vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
My Credit report was marked for collections on XX/XX/XXXX ) for the amount which was already settled in year XXXX. 
I received a letter from collection agency stating i have 45 days to pay the pending charges the letter was produce on XXXX XX/XX/XXXX and the company reported the account for collections on XX/XX/XXXX. 
This is complete unfairness, Firstly, i did not received a advance letter that gives me heads up that my account will reported. 
Secondly, i was given 45days to pay and before the deadline was finish the account was reported for collections on my credit report. 

I fully understand that they companies wait till you apply for mortgage or some kind of loan and then they damaged the account. 

I have filed a dispute with XXXX  already and I need to know if you guys can help in this regards. Thanks You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
I decided to set up auto payments every two weeks including a small amount extra to go towards principal so that I could pay off my mortgage quicker. As I was finishing up the process I noticed a disclaimer that stated my money would be held until a full payment was collected then it would be applied to my loan. Since I just made a full payment on the first of XXXX and my first " every two weeks '' payment would be on the XX/XX/XXXX I wondered if my money would be applied to my loan or what that meant to my finances. I called Quicken and asked them to explain. I was told in fact their policy is to hold my money until a full payment was gathered, then apply it to my loan. I explained I just made a full payment and this money should be applied as soon as they receive it. But again was told it's Quicken 's policy to hold until a full payment was collected. This IS an unfair practice. My loan would be paid off even quicker if they applied the money collected every two weeks at the time they collect it, which is my goal and why I decided to make auto two week payments. I do understand it still will be paid off quicker but the point is they hold money for two weeks which allows more interest to accrue on my loan. I pay an interest on my loan to pay Quicken for allowing me to use their money to buy my home. By using this option not only does my home loan not get paid off as soon as it could but Quicken is using money, for free, for two weeks and every dollar from others who choose this option. I also asked what if I just paid an extra amount equal to half a payment every two weeks without using the auto pay option and was told Quicken 's policy is to hold that money until a full payment amount was received. Again, an unfair practice to consumers that keeps us in debt longer than we should be. I have used Quicken 4 times for loans and have been satisfied up to this point when I discovered this option to help me pay off my loan quicker isn't paying my loan off as quick as it could and should and allowing Quicken to use my money for free for two weeks to pad their own accounts. This is NOT fair to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc
State: TN

Complaint narrative:
XXXX XXXX is reporting a bankruptcy. and verifying to all three major credit bureaus. The Federal bankruptcy court is not reporting any information to the credit bureaus and I don't have an account or contract with XXXX XXXX. The Bankruptcy filing is not accurate. 

Hunter Warfield is reporting a judgment that has been satisfied in the XXXX XXXX Tennessee Circuit Court. Hunter Warfield was not a party to the judgment that was satisfied and it is illegal for then to report a civil judgment in which they were not a party to the suit. 

Tennessee Dept. of Human Services is reporting a Texas Civil Judgment. The State of Texas only gave them the authority to enforce child support. The Dept. of Human Services has refused to give me a hearing to contest this negative information and Tennessee law strictly prohibits adverse actions without an opportunity for a hearing. The account should be deleted immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MD

Complaint narrative:
I receive two payment for the amount of {$1500.00} ( XX/XX/2020 @ XXXX ) and {$1000.00} ( XX/XX/2020 @ XXXX ) on cash app and when i try to cash out the money to my bank account they block my account For security they say. I been contacting them through emails 3 times a day everyday for the last 2 weeks and every time they respond to me its the same automated email asking me for the same information over and over and I still today XX/XX/2020 didnt pay my rent because they dont want to release the money and they dont have a customer service number that I can call They are not responding my emails or saying anything real back to me. I dont know what else I can do to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2020-07-10 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: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2020-07-10 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 Accounts, LLC
State: MD

Complaint narrative:
This case was solved in XXXX, the problem i have is that they are still keep checking my report putting hard inquires on it, this is now XXXX, removed this company from y report thats almost 3 years, and they keep checking my report about 10 to 15 times all hard inquires doesn't make since I don't want this closed until its removed please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I received an email from Navient on XX/XX/2020 saying that there is a payment due on my student loans which there shouldn't have been because I am on an income based repayment plan which is {$0.00} due to my income. I called them and spoke with a customer service representative and asked her why it was showing charges when I am on that plan. She said that those fees are being added now for interest from a few years ago. I don't know how that is possible when I was already been charged interest then and it was applied to my loan balance already. I believe that since XX/XX/2020 until XXXX there are not supposed to be any interest charged due to what was signed into office over covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation
State: NC

Complaint narrative:
Homepoint Financial is supposed to be handling the closing of our home on XX/XX/20 and they have not communicated or completed our closing process. Our real estate agent, title company representative, and the settlement lawyer have tried contacting Homepoint through email and by telephone over the past month and have received minimal responses. We have sent the same requested documentation multiple times and then are told we have to send the information again. The level of incompetence and mishandling of information is overwhelming and has caused our family undue hardship both financially and physically. Homepoint Financial needs to be held accountable for their completely unethical and incompetent handling of financial and personal information. We would hate to have another family go through what we have experienced with Homepoint Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Used citicard to purchase a car. Placed a temp hold. Bought my car and overpaid by {$3500.00}. Merchant gave me a check for {$3000.00} and a refund via a charge back for the original good faith hold of {$500.00}. I have the refund receipt and original automobile transaction ie ) bill of sale showing the charges. To date XX/XX/2020 Citi has not contacted the merchant XXXX XXXX even though I have called numerous times. Their ( Citicard ) website is very misleading when it comes to disputes. They sent me a letter CONGRADULATIONS we have resolved your dispute in your favor. Three weeks later I was reviewing previous disputes that I had filed in the past and noticed that the dispute for XXXX was still listed. It gave the option to withdraw the dispute so I did. Why, Because the dispute has been resolved in my favor that is why I removed it. They explained to me that by so doing I was acknowledging that I owed the debt. I informed them that no where on that page did it state I was giving up my rights after a resolution has already been granted. 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 monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Loan South Finance & Tax Service of Troy, LLC
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XXXX XXXX XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has a rewards program. I used my points to purchase a ticket through Chase Rewards and the flight was cancelled. 

Per the US Department of Transportation, i am entitled to a refund. 
https : //www.transportation.gov/individuals/aviation-consumer-protection/refunds " Cancelled Flight A passenger is entitled to a refund if the airline cancelled a flight, regardless of the reason, and the passenger chooses not to travel. '' I have been working with Chase for over 1 month and they are saying they can't give me a refund because the airline is not approving them to do so. However, they won't let me talk to the airline either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I received a copy of my credit report and a collection from Portfolio Services appeared for {$1300.00}. By law and according to the FCRA, I should have received a notice in the mail for a debt validation and have 30 days to receive validation of the debt that they say I owe them. I have no signed contract with this collection agency, nor do they have anything bearing my signature. If this is not deleted, I will file a lawsuit with my local court. This should be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX, Experian and XXXX are allowing XXXX XXXX to report a Bankruptcy in which the Federal Bankruptcy Court is not reporting. I do not have an account with XXXX XXXX or a contract. The federal bankruptcy court is not verifying my personal info to XXXX XXXX and it is illegal for a third part to report of verify such information in which they were not a party to. 

The same three credit bureaus is further violating my constitutional rights by allowing XXXX XXXX to report a civil judgment from the XXXX County Tennessee Court that is marked satisfied. I do not have an account with XXXX XXXX and they are reporting a collection of {$4900.00} when the court has marked the judgment satisfied. This is a violation of the Fair Credit Reporting Act. 

The same three credit bureaus is again violating my constitutional rights by allowing the Tennessee Dept. of Human Services to report a civil judgment from the State of Texas. They have been incorrectly reporting and will not allow me a hearing for the negative reporting. State law forbids adverse credit reporting without the opportunity of a hearing. They have removed {$13000.00} from my credit, but should not allowed to report anything that was not entered by the State of Texas. Moreorver, the state law only allows them to report on  accounts that are over {$1000.00} past due. I am not past due on an agreed upon judgment in Texas.

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 2020-07-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent disputes on XXXX, XXXX and XXXX under the Fair Credit Act including Section 91-506, Title VI, Section 611 and Section 609 via Certified Mail, Fax and thru the Experian Website. I disputed the entries on my credit reports from XXXX XXXX ( Partial Acct # XXXX Opened XX/XX/XXXX ) and ( XXXX XXXX XXXX Partial Acct # XXXX Opened XX/XX/XXXX ). I requested a full investigation and validation of this debt and requested under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), for  Experian to verify, through the physical verification of the original signed consumer contract for these disputed account. Experian did not follow the law and has not fully investigated these accounts and is in violation of the Fair Credit Reporting Act furthermore the XXXX account is reported 6 charge offs which is impossible by law, you cant charge the same account off more then one time. Experian continue to damage my reputation by not removing these two items from my Experian Credit Report and are subject to a federal lawsuit for these repeated violations. This is my final request for Experian to follow the laws and fully investigate and delete these two items from my credit report if there not validated by Experian reviewing actual account documentation including a sign contract and related identity verification documentation..

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 2020-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA repossessed my vehicle and now refuses to accept payments from me through its app and web portal. Every time I try to pay I am greeted with a 16:2942 error refusing to accept payment. Customer service was nonresponsive. After refusing to accept payments, USAA now has begun charging me late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: GA

Complaint narrative:
I have been in XXXX  and I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: GA

Complaint narrative:
I closed my account with them and paid my final bill. I called them they told me there was nothing left then years later it showed up on my credit. I disputed this with them but they are still pursuing it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: TX

Complaint narrative:
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Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX my Bank of America card was stolen. As soon as I noticed the card was missing I went online and closed the card. It was to late. Someone checked the account then withdrew XXXX dollars and then used the card at a grocery store for another XXXX dollars. Also used it for a uber. This should have not been allowed for one because the withdraw limit a day is XXXX dollars and I already withdrew XXXX eariler that day myself. I tried to call right away to put in a claim because it definetily wasnt me. I was told I had to wait till monday to put in a claim. I called first thing Monday morning and filed a claim I was told to wait a few days to call and get a provisional credit. I waited 5 bussiness days calling today XX/XX/XXXX and now they are telling me I have to wait 10. My major issue here is that i can sneeze wrong and I have to call and argue to get my account turned back on so how did they let a theif steal over the daily withdraw limit and not have the card blocked. Now I am fighting to get my money back and will probally have to cancel vacation plans I had with my son because i can not get the money back in a timely fashion that shoul have never been taken in the first place as per their policy on daily withdraw limits. That and the fact they lock my card just about every time I try to use it but let a theif wipe my account out.

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 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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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