vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-25 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: TN

Complaint narrative:
Recently, I applied for credit recently and was denied. I XXXX on an military XXXX when these items were placed on my credit file. This has really place me in a bad stated as I am trying to all things settle back in with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: TN

Complaint narrative:
Recently, I applied for credit recently and was denied. I XXXX on an military XXXX when these items were placed on my credit file. This has really place me in a bad stated as I am trying to all things settle back in with my life.

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 2020-03-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This complaint involves Experian and a lack of ability to address a hard credit inquiry issue. First issue I have with the process is sharing all my identity information with the Experian telephone employee in XXXX XXXX. As you are well aware, this is outside the U.S. and U.S. laws. I am in the process of getting a mortgage over the past year and a half. Each 90 days the two mortgage companies I am working with are pulling a hard credit check. I was not aware they were doing this to keep my file up to date and as a result, my credit score is suffering. Experian said they could do nothing about hard credit inquiries since, by law they had to report them. The two week forgiveness period for multiple hard inquiries is not enough. It should be extended to the same institution for the same loan process/application. And Experian or other credit bureau should be able to address the issue with the client.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ragan & Ragan, PC
State: GA

Complaint narrative:
RAGAN & RAGAN is attempting to falsely collect an inflated amount from a XXXX Credit Card which was {$550.00} and attempting to collect over {$1000.00} and have threatened me and my family with legal actions. I also was not informed properly regarding a default judgement which they coerced the XXXX County Magistrate Court to issue when I was not informed there was a hearing date. This is also a form discrimination and retailiation because I filed a prior CFPB complaint regarding their discriminatory business practices. Now they are attempting to collect on monies not owed to them after purchasing the XXXX account for Pennies on the dollar. They are threatening me as a U.S. Citizen and U.S. Veteran and am requesting that they cease in their maneveurs against me. The Default Judgement should not have been issued and I am disputing the Default Judgement to have the courts reverse their illegal actions. They are also taking advantage of the fact that I am currently unemployed and seeking other illegal means to get monies not owed to them. They discriminate against XXXX XXXX XXXX  and can not stand to see a XXXX XXXX XXXX  fare well in the United States. Also, when I was attempting to go to court to defend myself last year, I requested a Continuance on the case since I exchanged emails requesting this to be granted due to my daughter who was hospitalized in XXXX  for over 34 Days due to a debilitating medical condition which affected me and my family since 2016 and they are now attempting to further coerce and take advantage of the system illegally even during the Coronavirus Crisis because they care nothing about others but themselves and are driven by greed! Absolute Greed for money. I have a XXXX Daughter and XXXX Husband who is also a Veteran whom I caring for as well and this is a malicious act by Ragan & Ragan and Double-Jeapordy as well. 

Also, a lawyer from XXXX attempted to contact them and they are also friends with a lawyer which previously worked my case and are now coming after me through retaliatory means as well which is illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: AR

Complaint narrative:
I was informed by my banker ( years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX  XXXX {$3700.00} XXXX XXXX XXXX {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: AR

Complaint narrative:
I was informed by my banker ( years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX  XXXX {$3700.00} XXXX XXXX XXXX {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one closed my secured card unexpectedly this is not fair refused to give me back my security deposit after leaving no balance and everytime I login I see 4 different closed credit card accounts they wont remove them tell me it takes months and its been months and its still on my online banking

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: AR

Complaint narrative:
I recently realized my identity had become compromised and that I had become a victim of identity theft. I reached to all three of the major consumer reporting agencies to file a dispute an to submit an identity theft report as instructed by my local law enforcement agency. I included a copy of my drivers license, utility bill, and social security along with an updated copy of current address, name, and etc. I also was sure to include in the identity theft report a list of the fraudulent addresses associated with the fraudulent accounts to make sure the were removed from my credit file. Some of the accounts in question, being the identity theft report would only allow me to list 5 are 1.XXXX XXXX XXXX # XXXX, 2. XXXX XXXX XXXX  # XXXX, 3. XXXX # XXXX, 4. XXXX XXXX XXXX # XXXX, 5 XXXX # XXXX. I received a notice from Experian Report # XXXX stating they were not able to honor my request due to my request was made in error, misrepresentation, or I obtained possession of goods, money 's, or services. This highly unacceptable when Experian has no proof nor has provided any nor accurate verification period. Anyone who would have access to my personal information would be able to fraudulent open or establish accounts in my name. Experian has violated the Fair Credit Reporting Act sections 605b, 609, and 611. I have sent Experian more than enough of supporting documentation supporting my claim and yet these fraudulent accounts sill remain on my credit file. My consumer rights have and continue to be violated, not to mention denial of credit from creditors continues to be an issue.

