vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
CapitalOne XXXX offered a product for purchase at a savings, CapitalOne 's partner XXXX completed a bait and switch. CapitalOne claims this isn't fraud, but instead a dispute. Spending ridiculous time with phone calls and correspondence. CapitalOne allowed me 9 business days to dispute their claim the the offer is legitimate. 

The entire transactions happened on XX/XX/2021, within minutes of realizing it was a bait and switch I called CapitalOne to let them know of the fraud, the told no this is a dispute. They offered a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$57.00} and {$3.00} Sales Tax, instead they informed me that I would receive a hard case for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not the XXXX XXXX. 

I received a letter form CapitalOne dated XX/XX/2021 received on XX/XX/2021 claiming that I didn't follow XXXX 's return policy, but not only didn't XXXX provide return instructions but CapitalOne XXXX is calling it a dispute. I just spent the last four hours re-disputing this bait and switch and am frustrated with the dance CapitalOne is forcing me to complete.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29 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: GA

Complaint narrative:
All credit bureaus obtained my XXXX XXXX filing with the courts with XXXX XXXX XXXX in XXXX VA without my knowledge or without consent of the courts. The courts advise they do not release any confidential information to any credit bureaus. I would like this information removed from all company 's records as it is causing issues with my current life status. 

Experian XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have requested written verification of this debt from this company on multiple occasions. To this date, I have not received any documents validating this debt. All correspondence was? sent via certified mail delivery # ( XXXX ) XX/XX/2021 LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX ACCOUNT # XXXX AMOUNT : {$2600.00} I have attempted verification also by way of disputing with the credit bureaus also. Verification was not provided from XXXX, XXXX, and XXXX who all continue to report these unverified negative marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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 have been a customer with your company since XX/XX/2018, and during that time, have enjoyed our experience with XXXX greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have two late payment ( s ) on the above referenced account in XX/XX/2018 and XX/XX/2018. Since that time, I have been an exceptional customer paying every month on time and never 30 days late.

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 2021-12-29 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:
After obtaining a copy of my consumer report. I seen that they were numerous unauthorized transactions furnished onto my consumer report. I never gave him an information for any of this to be furnished. An so to use my Social Security number an personal information without my consent is fraud an identity theft. I cant believe that this company would furnish these fraudulent inquiries and accounts on my consumer report without even contacting me. Or getting some type of written permission from me. I have to speed of these inquiries and accounts numerous times. These accounts are in violation of my consumer rights. This has caused me extreme stress lost of sleep. An caused me to get denied for numerous things which I consider damages.

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 2021-12-29 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: CA

Complaint narrative:
After obtaining a copy of my consumer report. I seen that they were numerous unauthorized transactions furnished onto my consumer report. I never gave him an information for any of this to be furnished. An so to use my Social Security number an personal information without my consent is fraud an identity theft. I cant believe that this company would furnish these fraudulent inquiries and accounts on my consumer report without even contacting me. Or getting some type of written permission from me. I have to speed of these inquiries and accounts numerous times. These accounts are in violation of my consumer rights. This has caused me XXXX XXXX XXXX XXXX XXXX An caused me to get denied for numerous things which I consider damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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:
After obtaining a copy of my consumer report. I seen that they were numerous unauthorized transactions furnished onto my consumer report. I never gave him an information for any of this to be furnished. An so to use my Social Security number an personal information without my consent is fraud an identity theft. I cant believe that this company would furnish these fraudulent inquiries and accounts on my consumer report without even contacting me. Or getting some type of written permission from me. I have to speed of these inquiries and accounts numerous times. These accounts are in violation of my consumer rights. This has caused me extreme stress lost of sleep. An caused me to get denied for numerous things which I consider damages.

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 2021-12-29 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: PA

Complaint narrative:
I send a lettter to the credit bureaus on XX/XX/2021 certified mail stating that i never gave them consent to report these accounts on my report these things or hindering my identity. 
According to 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Under the U.S code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and XXXX XXXX XXXX XXXX and Federal Trade commission.

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 2021-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have send three rounds of certified letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all in 2021 ) for the correction of my TransUnion credit report for inaccuracies and for TransUnion to send me an updated credit report. XXXX has ignored my letters and when I've called them multiple times on the phone they have placated me with promises that they would update my file and send me corrected reports. I have received nothing and have been ignored completely. I'm at wits end, please assist 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 non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE OBTAINED MY INFO AND OPENED ACCOUNTS IN MY NAME. THIS IS CAUSING ME SO MUCH HRDSHIP. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: FL

