vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I enter into a payment arrangement with representative XXXX XXXX of XXXX XXXX XXXX. According to Mr. XXXX, I had an outstanding balance of {$1500.00} from The XXXX at XXXX. I was surprised because I was currently in the process with XXXX ( from XXXX ) of getting a balance adjustment. According to Mr. XXXX, although I was working things out, that I needed to take care of the bill before he sends it to the 3 credit bureaus. I asked him what can I do to prevent from hurting my credit. Mr. XXXX ensured me that if I make a payment and continue to be current with the payment arrangements that they would prevent any derogatory reporting to any credit bureaus, PLEASE ASK TO LISTEN TO THE CALL RECORDINGS. ( It should be noted they record every call ) Even though I have NEVER missed a payment and/or never later ( they drafts my account ever 2nd of the month ) XXXX XXXX XXXX blatantly violated the agreement by reporting as a late payment, the wrong amount, and being sent to an attorney ( WHICH ARE ALL FALSE ). Please note that following the XX/XX/2020, payment on XX/XX/2020, they reported me late before XX/XX/2020 payment was due. I inquired with Mr. XXXX and he acknowledged that I was not in violation but he continued to try to collect {$470.00} and would remove the account from my credit report. I contacted Mr. XXXX XXXX manager, XXXX XXXX. According to Mr. XXXX, the verified that my account was NEVER late and missed any payments and there was a computer malfunction and that he would immediately DELETE the collections for All credit bureaus. According to Mr. XXXX, he submitted the initial deletion letter on XX/XX/2020. It now XXXX and this company continue to update this account with inaccurate and completely false information. After several attempts to have my account corrected, they continue to lie and refuses to provide me with a copy of the deletion letter and the printed payment history. I have left several messages and now Mr. XXXX no longer responds.

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 2020-11-11 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: OH

Complaint narrative:
The accounts on my credit report are in violation of Federal Law. I have requested a few time before a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. I have no record of doing business with any of these companies listed below. XXXX XXXX, Equifax, XXXX  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 or reported inaccurately. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: OH

Complaint narrative:
The accounts on my credit report are in violation of Federal Law. I have requested a few time before a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. I have no record of doing business with any of these companies listed below. XXXX XXXX, XXXX, Experian 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 or reported inaccurately. I demand the following accounts be verified or deleted immediately : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX {$500.00}

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 2020-11-11 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: IL

Complaint narrative:
These collection and closed accounts are fraudulent and there are hard inquiries that should not be on my credit and are to be deleted, customer service is not responding. Please delete. Please see police report attached.

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 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SPECIALIZED LOAN SERVICING LLC charged me a late fee and I have never been late on any monthly mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: IL

Complaint narrative:
These collection and closed accounts are fraudulent and there are hard inquiries that should not be on my credit and are to be deleted, customer service is not responding. Please delete. Please see police report attached.

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 2020-11-11 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: IL

Complaint narrative:
These collection and closed accounts are fraudulent and there are hard inquiries that should not be on my credit and are to be deleted, customer service is not responding. Please delete. Please see police report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: U.S. BANCORP
State: GA

Complaint narrative:
Elan Financial Services closed my account and called me a XXXX and said they dont have to send me my Secured Cash deposit back to me and further stated that were going to ruin your credit, a XXXX  XXXX  make customer service representative expressed this kind XXXX doing our exchange on the phone. Man Ive never let a man or woman take anything from me, period, the courtroom is where Im in charge. Nobody is in charge of me, calling on you the Consumer Financial Protection Bureau to just forward my concerns along with instructions and directives under Law and from there I will make XXXX money, theres not a XXXX out there thats in charge of me, I Win

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 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SPECIALIZED LOAN SERVICING LLC charged me a late fee and I have never been late on any monthly mortgage payment.

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 2020-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I reported 2 unauthorized transactions to chase made on XX/XX/2020 and XX/XX/2020 for {$210.00} and {$410.00} respectively. At XXXX and XXXX. I did not make the purchases that I reported and the bank has since reversed the credit and charged my account again. When I called asking how they came to that decision they simply said because the merchants had not approved the charge back and I was told to contact merchant directly and resolve the issue with them. I did contact both merchants directly and after several phone calls and a few hours of confusion and misdirection and misinformation I came to the conclusion that the bank is the one that needed to deal with it. I called my bank again looking for support and didnt receive any. On the contrary they made it seem like I was the bad guy in this and refused to do anything further and gave no advice as to how to proceed and would not send me more information on the purchases and have been very rude and hard to get help from. My bank in question is Chase bank and the purchases were made with my debit card allegedly although its unclear if whoever made the purchases used a pin or not or if the card was actually used or Information manuall entered. They havent been willing to disclose my own information which I find odd. I need help recovering my money, times are tough and I have a family with a XXXXyear old little girl. This is the first time Ive ever had to reach out this far to settle a problem. And I feel like Ive done my part and my bank has let me down on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
Direct deposits from my employers have always been deposited on Tuesday 's. According to Chime bank the funds are deposited as soon as they are received by employers. My deposit was submitted on the same time of XXXX XXXX on Sunday XX/XX/2020 per my check stub and deposit slip. Chime has multiple users across the country requesting information on why they have not received this weeks deposits with only a general automatic reply as an avail. This company prides itself on 2 day early deposits and financial freedom ... and has had so many downfalls. No 2 day deposits, no financial freedom, and every other week their internal system are down to a point where you may or may not be able to access any of your checking/saving funds for days at a time. Chime either needs to uphold the standards of the many other legitimate and professional financial settings or should be immediately shut down until their CEO as well as their internal system is physically prepared for the magnitude of customers seeking the perks that they are seemingly false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 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 2020-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I tried faxing i.d an proff identification card an Equifax steal having tried fixing it going on year My I cant use .my credit steal letting company use account I lost so much money bank accounts card dealing false birthday

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
my name is XXXX XXXX XXXX capital one 18 months never late XXXX XXXX XXXX pod special handing XXXX XXXX XXXX this is ssa fraud deposit before any changes day XX/XX/XXXX XXXX XXXX XXXX totalXXXX XX/XX/XXXX insurance fraud state auto XXXX XXXX XXXX XXXX credit breach XX/XX/XXXX atm errors refund blocked XXXX XXXX XXXX each deposit billed labeled dated fraud alert

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Associated Credit Services, Inc.
State: LA

Complaint narrative:
I paid for a XXXX XXXX  Membership in XX/XX/XXXX at XXXX XXXX XXXX XXXX in XX/XX/XXXX. Things were fine until the park closed due to the virus and I wasn't able to access the service I paid for. XXXX XXXX continued to bill my credit card monthly even though the park was closed. I stopped paying in XXXX because the limitations on accessing the park were unrealistic and fundamentally reduced the service I was paying for. XXXXXXXX XXXX refuses to refund my fees for the months it was closed and continues to bill me monthly even though my membership expired in XX/XX/XXXX. They have turned the account over to collections. I tried to talk to them yesterday but they insist that the auto renewed months must be paid before they will cancel my membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Received a letter from Wal-Mart 's Capital One Master Card Stating Important Information About Your Account Dear Me Recently during a regular account review, we noticed you've only been using a portion of your credit line. To better fit your card usage, we've reduced your credit limit to {$4000.00}. It had been {$6000.00} and this company is punishing myself for always paying my balance off every month and for not making them money with charging me interest. I have for the past year every month received a XXXX SCORE of over 800 and feel this company is completely out of line reducing my credit limit for being a good consumer. I called them and ask why and it was stated that I did not use my card enough. So you feel I don't use my card enough and that gives you the right to punish/bully me? Sorry was what I was told. Wow that's a first for me. I am a home owner for 21 years now and all my bills are always paid on time/never late! I mean what has this country become when you do what's right and these bullies reduce your credit limit on a Capital One Wal-Mart credit Master Card? Little do they know I had planned on using it and spending a great sum of money online for this Black Friday XX/XX/XXXX but they chose to highly XXXX me off and won't see another XXXXl from me ever again. I will be sure to let all know that Capital One located in XXXX, NC XXXX are truthfully a bunch of bullies. I only had to use their card do to Wal-Mart changing their previous stores credit card being XXXX XXXX and that was a year ago. Funny thing is Capital One just sent me a Congratulations on one year with us! In my previous statement/bill that will be paid in full on XX/XX/XXXX and I get this letter from them two days later on my punishment's/reduction in my credit limit. So they really are a bunch of bullies and the world should know of their unethical business practices. Again they messed with the wrong consumer for I will be a thorn in their side till the day I die! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
my name is XXXX XXXX XXXX XXXX XXXX 18 months never late XXXX suntrust bank pod special handing XXXX XXXX XXXX this is ssa fraud deposit before any changes day XX/XX/XXXX XXXX XXXX XXXX totalXXXX XX/XX/XXXX insurance fraud state auto XXXX XXXX XXXX XXXX credit breach XX/XX/XXXX atm errors refund blocked XXXX XXXX XXXX each deposit billed labeled dated fraud alert

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 2020-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX bank of america XXXX XXXX XXXX XXXX we charge more than i fee in error XXXX XXXX XXXX XXXX ssa fraud ga alert XXXX XXXX XXXX labeled int XXXX XXXX XXXX XXXX XXXX XXXX XXXX abuse credit breach ssa fraud

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 2020-11-11 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: FL

Complaint narrative:
I disputed the account XXXX XXXX XXXX with Experian on XX/XX/2020. I requested under the Fair Credit Reporting Act that Experian provide information to proof the account accurate. 

On XX/XX/2020 Experian did not provide any information to prove the account as valid, but they allowed the account to remain on my credit report ( this is illegal ). I complained about there being no documentation provided to prove the account as valid on XX/XX/2020. 

It is now XX/XX/2020 and Experian still has provided no documentation to prove the account as valid. They have opened a new dispute on XX/XX/2020 instead of removing the account that was disputed on XX/XX/2020. They are in breach of federal law, and the CFPB is allowing them to break the law. I have disputed this several times this year and still XXXX has not been fined. 

Damages include my credit score being lower than it should be which has caused me to pay higher interest rates over the years. I am also not able to apply for credit cards, homes, or jobs that require good credit because of XXXX XXXX neglegence in investigating this issue. Experian and XXXX should have to pay damages after removing this fraudulent 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 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
1.-Capital Bank made mistake by their software system processing a payment that was rejected however, the payment to the card was made to have the balance available and make an online purchase. 

Purchase was approved and inicial payment failed, as a result " overdraft credit limit '' When I found it out, I immediately called to report what happened, they verified what happened, and after a while they have closed and canceled my two credit cards. 

I appealed the decision, without success. 

Then I went through hard times like everyone else and I had a lot of mess in my payments. 

When I got my unemployment insurance payment because of pandemic, I made payments but then the minimum payment was impossible for me to pay, even today. 

I have called more than once a month looking for some kind of program or relief. But apparently my account has a red flag because the representatives changed their tone of voice once they entered the detail of my account. I explained that the pandemic affected me with lack of employment and XXXX due to XXXX. 

Empathy and affordable options, that's all I ask

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I sent a certified letter requesting a full accounting of my loan from conception XXXX XXXX to current date. I asked to know where my payments are posted all fees and other charges and why there is a additional {$10000.00} added to my loan with no breakdown and why on my statements am I being overcharged for escrow and property taxes? I need a full accounting to see what is really being applied and where. The last time my attorney asked they gave a partial accounting but I cant see where they got their numbers if its only a year or two. Also I need it to be legible and readable not in microscopic print when the printer is run out of ink. I have had several servicing companies so I am very concerned about miss management of my payments and late fees charged when I sent my payments certified every month but the servicing company holds the check for 10+ days before cashing. 

What I would like is a Legible readable accounting of my loan with all breakdowns of expenses, payments posted, taxes, insurance and other charges and why is there so much money being put into a unapplied funds column that just seems to disappear.

Company response to consumer: Closed with explanation