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 2020-03-25 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: TX

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. The coding on this item is incorrect and stuck in past due status. This is a F.C.R.A. violation and is mandated to be corrected and/or completely removed from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a problem retrieving my Equifax credit report under the FCRA I am registered with Equifax ( My Equifax ) membership service that enables consumers to view there Credit Report and submit disputes. There is a block on my report that XXXX XXXX, Equifax, Any other third party credit score services are not able to get an updated report of mine. 

The MyEquifax username is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
On XX/XX/XXXX I received a letter from Credence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. On XX/XX/XXXX my representative reply back to the letter. In the letter, we/I were requesting proof of verification sign documents and etc of this debt within 30 days. Which we/I have not received them and it has been over 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25 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:
XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. The coding on this item is incorrect and stuck in past due status. This is a F.C.R.A. violation and is mandated to be corrected and/or completely removed from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My escrow company has request a payoff of funds starting with XX/XX/XXXX, XX/XX/XXXX, I called on XX/XX/XXXX and spoke with XXXX at Freedom Mortgage and request another payoff this day and he told me it would be emailed over to the company to XXXX by XX/XX/XXXX. I am due to close escrow on XX/XX/XXXX at her email address. This refusal to send wire information and payoff information is rediculous.

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 2020-03-25 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2020 I contacted PayPal Credit to remedy a delinquent account. They offered me a customer assistance program to pay off the past due amount of the line of credit I had with Synchrony. The agreement was a minimum of {$34.00} a month over a 5 year period. The balance I had would not accrue interest and the amount was frozen in time. I paid the first payment of {$34.00} and I was told to pay every month to keep the account out of delinquency. 

Two weeks later, I noticed that my Paypal credit account was still shown as past due on the app and it said a payment was due on the XXXX of XXXX. I called on XX/XX/XXXX to get more clarity about what was going on. When I called, I spoke to a representative who told me that the system had not yet updated and that I just needed to make sure I made the minimum {$34.00} payment every month. I did not have to worry about the past due status. 

The past due status continued to be on my account for months even though I paid what I was supposed to every month. On XX/XX/XXXX, I got a notification from XXXX  saying that my Paypal Credit account was being shown as 30 days late. Of course, I was confused because I was doing exactly what I was told when I agreed to the program. In addition, my account was being charged interest after I was told that there would be no interest accruing! 

I call that day and I speak to a rude representative, who lacked listening and customer service skills, named XXXX ( ID # XXXX ). When trying to relay my issue to her, she repeatedly said that there was nothing wrong with my account and that the account being past due was communicated to me from the beginning. Obviously she was not there to say what was or was not communicated. In addition, I know for a fact I was not told that my account would remain past due by 2 different representatives. As stated, I called on 2 separate occasions. 

This program is supposed to help those going through hardships but instead this is not helpful. This needs to be corrected immediately.

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 2020-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credence Resource Management Numerous calls and I mean Numerous Very hard to let them know- I mailed a {$52.00} check to XXXX XXXX XXXX  @ XXXX XXXX XXXX, XXXX  NY XXXX The bill amount is for {$52.00} check is fromXX/XX/2020 I am XXXX person and can not stand the stress of this issue! 
I believe in paying my bills-However I was taken to a hospital for almost serious health problem. 
I did call XXXX to check on what is going on. I believe they sold this to them probably for a dollar or so. 
I do not believe a person credit should be suffer for {$52.00} I need help with this matter. 
Better commucation is the key!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25 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: NY

Complaint narrative:
Background : On XX/XX/XXXX, I booked 3 air tickets with Chase Travel. The tickets were on United Airlines with travel dates in the 1st week of XXXX. The cost of the tickets was approximately XXXX Chase Ultimate Reward Points. 
With the Coronavirus impacting travel and United Airlines canceling the flights as a result, Chase Travel sent me an email on XX/XX/XXXX offering an online form to cancel my trip as a means of avoiding long hold times on the phone. The email noted I was eligible to use the form as my travel was within 8-14 days away. 

The problem : I received an email on XX/XX/XXXX stating the tickets had been cancelled, and only XXXX Chase Ultimate Reward points were refunded. When I asked for the difference, I was told the difference was used to settle United Airlines cancellation fees. I pointed out that the email on XX/XX/XXXX stated that if any cancellation fees were to apply, Chase Travel would contact me before proceeding. Additionally the XX/XX/XXXX email stated that Chase Travel would contact me if the Airline offered a travel credit, which I could use in place of cancelling the tickets. I pointed out that Chase Travel didn't contact me for either of these items ( application of fees, travel credit ) before proceeding with cancelling the tickets. 
I contact Chase Travel on XX/XX/XXXX. The agent agreed with me, but had to escalate to the supervisor. I spoke to the supervisor on XX/XX/XXXX, who also agreed this appeared to be a Chase error, and had to escalate further. Finally, on XX/XX/XXXX, the supervisor said Chase had decided that despite the email stating the above mentioned items which indicates an error on their part, they will NOT refund the fees or give me the option to use the United Airlines travel credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a checking and savings account with Citi. 
I closed the account, and withdrew my balances leaving the accounts empty. 
Citi failed to close the account, and continues to charge erraneous unauthorized fees to the account. 
I've already attempted to contact Citi, however they have no customer support. The chat and phone line just timed out. 
I've wasted hours of my time due to this.

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 2020-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXX is attempting to falsely collect an inflated amount from a Lowes Credit Card which was {$550.00} and attempting to collect over {$1000.00} and have threatened me and my family with legal actions. I also was not informed properly regarding a default judgement which they coerced the XXXX County Magistrate Court to issue when I was not informed there was a hearing date. This is also a form discrimination and retailiation because I filed a prior CFPB complaint regarding their discriminatory business practices. Now they are attempting to collect on monies not owed to them after purchasing the Lowes account for Pennies on the dollar. They are threatening me as a U.S. Citizen and U.S. Veteran and am requesting that they cease in their maneveurs against me. The Default Judgement should not have been issued and I am disputing the Default Judgement to have the courts reverse their illegal actions. They are also taking advantage of the fact that I am currently unemployed and seeking other illegal means to get monies not owed to them. They discriminate against XXXX XXXX XXXX  and can not stand to see a XXXX XXXX XXXX fare well in the United States. Also, when I was attempting to go to court to defend myself last year, I requested a Continuance on the case since I exchanged emails requesting this to be granted due to my daughter who was hospitalized in XXXX  for over 34 Days due to a debilitating medical condition which affected me and my family since 2016 and they are now attempting to further coerce and take advantage of the system illegally even during the Coronavirus Crisis because they care nothing about others but themselves and are driven by greed! Absolute Greed for money. I have a XXXX Daughter and XXXX Husband who is also a Veteran whom I caring for as well and this is a malicious act by XXXX XXXX  XXXX and Double-Jeapordy as well. 

Also, a lawyer from XXXX  attempted to contact them and they are also friends with a lawyer which previously worked my case and are now coming after me through retaliatory means as well which is illegal!

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 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I applied for Mortgage hardship as it has got really hard for me to make the Mortgage payment because of the Corona virus Epidemic and I applied for Mr. Cooper Hardship assistance on XX/XX/2020, since then Nationstar Mortgage DBA Mr. Cooper has paused my application three times and also asked for my HOA fee which I already mentioned in the application that I do not have. still again and again they keep on asking for my HOA fee, mine is a single family house and there is a property tax but no HOA fee. 

Mr. Cooper is asking for my Tax returns and two bank statements which I have already provided but they are pausing my application out of no reason ( Please see the screenshots attached ). Their dedicated Loan specialist " XXXX XXXX '' is also not responding, I have called her multiple time and left voicemails but to no avail. I don't know what to do I am banging my head on the wall.

Company response to consumer: Closed with explanation