vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 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: NJ

Complaint narrative:
I am the parent/co-signer on my son 's student loan that is serviced by XXXX XXXX/XXXX XXXX XXXX. I send in monthly payments by automatic debit from my business account with XXXX XXXX. I sent check # XXXX for the sum of {$220.00} on XX/XX/XXXX ; and check # XXXX for the sum of {$220.00} on XX/XX/XXXX. XXXX XXXX XXXX lost both checks. I contacted them via email on XX/XX/XXXX and forwarded copies of my bank statements showing the cashed checks. XXXX XXXX XXXX  reported delinquency notices on my credit report causing my score to lower approximately 70 points. On XX/XX/XXXX, I spoke with Supervisor, XXXX ( Employee XXXX ). I informed him that XXXX sent me the cancelled checks cashed by XXXX and asked to settle the account. XXXX informed me that XXXX XXXX has no process to settle accounts. I want to be able to settle the account due to the unfair damage XXXX XXXX XXXX caused me on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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:
I am the parent/co-signer on my son 's student loan that is serviced by XXXX XXXX/XXXX  XXXX XXXX. I send in monthly payments by automatic debit from my business account with XXXX XXXX. I sent check # XXXX for the sum of {$220.00} on XX/XX/XXXX ; and check # XXXX for the sum of {$220.00} on XX/XX/XXXX. XXXX XXXX XXXX lost both checks. I contacted them via email on XX/XX/XXXX and forwarded copies of my bank statements showing the cashed checks. XXXX XXXX XXXX reported delinquency notices on my credit report causing my score to lower approximately 70 points. On XX/XX/XXXX, I spoke with Supervisor, XXXX ( Employee XXXX ). I informed him that XXXX  sent me the cancelled checks cashed by XXXX and asked to settle the account. XXXX informed me that XXXX XXXX  has no process to settle accounts. I want to be able to settle the account due to the unfair damage XXXX XXXX XXXX caused me 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 2020-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIA has damaged my credit with wrong information will not update the right information.. XXXX XXXX  IS PRODUCING WRONG INFORMATION

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 2020-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I was working with a loan consultant at a different firm then where my mortgage is currently, which is Mr. Cooper, we've been asking them for three months to send a verification of mortgage for the last 5 years as I was looking to move from FHA to conventional. They repeatedly would only send a 12 month VOM. When I called to address with them they told me that they would only do the 12 month and to pull my payment history instead. On top of that, during a pandemic where a lot of homeowners are looking for forbearance, I tried to pay off any outstanding fees along with my monthly payment and they marked me late for the months of XX/XX/2020 and XX/XX/2020, now making it impossible for me to refinance when I wasn't even late. Their statements show one date they reported another but funds drawn from my account are dated where it kept me current. They also offered me a streamline refinance with them, started all the paper work sent it all to me to sign when I never asked and I do not understand how they could if they are showing me late, 60-90 in previous year

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/20 I order a treadmill form XXXX, Order Number : XXXX, for {$3700.00}. 

The terms of purchase through XXXX XXXX financing partner, TD Retail Card Services, were " 0 % APR for 12 Months with Equal Payments. '' I proceeded to set up these automatic payments on XX/XX/20, however : Despite ( 1 ) setting up 12 monthly payments on TD 's own payment portal, XXXX : XXXX, and ( 2 ) receiving verification of the payment account ( XXXX   Checking Acct ending in XXXX ), and ( 3 ) that account having more than adequate funds to service the debt, TD 's system failed to draw the amount from the payment account, and instead started allocating NSF charges and rapacious interest. 

I was in fact confused by the entire process since I had also entered my XXXX card information on XXXX during the purchase process, about which an email was written by me to my assistant on XX/XX/20. She was subsequently assured by TD that everything was set up correctly. 

Due to COVID and the related business closures via Executive Order, I have been away from my office in XXXX XXXX XXXX until just a few days ago, when I became aware via mail that accumulated over the past three months, that TD has not been properly processing the payments -- which I not only set up correctly but there own online system validated upon my doing so. 

After calling TD to straighten this out today, TD is now trying to collect nearly {$4000.00} from me despite claiming the principal is {$2800.00}. I offered to cut a check today for the principal, and not a penny more, which was not only rejected by TD 's collection representative, but met with the threat of ruining my credit if I didn't pay the entire amount they are claiming is due. 

I reached the rep, along with my assistant on the line, today at XXXX. She identified herself as XXXX and claimed her employee ID is XXXX. 

I am including screenshots from TD 's payment portal illustrating my enrollment, bank statements indicating a sufficient balance ( thereby invalidating the NSF claim and associated fees ), as well as TD 's  statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: TX

Complaint narrative:
This company PERSOLVE LEGAL GROUP is trying to collect {$16000.00} from me for a bill they claim I owe. They purchased this debt from XXXX XXXX with whom I have already contacted and they removed the item from my credit report. 

