vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I booked with XXXX for a trip on XX/XX/XXXX. The hotel that I booked the travel for was really terrible. Cigarette smoke. Heavy odor of cleaning liquids. I went online and cancelled the trip. XXXX sent an email and said I will be refunded. They then said I should get a refund as long as I cancel before XXXX pm XX/XX/XXXX. I cancelled at XXXX pm. Now XXXX will not refund the {$96.00} and ask I call the hotel. The hotel is not refunding either. I filed a dispute for XXXX providing all the evidence that I cancelled on time. Now for the XX/XX/XXXX transaction they said they will reopen and investigate it. In the meantime, they have charged the transaction back to my account and then charged me interest on it. I showed ample evidence of the dispute. Attachments and emails showed I followed the process. I cancelled on time before the XXXX pm deadline. XXXX never discussed the evidence with me. All they did was write a generic response that they did the investigation and they are correct. What happened to providing a rebuttal to the evidence I provided. They can continue to write generic responses without actually looking at my evidence of email screenshots and cancellation emails. Nobody reviewed my evidence. They simply ignored it. I was XXXXXXXXXXXX to call me so I can walk the XXXX through the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days 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 stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, I applied for a XXXX XXXX XXXX. I received a denial letter dated XX/XX/XXXX listing the denial reason, Prior Synchrony credit account not paid as agreed. On XX/XX/XXXX, I mailed a letter to Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX, requesting the name of the Prior Synchrony credit account not paid as agreed. As of XX/XX/XXXX, I did not receive a reply from Synchrony. On XX/XX/XXXX, I searched the internet and found a telephone number for Synchrony Bank customer service, XXXX XXXX XXXX. I spent at least one hour on the phone being bounced back and forth between Synchrony and XXXX trying to get an answer. I was given an alternate phone number XXXX XXXX XXXX. I was given a number for XXXX XXXX XXXX XXXX. Each time I spoke to a representative from Synchrony and XXXX, each one referred me back and forth to Synchrony and XXXX. Finally, I mailed a second letter to Synchrony on XX/XX/XXXX, priority mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX the name of the Synchrony credit account not paid as agreed. As of this writing, I still have not received a reply from Synchrony. I am attaching copies of my letters to Synchrony dated XX/XX/XXXX and XX/XX/XXXX and copy of denial letter from Synchrony.

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 2023-01-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022, I requested verification from XXXX for an account. They verified the account there is inaccurate information on my report. 

XXXX XXXX  Date of Last Reported Update has now been changed to XX/XX/2022 due to the XXXX XXXX # : XXXX is incorrect The Date XXXX XXXX XXXX XXXX  is incorrect Date of Last Payment is incorrect Date Closed is incorrect I would like this account to be taken off my credit file. I do not believe the verification was completed and wrong information is still being reported. 

If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is the last time, I will make this complaint because i have an consumer law attorney that is ready to take these credit bureaus to court. 

1. The credit bureaus closed the wrong accounts!!!! I NEVER ASKED FOR XXXX AND XXXX XXXX ACCOUNTS TO BE CLOSED. I ASKED FOR XXXXXXXX XXXX AND XXXX XXXX XXXX TO BE CLOSED ON ALL 3 CREDIT BUREAUS. I NEED ALL LATE PAYMENTS DELETED OFF OF MY CREDIT REPORT! 

2. They missed the deadline of going past 30 days to conclude this issue. Its been more than 15 days and this is not fixed!!! THIS IS AGAINST THE LAW! 

3. I need XXXX AND XXXX XXXX ACCOUNTS BACK REOPENED NOW! I AM TIRED OF THESE CREDIT BUREAUS NOT DOING THEIR JOB!!!!! 

4. THIS IS THE LAST COMPLAINT I WILL BE FILING BECAUSE IF THIS IS NOT FIXED I AM COMING AFTER THEM AND EVERY CREDITOR WHO HAS IMPACTED ME NEGATIVELY BECAUSE OF THEM! THEY HAVE BROKEN MANY LAWS, AND THERE ARE XXXX OF DOLLARS THESE BUREAUS ARE GOING TO OWE ME AND THEY WILL NEED TO FIX MY CREDIT SCORE FOR FREE AND GET ME BACK TO THE XXXX LIKE I WAS YEARS AGO.

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 2023-01-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-10 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: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX my bank ( XXXXXXXX XXXX XXXX  ) sent a payoff check to Prosper Marketplace on my behalf in the amount of {$22000.00} which was the balance shown on my credit report due to extremely slow updating by Prosper Marketplace. The check amount was greater than the amount owed on my loan. When I called Prosper Marketplace on XX/XX/XXXX to inquire why my payoff had not yet been applied to my account I was told by the agent that the creditor ( Prosper Marketplace ) has refused to post the check to payoff my account and cited it was an overpayment and was rejected. They have also stated they still have the check in their possession and will not be returning it to myself or my bank and that a new check needed to be sent to them for the correct payoff amount. My bank ( XXXX XXXX XXXX ) is stating there is nothing they can do until the check is retuned to them by Prosper Marketplace. Meanwhile I still have an open loan with Prosper Marketplace that is accruing interest and requiring monthly payments as well as an open loan with XXXXXXXX XXXX XXXX that is also accruing interest and requiring monthly payments and neither company wants to take responsibility for the {$22000.00} that is just out there that I have am being held responsible for payment of but have not received any benefit of the funds.

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 2023-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
My mom put me as a authorized user onto her Capital One card but I didnt know or ask I wasnt aware so with that being said she fell behind on her card and its causing my scores to drop significantly I would like to be taken off as a authorized user and correct my scores please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
I have been trying to dispute and or pay this debt to get it off my report for months. I have left messages, emails, and waited for hours on hold multiple times. I can never get anyone on the phone or talk to anyone. 

It is account number XXXX For a XXXX XXXX XXXXI never received any phone call or mail initially regarding this debt. Only learned about it when applying for mortgage

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/XXXX Opened account online with PenFed Federal Credit Union at XXXX. 

XX/XX/XXXX Sent an email to close this account at XXXX. 

XX/XX/XXXX Received a response via acknowledgement email from PenFed at XXXX to confirm closure and current mailing address. 

XX/XX/XXXX Provided confirmation via email at XXXX with the information XXXX requested. 

XX/XX/XXXX Received an email from PenFed stating unable to process this request via email due to amount of funds on hold. I will need to contact a Member Service Representative at XXXX to complete this request. 

XX/XX/XXXX XXXX with XXXX at PenFed who advised that I needed to call back on XX/XX/XXXX. 

XX/XX/XXXX Spoke  with XXXX at PenFed who claims unable to verify my identity after correctly answering all questions he asked. 

I called later on that morning, spoke with XXXX who advised account on hold until Tuesday. She claims unable to assist further. 

I called back again that same day, spoke with XXXX who advised account on security hold and required certain documents. I submitted my Drivers License and received a confirmation email. 

XX/XX/XXXX Spoke with XXXX at PenFed verified my Account number, Date of Birth and email address as requested. She sent me a verification code via text to which I provided back to her. XXXX, indicated that a Cheque in the amount of {$2500.00} would be sent to my address on file. This will be after a XXXX hours review. 

XX/XX/XXXX Spoke with XXXX at PenFed who claims that I must provide the following in order to close this account : 1. Color copy of my Driver License 2. My Social Security Card 3. Utility Bill 4. A statement requesting closure of my account Please assist me in obtaining my money from this company PenFed Federal Credit Union. 

Thank you! 
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 2023-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: RI

Complaint narrative:
On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX  tax collector sent a letter informing my fiance and I that we had an outstanding balance owed on our XXXX real estate taxes. We had refinanced our previous mortgage XX/XX/XXXX and verified with the closing agent that they had appropriately applied escrow funds for taxes owed. At the time of receiving the letter, I attempted multiple times to resolve the escrow shortage with the Lakeview loan servicer, XXXX. In addition, the insurance broker I have used for years attempted to call them for the hazard insurance. When the broker called, XXXX stated they had no record of my loan. During my attempts to resolve, they would claim to research and call me back but never did and now 7 months later I can not resolve this issue. By reviewing the payments on the Lakeview loan servicing website, I can see funds posting as XXXX XXXX and XXXX XXXX XXXX XXXX. However, the amount listed {$2600.00} is not our quarterly escrow amount. It should be {$2200.00}. I have asked for copies of checks and evidence of where the funds were sent to. If we can obtain this, we can see where these funds were applied to. We were informed by the XXXX XXXX XXXX XXXX XXXX XXXXXXXX collector that the amount {$2600.00} does appear to be the amount owed for our condo association builder ( XXXX XXXX XXXXXXXX XXXX ). But we can't get XXXX to work with us or provide the documentation needed to resolve this. My fiance had posted a poor review on the XXXX XXXX XXXX  and Lakeview reached out to state they are opening a case but passed it back to loan servicer XXXX. We do not want this issue to continue being unresolved. Our escrow balance went into a shortage, our taxes are not paid, and our mortgage payment increased to account for a shortage created by XXXX in the first place.

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 2023-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
My mortgage servicer, BSI Financial Services, has improperly raised the rate on my adjustable rate mortgage. The note limits the increase to 2 % during each XXXX year interval. The rate was increased by 0.125 % as of XX/XX/XXXX and 2.0 % as of XX/XX/XXXX. I have now received notice of a 2 % increase as of XX/XX/XXXX. The increases are outside of the terms of the mortgage note. The note says " In no event, will my interest rate be increased or decreased by more than two percentage points during each one year interval following the first Change Date and each anniversary thereof. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My mom put me as a authorized user onto her XXXX XXXX XXXX but I didnt know or ask I wasnt aware so with that being said she fell behind on her card and its causing my scores to drop significantly I would like to be taken off as a authorized user and correct my scores please

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 2023-01-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My mom put me as a authorized user onto her XXXX XXXX XXXX  but I didnt know or ask I wasnt aware so with that being said she fell behind on her card and its causing my scores to drop significantly I would like to be taken off as a authorized user and correct my scores please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My mom put me as a authorized user onto her XXXX XXXX XXXX but I didnt know or ask I wasnt aware so with that being said she fell behind on her card and its causing my scores to drop significantly I would like to be taken off as a authorized user and correct my scores please

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 2023-01-10 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My card was charged for repeated transactions amounting to tXXXX  of dollars. The initial transaction was for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed disputes with all XXXX of the XXXX XXXX XXXXo remove all addresses and misspellings of my name and yet they keep coming back and keep showing up I have filed dispute letters, and yet of no avail.

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