vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-23 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
This is corresponding to the Case XXXX with Franklin American Mortgage Company. As Franklin American Mortgage Company representative explained, The payment was submitted but just in 2 half payment every two weeks, since when I signed for the mortgage, and was advised to make 2 payments, half of every two weeks to reduce the interest and that is exact what I do as I was told to do. The I received the phone called from Franklin American Mortgage Company reps, the payment was made in full. I believed my credit and my wife credit should be corrected. Perhalp, this is not a late payment, but your computer was turned down my payment and called it a late instead. 

I believed Franklin American Mortgage Company was using a credit reporting power to demolish a good credit individual such as me and my wife. 

Consumer Financial Protection Bureau, please jump in and help since this is an abusing power to trash our good credit. PLEASE HELP IN GETTING MY OUR GOOD CREDIT BACK. and please if this is a single individual abusing the company 's power, this individual not need to be working anymore, since this is a loving country. 

Sincerely, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent in letters to Experian disputing inaccurate items on my credit report and so far I have been getting ignored by the company.

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 2020-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I called into three credit cards on XX/XX/XXXX and asked what they were doing for the Covid 19 crisis. They proceeded to tell me that the account would not be delinquent for 3 months starting in XX/XX/2020. I received a creditor phone call saying I was 30 days late or more but not 60 days. As soon as I found this out, I paid the balance and then paid the entire card balance off. The representative mislead me with their information or put in the wrong program dealing with Covid 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
I visited XXXX XXXX XXXX XXXX in XXXX, Tx on XX/XX/2015 and was charged {$770.00} for my visit. 
My insurance at the time, XXXX, paid {$210.00} with a balance of {$550.00}. 
XXXX paid the remaining balance of {$550.00} around XX/XX/2015. 
XXXX XXXX XXXX XXXX turned an unpaid bill of {$550.00} to collections when the bill was actually paid in full. 
I have been disputing that I do not owe any money to XXXX XXXX XXXX XXXX and do not understand why this was turned over to a collections company name : XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX or ( XXXX ) XXXX. 
I have called the collection company numerous times and they do not ever answer the phone. 
I have also submitted multiple disputes with XXXX and the collections company says it is mine bill. I've explained it is my bill but it was Paid In Full and should not have been submitted. 
I have screenshots from XXXX website EOB showing they made two payments to your company and paid the bill in full as stated above.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I paid off my card on XX/XX/20 before the end of the card cycle. 
Statement information states that if the whole balance is pay in full no interest will be charge. 

My new statement of XX/XX/20 shows an interest charge of {$26.00}. 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 monetary relief
Consumer complaint received 2020-05-23 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: TX

Complaint narrative:
Transunion has ignored my request to investigate my dispute items. I sent in two letters and have been patiently waiting for a response and have not received anything yet. It has been well over 30 days at this point.

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 2020-05-23 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 sent out letters requesting an investigation and validation of debts on my report last month.

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 2020-05-23 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 sent out letters requesting an investigation and validation of debts on my report last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: AL

Complaint narrative:
Thank you for allowing the complaint to be investigated according to FCRA guidelines. While reviewing the credit report from all major bureaus ; XXXX XXXX continues to compromised credit scores along with creditworthiness. Correspondence sent from XXXX regarding possible collection activity with a series of aggressive options if the response wasn't returned. 
Made contact and was fully granted Federal Loan Rehabilitation Program. This allowed an amount of XXXX  dollars monthly according to income ( please review the attached documents ). Per the company, signed and sent documents as requested. Began payments and remained in compliance pre-COVID-19. 
According to all major bureaus, XXXX XXXX continues to reports delinquent payment history on profile. According to FCRA guidelines, improper use of furnishing incorrect data is illegal to the consumer. While the Credit Reporting Agencies gather this information ; XXXX illegal reporting will permit the possibility of a series of lines of credit and decline in credit score which deplete creditworthiness.

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 2020-05-23 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Thank you for allowing the complaint to be investigated according to FCRA guidelines. While reviewing the credit report from all major bureaus ; XXXX XXXX continues to compromised credit scores along with creditworthiness. Correspondence sent from XXXX regarding possible collection activity with a series of aggressive options if the response wasn't returned. 
Made contact and was fully granted Federal Loan Rehabilitation Program. This allowed an amount of XXXX  dollars monthly according to income ( please review the attached documents ). Per the company, signed and sent documents as requested. Began payments and remained in compliance pre-COVID-19. 
According to all major bureaus, XXXX XXXX continues to reports delinquent payment history on profile. According to FCRA guidelines, improper use of furnishing incorrect data is illegal to the consumer. While the Credit Reporting Agencies gather this information ; XXXX illegal reporting will permit the possibility of a series of lines of credit and decline in credit score which deplete creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: AL

Complaint narrative:
Thank you for allowing the complaint to be investigated according to FCRA guidelines. While reviewing the credit report from all major bureaus ; XXXX XXXX continues to compromised credit scores along with creditworthiness. Correspondence sent from XXXX regarding possible collection activity with a series of aggressive options if the response wasn't returned. 
Made contact and was fully granted Federal Loan Rehabilitation Program. This allowed an amount of XXXX  dollars monthly according to income ( please review the attached documents ). Per the company, signed and sent documents as requested. Began payments and remained in compliance pre-COVID-19. 
According to all major bureaus, XXXX XXXX continues to reports delinquent payment history on profile. According to FCRA guidelines, improper use of furnishing incorrect data is illegal to the consumer. While the Credit Reporting Agencies gather this information ; XXXX illegal reporting will permit the possibility of a series of lines of credit and decline in credit score which deplete creditworthiness.

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 2020-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
XX/XX/XXXX : I called ERC to pay a supposed debt of {$220.00} with XXXX XXXX XXXX, XXXX. An amount of {$230.00} is shown as paid and cleared on my credit card statement as of XX/XX/XXXX. 

Fast forward 2+ years : I receive a collection letter out of the blue dated XX/XX/XXXX for the exact same debt I paid in XXXX. I find this very suspicious. I called an ERC representative, XXXX XXXX, at XXXX PST on XX/XX/XXXX and she confirmed that the amount was indeed paid, but then told me that particular office is closed and that I should call back and speak with someone on Tuesday. I find it very strange that the office would be open ( until XXXX EST on Saturdays, according to the letter ) but still can't resolve an issue for which they are clearly in the wrong. Regardless, I am filing a report for receiving a threatening debt collection letter for something I do not owe. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: Eagle Accounts Group, Inc.
State: NY

Complaint narrative:
THESE ARE THE ACCOUNTS THAT ARE FRAUD 1. CHILD SUPPORT ENFORCEMENT  XX/XX/XXXX {$44000.00} 2. XXXX XXXX XXXX {$270.00} AND A FRAUDELENT INQUIRY 1. XXXX XXXX XXXX XXXX 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 2020-05-23 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: NJ

Complaint narrative:
Have been disputing some accounts since XX/XX/2020. These items are inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile. Experian has failed to remove the items or respond to my last dispute.

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 2020-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/2020, I sent {$60.00} via PayPal to secure a space in a craft show. Later I found out that it was a scam ; the show does not exist. PayPal says they can do nothing because I authorized the withdrawal. The person I sent the money to, XXXX XXXX, XXXX, misrepresented herself with a fake XXXX account, and advertised her fake event in an online crafters forum. I have contacted her, and she said shed refund the money, but she has not. Can anything be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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 sent out letters requesting an investigation and validation of debts on my report last month.

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 2020-05-23 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: FL

Complaint narrative:
Capital One set my monthly credit card due date on the first of the month. I made my credit card payments on XX/XX/2020 and XX/XX/2020. That is ONE single day late for each month. And, I paid more than the minimum each time. For both months, Capital One charged me 25 % interest for the balance carried over each month AND {$38.00} for each month. 

I called Capital One on XX/XX/2020 to request leniency for the late fees due to the uncertainty of my pay during the COVID crisis. I asked to have the fees removed for XXXX and XXXX. The senior account specialist named XXXX told me in no uncertain terms that all fees and interest would stand because Capital One has procedures in place where " late is late even if it's by a minute. '' She said her decision was final. 

I am sure this supervisor is enforcing policy per Capital One 's corporate culture and standard operating procedures. Whereas other companies have shown understanding during the pandemic period, Capital One is operating with rampant corporate greed. They are like price gougers during a natural disaster/state of emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
THESE ARE THE ACCOUNTS THAT ARE FRAUD 1.  CHILD SUPPORT ENFORCEMENT XX/XX/XXXX {$44000.00} 2. SEQUIUM ASSET SOLUTIONS {$270.00} AND A FRAUDELENT INQUIRY 1. XXXX XXXX XXXX   XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: OH

Complaint narrative:
I have mailed several letters to the bureaus in efforts to correct some misleading information on my credit report. The bureaus have not responded to the requests.

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 2020-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My insurance cost has now gone up do to US Bank filing an insurance claim against my insurance on XX/XX/XXXX. The bank gave a fictitious date of damage as XX/XX/XXXX in XXXX, AZ to the insurance company. That never happened and since I own the vehicle and have the vehicle in my possession, this is a fraudulent claim. The insurance company said that lean holders have the right to do this and if the insured does not fight it, the insurance has to pay it. Again, this is a fraudulent claim.

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 2020-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Good Evening, On Tuesday, XX/XX/XXXX a series of transactions were requested from XXXX via PayPal While these transactions were getting a cancelled status, they were also being posted. I instantly reached out to PayPal, as well as XXXX, to inform them of this situation. PayPal only has a customer service option via text messages ; it took almost an hour for someone to reply. She recognized a possible scam, but advised that I should reach out to my bank, as theres nothing she can do about it. 

While PayPal confirmed that the payments were processed to XXXX, he continues to argue that no money was received by him. 

With PayPal refusing to take any action on my behalf, I have yet to see these payments returned, as both XXXX and myself agree that this is the right course of action. The second page to last in the attached supporting documents show 's XXXX 's intent to return the funds ( his messages in blue, mine in yellow ). 

I am reaching out to you because nobody is enforcing this return of funds. XXXX can continue to argue that he didnt receive anything, all while PayPal confirms that he did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-23 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: OH

Complaint narrative:
I have mailed several letters to the bureaus in efforts to correct some misleading information on my credit report. The bureaus have not responded to the requests.

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 2020-05-23 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: OH

Complaint narrative:
I have mailed several letters to the bureaus in efforts to correct some misleading information on my credit report. The bureaus have not responded to the requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: MD

Complaint narrative:
I mailed several letters and made multiply attempts to contact the bureaus by phone to get the bureaus to investigate and respond using the guidelines prescribed by FCRA.

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 2020-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SAMC Honebee TRS, LLC
State: GA

Complaint narrative:
XXXX XX/XX/2020 I made an additional principal payment. The mortgage company does not apply it to principal even though I requested an additional principal payment. This is the second time this has happened. 
My bimonthly payments dont not get applied as they are paid and the company refuses to remove PMI even though 80 % of my principal is paid off and the agreement with the original mortgager ( before it was sold to these scammers ) was that it would be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/20 a request for validation, not verification was sent. On XX/XX/20 I received a letter telling me they received my validation letter but failed to give me information I requested to validate the debt. There letter to me stated I owe XXXX. Lastly, this debt was sold by the original creditor to a collection agency.

Company response to consumer: Closed with explanation