vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 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: GA

Complaint narrative:
I applied for a credit Card with Barclays. I received the card but never activated the card. 
I was then charged a {$89.00} fee on an unactivated card. I was not aware of the charges until my credit report showed 30 day late payment from Barclays. 
I would like Barclays to be investigated for this fraudulent activity. 
Also, Barclays negative reporting the credit agencies and associated cost to be immediately remedied.

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 2022-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The bank employee made huge promises for favourable terms of mortgage and asked to pay a refundable deposit for {$500.00}. However the mortgage was ultimately declined and bank deducted {$130.00} odd for the refund on account of appraisal cancellation charges. I fail to understand that why would someone order mortgage appraisal for a declined mortgage? this does not makes sense. Moreover bank officials never disclosed these charges unless the refund was received. I asked 2 questions through multiple forums and bank never answered it. 1 ) Why would you order appraisal for decline mortgage 2 ) How can charges be levied without disclosure and approval from the client

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 2022-09-08 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: MS

Complaint narrative:
XXXX said they can help pay all of my student loans for free. And I thought that they can remove all of the Dept of Education loan off of my credit report. 

I don't understand why they left some of those on my credit report. 

Unless those loans don't belong to me... or maybe got the wrong birthdate or wrong Social Security Number. 

I told them to give me some validation and show me if this belong to me... 
but they didn't respond to me or chose not to mail me any validation or proof that these belong to me.

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 2022-09-08 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: MS

Complaint narrative:
XXXX said they can help pay all of my student loans for free. And I thought that they can remove all of the Dept of Education loan off of my credit report. 

I don't understand why they left some of those on my credit report. 

Unless those loans don't belong to me... or maybe got the wrong birthdate or wrong Social Security Number. 

I told them to give me some validation and show me if this belong to me... 
but they didn't respond to me or chose not to mail me any validation or proof that these belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: MS

Complaint narrative:
XXXX said they can help pay all of my student loans for free. And I thought that they can remove all of the Dept of Education loan off of my credit report. 

I don't understand why they left some of those on my credit report. 

Unless those loans don't belong to me... or maybe got the wrong birthdate or wrong Social Security Number. 

I told them to give me some validation and show me if this belong to me... 
but they didn't respond to me or chose not to mail me any validation or proof that these belong to me.

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 2022-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-09-08 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. Additionally, this just proves your lack of proper record keeping. Now, this item is reporting to be past due, yet it is closed and the balance is XXXX. Lets correct this immediately! This is your final chance to resolve the inaccuracies on the item : XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/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 2022-09-08 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. Additionally, this just proves your lack of proper record keeping. Now, this item is reporting to be past due, yet it is closed and the balance is XXXX. Lets correct this immediately! This is your final chance to resolve the inaccuracies on the item : XXXX BANK XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am writing to dispute the charge of {$2000.00} that continues to show on my XXXX account as the appliances were not delivered. 

On XX/XX/2022, an online order was placed for a washer/dryer pair and paid using the XXXX financing account. The delivery company XXXX indicated the order was being delivered to XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX. As the delivery address was incorrect, the order was cancelled. Delivery did not take place. 

XXXXXXXX XXXX card is issued by TD Bank N.A. and TD Bank has refused to credit my account {$2000.00} despite the fact that the order was cancelled and appliances never received. 

Thank you for your prompt attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I received an alert regarding a decrease in my credit score reported by XXXX. I checked with XXXX, and a debt collector called EOS CCA reported that I owe {$2700.00}, with an original balance of {$2000.00}. XXXX also reports that the payment status is " seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. '' The account with EOS CCA was opened on XX/XX/XXXX according to XXXX and the original creditor was XXXX XXXX Bank. I did take out a XXXX XXXX student loan in XX/XX/XXXX, but was never notified in any capacity that this loan had been transferred to EOS CCA by any involved parties. The co-signer of the XXXX XXXX student loan was also never contacted. XXXX XXXX 's website also does not report anywhere that this debt had been transferred to EOS CCA, with the last financial disclosure document available for me to download on their website being from XXXX. 

I had absolutely zero knowledge that this debt was owed until XX/XX/XXXX despite the account supposedly being opened on XX/XX/XXXX. I STILL have not received written, electronic, or phone communication regarding this debt. The only reason I found out about it was because my credit score dropped and the bank that issued my credit card alerted me to it. 

The actions taken by EOS CCA have drastically harmed my credit score when I am trying to improve it in preparation to take out a vehicle loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
Called EdFinancial about student loan refund on XX/XX/2022. 
EdFinancial said they would submit request for refund but would not provide confirmation email or timeline for when refund would be made to my checking account. 
I am not happy with lack of support from EdFinancial and unwillingness to provide confirmation of refund request and timeline to when i would receive refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently legally changed my name and want to update my new legal name on all of my Citibank credit card accounts. I went to multiple physical branches and no one could help me as they only deal with checkings/ savings accounts at the branch. 
Instead, they offered me to try their online or telephone customer service. 
I called the number given to me and they could not help me. So, I tried Citibanks online live chat. They tell me they can not help me and I must speak to a specialist who can easily fix the problem. They give me the same exact number I called previously. 
So, I tried calling again. Once again, they can not help me. Instead, they tell me I need to mail my social security info and other very important info to a specific address. Im not mailing important documents like that. 
So, no one at Citibank knows what to do or how to even help me

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 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I applied for a credit card through credit karma who claimed that I had been pre-approved for an offer ( this actually happened more than once! ). However, after submitting my application to XXXX XXXX, my application was denied and my credit score fell by XXXX  points. I waited to get my reason for denial in the mail and was told that my revolving credit amount was too high... understand. But, why did credit karma trick me into thinking that I was going to be approved in the first place? Making me think I had been pre-approved, and since they obviously should know my credit score, I trusted them and got burned. Big sad face!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime
State: NM

Complaint narrative:
In XXXX of 2022 I applied XXXX. for an auto loan which they pulled my credit report and sent me an email told me I was approved for A vehicle with about {$1500.00} down and about $ XXXX month. They pulled a credit report which affected my credit score in which I took time off of work to go in person and fill out the paperwork at the end I was denied. I just find it frustrating that they have guaranteed approval odds. After the credit report hurts your score and the time that you take out of your day to be in their location at the end they deny you after sending you a email and text message saying that you are approved.

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 2022-09-08 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: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX  Account # XXXX XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXXt Account # XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX XXXXt # XXXX XXXX XXXX violated my rights. 

XXXXt Account # XXXX XXXX has violated my rights. 

XXXX  Account # XXXX XX has violated my rights. 


15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1618c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-08 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: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 

XXXX  Account # XXXX XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX  Account # XXXX XXXX had violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX Account # XXXXXXXX XXXX has violated my rights. 


15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1618c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: FL

Complaint narrative:
i first signed up for credit karma about 10 years or so ago, hoping to moniter my credit. 
over the last three or four years i kept getting pre-qualifying offers that said there would not be any harm to my credit file and now i have so hard inquires on my report i am not able to get a loan to buy a house that i have been trying to purchase. 
even after i asked not to receive anymore i do, and they will not remove any 0f the hard inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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:
This is my 10th CFPB complaint submitted regarding the removal of the fraudulent accounts and information being reported on my Credit File. I was a victim of identity theft and that my Personal Information was stolen and used to open these items without my knowledge. I never received any benefits as a result of my identity being stolen. Under the Fair Credit reporting Act section 605b, The Credit Bureaus are required to remove these items from my Credit report and provide any proof of verification if they claim that the items belong under my name. I am submitting this CFPB Complaint to request the Credit Bureaus to please remove the disputed account completely from my Credit Report : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXXT XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00} US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXXXXXX Balance Owed : {$100.00}. The Credit Bureaus ' willful non-compliance with the FCRA statute is a clear violation of a consumer 's rights. If the Credit Bureaus claim that the dispute accounts and information belong under my name, I need the Credit Bureaus to please provide me copies of proof of verification to prove their claims.

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 2022-09-08 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: TX

Complaint narrative:
I am disappointed by the actions taken by the Credit Reporting Agencies and continued reporting the disputed accounts without providing me copies of proof of verification for the accounts the Credit Bureaus claim as verified. I conducted a research with my Credit Report and noticed that : 1 ) there are accounts reporting late payments on my Credit Report even though it is clear that I never missed a payment ; 2 ) there are closed accounts reporting late payments even though the accounts are closed and the balance is 0 ; 3 ) charge off accounts reporting balance or accounts reporting even without my knowledge ; and 4 ) there are accounts reporting on some Credit Bureaus even though it was deleted from the other Credit Bureaus. I am submitting this CFPB Complaint to request that the accounts be corrected and or deleted : XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$6600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief