vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Many years ago I had a cook two cards with Capital One and one with XXXX  and each of those cards I was able to negotiate a pay for a deletion where I paid the account in full and they promised me that they were going to delete those accounts from my credit report and both of those companies have since reneged on the deal and they tricked me and manipulated me into paying these balances that I did not believe were mine in the first place in order to remove them from my credit report which are they went and they sent me a letter saying that it you know it was going to be deleted and I since have sent them this letter and I have not been able to remove these accounts from my credit reports are they have in my opinion in a committed negligence fraud and I would like to take legal action and sue them for all the violations that they made in these instances and him as I told them when I have calls are at least 10 times I have tried to dispute both of these are items so all three of these items are over 10 times with the bureaus and Ive been unsuccessful in each attempt and I have provided documentation to prove my case and these are for accounts that are paid in full and like I said they promised to delete them so they have reneged on their word and now they are costing me thousands and thousands in as they ruin my credit and I want them deleted immediately if they are not deleted in 30 days from this complaint I am going to pursue legal arbitration and Im going to take this up with the courts because Im done with this this is my last attempt to get a delete it if they dont delete it Im taking legal action 1000 % so thats it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I applied for a mortgage refinance and received inaccurate reporting. Experian submitted to the mortgage company a credit score of XXXX. However, Experian shows a credit score on my report XXXX, which is accurate, This is causing me a great deal of problems. Please look into this Experian 's reporting, as something is harmfully wrong! By Experian reporting a XXXX score I was denied a mortgage refinance. 

Respectfully Requested, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2021-02-07 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: AZ

Complaint narrative:
Credit report is showing 3 30 day late payments on my XXXX  credit card for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Tried to mail the creditor a letter to get it fixed in XX/XX/XXXX unfortunately lost their response letter but no change on my report. I have done multiple disputes with the creditors on their websites and even worked with a credit repair company. No changes on all responses. Stating disputes were verified. Payments were posted to that account those months. Account is on and was on autopay. I attached verified prove of dates and amounts of the payments on my account

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 2021-02-07 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: Arbor Professional Solutions, Inc.
State: IL

Complaint narrative:
Ive reached out to XXXX  and us department of education I have no known knowledge of this account it has been deleted off of XXXX and XXXX  when I call XXXX they say theyve verified it I asked for a copy of verification for 3 months now with know response to it Ive filed a police report which was submitted to experian and us department of education please provide a verification documents to me as this is a fraud account

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive reached out to experian and us department of education I have no known knowledge of this account it has been deleted off of XXXX and XXXX when I call experian they say theyve verified it I asked for a copy of verification for 3 months now with know response to it Ive filed a police report which was submitted to experian and us department of education please provide a verification documents to me as this is a fraud account

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 2021-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arbor Professional Solutions, Inc.
State: IL

Complaint narrative:
I reached out to this company regarding an fraudulent account that doesnt belong to me I am making a formal complaint to have this erased off of my credit as I am I victim of identity fraud this is reporting on my XXXX account as of now I reached out to this company and sent both a copy of police report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: First Equity Mortgage Bankers, Inc.
State: PR

Complaint narrative:
We began the process to purchase an apartment and signed an purchase option on XX/XX/XXXX. We submitted the application to the loan originator and in XX/XX/XXXX we received a Loan Estimate for a loan of 90 % of the Purchase Price that was the loan that was discussed with the loan originator. All documentation required was submitted to a loan that were pre-approved before we initialize the purchase process. 

On XX/XX/XXXX, and because the appraisal was received for a lower market value amount of the original Purchase Price, we agree with the seller and submitted an amendment to the Purchase Option Contract to reflect a new Purchase Price. After that change we did not receive a new Loan Estimate from the loan originator. 

The process continue and after all updates and documentation provided we received a call from the loan originator officer on XX/XX/XXXX that the loan was approved by the investor at 90 %, as primary residence, but the PMI insurance rejected the coverage due to the condominium can not be insured as primary residence. They give us the alternative and sent new Loan Estimates with loans at 80 % which represent a significant larger amount from us and differences in the closing costs from the original one.

I think is important to add, that from the beginning we made clear that we were not interested in a 80 % loan, so was for us a surprise that at the end of the process they are saying that we have approved a loan that can't be close and feel that we were tricked in the process. We rejected the new loans offer and we are losing the opportunity to buy the apartment. After the rejection of the new loans we had not received comments from the Mortgage Originator.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received any investigation results.

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 2021-02-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: MD

Complaint narrative:
I received notification from XXXX XXXX XXXX in XX/XX/2020, that effective XX/XX/2020 XXXX XXXX would cease operations. On XX/XX/2020, I went to XXXX XXXX XXXX to cancel my membership. When I arrived at the gym I saw that the gym was closed and I saw moving people inside packing up all of the equipment. I then called and no one answered the phone. Then I went online to their website and discovered the site was shut down. 

Since my membership was month to month, and I was unable to speak to anyone I contacted my bank to stop all payments to the gym. Then on XX/XX/2020, I received from First Credit Services , Inc notification that my account has been placed in collections. I tried on 5 different occasions to speak to someone. Every time I called I requested to speak to someone in XXXX ( I am English challenged in speaking ). Every time I was told someone would return my call to assist me. I have yet to receive a phone call from them. 

I dispute this claim on the following bases. 
1. I attempted to cancel my membership and was unable to due to the closure of the business.

2 My membership was month to month with no long term contract.

3. I have attempted to reach out to the collection company and they have not been helpful in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank Fraud Department, XXXX. XXXX XXXX, XXXX, DE XXXX was notified about my identity theft in writing. The notification had also FTC Affidavit and printed materials from the Federal Trade Commission guidelines what are the responsibilities of the furnisher under the law. However, they refuse to comply with the law, and knowingly they still continue reporting the fraudulent account to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
All of the details regarding this complaint are explained in the attachments. 

Please let me know if there is any additional information I can provide. 

Thank you very much for your assistance! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: LD Holdings Group, LLC
State: VA

Complaint narrative:
Loan depote placed a late payment on my credit report during my forbearance plan I started my forbearance in XXXX  of 2020 and six months plan it would end in XXXX of 2020 After sending a letter of there error stating that I do not half to do anything that they would fix there error and now Im trying to refinance with another mortgage company and they will not do a refinance until the late payment gets taking off my credit report its still there is it against the law to place a late payment on a forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: CL Holdings LLC
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Credit report is showing 3 30 day late payments on my XXXX credit card for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Tried to mail the creditor a letter to get it fixed in XX/XX/XXXX unfortunately lost their response letter but no change on my report. I have done multiple disputes with the creditors on their websites and even worked with a credit repair company. No changes on all responses. Stating disputes were verified. Payments were posted to that account those months. Account is on and was on autopay. I attached verified prove of dates and amounts of the payments on my account

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 2021-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am furious. My credit card numbers were stolen and 58 fraudulent charges were made on my account ( {$3300.00} in total ). I promptly advised Citi of the theft. I spent over an hour on the phone going over the false charges and was assured they would cancel/reverse the fraudulent charges. A replacement card was sent out and Citi immediately cancelled the card. 

A week later Citi had a person call me who spoke absolutely no English. I tried to go over the charges/fraud again. He did not understand a thing I was saying. Despite my repeated requests, he refused to transfer me to someone who spoke English. Finally, I told him to have a supervisor who speaks English call me or send me in writing any further requests for information that they needed. He hung up. 

When no one contacted me by phone or letter or asked for any supporting documentation in the next 3 weeks, concerned, I checked online. Citibank had failed to put in dispute a single one of the charges I had spoken to two fraud specialists about ( and had cancelled my card because of ). 

I then spent an entire day submitting my dispute online on XX/XX/2021. I told Citi in the disputes online that I was mailing all of the supporting documentation to show fraud. Instead of doing any investigation, 3 days after I submitted the dispute and before they could have even received my documentation, they falsely stated that I had failed to respond to their ( non-existent ) request for information. 

I have copies of everything. This is where I sent the documentation : Fraud Investigations/ Dispute Resolution Citibank XXXX XXXX XXXX XXXX XXXX KY XXXX I provided them with a complete list of all fraudulent charges, all of which were easily traceable to other people ( train tickets even had names on them and all the furniture and XXXX charges had to be delivered somewhere ). I also attached the official XXXX XXXX of all of my account charges for the relevant time period so that they could see valid charges vs fraudulent, e.g. not charges made from my account. I provided a sworn attestation and agreed to fully cooperate in their investigation. 

It is unbelievable that they did no investigation at all. I will be closing all of my accounts with them and switching to a different bank card. This company 's willful disregard of teh law or gross incompetence is outrageous. I have never had this problem with XXXX or 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 2021-02-07 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: GA

Complaint narrative:
I purchased XXXX XXXX XXXX from an online retailer named XXXX payment made to XXXX XXXX on XX/XX/XXXX for {$170.00}. The coins I received were counterfeits. I emailed the company requesting a refund and they wouldn't respond. I then notified my credit card company, Capitol One, and they requested the item description, invoice and company return policy. I sent this information to Capitol One. They gave me a credit on XX/XX/XXXX for the disputed amount, but on XX/XX/XXXX they charged the amount back to my account. I was told they needed more information. They suggested I have the coins appraised by a coin expert. I paid to have done on XX/XX/XXXX and sent them a copy of the appraisal stating the coins were in fact counterfeit. As of XX/XX/XXXX they have not given me credit for them. 
I have attached copies of payment recipe showing amount paid including description, email request for a return refund ( was never answered ) and appraisal from coin experts verifying coins as fake Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08 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:
Stop messing up my credit with false credit checks

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 2021-02-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
We have HELOC with BMO Harris bank originally until it was transferred internally with XXXX XXXX XXXX. ( XXXX  ). We have tried to call them multiple times and arrange a payment schedule with them since our HELOC matured and affected due to our bancruptcy filing back in 2015. We got a lettter from XXXX and demanding to pay the full amount payment of XXXX. XXXX rep said they are no longer sending statement. We are willing to work with them and pay down our loan but we couldnt get any meaningful assistance form their rep or even discuss it in person. We are looking to refinance it but since they are reporting the past due account in credit reporting agency we are having to problem starting this process.

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 2021-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
XXXX Was facing foreclosure at a residence i shared with past girlfriend with children. Joined in re financing to help save her house. i feel like i was never made aware of how poor our new loan was going to be. Think back in XXXX the house was worth XXXX my payments went up approximatly XXXX dollars, from XXXX a month to XXXX a month and i owe more now then before. Think last time i checked i owed XXXX so on this 30 year loan i feel like i am totally getting taken advantage of. Couldnt ever disagree. would have lost her house. Ive exspressed how much i thought i had the worse loan any one could evr have. they could care less. Wells Fargo.

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 2021-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute that my XXXX XXXX loans was paid in full with a XXXX balance and the bureau will not update it. I submitted my dispute XXXX and my report was unchanged as if XXXX. This is with Equifax. 
XXXX wouldnt even take my documents. Stating it wasnt clear. I dont understand, the verification came straight from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MD

Complaint narrative:
In XXXX of XXXX, I closed a XXXX XXXXXXXX phone account, due to my XXXX XXXX change of station to the XXXX XXXX. In XXXX I noticed that a debt collector ( Jefferson Capital Systems ) reported the debt as new, and is still damaging my credit report for an account that should have aged off in XXXX. I've initiated several disputes, Transunion still lists the account as delingquent. XXXX  removed this account years ago.

Company response to consumer: Closed with explanation