vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Midland Credit took over the XXXX XXXX account since it was deliquent. This was then sent to XXXX XXXX XXXX XXXX XXXX. I contacted the law firm in XX/XX/2021 to settle the account. The account was then settled and they informed me they will send a letter to Midland Credit. My account has continued to show up as late/unsettled for the past 6 months. In XX/XX/2021 I called Midland Credit to ask why this is still reporting as unsettled. They stated I needed to call XXXX XXXX XXXX XXXX XXXX. I called the law firm and they reported this account was settled and letter was sent to Midland Credit in XX/XX/2021. I called Midland credit again, numerous times, and was told they would be requesting a letter from XXXX XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX again in XXXX XXXX and they are still showing a balance on a settled account. I asked what I needed to do and they asked I call the Law firm. It has been 6 months and Midland credit refuses to update my account. I have asked to speak to managers and have been refused stating they can not assist. Again, this account was settled with XXXX XXXX XXXX XXXX XXXX since XX/XX/2021. Midland credit will not udpate my account so it can reflect on my credit. 

The amount in question is {$210.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
Hello, I got asked to create a song. They offered to pay me XXXX but sent XXXX on " Accident ''. 

I deposited the check into my wellsfargo account the XXXX of XX/XX/2021. 
The check cleared and was in my account, so I sent them 4 payments of XXXX, only to have that check bounce 3 days later. I wouldnt sent them any money if the check wouldn't of cleared. I didn't get any notifications that it could be a fake check. I didn't have any pendings over the check it was all in my account. 

The account the contacted me was through XXXX, this is the account. XXXX The email address the check came from is XXXX Hope this information helps!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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:
i have contacted all 3 credit bureaus as well as XXXX XXXX XXXX 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, equifax is reporting it as open and XXXX  and XXXX are reporting it as a collection... equifax is also reporting this 120 days late and a collection thats double dipping, equifax is reporting a past due balance on a " collection '' ... .look at the 2 year history it is not uniform across the board which it should be ... there are so many violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: PA

Complaint narrative:
i have contacted all 3 credit bureaus as well as XXXX XXXX XXXX 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, XXXX is reporting it as open and XXXX and experian are reporting it as a collection... XXXXXXXX is also reporting this 120 days late and a collection thats double dipping, XXXX is reporting a past due balance on a " collection '' ... .look at the 2 year history it is not uniform across the board which it should be ... there are so many violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: CA

Complaint narrative:
I was reviewing my credit report and this account from XXXX XXXX XXXX, XXXX is unfamiliar to me. I don't know this account and I have filed an FTC report and I will attach it here.

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 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
i have contacted all 3 credit bureaus as well as Midland 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing? this account has been showing as re aged for over a year now which is a tactic these people use in order to try to move the statue of limitations to sue you ... Midland is shady i know of friends that theyve done the same thing to and my friends were awarded a judgement by the courts against Midland..I am ready to do the same if this is not deleted and not resold

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
UNITED REVENUE CORP placed a collection debt on my credit report that do not belong to me the original creditor is XXXX XXXX XXXX. I have tried to explain to United Revenue Corp that I do not owe a debt to any medical facility. I advised that I have been a victim of identity theft. Also advised the collection company me and my daughter name are similar and we have the same birthdate and there are sometimes a miss up in our information but the collection company refuse to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: FL

Complaint narrative:
I have several fraudulent Inquiries on my credit report that Transunion is Reporting, I've contacted Transunion and these creditors and they still have yet to be removed. I have no recollection of giving these companies access to retrieve my credit report. These inquires are from the following companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a debt notice from Phoenix Financial Services for a medical bill. My underaged son was seen on XX/XX/XXXX and we never received a bill prior to receiving this debt notice. I called Phoenix Financial Services and inquired about the bill. I then called my insurance provider ( XXXX  ) and they informed me that they were never billed by the medical staff. I called Phoenix Financial back and explained to them that their client never billed my insurance and that they needed to do that, I then gave them XXXX 's address. On XX/XX/XXXX, Phoenix Financial called me back to attempt to get the debt resolved by me paying the bill, I then informed them again that their client did not file a claim with my insurance company and I was not going to pay the bill. In XXXX of XXXX, I checked my credit report and saw that Phoenix Financial just placed a collections report on it. After I provided multiple rebuttal attempts to the credit agencies to get it removed from my account, I decided to contact XXXX to see if a claim had ever been filed. XXXX informed me they a claim was indeed filed and the Medical Provider was paid on XX/XX/XXXX. XXXX sent me an Explanation Of Benefits and I provided it to the credit agencies and XXXX was the only agency to remove the collections from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I made a purchase on my Nordstrom credit card. I ordered two boots in the amount of XXXX On XX/XX/2021. The delivery was made and left on the street. We live in a security building. The package was left outside the security building one the street. I contact the credit card company and Nordstroms to either reship my order or give me a credit. I have been given the runaround for a month now with no resolution. I want credit back for the package I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Associates, LLC sent me a false and deceptive letter attempting to collect an alleged debt. The alleged debt is not verified nor is it validated. The alleged debt is listed as a positive number. I have not relationship whatsoever with this company. Where does this alleged debt claimed by Portfolio Recover Associates, LLC fall under UCC 9-110 under Article 2 or 2A?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am exercising my right to validate an alleged debt with Midland Credit Management Inc On XX/XX/2021, I mail via XXXX certified letters which were received by their office on XX/XX/2021, to Midland Credit Management Inc, at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX. In the letters, I REQUESTED they ( Midland Credit Management Inc ) provide a DETAILED AND COMPLETE AUDIT TRAIL of their alleged debits, I REQUESTED they zero out the balances and remove ANY AND ALL INFORMATION pertaining to these ALLEGED DEBITS from all consumer reporting agencies. 

They DID NOT send me the above-requested information nor did they remove the information from CRAs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 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: Self Financial Inc.
State: GA

Complaint narrative:
I have a subscription with self lending. I have made all my payments on time however as of XX/XX/2021 its showing I missed a payment and that is false. i tried to contact them multiple times regrading the situation but Im having a very difficult time getting in touch with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I paid, via bill pay, {$500.00} to my credit card at XXXX on XX/XX/2021, the payment was never made and the bank kept my money. The initial refund and admittance to the payment not being made was on XX/XX/2021. Then an authorized debit of {$500.00} was done on XXXX XXXX. They initially refused to start a dispute on XX/XX/2021 And XX/XX/XXXX and then again on XX/XX/2021. Finally I had a dispute started again on XX/XX/2021. I have not received any notification of any action thus far.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have tried for months to access my credit report through my account at service.transunion.com and have not been able to do so. I have not been able to utilize the account in any capacity. I have spoken with representatives and they have not been able to resolve the issue. They have taken my number and not followed up on the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC
State: AL

Complaint narrative:
I was initially contacted by Mountain Run Solutions via text message on XX/XX/XXXX, stating that had purchased an account and there was a balance due of {$400.00}. I called the number from the text and explained that I didn't owe any money in that amount to them. I asked for documents and an explanation of the total. The lady stated it was for 8 months of monitoring services for {$39.00}. I explained again that information was false and wanted to dispute the balance. The representative stated that she will not accept a dispute. I asked for a letter in the mail or some documents. She later emailed an invoice that only showed their name an address and the balance, nothing showing how they come to XXXX. The lady then became irate and stated that the debt was valid. She hung up the phone. I attempted to county the company back serial times, however, they blocked my cell and home number and I was unable to contact them via phone. I then submitted a dispute on XX/XX/XXXX via email to the representative as well by mail. The company never responded with any information but instead without validating the balance submitted it to my credit report. I then phoned the monitoring service XXXX and they were not familiar with that company and it sounded like fraud and to dispute the account through XXXX and also obtain an attorney to communicate with the company. I have disputed the account serial times over the last 3 months and without any resolve it has not been resolved. I submitted the final statement bill as well the payment to credit agency to show the balance that was due to the alarm system had been paid directly to the Monitoring service of {$290.00}. The company stated that they did't have any documentation to submit to me and it I wanted to settle the account for {$350.00} they would remove it from my credit report. I do not owe Mountain Run Solutions any money. The account was paid directly to the Monitoring service. It appears that this company thats based out of XXXX, Utah has a history of deceptive practices. They refuse to communicate or to send out any documentation to validate or prove theres an amount of XXXX owed, in which it is not.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Application Reference Number : XXXX On XX/XX/2021 I walked into a XXXX XXXX XXXX  located in XXXX, Oklahoma and applied for a JC Penny credit card at the counter. The Sales person was instructed to call somewhere and get further verification. I was handed the phone and gave all information pertaining to the application. I was then told that further review was needed and it would be 7 days before a decision would be made. 

I would agree with this process if " all '' who applied went through the same experience. But, this is not the case. I know other JC Penny customers how had no issues and were approved at the time of purchase. My complaint hinges on the fact that I feel Discriminated against. I understand everyone carries a unique credit history but I also know my credit history is just as good or better than those who have no problems getting a JC Penny credit card. 

On XX/XX/2021, I called to follow up on my credit approval status and after many calls I finally spoke to a Synchrony Bank supervisor in the Account Specialist Dept. named XXXX ( XXXX ID XXXX ). I politely conveyed my feelings about being singled out and just wanted to inquire as to why? XXXX just kept repeating that it would take seven days for review and there was nothing else she could offer me. I just wanted to learn why and what problems existed to subside any feelings of discrimination. 

My complaint is that a JC Penny credit approval process should not take 7 days to complete. Not in today 's real-time processing environment. If indeed, this is Synchrony 's Bank policy, it's discriminating. Not in the approval or denial decision but in the time this decision is made. The decision " time '' I believe is the discriminating factor here. It's therefore, I'm demanding a decision be made in the next 48 hours as of XX/XX/2021 XXXX pm XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I called chase XXXX to dispute a charge. The agent asked me to explain, and I shared that I had paid for a medical test from XXXX XXXX but they provided the wrong test to me. XXXX had promised to refund me and had not done so. The agent insisted on asking me for details about the ets and what it was for. I responded that i did not want to share private health information and he had no right to ask about that. He insisted he needed the details to process the dispute. The agent was based in XXXX and was ignorant about our laws protecting the privacy of health records. I asked for a call back from a manager and no one called.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
COMPLAINT ID # XXXX XX/XX/2021 Re : Rocket Mortgage,XXXX XXXX XXXX, XXXX, Michigan XXXX ( XXXX ) XXXX rocketmortgage.com - Loan # XXXX XXXX ) I told them that I pay property taxes and insurance outside of my mortgage, yet they insisted on adding them to my debts. After I reported them to the Bureau, they added back some amount to my income to balance it out. And they used the wrong income : {$1200.00} instead of {$1200.00}. I had to wait a month to get the official SS Award Letter to show {$1200.00}. 

It does not matter how much they add in or take out. Their calculation procedure is not transparent. There is no accountability. You just have to take it at face value, however they calculate it. 

2 ) After the Bureau forwarded my complaint to them, they offered me 2 refinance packages. I accepted one package on Monday, XX/XX/XXXX. On Friday, XX/XX/XXXX, they went back on their word. They said I no longer qualified for the loan. 

I did not think I would ever get a refinance loan from them, the way they strung me along, and went back and forth between qualifying and disqualifying. 
No one shoud ever have to go through this. 

3 ) It's a small mortgage, only 150K. I have no car debts, no credit card debts. I also pay property taxes and insurance outside of my mortgage. My DTI should be 55 %. Adding utilities cost, it should be well below 65 % to qualify for the loan. 

It's unconscionable for a XXXX widow to keep paying a mortgage at a high rate, when rate has come down considerably during the pandemic. Millions people are out of a job without any income, and I have steady Social Security income. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation