vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: NY

Complaint narrative:
Hello- my name is XXXX XXXX and Ive been attempting to get a replacement cash app card for Cash App quite some time in order to receive the stimulus payment. Am discovering that since XXXX my brother XXXX XXXX in conjunction with a friend on XXXX XXXX and number of other people have been accessing my account and basically stealing any funds that are due my way. I close the account and reopen but they have it direct deposit linked to a card which does not belong to me. They have done this with countless other companies as well, then phone in to say Im the one doing fraud which is false. Am trying to clear my name but its been difficult when 10-20 people are calling in or emailing to lie about me at once versus my one phone call or email at a time which I can send in.. thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a letter to dispute an account listed on my equifax report. I received a letter stating equifax was unable to locate credit file. Yet I have access to my credit report? So how is it a credit file wasnt located. So, my frustration is as I read the letter further, I noticed in the letter equifax requested a copy of my indentifcation. So I sent for the thousandth time a copy of my social security info and Id. So needless to say Im furious because this indicates to my equifax hasnt taken my dispute serious no investigated my concern. They didnt respond to my validation request. Im therefore requesting assistance with this issue. Along, with removal of accounts that was disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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:
Hello : I am requesting assistance with three credit reporting agencies as well as Capital One Credit Card. 

While requesting my free annual credit report, I observed there to be asking/verifying questions in which is not applicable to me. 

1. I was asked about a car loan, car loan payment amount, pet insurance and student loan information. I do not have these information on my credit report. why is it showing up there. I dont have any of these about mentioned accounts. 

On an ongoing basis, I have noticed my account balances to be incorrect as well as the account limits. 

Capital One also reported me late in XX/XX/XXXX and XX/XX/XXXX, when I paid from a bank account on time. 

My discover card balance is incorrect. They are reporting me late, when I pay my accounts on time every month. 

I requested to receive SCRA benefits from capital One, in which I was denied SCRA benefits on my Capital One account. I was advised this is a law. They also reported late, when I explained to them I was in training and the bills went to the incorrect address. 

The account was also on reoccurring monthly payments. which they took out payment but still reported as late. I am asking assistance with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Shellpoint/NewRez is engaging in deceptive practices around forbearance. 

Shellpoint/NewRez is my mortgage servicer. I inquired about a forbearance program on XX/XX/XXXX however I did not sign up for it, e-sign anything, or send in any paperwork or fill out forms. I read the paperwork and decided it was not for me. 

Shellpoint/NewRez called XX/XX/XXXX, noting that I didn't complete my application and asked if I was still interested in forbearance. I answered " no '' in clear and uncertain terms. The representative thanked me and hung up. 

They signed me up for forbearance anyway. I found out because I checked my payment on XX/XX/XXXX and my account had been flagged and my ( pending ) automatic payment canceled. I was unable to contact them until the XXXX after waiting hours on the phone, and multiple hang ups on their part. 

The customer service rep ( XXXX XXXX XXXX ) said that he removed the forbearance ( he apologized for the mistake ) and my automatic payment would be reinstated. 

When I checked on XXXX ( the date my payment was due ) the automatic payment was not reinstated. I was unable to contact NewRez ( phones busy ) on XXXX and most of XXXX. I finally got ahold of a rep ( XXXX XXXX XXXX ) who claimed the forbearance was removed but would not help with the automatic payment. I made the payment through ACH and was not late. 

I am still receiving correspondence from Shellpoint/NewRez saying that I am in their forbearance program. The latest notice arrived today, XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On Saturday, XX/XX/2020, I saw that I was charged the yearly {$79.00} fee charged by capital one. I contacted Capital One to see if I would be able to get the fee waived as I have recently lost my job. As I am aware that it is not Capital Ones problem that I am no longer employed, I had hoped that they would understand that I, like so many people are experiencing extreme financial hardships during this unprecedented time. I called and was given over an hour wait time so I opted to have a representative call me back. Three hours later, I was contacted by a Capital One representative who informed me that there was nothing they could do about the fee. I was immediately infuriated and asked to speak to a manager. After a brief hold, a gentleman by the name of XXXX who said he was a manager, came on the line and reiterated what the first person had told me. They were unable to waive the fee. Period. I explained to XXXX that the fee was a financial hardship for me at this time, and as a customer of over 14 years why couldnt the fee be waived. XXXX informed me that it was company policy and there was nothing he could do for me. Feeling unsatisfied with Christians response to my questions, I asked him would he be able to tell me when Capital One stopped waiving annual fees as it had been done for me previously. At that point, I believe XXXX decided that he was no longer willing to assist me and hung up in the middle of our call. XXXX was very unprofessional and unprepared to handle my concerns and did a terrible job as someone who has been put in a position to help customers. When I called back to complete my call, there was another three hour wait to reach a representative. After such a frustrating call with XXXX, I opted not to wait for another possibly rude Capital One representative and cancelled my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-09 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: Georgia Student Finance Authority
State: GA

Complaint narrative:
On Georgia student finance its states i was passed due for 60 days. & I sent my enrollment paper that stated I was still in school. & my information have not been updated. & if you could help me get the information that would be great.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-09 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: GA

Complaint narrative:
On XXXX XXXX XXXX its states i was passed due for 60 days. & I sent my enrollment paper that stated I was still in school. & my information have not been updated. & if you could help me get the information that would be great.

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 2020-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
My private information was sold to Rent Recovery Solutions acting as collector for XXXX XXXX XXXX  XXXX XXXX for an alleged debt ... 
Opened XX/XX/XXXX according to XXXX XXXX.. 

Same with the following.. 


XXXX XXXX XXXX  acting as collector for XXXX XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX according to XXXX XXXX XXXX XXXX XXXX acting as collector for alleged creditor XXXX XXXX XXXX  Opened on XX/XX/XXXX according to XXXX XXXX  XXXX XXXX  XXXX acting as collector for alleged creditor : XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX according to XXXX XXXX  And XXXX XXXX  XXXX acting as collector for alleged creditor : XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX All of these liens and accounts shown on my credit are Fraudulent and inaccurate. My private information has been given out to Third party contractors to secure and alleged debt that none of these " creditors '' can prove with a ORIGINAL wet ink Signature of mine proofing a debt and that I owe with ANY of said Creditors! 

According to the secretary of state in North Dakota ( my born state ) there is no proof I owe any debt to any alleged creditor and I did a UCC-11 to prove that.. I'm asking that you guys make these " creditors '' prove I have a debt with a original wet ink Signature with my name ... 

As well as a way to settle my debt LAWFULLY as according to the Constitution. Rather accept for value, discharge, set off. Or gold or silver. As per House joint Resolution 192

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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:
They removed all the items associated with the bankruptcy except for the bankruptcy.

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 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
They removed all the items associated with the bankruptcy except for the bankruptcy.

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 2020-05-09 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: TN

Complaint narrative:
They removed all the items associated with the bankruptcy except for the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: PA

Complaint narrative:
on XX/XX/XXXX applied for a discovered card and approved. XXXX requested a deposit for the approval. XXXX ACH the funds on the XXXX of XXXX, an alert was sent from the bank. I immediately made contact with the DIscover bank. SPoken with XXXX regarding the issue. She stated as long as the funds were available, the approval still stands. Called a couple of days later regarding the withdraw of funds, I was later told i was denied. Spoken with a supervisor XXXX. Extremely nice and pleasant and went above and beyond to hear concerns. XXXX stated he will listen to the call placed between myself and the customer service rep. XXXX returned the call and stated he understands my concerns. Unfortunately, XXXX couldn't resolve my issue. The company failed to comply with the guidelines stated by XXXX XXXX. Requesting to resend offer. Today went through a pre-approval process and was pre-approved for a discover it cashback card. Applied due to conversation which taken placed prior, company immediately denied me. The company blackballed me for approvals due to the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2020 Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liabilit
y and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account : XXXX XXXX Account Number : XXXX Provide Physical Verification : Unverified Account/Information about the account is reported incorrectly/Balance Incorrect * Please remove all non-account holding inquiries over XXXX old Thank You, 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 2020-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
somebody hacked my bank account and emptied it out to the point where I owed money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Remove the Bankruptcy

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 2020-05-09 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: Nelnet, Inc.
State: IL

Complaint narrative:
Hello, MyGreatLakes has noted my account as in FORBEARANCE. I have made all of my payments including additional payments. My credit score has dropped 20 points as a result of " deferred payments notation '' that I did not request. I have reached out to them to remove this immediately with no response. I Have made 2 payments of {$500.00} in a matter of one month instead of one {$100.00} payment to show I do not want any assistance. As a result of their incorrect Remark on my credit report, my credit score dropped by 20 points or so. I need this fixed asap because this is causing damages to my potential loan options for future purchases. I need this repair asap. This is an illegal practice. I have a contract with the bank and have met all of their stipulations. To dock my score illegally and force me in to a " forbearance '' is false pretense. I need this resolved immediately. Please advise me on future steps I can take. This is causing massive financial damage to my purchasing power / cost to borrow. I need this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 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: IL

Complaint narrative:
Remove the Bankruptcy

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 2020-05-09 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: U.S. BANCORP
State: CO

Complaint narrative:
I have an unauthorized charge from XXXX and the credit card company refused to remove it when i called multiple times to dispute the charge. At first they said to call back with additional information to have the dispute resolved. then they refused to remove the charge and said the case was closed when I called back to follow up with additional info. 

I also called XXXX who said they have no record of the purchase, even though XXXX charged the card.

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 2020-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Remove the items listed on my FTC reports

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 2020-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
I used LoanCare 's " Contact Us '' form to inquire about canceling my PMI in XX/XX/XXXX. They have not responded and there is no way to access communications on their portal. I am still being charged PMI payment but I have been able to cancel since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EDvantage LLC
State: FL

Complaint narrative:
Due to the COVD-19, I was seeking financial assistance to help with school loan. My XXXX  is closed and work is closed as well. So I called on XX/XX/20 to seek options available. But they didn't offer any solutions and customer service was awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
On XX/XX/2020 I wrote a certified with returned receipt letter ( # XXXX XXXX XXXX XXXX XXXX ) to Merchants Credit Guide in reference to an amount posted on my credit report for the amount of {$150.00}. As the Fair Credit Debt Collection Practices Act ( FDCPA ) they are not allowed to report to any credit report bureaus ( XXXX, XXXX   & XXXX ) until I verified this account. Merchants Credit Guide reported invalidated information to the credit bureaus without my knowledge. In addition, under the Health Insurance Portability and Accountability Act ( HIPAA ) Merchants Credit Guide is in violation of the act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I had a procedure in 2017 at XXXX. XXXX Hospital did not send the bill to my insurer ( XXXX XXXX ) for over 6 months. This voided XXXX 's contract with XXXX XXXX and my insurer refused to pay them. They illegally sent collections after me because XXXX XXXX ( premium PPO ) refused to pay their late payment request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation