XXXX got my account up to date. They gave me back the late fee and told me this would not effect my credit. However it was reported that it was over 30 days late so now I have a negative remark on my credit report. When you set up automatic payments you are trusting that all your payments will be made on time. This was an error on XXXX behalf and should not reflect my credit score in anyway. I have been a valued customer and had a charge card for 9 years with them but now I don't feel so valued as they are not helping me to fix this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: TX

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-12-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: MD

Complaint narrative:
Annual Escrow Review Shortage Excessive! 

They are claiming I'm short {$3800.00} or I can have my payment go from {$1500.00} to {$1900.00} I have contacted the mortgage company on XX/XX/2021 to get a resolve to dispute the amount they are requesting. I had spoke to three people that day and each one gave a different answer with two disconnecting which I then had to call back each time. The great brush off. Each time getting a different person. The last person XXXX assured me they would investigate my complaint and have a resolve for me no later than XX/XX/2021. He took my email address and had the phone number. As of today no reply. 

The problem that has caused this shortage was the lender paid a full years taxes in XXXX and not a semi annual. I have papers that were signed and the lender disclosure the taxes were to be paid semi-annual. I explained the situation to each party. The first person reviewed the documents and told me I was correct and she would send me to the tax department. Waited on hold for quite a while then the line went dead. XXXX told me I would have to pay the overage or make the mortgage payment they gave me until the next time they did an escrow review. I understand that taxes and insurance do increase and the escrow be short. The escrow is not short the amount they are claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: MI

Complaint narrative:
During the pandemic I was not using any of my credit accounts due to the everything being shut down and a lot of uncertainties and Capital One closed my Saks first due to not using it and also after 2 years of having the card and keeping it current wouldnt increase the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.

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 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: NY

Complaint narrative:
I am writing in regards to my account which was recently transferred to Huntington Mortgage Co. I was not notified prior to the transfer and my loan was on auto pay prior. Since I was unaware of the transfer I couldn't make sure to transfer the autopay. I was only made aware once my account went delinquent in XX/XX/2021. I made the payment immediately and set the autopay up so this does not happen in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/21, A fraudulent dispute was made on my BoA credit card. I immediately reported it to BoA and they refunded the charge and they replaced the credit card. This charge was later re-added to my card as a fee from BoA on XX/XX/21. This is absolutely a fraudulent charge and I am not able to dispute this and remove it.

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 2021-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I trying to understand the modification i received with a defer payment of {$38.00} owed at the end of the loan. I have written in past and the problem was cured. But what alarming is the new modification in 2017 that I'm unfamiliar with that agreement. I ; m in need of clarity. I'm on time with mortgage payment and defer payment is issue, The modification need to transparent for the resident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: NC

Complaint narrative:
After finally getting my report I saw incorrect information such as my name, address and many inquiries I did not authorize. I need to have the following incorrect name, XXXX XXXX, XXXX XXXX, removed. I need to have the following address, XXXX XXXX XXXX XXXX, NC XXXX removed. I have 9 inquiries I did not authorize : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN

Complaint narrative:
I tried to send money for the first time to XXXX using debit card to debit card as they advertise. They said it would take max a week and after 15 days I contacted them to see what was going on and they said that the money is in process. I requested a refund and now they are not helping me anymore and they have my {$1500.00} plus the fee. 

Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21 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: TX

Complaint narrative:
It all started when I was receiving mail to my address with another young lady name on the mail from XXXX Bank. I was the first one to live in the home ( it was brand new when I moved in ) Also I worked for the management company and I knew of all residence that lived in the homes. No one by the name of the mail I was receiving lived there. Then I noticed on all three of my credit files that I had 3 XXXX Bank accounts listed on there. The only XXXX Bank on my credit files that is mine was my XXXX card, but XXXX XXXX Bank is now over the XXXX credit cards. 

I them contacted the creditor XXXX Bank and they immediately closed the accounts and sent me letters stating that they asked all 3 bureaus to remove the accounts from my files and they have not! The bureaus are aware of my credit files being mixed, identity theft and fraud on my files for some time now. 

Experian has my credit usage at almost 500 % and that is due to them keeping those fraudulent accounts on my credit files XXXX and XXXX still have the accounts on my files as well but they have not increased my credit usage like Experian did. 

All bureaus are also listing that I have late payments on my credit files due to those fraudulent accounts. 
They have police reports on file for me as well for identity theft and fraud, I am trying to purchase a home and this is ruining my chances of that. This is my last try to have this fixed before my attorney and I file with the courts on all 3 bureaus! 

They need to remove all 3 accounts from my credit files and correct my credit usage immediately My scores dropped over XXXX points because of this taking me from good credit to bad, all 3 bureaus have these accounts as closed on my credit files in bad standing instead of removing them!

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 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One was deliberately allowing a third party to overdraft my account so that they could charge me overdraft fees themselves, and not to mention the numerous times I called Capital One informing them to process and honor my rent payments before anything else processed of which they would do the complete opposite. This financial institution did not have my best interest at all, due to it was a no win a loss the more I called, the more rude the customer service got. Now I can not open a bank account due to this is in check system and I did not know who to reach out to for assistance until now with banking institutions. Can this be removed so that I am able to open another bank account that does not have to be a XXXX XXXX  bank. This was some illegal targeting. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I want to report that on XX/XX/2021 I used XXXX  and my Arvest bank account to pay for XXXX tickets that I ultimately did not receive. I have reported this with the Federal Trade Commission. The Federal Trade Commission has directed me that I am entitled to request my funds be returned to my account and ask Arvest to pursue the individuals involved in the transaction. Arvest has not even responded to my attempt to inform them of the situation. 

Payment of {$370.00} through XXXX via Arvest to XXXX XXXX XXXX XXXX XX/XX/2021. 

There was a man involved, or at least a mans name being used, XXXX XXXX. The email address associated with the above transaction is/was XXXX He reported that XXXX is his wife and the account is through her.

I found out that this happened to another person on the ticket site from this same " seller '' but he was selling hockey tickets ... .under the same name, on the same site, after he did this to me.

I hadn't reported it sooner because I wasn't aware the tickets he sent to my email were not valid. They appear valid but are not. 

It's Extremely misleading to have XXXX  on the Arvest banking/billpay page. The implication is that XXXX  is trusted by Arvest and therefore the consumer will be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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 sent letters to XXXX, XXXX and TransUnion on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been an American Express member since 1983, I have a XXXX American Express XXXX XXXX ( for which I pay a stunning {$5000.00} in and I have spent more than {$3.00} million on the card in the past few years- I had thought I was a good customer. I even have a dedicated line ( XXXX XXXX XXXX ) which is supposed to reach my " XXXX XXXX XXXX. '' I called this evening ( XX/XX/XXXX ) at XXXX XXXX and was on hold for 21 minutes before the phone went dead. In short, it is impossible to reach " dedicated '' customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
My account was closed due to inactivity and I was never late with payments and now they are saying the credit limit is the debt i have to pay. I tried to get Victoria secret to release my account and they wouldnt. They told me I had to pay first then open up a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: TX

Complaint narrative:
ATTN : REGISTERED AGENT FOR SELF FINANCIAL , INC Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. 
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports Remove all remarks or comments off my consumer report. 
Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature. 





1. Name and address of the original creditor who created the debt.

2. Name on file of alleged debtor. 
3. Alleged account # 4. Address on file for alleged debtor. 
5. Amount of alleged debt.

6. Date this alleged debt became payable.

7. Date of original charge or delinquency.

8. Was this debt assigned to a debt collector or purchased? 
9. Amount paid if debt was purchased.

10. Commission for debt if collection efforts are successful.

11. Documentary evidence that this agency is in fact the holder in due course.

12. Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ). 
Please provide the name and address of the bonding agent for SELF FINANCIAL, in case legal action becomes necessary : Authorized Signature of Creditor : You must return this completed form along with copies of ALL requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within thirty days from the date of your receipt of this letter. Please be aware I understand falsifying and concealing documentary evidence of statements of entries is punishable under Title 18 U.S.Code 1001 for up to five years of imprisonment.

Without the information which is required by law for your offices to have on file there is no valid way that your office can validate any alleged debt. 
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

To acquiesce or failure to comply with the requirements of this notice would be admittance to stating there is no proof of claim for this alleged debt, you agreed to discharge the matter accordingly not sell or assign this matter to another agency, as well as remove the false allegation off of all of my consumer reports and will compensate me accordingly in the amount of the presented invoice in good faith and ordinary care for the financial damage caused by the reporting false allegation. 
Your prompt attention and response is both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: TX

Complaint narrative:
It all started when I was receiving mail to my address with another young lady name on the mail from XXXX Bank. I was the first one to live in the home ( it was brand new when I moved in ) Also I worked for the XXXX XXXX and I knew of all residence that lived in the homes. No one by the name of the mail I was receiving lived there. Then I noticed on all three of my credit files that I had 3 XXXX Bank accounts listed on there. The only XXXX Bank on my credit files that is mine was my XXXX card, but XXXX XXXX Bank is now over the XXXX credit cards. 

I them contacted the creditor XXXX Bank and they immediately closed the accounts and sent me letters stating that they asked all 3 bureaus to remove the accounts from my files and they have not! The bureaus are aware of my credit files being mixed, identity theft and fraud on my files for some time now. 

XXXX has my credit usage at almost 500 % and that is due to them keeping those fraudulent accounts on my credit files XXXX and Transunion still have the accounts on my files as well but they have not increased my credit usage like XXXX did. 

All bureaus are also listing that I have late payments on my credit files due to those fraudulent accounts. 
They have police reports on file for me as well for identity theft and fraud, I am trying to purchase a home and this is ruining my chances of that. This is my last try to have this fixed before my attorney and I file with the courts on all 3 bureaus! 

They need to remove all 3 accounts from my credit files and correct my credit usage immediately My scores dropped over XXXX points because of this taking me from good credit to bad, all 3 bureaus have these accounts as closed on my credit files in bad standing instead of removing them!

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