vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 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: FL

Complaint narrative:
I purchased two tickets for the XXXX XXXX immersive show from XXXX and was billed {$82.00} on my Capitol One credit card on XX/XX/21. Thereafter, I received an email from XXXX that it was not going to open on time and I could get a credit for the {$82.00} to buy new tickets at a later date. I ordered new tickets for XX/XX/21 but did not get a credit for the {$82.00}. I tried to contact XXXX but it did not refund my money. I then called Capitol One and made a complaint. Capitol One initially credited me the {$82.00} and contracted XXXX. Fever told Capitol One that to credit me the {$82.00} I would have to withdraw my complaint. I said I didnt want to but Capitol One said it could not help and actually charged me twice ( two payments of {$82.00} ). I called Capitol One and was told the double charge was a mistake and they would credit me one payment. I contacted XXXX again and have still not received a refund of the {$82.00}. I do not see why Capitol One will not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Home Loan Center, Inc.
State: FL

Complaint narrative:
Today, XX/XX/XXXX, I was told I was approved for an unsecured loan by Lending Tree, a supposedly reputable company. They obtained my bank information as well as my driver 's license. Being in poverty my whole life, this didn't seem terribly out of the ordinary, but once my account was restricted after their " test deposit '' that I was supposed to withdraw and send back via a prepaid card, which made my hackles go up. They have threatened me with a federal chargeback after their " test deposit '' of {$910.00}. Fortunately, my bank account is now restricted and I have filed a fraud form with my local DMV.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
My Citi bank credit card many times decreased our credit limit with no adverse info in our report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: United Revenue Corporation
State: TX

Complaint narrative:
Please notify this Bureaus such as XXXX to remove this account from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
Good Afternoon. My name is XXXX XXXX XXXX. I received something in the mail from Sequium Asset Solutions in regards to a XXXX Debt that I do not owe. This letter is dated XX/XX/21 and I just received it today. It came from XXXX. It shouldn't have taken 7 days to get to me, but nonetheless, this is a debt that I do not owe. This is the 3rd or 4th time that it has been sold. Everytime that I dispute it due due to fraud, it is removed, it gets sold to another company. I am tired and over it. This debt does not belong to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MA

Complaint narrative:
I applied for a refinance of my mortgage in XX/XX/XXXX and the closing was not finalized until the end of XX/XX/XXXX. I had to make consistent follow up with Loan Depot and submit my financial records twice. It finalized closed the end of XXXX. I advised I was seeking a 30-year fix mortgage and I wanted my homeowners insurance and my taxes on the property paid with my mortgage. Loan Depot agreed. 

Prior to refinancing with Loan Depot my outstanding Mortgage was {$340000.00} with XXXX. To refinance with Loan Depot at a lower rate my mortgage increased to {$340000.00}. That was a surprise. I asked why waws there such an increase. I was advised it was the funding of the mortgage, taxes, and homeowner insurance through escrow - and my monthly payment would be {$1700.00}. 

I made my payments for XXXX, XXXX XXXX, in the amount of {$1700.00} with additional money on the total owned. in XXXX I advised there was a shortage in my escrow and my new loan payment would increase to {$2200.00}. 

I've asked Loan depot to transfer the additional money paid on the loan to my escrow. I finally realized that loan depot had not been trueful with me when they set up my loan. I was told my XXXX XXXX at Loan depot that I could pay my own taxes and insurance, but the loan was written to pay my taxes twice a year, not four times a year. It took several phone calls and email to the XXXX MA XXXX XXXX and Loan Depot to determine they were not being trueful about my taxes. Several times I was informed that the taxes had been paid but this was not the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/2021 Experian Remove the following accuracies found on my credit report : I have never been sent proper validation. 

Remove XXXX XXXX  a.k.a. XXXX, Account XXXX due to inaccuracy in dates of last payment. 
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed. 

Remove XXXX XXXX  a.k.a. XXXX, Account XXXX for inaccurate information. 
Claims inaccurate information. 

The description of the procedure used to determine the accuracy and completeness of the information has never been reported to me even after numerous disputes and requests. 

Name, address, and telephone number of each person contacted regarding this alleged account was never reported to me even after numerous disputes and requests. 

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed was never reported to me even after numerous disputes and requests. 

Please remove these accounts expeditiously! 

Send me a new credit report reflecting these changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: MidAmerica Mortgage Inc
State: FL

Complaint narrative:
Companies or lenders obtained my personal information either fraudulently or had no authorization to request or obtain my credit report. I have tried to persuade companies and credit bureaus to actualize or update inaccurate or unlawful obtained information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: Long & Foster Financial Services, Inc.
State: FL

Complaint narrative:
Companies or lenders obtained my personal information either fraudulently or had no authorization to request or obtain my credit report. I have tried to persuade companies and credit bureaus to actualize or update inaccurate or unlawful obtained information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Monday XX/XX/21 spoke with a lady at Synchrony Bank in regards to a balance of {$3100.00} for a XXXX XXXX. She stated I had never made any payments for my XXXX XXXX with Synchrony Bank. I explained that I did and that I have bank statements proving it and that I closed the account after paying it off. She said to fax the documents showing my payments. 
XX/XX/21 at XXXX I faxed screenshots of my bank account showing payments made to XXXX XXXX. 
XX/XX/21 I call to confirm receipt of my fax. Was told yes, that it was received, and explained what was happening. The gentleman kept repeating that I owed this debt. I told him no, I dont I paid this off and I closed the credit card. I told him I was never contacted that I owed any balance and when I closed the account out there were no issues, not until I recently applied for a new XXXX XXXX and was denied. Since then I have received calls everyday in regards to having a balance. This gentleman then transferred me to the XXXX XXXX. The young lady I spoke with next stated that my screenshots were not sufficient, that they need to be from the bank on their letterhead showing the transaction to XXXX. I said it doesnt show Synchrony, it shows it was paid to XXXX XXXX XXXX I paid this through the XXXX app. 
So, XXXX now at my bank, XXXX XXXX, XX/XX/21 and explained to them whats happening and the teller pulled up my account and said its showing XXXX XXXX not synchrony. Came out to my car, called my local XXXX. Explained my situation and the lady said she had the same thing happen to her but she doesnt remember how she had it rectified. She tried putting me through to a manager, but no one ever answered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: MI

Complaint narrative:
I have an unauthorized inquiry on my credit report that I would like for to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: Verified First, LLC
State: DC

Complaint narrative:
XX/XX/21 There are things on my credit report that should be erased ... Things that are court dismissed, but, does not show on credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I purchased my car through HSBG XXXX XXXX XXXX for {$19000.00}. I am trying to obtain the title on my car that has been paid off for 10 years. The loan was in XXXX for a 6 year loan. I am trying to obtain the title but ADOT in Arizona states there is a lien by mentioned company. I understand that the business does not exist anymore. I have tried for hours to find out who is holding the title to no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: GA

Complaint narrative:
I went to look at my credit because I'm in the process of purchasing a home. I see several inquiries on my credit report that I did not authorize to be ran. Please remove these inquiries from my credit XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX  Of XXXX XXXX from XXXX XXXX, XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX  Of XXXX XXXX from XX/XX/XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX  XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from 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 2021-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have seven negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop XXXX I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have seven negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
Original Creditor XXXX XXXX XXXX Collector is Radius Global the account was open XXXX XXXX the amount is for {$780.00} XXXX put in a fraud claim with XXXX and i also spoke to XXXX XXXX works as well as radius global i have no knowledge of this account please block and remove from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I requested a Covid 19 extension from the lender for 3 months in early fall XXXX. I requested a second extension for XXXX and XXXX of XXXX. The paperwork for the extension agreement had not come initially and it took weeks of phone calls trying to get them to email ( personal and work ) and send to my home mailing address. Anyway after many phone calls and email I finally got the initial one for the early fall and I signed it and mailed it in and by this time it was XXXX. 

Moving ahead, same multiple phone calls to this company and the second extension did not arrived. I then received a notice from a collector for the lender. Arrangements were made to settle the loan and an amount lesser than the loan balance. I received a letter from the collector in XXXX ( unfortunately I do not have a copy as it is in California in storage ) and requested a second proof letter on XXXX which is attached showing paid in full. Proof of payment on XXXX is attached. See the letter they sent me XXXX that says there is still a balance. However, when I call their customer service/title department they acknowledge that it has a XXXX balance and is settled in full. 

In the interim I have disputed with the lender because they were not sending my title after I requested the title on two separate occasions one in XX/XX/XXXX and again in XX/XX/XXXX. I was told the title would be mailed to me in Nevada even though the motorcycle is registered in California which is where I also bought it. Each time I have moved I notified the collector/lender. 

I am at my wits end. I had XXXX XXXX XXXX on XXXX and am still on XXXX. Every time I try to get this issue resolved, it stresses me out and is not good for me. I don't know what else to do and need some help. That is why I am reaching out to you. In fact, I've had witnesses when I call them and they have seen how often I get transferred around. Its horrible. Please help. I'm providing as much documentation as I have with me. Unfortunately, I am in XXXX, NV because I got sick here and had to have XXXX. I am not a permanent resident of Nevada and am currently staying with a friend while I attend doctor appointments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
This bank is only open and operates by charging people fees even in a pandemic money hungry husband battling XXXX XXXX XXXX  with second XXXX. On XXXX XXXX  every 2 weeks costing XXXX for a month supply. So much money to the banks cant even get my monthly bills paid. Over XXXX in one year. Yet they have nerve to tell me they helped me they have not. Employees rude disrespectful even discriminate low income barely making it customers. Parents opened this account years years ago this bank doesnt care about loyalty suppose to charge one fee now telling me they are going to charge me 4 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: GA

Complaint narrative:
I opened a dispute with Experian on XX/XX/21 for a Bankruptcy being reported by XXXX XXXX. I uploaded a document from XXXX XXXX dayes XX/XX/21 that states they removed the bankruptcy from my XXXX XXXX report because they could not verify the bankruptcy was mine. Experian closed my dispute today XX/XX/21 stating they verified with XXXX XXXX it was mine. I called them today and they stated I have disputed too many times and that why they closed it. They said if I want it removed I need to contact a lawyer and remove it from my public records. When I told them the court is not reporting the bankruptcy, it is XXXX XXXX, they said it doesnt matter. I ask to speak to supervisors and none are available. Im still waiting for previous requests to be contacted

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