vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I moved from my apartment And shut off my XXXX service when I initially set up service I paid a deposit and I never received a bill. I was unaware of the balance until it showed up as a collection account on my credit report. I immediately called XXXX and was the representative advised me they would recall the debt and reverse the charge off and bring my account back in good standing and that the collections trade line by XXXX  XXXX XXXX XXXX would be removed from my report. It was onli updated to paid and I called XXXX back and they advised me that they had already notified XXXX XXXX XXXX XXXX that it was no longer a valid debt and that it should have been removed.

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 2020-07-25 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: Nelnet, Inc.
State: MA

Complaint narrative:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 90 - 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: OK

Complaint narrative:
The company has continued to report that my debt is not paid to all my credit bureaus dropping my score by 23 points yesterday even though the amount is paid in full. They also refuse to provide a receipt of payment in full to help my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: States Recovery Systems, Inc.
State: CA

Complaint narrative:
I moved from my apartment And shut off my XXXX service when I initially set up service I paid a deposit and I never received a bill. I was unaware of the balance until it showed up as a collection account on my credit report. I immediately called XXXX and was the representative advised me they would recall the debt and reverse the charge off and bring my account back in good standing and that the collections trade line by STATES RECOVERY SYSTEMS INC would be removed from my report. It was onli updated to paid and I called XXXX back and they advised me that they had already notified STATES RECOVERY SYSTEMS INC that it was no longer a valid debt and that it should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
My capital one card was closed 2 years ago and written off. I have been receiving credit drops, because capital one sells the account to XXXX XXXX Capital one sold it for collections XX/XX/2020. I have XXXX knowledge of this report and it has dropped my points tremendously, Ive tried contacting the XXXX XXXX, but its takes weeks to get an response. Im hoping you can get this removed off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I believe my credit score has inaccurately reflected my credit history and have I have been unable to get a response from XXXX as to why. For example, earlier this year, in one day my credit score dropped over 100 points, but nothing changed in terms of accounts, balances or history with my credit to explain why my score decreased by over 20 %. All inquiries submitted to the agency, which are done electronically have received no acknowledgement or response.

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 2020-07-25 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: NJ

Complaint narrative:
I believe my credit score has inaccurately reflected my credit history and have I have been unable to get a response from experian as to why. For example, earlier this year, in one day my credit score dropped over 100 points, but nothing changed in terms of accounts, balances or history with my credit to explain why my score decreased by over 20 %. All inquiries submitted to the agency, which are done electronically have received no acknowledgement or response.

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 2020-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLIANT CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/XXXX, of this year I applied for a loan though Alliant Credit Union 's online application to refinance my current mortgage, later that day I received an email from XXXX XXXX requesting further information to complete the application. 
I swiftly provided the requested information and subsequently received another email from Mr. XXXX verifying my base salary, he also stated I have you approved and attached todays loan summary. Mr. XXXX requested a few minutes of my time to lock in the rate and review next steps. I replied to his email asking him to call me at his earliest convenience which he did shortly after. 

As soon as Mr. XXXX heard my voice he immediately tried to talk me out of continuing with the loan process, he asked what was my position at XXXX XXXX and I stated that I was a XXXX XXXX  ( this information was on the loan application. ) He then stated that because of my reduction in hours I would not be approved for the loan ( we had no prior discussion about reduction in hrs. ) I asked why he assumed that I had a reduction in hrs and told him that I was not laid-off or on any type of leaves and was not experiencing financial difficulties. I then explained to him that I chose to be on call due to the fact that I would not be XXXX  as much during covid-19 but I am still receiving my pay from XXXX XXXX. I also advised him that I had recently paid off my car loan with Alliant before that end of the loan which is not the actions of someone who was in financial distress. 

I was astonished at the fact that Mr. XXXX had seemly changed his mind about approving me for the loan after calling me. My credit score was still over XXXX and my year to date earnings was still $ XXXX. The only new information he gained from the call was that I am XXXX American, I had to convince Mr. XXXX to continue my loan process which he claimed he would do, but he also had a warning for me that I could loose the {$420.00} which I would be paying for the appraisal if my loan was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: BMW Financial Services NA, LLC
State: VA

Complaint narrative:
I am writing for immediate assistance as I am furious with BMW and XXXX regarding erroneous and incorrect credit reporting done on my account. 

On XX/XX/2020 the loan on my XXXX XXXX account ended. I contacted BMW and was told that I had the option of paying the car off in balloon payment, getting a new XXXX or refinancing through your third party refinance company XXXX. I was told by BMW that I had 30 days from XX/XX/XXXX to make a decision before any credit reporting would be done. On XX/XX/XXXX I contacted XXXX as I decided to apply for a refinance for this vehicle. This refinance was approved on XX/XX/XXXX. I specifically asked and was told that as of this date, XX/XX/XXXX, that my account would be placed in a hold status with BMW and no negative reporting would be done as the account was in a refinance status. So to my surprise when I wake up this morning and see that BMW has reported me as 30 days late on this loan and caused my credit score to drop 47 points. I am completely furious and demand this is corrected immediately. 

The facts of this are below : On XX/XX/XXXX the old Account expired. I contacted BMW for options to keep the car or get a new car and was referred to XXXX. 

I applied for the refinance of the XXXX and was approved on XX/XX/XXXX by XXXX. I asked the representative on this call and numerous times after if I would be reported as late by BMW and was told NO I would not be reported late as the account was placed in a hold status on XX/XX/XXXX. 

On XX/XX/XXXX the loan with XXXX was initiated. 

On XX/XX/XXXX BMW received the payoff for the old loan. 

New loan began. 

I am demanding that BMW correct my credit report immediately or I will seek legal action against BMW and XXXX for this erroneous and incorrect reporting. Please respond with your intent to have this corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PCN will not allow me to connect my account with my choice of stock vendors specifically XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I am filing this complaint regarding a unknown debt that is continued to be reported on my credit report { s } endangering my excellent credit and overall financial status. 
The company is Radius Global Solutions, reporting a creditor XXXX XXXX? as a client. 
alledging a debt of XXXX. I have sent Radius 2 communications via USPS. This debthas caused me 2 denials for 0 % credit cards that otherwise according to the underwriters that denied me state that I would be qualified for. 
I feel based upon that alone would be grounds for legal action as this company has denied my requests for validation and continue to report an alledged debt that does not belong to me.I am a litigious consumer who will take action in this matter ifit is not removed from my credit report immediately. Radius has committed violations thus far that make me privy to at least $ XXXXI have worked at a major company in U.S. ANDWOULD have been notified of this debt and would have been paid but it is not my debtand I WANT IT REMOVED FROM MY CREDIT REPORT ( S ) 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 explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am contacting about cash app. This company has allowed someone who is not the cardholder to connect my card to their account and drain my account of all my funds. There is no number to contact them to look into the matter. The person made over 6 unauthorized charges on my debit card and was able to get away with XXXX in cash. I have filed a police report and am waiting g to hear back from the police. Cash app policies are a big security breach. My cash app wasnt hacked but my card was stolen. Yet cash app has no security feature that prevent anyone who steals anothers card information from draining their bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America NA charged me {$75.00} annual fee for its XXXX   XXXX  credit card. However, during the Covid19 with all travel advisories and local restrictions, it is intangible to be use the benefits associated with the annual fee. I contacted Bank of America numerous times, and once their phone agent agreed to waive the fee but mentioned the system did not allow refunding a fee charged several months back. In subsequent conversation, another agent said they are unable to refund the fee. The fee is essentially for service not delivered.

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 2020-07-25 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: PA

Complaint narrative:
Equifax has placed a false reading in my credit report. Equifax reported that from XX/XX/2020 through XX/XX/2020 I went from a 26 % usage to a 39 % usage on my XXXX  credit card and again that is a false report due to the fact that I have not even used that card in many months. They took my credit score down 11 points. I have not been out of work nor laid off at anytime during this coronavirus Pandemic and  have paid my bills on time or before time and therefore I need this to be investigated. I have proof that I haven't used my XXXX card at all I'm months. I've done so well that the company wants to give me more credit but I have not accepted the offer. Every since I have started looking for a home Equifax have been bothering my credit score in a negative way and I believe that I am being redlined by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
When applying for the XXXX XXXX XXXXXXXX rewards card the application has a section that asks for the SSN of the business applying for credit. When I clicked on the icon next to the SSN section it said " Your Social Security Number or Individual Taxpayer Identification Number is required to verify your identity '' there was no mention of my credit being pulled, causing a hard inquiry on my credit report to appear. Here 's a copy of the decision : American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XX/XX/2020 XXXX : XXXX Dear XXXX XXXX XXXX, Thank you for applying foXXXX XXXX XXXX XXXX Rewards Card from American Express. We are writing to let you know that, unfortunately, we can not approve your application at this time. 

Reason ( s ) for Our Decision Your FICO score ( see below ) Information About Your FICO Score We obtained your FICO score from XXXX and used it in making our credit decision. Your FICO score is a number that reflects the information in your credit report. Your FICO score can change, depending on how the information in your credit report changes. On XX/XX/2020, your FICO score was XXXX. The FICO score ranges from XXXX to XXXX. The following are the key factors that contributed to your FICO score :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I received notice from DovenMuehle Mortgage that my escrow was short due to increase of insurance and property taxes. I was advised I needed to pay additional amount of {$280.00}, and based on this dollar amount, my monthly mortgage payment would increase. ( Normal occurrence in life of Mortgage Loan ) Not wanting my monthly payment to increase I paid double the amount requested and asked for a re-calculation of my monthly payment. The reason I did not want the increase is that I had previously had a Loan Modification that increased my monthly payment by {$130.00}, in XX/XX/XXXX. ( this Loan Modification was needed due to DovenMuelhle 's inability to communicate in timely manner. ) I nearly lost my home because of Dovenmuehle 's bad practices. I have made several attempts by phone and in writing to get my monthly payment recalculated. Dovenmuehle has refused to re-calculate my monthly payment even though I paid more than requested. Your assistance in getting this matter resolved would be greatly appreciated. My contact information is below : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Email : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Roach & Murtha, P.C.
State: NY

Complaint narrative:
To whom it may concern In XXXX i moved to XXXX from US.  Beetween XXXX I live in XXXX. I only came to US for vacation. And i didnt receive any document from collector or Court. Our bank account was frozen on XX/XX/XXXX. ( with my husband ) My husband called the Roch and Murtha company. The company emailed us a paper to release the account. And they never told us that we could defend ourselves. I signed the paper on the XXXX of the month and approved it from the notary. I sent the company by email. Our accounts were released at XX/XX/XXXX and {$6700.00} was withdrawn from my account for debt. On the XXXX of the XXXX, I received letters from the company and my bank separately. It is written in 2 separate letters that I can appeal. These letters were mailed to me on XX/XX/XXXX, when they guaranteed to get the money from me. 
The letters also say that if " my income is unemployment benefit '' they can not withdraw money. Even so, they withdrew the money. XX/XX/XXXX I went to the court concerned to vacated a judgment. XX/XX/XXXX was the result, Judge declined. Because my prove is to complicated. I will do clearly with my old passport. As a reason, I wrote that I was not in the US at the time, on the court date, and that my unemployment benefit was confiscated. Despite this, I was rejected. 
I complain about this company because they didn't tell me about my defense rights. What can I do legally, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: KS

Complaint narrative:
Our mortgage was sold by XXXX XXXX XXXX to freedom mortgage around XX/XX/2020. Ever since, my husband and I have been contacted by Freedom Mortgage on almost a daily basis. They have contacted us by phone, email and mail insisting we refinance our mortgage to get a lower interest rate. We have repeatedly explained we are not interested and yet they still keep calling. We requested to be taken off any list that requires them to contact us about it this matter. When we tell them we do not want to lower our interest rate, they become rude and pushy. They want us to explain why we are choosing to pass on their offer. They do not accept no for an answer. After speaking on the phone, theyll send us emails to sign paperwork electronically. When we do not respond to emails, they send hard copies in the mail for us to sign. Ive been tactful when speaking with the representatives and they will not stop insisting we do as they say. We are looking to take our business elsewhere because this is harassment and bad business.

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 2020-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/2020 I closed my Visa Credit Card Account. I sent a final payment which bank never received. Now my credit report with XXXX is reflecting and increasing the amount of deficit I owe. I called Synchrony Bank/Gap Visa and made a final payment again, registered mail. The problem here is that there are at least 5 different mailing addresses for this credit payment. I forwarded all this info to XXXX, filled out their dispute form and would like to include XXXX in this complaint as XXXX and XXXX had no problem handling all of this credit XXXX over the phone and resolved it. 
I believe Synchrony Bank/Gap Visa has a major problem with keeping track of credit card payments and handling its customers thru XXXX. XXXX seem to relish all the paperwork and hoops that they make their XXXX-rated consumers have to jump thru to get a simple job done.

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 2020-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: TN

Complaint narrative:
there was a debt collection on my credit report so I started contacting rash Curtis and Associates in XXXX California over 6 months ago after not being able to reach a settlement with them to get this removed from my report I then did a fraudulent report online through the government website for identity theft at that point I sent them letters and emails with both those documents including documents were sent to the hospital where the original debt was from and now I keep sending them emails every week and they still will not remove this from my debt collection report this is a fraudulent debt from XXXX hospital California

Company response to consumer: Closed with explanation