Complaint narrative:
XX/XX/XXXX, I filed a dispute a dispute against XXXX XXXX XXXX, a debt collection company for non-compliance. The dispute was filed with 3 major credit bureaus Equifax, XXXX and XXXX. It has been over 30 days the collection account is still reporting on my credit report. These accounts have been verified by XXXX XXXX XXXX as closed and should be deleted from my credit profile. These collection accounts should have never been placed on my credit report. The accounts have been paid by my health insurance company. I would like each credit bureau to reinvestigate the dispute or contact the collection agency to verify the status and delete the accounts as soon as possible. XXXX XXXX XXXX XXXXXXXX confirmed payment for date of service XX/XX/XXXX. A complaint was previously filed CFPB complaint ID # XXXX and EQUIFAX, again submitted a generic response without investigating the complaint. Equifax has been provided with documentation supporting removal of the two collection accounts from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been violated by Experian. My last few complaints were about the removal of inquiries as a result of identity theft. After a few complaints submitted, all inquiries were removed from my credit report as per my request. Because Experian has admitted that their practices are in fact abusive and deceptive by deleting the inquiries, they are liable to compensate me pursuant to 15 U.S. Code 1611 and 15 U.S. Code 1640. Pursuant to 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' This U.S. Code was used when disputing the inquiries on my credit report and the inquiries were successfully removed. Experian admitted to their unlawful practices and is legally liable to compensate me with monetary remedy for the damages done to me. I have sent several rounds of letters with invoices included. Please compensate me for the damages done.

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 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, SD XXXX branch and headquarters owes me a {$50.00} refund after I paid {$50.00} on a pre-pay debit card that was never applied to my account and closed by Wells Fargo in XX/XX/2020. I was told by the Wells Fargo XXXX ( XXXX ) XXXX customer service number a {$50.00} check would be mailed, and should arrive in early XXXX and it never did arrive, only Wells Fargo Card Services billing statement showing - {$50.00} charging my bank account frivolously.

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 monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I opened a dispute with Affirm due to the company I went through for dog training ( XXXX XXXX  XXXX ) filing for bankruptcy, announcing layoff of staff and closing business effective immediately after 2 days of our dog being in there board and train program. In the email we received, they stated the owner would continue to finish the rest of the board and trainings but if we felt uncomfortable we can take our dog out at anytime. Originally when we dropped off our dog we were promised daily pictures and video updates and additionally there were about 10 trainers and our dog was to receive training every hour. After 3 days of receiving no updates, we chose to pull our dog out based off their email because the service we were promised was not being provided- we stopped receiving any updates and we didnt feel that 1 person was going to provide the same level of training as 10 trainers. I opened the dispute with affirm and provided all information pertaining to the events, emails recieved and conversations had and on XX/XX/XXXX they closed the dispute in favor of the merchant claiming that Upon the review of the evidence that you have submitted, we have determined that services would have continued as normal per the emails that were submitted. Due to this we have sided with the merchant. 

I will attach the original evidence I sent to affirm which includes my experience with XXXX XXXX XXXX, the emails they sent to us, and XXXX XXXX on their page from others who are experiencing the same issue of them accepting money then filing for bankruptcy with no offers of a refund. 

After the dispute with closed with affirm, I called and they stated that decision was made based off XXXX XXXX XXXX sending over their contract stating that no refunds are given after training starts. XXXX XXXX XXXX has made it impossible for consumers to get in touch with them and states everything will go through their bankruptcy lawyers but seems to continue to communicate with Affirm as an effort to keep money from clients who didnt receive services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: IL

Complaint narrative:
I filed a FTC Identity theft report and I got it notarized and I certified mailed it the Transunion on XX/XX/2021, along with a copy of my Drivers License, Social security card, utility bill and a statement from me that the information is not information relating to any transaction by me.. The USPS said Transunion received it on XX/XX/2021. I called to day to check on the status of the fraudulent accounts, names, addresses and inquiries being blocked. I was told by supervisor XXXX that everything was put in disputes and would take 30 days from XX/XX/2021. So it won't be complete until XXXX XXXX. I asked how it this possible when the 15 USC 1681c-2 states ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am in the process of Refiancing, Mortgage is with Chase bank Refiancing with XXXX XXXX I have been asking Chase for Pay off figure for 8 days and they still have not given to me I missed closing date and now I might lose my rate. I have called them 6 times I have emailed them 8 times Please help me. Regards XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXBalance {$6400.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX-Balance {$13000.00} XXXX XXXX-Balance {$2200.00} Date Opened : 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 2021-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bilateral Credit Corp, LLC
State: TX

Complaint narrative:
My last day with XXXX should have been XX/XX/2021. 

Due to some internal technical error I kept receiving a full pay check. I believed the check dated XX/XX/2021 was my final check. When I continued to receive checks I notified my XXXX  team lead, manager, and XXXX members of XXXX. This continued until they had direct deposited over XXXX. 

I make the following claims XXXX : I never entered into a written agreement with XXXX  for them or their assignees to be able to make any claims against my credit score XXXX : I maintain that I did my due diligence in reporting the technical issue to XXXX as soon as I realized there was a problem. Their inability to correct this issue is not my fault and I in no way should be liable for their mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Turning Point Solutions LLC
State: TN

Complaint narrative:
I have asked this company multiple times to stop calling me. I do not owe this debt. They keep asking for someone else, and it is not me. I have repeatedly told them this. They keep calling and leaving voicemails. 

Dates and Times of Calls : XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XXXX  XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX  XX/XX/21 XXXX There are many more instances, but these are the only ones where the caller ID showed Advanced Capital Solutions XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation