vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DataMax Corporation
State: NC

Complaint narrative:
They keep responding with working on problem to meet your requirements or deadline to respond but simultaneously not removing the fraudulent or law violations off my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
on XX/XX/2021, i sent my first letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX to midland funding, llc, since then they has never responded to any of my letters, on XX/XX/2021 nor XXXXthey are in violation of the law by not responding within the 30 days time frame by law. I would like this inaccurate and unverified item deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: VA

Complaint narrative:
I spoke with XXXX XXXX many time about them reporting incorrectly to the credit bureaus. When I finally did get an answer the rep was so rude that I closed my account. They are reporting late payments and want this account removed from my credit report

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 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XX/XX/2020, I received a notice about enrollment in a Chase Mortgage Covid relief program. However, I was unable to enroll in the program because Chase Mortgage immediately transferred my mortgage to XXXX XXXX XXXX. XXXX XXXX XXXX did not honor Chase Mortgage 's Covid relief program. In addition, XXXX XXXX sent a notice demanding final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I asked them company to send me a bill of sale or proof that they own this debt. I only received bills. I need them to delete this off my credit report. They are violating my rights. I need to know who owns the right to collect this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
When XXXX XXXX  bought XXXXXXXX XXXX XXXX the problems began. XXXX 's had a easy to work with XXXX XXXX card. Since the opened in XXXX, MT I think I had only 1 or 2 issues with them dealing with the credit card and or payment. Once it was because my local bank was absorbed by XXXX XXXX XXXX  and I forgot to change the checking account info which was a honest mistake. 

Well now XXXX XXXX enters the picture using Mastercard instead. I used their card to purchase only gasoline for my car never exceeding {$35.00} way back before Biden was elected POTUS Now it takes {$45.00} to fill up the same vehicle. 

I committed another honest mistake and forgot my password. Using their web site they make you call a customer service rep, most likely in XXXX as it's always a female voice trying to speak understandable English which I never can understand. When I ask to please speak to someone I can understand they hang up on me. You can not make a payment with their phone payment service. 

Most companies have a link you can use to easily change your forgotten passwords not this time. 

Please note it seems to me that several credit card companies are purposely making it obnoxious to try to pay by phone. Long winded make you write down payment options in advance before asking you how much you'd like to pay. Most genuine card companies used the language of current balance, statement balance or a different amount..not these guys. Seems they want to annoy you so you hang up instead. 

Best guess since this has gone along time I made a gasoline purchase of about {$24.00} or so and this is when the fun began of charging me late fees and interest..well over {$400.00} currently I believe. 

I wen to to XXXXXXXX XXXX service desk to have a witness when I made their company that took over the account for payment and offered them {$100.00} for clear the entire matter. They refused. I got a letter from that same company offering me a {$100.00} payment possibly with a 10 % discount offer just recently. However I had to go to the XXXX  and misplaced that letter. 

I can't see this fact any other way but I believe these 3-4 credit card companies are in cahoots to annoy their credit card customers into wasting money with expensive postage stamps and never intended to be customer friendly ever. It all happened around the same time as well. I maybe wrong but I doubt it. They love tacking on latre fees and interest to be wealthier, This cars is J P Morgan/Chase I believe..Chase has the credit cards in my understanding. I am not positive on this. Calling them when I missed their calls was useless as the XXXX  female speaking English always hung up on me there as well. As a positive note the company or agency they turned my account over to me was generally a pleasant outfit to talk to so I give them credit for being polite and understanding people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Over the last three months I have submitted legal documents from XXXX CREDIT CARD SERVICES TO Experian Credit reporting agency to remove negative credit from my credit report. I have filed with Experian 14 times showing that my credit is perfect and 14 times XXXX states to Experian that I have negative credit with XXXX. I have a legal document from XXXX stating to all credit companies I don't have negative credit. I have a legal court date and have had contact with XXXX attorney Ms XXXX XXXX. 
( XXXX ) who has tried to fix this matter and has no Idea why XXXX is not complying with a court order and legal document attached stating to all credit reporting agencies that I have perfect credit with XXXX. I was on the Phone with Experian today and they have the legal documents from XXXX but when they contact XXXX to confirm the document XXXX denies the document.???? This has ruined my ability to get a home loan and employment due to my credit is XXXX and and it has been at XXXX for 25 years. I am a XXXX XXXX XXXX and live on a XXXX on the job injury. I am going to file a American Disability Act discrimination law suit against XXXX if they don't contact Experian and clear this matter at one.

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 2021-09-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Over the last three months I have submitted legal documents from USAA CREDIT CARD SERVICES TO XXXX  Credit reporting agency to remove negative credit from my credit report. I have filed with XXXX  14 times showing that my credit is perfect and 14 times USAA states to XXXX  that I have negative credit with USAA. I have a legal document from USAA stating to all credit companies I don't have negative credit. I have a legal court date and have had contact with USAA attorney Ms XXXX XXXX. 
( XXXX ) who has tried to fix this matter and has no Idea why USAA is not complying with a court order and legal document attached stating to all credit reporting agencies that I have perfect credit with USAA. I was on the Phone with XXXX  today and they have the legal documents from USAA but when they contact USAA to confirm the document USAA denies the document.???? This has ruined my ability to get a home loan and employment due to my credit is XXXX and and it has been at XXXX for 25 years. I am a retired XXXX XXXXXXXX and live on a XXXX on the job injury. I am going to file a American Disability Act discrimination law suit against USAA if they don't contact XXXX  and clear this matter at one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hippa laws were directly violated no permission given nothing signed for any medical information to be shared about me publicly companies have violated law and respond with working on my dispute instead of removing the accounts just to me with cfpb requirements to respond in a certain time frame!

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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hippa laws were directly violated no permission given nothing signed for any medical information to be shared about me publicly companies have violated law and respond with working on my dispute instead of removing the accounts just to me with cfpb requirements to respond in a certain time frame!

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 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I ordered an item from a catalog from XXXX. I received the item and the invoice. I mailed my check on XX/XX/21 ( it was due XX/XX/21 ) to the address provided to me. It was not cashed until XX/XX/21. When I went to my bank ( XXXX  ) I was told that the way the company deposited the check, my bank is not able to get a copy. 
I was billed a late fee, I tried calling the phone # provided and it would just disconnect. I then started receiving letters from Comenity bank to pay additional late fees. I have written 2 correspondence trying to resolve the issue. That I had paid for the product as soon as I received it. I'm an older man and have an excellent credit report. I do not pay my bills late. 
This company is gouging me with late fees. I sent my payment in time, and now they have added 5 months of late fees plus extra charges, even though I have tried to resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called and tried to get the unauthorized inquiries removed and they would not.

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 2021-09-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Called Bank Of America ( XX/XX/21 ) to remove late payment record from my closed credit card accounts. I got late payment because the card was used by an authorized user and I was not aware. Later I missed the monthly statements ( may be coming by email ) until I noticed their mail about sending to collection. The full amount was paid instantly ( very low amount ) and closed/never used that card again.

Agent on phone from Bank Of America ( BOA ) was agreed to do something for me to waive the late payment incident from my record and told me to wait for receiving the result in mail by next week. No case/ref number was available to provide. 

Just 4 days later ( XX/XX/21 ), I have found my credit score went down XXXX  points ( from XXXX to XXXX ) in XXXX and XXXX  points ( from XXXX to XXXX ) in XXXX. XXXX is not updated yet but it has a remark from same BOA account. Whatever report BOA has provided to all 3 bureaus my score did go down instead of going up. 

4 days later ( XX/XX/21 ), Ive also got a letter says call BOA back to provide additional information. I called BOA several times after that, transferred from dept to dept but no agent was able to provide any help or answer about why my score has gone down or even explain anything about their mail. 

At XX/XX/21 I called again and an agent said I will get another letter about the decision and provided me a Case # XXXX but no letter is received yet within next 7 business days. My credit scores are still destroyed by them. 

Please help. I am planning to apply for home loan within couple of month and I dont want to spend time by trusting their wrong reporting system or false commitments.

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 2021-09-07 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: EQUIFAX, INC.
State: LA

Complaint narrative:
U S Dept of ED - Acct # XXXX U S Dept of ED - Acct # XXXX Both U S Dept of Ed are reporting the following : Open Date XX/XX/XXXX | Report Date XX/XX/XXXX | Reporting Student Loans in Collection. 
Accounts are paid, XXXX balance, and XXXX past due. Accounts are not in Collection Status. 

Originator Creditor XXXX Acct # XXXX - Limit/HC {$2600.00} Account Transferred - Open Date XX/XX/XXXX. Loans Closed XX/XX/XXXX. XXXX XXXX, XXXX XXXX due. Report Date XX/XX/XXXX. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
U S Dept of ED - Acct # XXXX U S Dept of ED - Acct # XXXX Both U S Dept of Ed are reporting the following : Open Date XX/XX/XXXX | Report Date XX/XX/XXXX | Reporting Student Loans in Collection. 
Accounts are paid, XXXX balance, and XXXX past due. Accounts are not in Collection Status.

Originator Creditor FEDLOAN Acct # XXXX - Limit/HC {$2600.00} Account Transferred - Open Date XX/XX/XXXX. Loans Closed XX/XX/XXXX. XXXX Balance, XXXX Past due. Report Date XX/XX/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 2021-09-07 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
U S Dept of ED - Acct # XXXX U S Dept of ED - Acct # XXXX Both U S Dept of Ed are reporting the following : Open Date XX/XX/XXXX | Report Date XX/XX/XXXX | Reporting Student Loans in Collection. 
Accounts are paid, XXXX balance, and XXXX past due. Accounts are not in Collection Status.

Originator Creditor FEDLOAN Acct # XXXX - Limit/HC {$2600.00} Account Transferred - Open Date XX/XX/XXXX. Loans Closed XX/XX/XXXX. XXXX Balance, XXXX  Past due. Report Date XX/XX/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 2021-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted my dispute for XXXX XXXX on XX/XX/2021 I Transunion Received my Dispute ( Files attached stating received ) I am well over my 30 days and I have yet to have any results via mail nor email I reached out to transunion directly for an update and on a recorded line representative XXXX Stated I should receive my results by XX/XX/XXXX. Today is XX/XX/XXXX I havent received any dispute results for XXXX XXXX, my Rights have been undermined and neglected.

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 2021-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I applied for a loan and was immediately denied. When I received the letter detailing the reason my application was declined, it stated that I owed too much on my current revolving accounts and generally owed too much debt. 

However, I currently owe less than 10 % of my available balance and my XXXX is less than 20 % prior to accounting for weekly bonuses and overtime. My XXXX is less than 10 % once all income sources are considered. 

I currently subscribe to the credit tracking service offered by the bureau they cited, so I was able to see that the information reflecting on my credit report was accurate. When I reached out to the company to advise them of this I received a generic prompt to reach out to the credit bureau, which I have already done. 

I have yet to receive a reply to my specific inquiry.

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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TN

Complaint narrative:
I was issued a Capital One Quicksilver Visa Card. On XX/XX/XXXX I Charged {$670.00} on my card. I made more than the minimum monthly payments ON TIME over the next 10 months. It was entirely paid up on XX/XX/XXXX. However the following late fees were charged to my account : XX/XX/XXXX {$25.00}. XX/XX/XXXX {$25.00}. XX/XX/XXXX {$39.00}. XX/XX/XXXX {$39.00}. I challenged Capital One Services LLC at XXXX XXXX XXXX, XXXX XXXX XXXX UT on XX/XX/XXXX. They suggested that I call XXXX. I called on XX/XX/XXXX and spoke to an individual named XXXX. I could not understand her language. I asked for her supervisor. I was then connected to XXXX whose only word I understood was " NO ''. My Capital One Case Number is XXXX. My Card Was suspended on XX/XX/XXXX. I am objecting to the {$120.00} Late Fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called and tried to get the unauthorized inquiries removed and they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called and tried to get the unauthorized inquiries removed and they would not.

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