vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, I received notification that my credit report had 5 late payments reported from the Department of ED/XXXX . This was the first time I was aware of payment being required as the Department of ED/XXXX never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all 5 student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. 

I submitted hardship letters to the Department of ED/XXXX requesting they grant me a Goodwill Request as the 5 late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. The Department of ED/XXXX has still not granted me a goodwill request even thought the account has been paid. I have also submitted in total 4 disputes to their company. The first two disputes I did receive notification via mail that the request had been denied. I have also submitted two additional request and they have not informed me of the results or action tokened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I received notification that my credit report had 5 late payments reported from the Department of ED/XXXX . This was the first time I was aware of payment being required as the Department of ED/XXXX  never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all 5 student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. 

I submitted hardship letters to the Department of ED/XXXX requesting they grant me a Goodwill Request as the 5 late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. The Department of ED/XXXX has still not granted me a goodwill request even thought the account has been paid. I have also submitted in total 4 disputes to their company. The first two disputes I did receive notification via mail that the request had been denied. I have also submitted two additional request and they have not informed me of the results or action tokened.

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 2021-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I placed two orders for XXXX XXXX gift cards and never received them. The first order was for two {$200.00} gift cards And the second order was for one {$200.00} gift card. These gift cards were supposed to be delivered via email within 48 hours and never arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
The company received my information from another party and is now attempting to collect an alleged debt. I did not give written consent to communicate with me at all nor did I give written consent to furnish anything on my report. No consent is identity theft. I am very upset at the way these companies do business and it is harming my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I can't sign in my online banking since XXXX this year just because I tried to send XXXX dollars tomy friends. When I call the bank of America customer service. They said they can't solve that and I need to come to the bank counter. When I came into the bank. The manager said they can't unlock my account I need to call the customerf service and transfer to security department. When I contacted the security department. They said they also can't solve that. I need to come to bank!!! 
All these staff didn't help me and let me to find others? What should I do. I just want use my online banking. 

Bank of America tooooooooo bad

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 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Debt has been secured and paid by 1099 C filling attached I have filled the 1099 A and became owner of this debt. 

This account is revolving and sent to the United States treasury XXXX XXXX estate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I miss paying XX/XX/XXXX payment but paid it today, said fee was waived but would come off balance, but would pay double payment in XXXX of {$60.00}. Paid . XXXX XX/XX/XXXX the normal payment is XXXX $ but it went to XXXX $ which includes XXXX,, I paid XXXX XX/XX/XXXX and ask for waver of late fee but is taken off balance but my XXXX bill will be XXXX $ which is still XXXX $ but yet the late fee is surprised to be removed. Im still paying a double payment in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2021, I purchased airfare on XXXX for a trip on XXXX XXXX with my Capital One Quiksilver card. Due to a billing error where my card was charged twice for the same ticket under my name ( XXXX XXXX ) I called XXXX to cancel on XX/XX/XXXX and received an email confirming cancellation later that same day. 

When I looked on my Card Transactions history later in the week, I noticed both charges still posted to my account. I called Capital One to dispute these charges and around XX/XX/2021 my account was credited. 

On XX/XX/XXXX one charge of. {$290.00} as a purchase adjustment reappeared on my bill. When I called to inquire as to why, I was informed that the previous representative I spoke to documented my dispute incorrectly and that the credit to my account would be reapplied which it later was. 

On or around XX/XX/XXXX, my card was again charged a Purchase Adjustment of XXXX from XXXX XXXX, despite my having faxed in the requested documentation proving my refund was valid, the month prior. The representative I spoke to on the XXXX informed me that they hadn't received my documentation and that XXXX sent in paperwork so that the charge would be reapplied to my account for yet a THIRD time in 2 months! 

I find this to be unacceptable as I have now spent over 2 months haggling with Capital One over a refund that I was assured I would receive from XXXX ( through XXXX ) and Capital One!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
iI have a mortage with Bank of America for 30 years fixed. I made extra payment to payoff the mortage but the money is held in an escro account. I made several attempts to resolve the problem but noone pays attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Recovery Services, Inc.
State: TN

Complaint narrative:
I and several members of my family have been continually harassed by FRS and XXXX in particular. They have called my parents and left messages multiple times. As well as refusing to stop contacting them when I requested they stop contacting others regarding my information. They have been calling ( according to my call logs on my cellphone ) for over a month, numerous times. When requesting the company not call my parents, I was told to go ahead and call the police department on 3 way then they hung up on me. They have been calling from several numbers. When I request to speak after my work hours, they won't be there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I paid off my auto loan on XX/XX/2021 as required. The payment I submitted was before the 30 day mark because I was told I needed to pay it in full. However, on XXXX XXXX, I received an alert from TransUnion that XXXX XXXX noted the account as 30 days overdue which caused my credit score to plummet 24 points. I reached out to XXXX XXXX and TransUnion but no one wants to rectify the error. I was not late but XXXX XXXX marked me as late. The investigation by TransUnion said that they updated the account and the account was accurate but this is not true because my pay status currently shows the account was paid, closed and was 30 days past due. TransUnion states the Original Charge Off was updated although there should have never been a charge off. Per TransUnion 's product, this error has caused my score to drop. TransUnion is not acknowledging their own credit reporting products and if they are useful tools to the consumer, TransUnion should be able to assist the consumer. This has affected my ability to secure a better rate as I start the homebuying process.

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 2021-10-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Date Opened : XX/XX/2021 Balance Owed : {$6.00} SYNCB/XXXX XXXX Date Opened : XX/XX/2021 Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: NY

Complaint narrative:
I've sent multiple dispute letters ALL YEAR to the consumer reporting agencies in regards to violating my rights as a consumer. No changes have been made. The consumer reporting agencies are unable to provide validation and/or verification for reporting these accounts. The accounts attached show multiple violations and inaccuracies.

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 2021-10-26 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: MD

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

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 2021-10-26 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: IA

Complaint narrative:
On yesterday there was 25 points removed from my credit score no apparent reason why no explanation on the reason why

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 2021-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I called Penfed over 10 times about not being able to login. I was told it is out there hands and cant help me.

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 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: CA

Complaint narrative:
The servicing of my mortgage was recently moved from XXXX to ServiceMac. Just before the transfer, in XXXX, XXXX was working on removing the PMI from my loan, because I had reached over 20 % equity. The current balance of my loan is {$350000.00} and based on my amortization schedule that puts me at 77.8718 % resulting LTV %. On XX/XX/2021, I sent an email to ServiceMac 's mortgage insurance email address stating the same. They responded on XX/XX/2021 saying that they had received my completed PMI removal request, going through the notes the prior servicer did not complete the processing of your request, but they have opened a task to have a PMI Waiver specialist process the request. On XX/XX/2021 I responded with a thanks, and asked to be contacted one it had been completed, reminding them that I had yet to make my XXXX payment. On XX/XX/2021 I logged into the portal to check to see if this had been done but noticed my monthly payment due was still reflecting the PMI amount. I called customer service and spoke to XXXX who looked into my account and said that the processing of the PMI removal had been CLOSED due to not finding the paperwork!!! I told her about the XX/XX/XXXX email and she had no record of it. I asked her to contact the mortgage insurance department and she said someone would get in touch with me within 24 hours. It is now 24 hours and I logged onto the portal and my monthly payment due was still reflecting the PMI amount. I have responded to the email chain again, but I believe this is my last recourse to try and get this resolved. ServiceMac has terrible recordkeeping and communication with customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Today I received a first time notification that my citibank credit card was closed. I've had this account for 33 yrs 7 months and I am not in default with them or any other creditor. I called Citi and they indicated the account was closed for inactivity. I received zero previous notifications from them indicating my account was under review for potential closure. This my oldest credit account and the basis of my credit length. Without this card my credit history shortens by 13 years. I called to complain and the representative indicated they sent me a letter via USPS on XX/XX/XXXX but then closed my account XX/XX/XXXX and then sent me an email on XX/XX/XXXX stating the account is closed. Zero opportunity for me to take any advance action to prevent losing my oldest credit card. The lady and her supervisor both indicated they " could try '' to reinstate my account but to do so would require a hard pull of my credit file. I asked why since I was a customer in good standing on XX/XX/XXXX a hard credit pull was required. They said it's the process. I complained that a hard pull stays on my credit record for 2 years which would cause a lowering of my credit score. I also indicated that since they closed my oldest account without my knowledge that would hit my credit score lowering it even further. I currently have an XXXX score and have been proud to have a score over XXXX for years. Thats about to change dramatically. Both representatives indicated that there was nothing they could do. I asked for the supervisors supervisor to call and she said it would be up to two days for the return call. So the damage is done. Citi will report the card closed. I could take a chance they " might '' reopen the account with a hard credit pull and both actions will lower my score for months if not years to come. I believe citi acted in bad faith by not advising me about their review until after the fact and feel some action needs to be taken against citi to fix my issue and prevent this from happening to anyone else.

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