PERSOLVE LEGAL GROUP is now trying to collect {$16000.00} for a car that XXXX   XXXX sold at auction 5 years ago.XXXX XXXX  DELETED THIS ITEM FROM MY CREDIT REPORT and now PERSOLVE LEGAL GROUP is trying to collect a debt on a car which I no longer own and for which the account has long been settled between myself and the original creditor I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from PERSOLVE LEGAL GROUP with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay PERSOLVE LEGAL GROUP '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and PERSOLVE LEGAL GROUP. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC not allowing me to link my account with certain services. I should be able to if I want since it's my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/20 I applied for a XXXX co-branded VISA with XXXX XXXX. I was approved, but on XX/XX/20 I received a notice from XXXX XXXX advising me that they did not assign the best interest rate they offer. This notice included information as to why this was the case. 

Included in this notice were key factors adversely affecting my score : 1.  Highest ratio of bank revolving balance to credit limit was too high 2. Too few revolving accounts 3. Insufficient mortgage information 4. Too few accounts currently paid as agreed I reviewed my Transunion report on XX/XX/20 and none of these items appear, with the exception of item # 3, which seems to have dropped off ( my mortgage with XXXX XXXX  is suddenly missing from my TransUnion report, possibly due to a transfer of that loan from XXXX  to XXXX ). 

My credit usage is less than 20 % of available credit lines. 
I have 5 or more revolving credit lines. 
All are current, and have been current for 6 or 7 years, at least. 
No accounts are not " paid as agreed. '' I contacted XXXX XXXX   and was advised to contract TransUnion. I contacted TransUnion, and they provided a copy of my credit report which does not match up with any of the reasons stated by XXXX XXXX  as to why my score was low per their review. 

I need to see the reason why XXXX listed these reasons for my score. Their source, TransUnion, does not seem to provide any basis for this.

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 2020-06-29 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: GA

Complaint narrative:
I have reached out to Bank of America numerous times about the 2 fraud credit card accounts and they have yet XXXX XXXX amount XXXX and XXXX XXXX amount XXXX. I have tried to dispute these accounts and reached out to card company they refuse to remove them from my credit! I need help

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 2020-06-29 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: EQUIFAX, INC.
State: NE

Complaint narrative:
Someone try apply for a credit card in my name on XX/XX/19 and XX/XX/19. I have disputed this with XXXX XXXX which is the card application out in my name. I have been working on this almost a year now and equifax will not remove these 2 hard inquiries off of my credit report I have called every month since then, XXXX XXXX has sent over numerous documentation to Equifax and they refuse to remove this off. I have spoken with a rep from Equifax and they state they never rec 'd anything and requested that I send ss # , dr license, and other personal information not once but numerous times and every time its been a different address to sent to. The rep. with XXXX XXXX has been very helpful she wanted some information and I sent it last week I spoke with them and they rec 'd it and immediately sent it over to Equifax and asked once again to have this 2 hard inquires remove on my credit report. Equifax has been very rude about everything and dont help they state that it will take 30-90 days to have this remove. I stated NO I have done everything you have asked from me plus more and you haven't fulled you part of removing this off. I have spoken with my attorney and he states this is ridiculous again you are going through this and I said YES. I have also gone online and dispute items there too and they closed out my dispute with in days if even researching anything. My credit acccount with all 3 major credit bureaus have a fraud alert on it and still Equifax will not do anything. I have had XXXX  and XXXX  remove this off immediately never had to do with I have to submit to Equifax. All Im asking is if you cant have this remove this fraudulent reporting off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Hi. 

Name is XXXX XXXX. 

I requested closing my US Bank Account because fraud activity : 1. A  transaction with XXXX. 
2. A transaction with XXXX XXXX. 

It shows pending transactions and completed when the third party did not cashed out the money requested by them & me. 

Now they opened the account using those fraud activities so they can charge me for a dispute that was opened a month ago and was rewarded to me ( XXXX - One month charge, one month free, they wanted to charge both months, so not. And I tried to send the information to be done with that dispute but nobody answer in the direct line & called the 800 fraud department and was told account was close, so I did not send the information. 



Name is XXXX XXXX. 

As I said they opened the account and had me negative balance out of evil, because I was calling and calling and dispute with them and requested account closed. 

I called again as of today XX/XX/2020 and they asked for the information again but no guarantee that the account will be positive. 

Then they should had not close my account with the dispute or opened it again with the same fraud activity that made me close it in first place. 

I think it cancels it out. 

I do not had time to deal with them. Need your help. Thanks. 

In fact they lied as you can see in final letter, they send, there was not credit and deposit of {$36.00} Dollars. What it was - {$36.00} Dollars. 

Thanks. 

I need them to reverse that negative balance. And close my account with a positive. And no reporting to any credit bureau. 

In fact they owned me for {$44.00} from XXXX XXXX 

The {$20.00} from XXXX they returned but that was after closed account when it should had not appeared at all as completed because XXXX XXXX XXXX from XXXX, she never cash it out. 

And yes XXXX XXXX order and the confirmation tell me bank authorized, confirmed it, was pending, so it appear like they got it, but it, pending but never received the money because US Bank. 

Thanks.

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 2020-06-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I applied online yesterday ( XXXX XXXX ) to get preapproval for a mortgage or loan to buy a foreclosure. I can not remember exactly which website this one was connected with, but I received an email this morning stating that they could help me, and to call their number. I called, and they actually agreed to increase the loan amount to be able to cover the whole price of the house I wanted to buy. We were disconnected because of issues on their end, so I emailed them back. After a few minutes, " XXXX '' called back and asked for my bank login information so that they could " link with their system to deposit the funds ''. I hung up on them, and Ive called the company they were reporting to be from. OneMain didnt even have my application on file. The email the messages were sent from is  XXX  XXXX and the telephone number used to get into contact with them is XXXX XXXX XXXX XXXX XXXX. 
My email is XXXX and my cell phone is ( XXXX ) XXXX. My name is XXXX XXXX, if you have need to contact me, I will save the emails for 2 weeks, if you need/ want them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
XX/XX/2020 I booked a hotel stay in XXXX XXXX XXXX, XXXX at the XXXX XXXX, a XXXX XXXX hotel. The dates of the stay were to be XX/XX/XXXX XXXX XX/XX/XXXX. The cost of the room totaled {$2200.00} for those days. 

XX/XX/2020 Chase credit card booked my card for the total amount of {$2200.00} from XXXX. 

XX/XX/2020 I received a voucher from XXXX for the hotel stay. I checked my XXXX XXXX app and the stay was booked under my name. 

XX/XX/2020 I came to the knowledge, through my XXXX XXXX account, that my hotel stay had been canceled. This cancellation was not initiated by me. 

XX/XX/2020 I send a dispute to Chase Credit Card for the charge from XXXX for the {$2200.00}. Chase responded on XX/XX/2020. 

XX/XX/2020 - Chase stated that the charges were valid because the services you purchased were received or available to use. This is not the case since the booking has been canceled and the date is not yet the day of the hotel stay. 

XX/XX/2020 I reached out to XXXX who is the vendor whom XXXX uses for processing the payments. I requested a full refund for the stay that I booked through XXXX. Again, the full return cancellation policy is up until the XXXX of XXXX, 2020. 

XX/XX/2020 XXXX sends me an email stating, Unfortunately, XXXX can not refund you because of the strong hit XXXX suffered from the Corona Crisis. 

Early XXXX, 2020 I disputed the charge again with Chase Credit Card. I provided emails, cancellation policys from cancelon, records of refund requests, etc. 

XX/XX/2020 Chase responds as the charges being valid. Chase Dispute Department responded stating, The merchant isnt required to credit your account because the charge took place too long ago. 

During these past 4 months I have been on hold with Chases dispute department for hours. I have still not received information from any supervisor or manager there. I have reached out to numerous sources ( XXXX, XXXX, XXXX, XXXX, Chase, State services, and now National ) trying to resolve this issue. I have not received the services that I have paid for, nor do I have the ability to receive them because of the cancellation that XXXX  placed on the hotel stay. I have been scammed and frauded by multiple sources. First from XXXX and second from Chase Credit Card. Chase has multiple policies in place that act against this fraud and I have not received any of them. Even if I did have the reservation, an American citizen cant get into XXXX because the borders being shut down for leisure in response to COVID. Chase sapphire reserve credit card has a policy against this as well and Chase has yet to refund my travel with the travel protection plan that is on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to 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 2020-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
This company XXXX XXXX XXXX is trying to collect {$16000.00} from me for a bill they claim I owe. They purchased this debt from XXXX XXXX with whom I have already contacted and they removed the item from my credit report. 

XXXX XXXX XXXX is now trying to collect {$16000.00} for a car that BRIDGECREST FINANCIAL sold at auction 5 years ago.BRIDGECREST FINANCIAL DELETED THIS ITEM FROM MY CREDIT REPORT and now XXXX XXXX XXXX is trying to collect a debt on a car which I no longer own and for which the account has long been settled between myself and the original creditor I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX  with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX  '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation