vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Had a substantial minimum payment due on credit card. Went and made the payment, unaware that even though I'd made the payment they would still try to debit the automatic minimum payment due regardless of whether it had been paid yet or not. Because that amount was more than what was in my checking account ( again I'd already paid that amount ), that bounced and I got charged {$29.00} by the credit card company for the bounce and {$34.00} by the bank ( same company as credit card - Citi ). I called and talked to them so I understood and I could deal with that. However when on that call the CSR did NOT tell me that the minimum payment would try to be put through again automatically. It did and I got dinged another {$29.00} and XXXX $ ( now up to {$120.00} ). I called to complain about that, could not get through, went on chat and compained there, no one responded, but I did see a {$34.00} credit on my bank account Then again today I get another message that said the minimum amount ( it's over {$2000.00} ) was tried to be put through AGAIN. And voila another {$34.00} charge on my bank account. I don't know when this will stop. Tried again to get through via chat ( which is what they are recommending ) and it won't connect. The idea that a minimum automatic minimum payment will be put through EVEN IF THE MINIMUM PAYMENT HAS ALREADY BEEN PAID is suspect and it occurs to me is designed to generate more fees for the company unnecessarily and at consumers ' expense. I could turn off the automatic payment and then that could generate late fees for them. I have other cards that don't do it this way - they only take the automatic minimum payment if there is any amount left due on the minimum payment, otherwise they don't take anything.

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 2020-05-17 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: CA

Complaint narrative:
I am in process of buying a home and in the middle of buying a home this XXXX XXXX loan appears and i have paid this already. They garnished my wages in 2018 and it has since been paid and XXXX balance in full. I have the letters stating it is done and completed. I would like this to be off my report stating it is still open and showing balance as well as reporting all the bad missing payment history. I have a letter from US dept of Education on XXXX 15,2018 that stated notice of cancellation of order for withholding of wages. I also have a letter on XXXX XXXX, 2018 account number XXXX stating my debt is settled in full. Please remove off all credit bureaus

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 2020-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was told XXXX ( XXXX ) that my account ending in XXXX is scheduled to be closed on XX/XX/XXXX. I did not know this until trying to make a purchase. I have had this card for several years and I have other accounts with capital one. I have called recently prior to this and was never told it would be closed if I had not used it. Please do not close my card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, someone allegedly opened up an XXXX XXXX XXXX account in my name. The initial use of the card was {$54.00} at first, below is the current for the transaction information on my credit report. I contacted the XXXX XXXX and they stated, as I know to be true, my account with them was paid off and closed by them in XXXX. It is pure nonsense for them to close my account and then allow me to reopen another XXXX less than 6 months later. I spoke with a representative on the phone and she stated that I must go through the Credit Bureau reporting company individually. My Credit score because of the allowed fraudulence has now dropped by over 20+ points since first reported. I ask your Company take the appropriate steps to close the fraudulent account and repair the damage done to my credit score. Thank you for your assistance in this manner. 

Respectfully, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$1500.00} / {$11000.00} You're currently using 14 % of your account 's limit. 

Balance {$1500.00} Credit limit {$11000.00} Minimum monthly payment {$39.00} Opened XX/XX/XXXX ( 3 mos ) Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status Open Type Flexible Spending Credit Card Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0Reported XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: DISCOVER BANK
State: MA

Complaint narrative:
I am writing for I have previously disclosed that I have been a victim of identity theft. This has lead to transactions being made using my information, including debit card, address and other information without my authorization. 
I provided to discover that I am a person with a XXXX and I have the experience of this being use against me from the part a third party who has being able to use my information maliciously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I'm unaware of balance due to this company, I never had any relationship with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
2 MONTHS NO RESPONSE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: John C. Heath, Attorney at Law, PLLC
State: NJ

Complaint narrative:
I was mailed an invitational Credit Card Promotion. The card was purposed to build my credit profile. I immediately paid a {$75.00} activation fee. The credit limit was {$300.00}. The annual fee is XXXX dollars. I was told that after approval of a credit line increase my account would be billed 25 % of the limit increases. So with all that in mind I called XXXX XXXX Bank and set up auto pay from my debit card from XXXX XXXXXXXX XXXX. 

I then told them that I was going to a hospital for at least a month. 

Upon coming home from the hospital I discovered a late payment fee on my bill. 

I called in to clarify the issue. 

I was not told accurate information. 

I contacted an Attorney to file letters to the credit reporting agency. And sent many letters to the bank. 



I called in and discussed this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I had disputed some unknown/ unverified accounts that was deleted around the month of XXXX that just was reinserted on today. I was not notified of LVNV FUNDING LLC reinsertion and this is a violation. This account is not mines and it have been reinserted on my credit file and I would like for it to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: F.H. Cann & Associates, Inc.
State: VA

Complaint narrative:
I have called repeatedly the collection agency that my account is with and I havent received a response from them for the last 2 months! Dep of education is garnishing my paycheck during the month of XXXX, XXXX and as of today. Under the cares act this was not supposed to take place. As a result of this I am 3 months behind in rent and have not been able to live. Effective XX/XX/XXXX, dept of education is not supposed to be garnishing checks but they are still illegally ignoring the cares act and taking my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX. At the time I filed all my mortgage payments were current. I DID NOT include my mortgage in the bankruptcy and continued to pay it directly to Caliber, outside of the bankruptcy. In XXXX of XXXX, I received an escrow analysis and refund, stating my payment would be modified downward due to a change from the previous year ( XXXX ) in my homeowners insurance and premium that went down significantly. My bankruptcy attorney instructed me to continue to pay my old payment, even though it had been lowered per my statement from Caliber Home Loans, until he had a chance to confirm because he stated that they had also just filed a claim against my bankruptcy for an escrow shortage ( they claimed my escrow account was short by {$3200.00} )??? According to the escrow analysis and refund they had sent the month prior, there was no such shortage? I continued to pay the original mortgage amount until XXXX when my attorney instructed me that the amount was somehow correct and would be paid through the bankruptcy trustee payment I was making, so I could begin to pay the amount shown on the monthly statements I was receiving from Caliber. I was upset by the fact that they could do this and I had seen no proof of a supposed escrow deficit. By this time, I had paid an additional $ XXXX a month for 5 months, and so they said I had no payment due as I was overpaid at that point!?! The amount began to change every month on the statements I received from them from that point on. I continued to pay more than what the payment amount was, if I could, each month. Fast forward to the XX/XX/XXXX statement they sent me and it shows them reversing 4 months of payments I made from XX/XX/XXXX through XX/XX/XXXX and saying that I now owe {$11000.00}???? And they have yet to show me in writing, or my attorney as far as I know, how they arrived at the escrow deficit they say I owed last year AFTER they had sent me a refund??? I feel that something is not right and they are trying to force me into losing my home somehow and they are collecting more money through the bankruptcy payments than what I actually owe. I worked with them for months trying to get a loan modification in XXXX and they denied it. They have never given me straight answers and each person i talk to gives me differing information! I want my entire mortgage audited and to know how they can file these things with no proof that it was owing or that I was in an escrow deficit in any way!!!!! Criminal and unethical at the very least!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is not my debt owed to Macy

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 2020-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I initiated a transfer through western union to a relative bank account in XXXX and western union placed the money on hold and wanted an Id for my relative my relative submitted the id a couple of days back western union refuses to release the money even after that I told them to just refund it and they keep saying give the is and refuse to refund the money the tracking number is XXXX  XXXX Picture was emailed to my Id for the western union site

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: DC

Complaint narrative:
Dear Consumer Finance Protection Bureau Representative, Good  morning! 

In the past 150 days since XX/XX/2020 ; the Experian Credit Reporting Company has lowered my credit score some fifty ( 50 ) basis points ; as of XX/XX/2020. 

In that time time I have not opened any new accounts or currently have any accounts open. In fact, I have no credit card debts, loans, mortgage debts, bankruptcy, collection company obligations, mortgage foreclosure, or judgments in my credit history. My debt to income ratio is XXXX ( XXXX ). 

In addition to the aforementioned facts there have only 5 credit report inquiries made during that time, none of which resulted in opening any new accounts. So why the fifty basis point reduction from Experian? 

I believe it is all part of their seamless and direct retaliation to my refusal and rejection of their bank card solicitation offers made through their merchant banks that are advertising through them for marketing to high interest bank card offers they routinely send me. 

I appreciate your help, time, and courteous reply.

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 2020-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MAJR Financial Corp
State: CA

Complaint narrative:
I dont owe this compnay anything and they show a negative on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
This bank has been calling 5-7 times each day, including Sat. and Sunday, for several weeks now. I have never answered these calls. These calls are nerve racking because they are constant. I have contacted a company who is handling my credit card accounts, and will try to negotiate a settlement with the creditors, however they won't contact them until the accounts are 4-6 months past due. 2 days ago I received a letter from them, which I have to sign for, but I was not home and don't have it yet. These calls are from one creditor which is Synchrony Bank, XXXX. XXXX XXXX, XXXX FL XXXX Ph # 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 2020-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
As of XX/XX/2020 a medical debt of {$870.00} appeared on my credit report. I had no idea what this was pertaining to so I contacted the agency. I was advised the incorrect address was on file and since I did not receive bill notification the reporting would be removed and a payment plan could be set up. The account is still being reported causing a tremendous decrease in my score. Im willing to settle or pay in full with arrangements with a promise of credit report deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A XXXX DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 XXXX  DAY DEMAND XX/XX/2020

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 2020-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit and saw an account for XXXX XXXX XXXX  for XXXX XXXX. So, I contacted XXXX XXXX  and paid them in full. I filed a complaint with XXXX  and awaiting account deletion of the trade line. The confirmation number for the paid debt is XXXX and the original XXXX XXXX  account number was 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 2020-05-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I would like dispute incorrect statements on 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 2020-05-17 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: CA

Complaint narrative:
On XX/XX/2020, I mailed a letter to TransUnion regarding the accounts listed below XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX  XXXX Unverified Account On XX/XX/2020, I mailed a letter to TransUnion removing the incorrect personal information on my credit report. This information included old addresses, phone numbers and place of employment. I have not received a response regarding this request to this date and the information still remains. 

On XX/XX/2020 I received a response from TransUnion removing 2 of the accounts above ( XXXX and XXXX XXXX XXXX XXXX ). The other accounts listed on the letter from TransUnion indicated the accounts were accurate and verified. 

I responded to TransUnion on XX/XX/2020, on the accounts they listed as verified and accurate. In my correspondence, I asked TransUnion to provide me copies of original documentation depicting my signature. Furthermore, in my mailed letter, I asked TransUnion to verify the account listed below. 
XXXX  XXXX Unverified Account XXXX  XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account As of XX/XX/2020, I have not received any correspondence from TransUnion by mail. I am aware that we are in an pandemic and extra days have been given to the bureaus additional time to respond. However, they have exceeded 45 days and more.

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