vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 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: HW Holding, Inc
State: CO

Complaint narrative:
Hello, So I have a collection agency Hunter Warfield and XXXX   refusing to remove a collection on my record that is not mine. All other reporting agencies have removed this fraudulent collection. XXXX   is still illegally trying to collect from me. I live in a state with another with a similar name, XXXX XXXX. I looked further into this and the account looks to be owed in full by a XXXX XXXX. I did not live in this home. I have never received any type of notice that a collection was being placed or needed to be paid. I found out about this by looking at XXXX XXXX. I have tried to resolve this with both XXXX  and Hunter Warfield. But they refuse to listen or look further into it. This collection is not mine and is the reason I am currently homeless and unable to purchase or rent a home. I can provide a lease to show I was not living in this home at this time.

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 2020-03-13 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: AZ

Complaint narrative:
I am having trouble with Experian getting chapter XXXX bankruptcy information off my credit report even though it has been over 10 years since it was discharged. In my bankruptcy, I reaffirmed my mortgage with XXXX XXXX   XXXX and it was never discharged through bankruptcy. There is no bankruptcy in my public records portion of my credit reports but in the mortgage section it shows this information and I was recently denied credit because of it. Also, I am still paying on this loan and Experian, XXXX, and XXXX are not reporting all the on time payments I have made on this loan for years now. They all three show that I have no mortgage which is not true. I disputed this bankruptcy information being on my credit report for over ten years with Experian and it is still on my report. I need all three credit agency 's to show my years of on time mortgage payments and that I do have a mortgage and it was not discharged through bankruptcy. Can you please 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 non-monetary relief
Consumer complaint received 2020-03-13 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: GA

Complaint narrative:
For EQUIFAX to be oldest CREDIT reporting agency ... .they seem to be the WORST and are constantly breaking the FCRA laws and not adhering to what the laws state! I am a victim of IDENTITY THEFT and XXXX XXXX acct # XXXX ... .has been proven to be a FRAUDULENT account yet EQUIFAX continues to report it but the other 2 bureaus are NOT reporting it because it is FRAUD. I am attaching the FTC fraud affidavit that has been submitted in 2019 ... ... the second account listed on the report is XXXX XXXX!!!!! EQUIFAX has failed to report any of the proper accounts that do belong to me ... ..but has continued to report this BS fraudulent account that has kept my credit score in the DUMPS ... ..my other 2 scores are around XXXX and EQUIFAX is super XXXX LOW because of it!! Equifax STOP BREAKING THE LAW AND REMOVE THIS ACCOUNT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: U.S. BANCORP
State: CA

Complaint narrative:
I noticed a hard inquiry on both my XXXX XXXX credit reports XXXX XXXX and 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 2020-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I contacted XXXX  XXXX XXXX XXXX  on XX/XX/2020 regarding my outstanding balance with Speedy Cash and they advised me that they have not had my account in years. They referred me to XXXX XXXX XXXX, Receiver because there was a judgement against me for this and XXXX XXXX was the appointed receiver. I came to a settlement agreement with them and paid the settlement amount. I then disputed the inaccurate reporting and XXXX XXXX XXXX XXXX " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' I have attached a copy of the release of judgement and also included that in the original dispute. This has caused me extreme mental, physical and emotional anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: OH

Complaint narrative:
On XX/XX/XXXX I purchased a bike on my chase visa debit card online for in store pickup at XXXX XXXX goods. I paid {$220.00} and a hold was placed on my card for this amount and the charge would formally go through when the bike was picked up. I was unable to pick the bike up within 48 hours so the order was canceled. The hold was removed and I was never charged for the purchase. On XX/XX/XXXX I purchased the same bike at the same XXXX XXXX goods online for in store pickup on the same card. This time I paid {$230.00}. Again a hold was placed on the card. My husband went to pick the bike up that evening and the girl checking him out saw on the account we had previously purchased that bike but our order had been canceled. She offered to price match and give my husband the lower price for the bike. She assured him he would not be charged twice. On XX/XX/XXXX I checked our statement and realized we had been charged twice. I contacted XXXX multiple times who told me they would get back to me. Multiple times they told me it was taken care of and I should see the refund in 3-5 business days. When I never received the refund I contacted Chase. They opened a case and investigated it. They came back with conclusion that this was 2 separate orders and the charges were valid. In the meantime, I received an email from XXXX stating that they determined the first order was never picked up and they had processed a refund in the amount of XXXX to my chase visa debit card. I never received this credit. I contacted chase again and they opened another case. I provided the transaction ID from XXXX for the refund and Chase still came to the conclusion that the charge was valid. I called XXXX again and they again provided me with an email receipt showing the date and amount the refund was processed ( {$230.00} on XX/XX/XXXX ) and again provided the transaction ID. I faxed this yet again to chase and they are still stating they will have to review the case and contact me. It has now been 2 business days and they stated they would get back to me in one business day. Its also worth noting that on XX/XX/XXXX I went into a Chase branch and tried to get a resolution and the banker took my information and assured me someone from the escalated claims department would contact me in 3-5 business days. No one ever contacted me. Its absurd to me that a bank can keep my money which was refunded to me by the merchant. Also, Chase came to the conclusion that the charge was valid when I provided them with proof from the Merchant that the merchant was admitting the charge was not valid. Im frustrated and want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-13 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: DISCOVER BANK
State: MD

Complaint narrative:
Unauthorized : Discover Payment Protection Identity Theft Over the course of the last 11 years our discover credit card has been charged monthly for the above services that we did not authorize. Contact was made and we were advised they can only refund 6 months of unauthorized charges to the account. They also were unable to locate or provide documents showing these services were agreed to. We were advised the only possible way of obtaining these documents is by filing paper work through a lawsuit. I do not wish to do this but I feel this will be my last option.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My deceased husband took out a home equity line of credit with PNC bank. I offered them a one time settlement and provided them with all the paperwork that was necessary. In stead of even reviewing the case, and saying I can only short sale or deed in lieu. 

I do not want to short sale or deed in lieu. Again, my deceased husband took out this loan. They did not even ADDRESS my settlement. I received a canned answer of the options they offer. 

Neither of these options are viable. I believe PNC BANK is just going thru the motions pretending to offer SETTLEMENT OPTIONS and sending canned letters, otherwise they would have addressed my settlement offer, stating yes, no, or they will accept xxxx amount of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
Hello, this company is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/XXXX. However, they are reporting 2 separate dates, XX/XX/XXXX and XX/XX/XXXX. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. Its damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: FACTUAL DATA CORP.
State: CA

Complaint narrative:
I noticed a hard inquiry on both my XXXX XXXX credit reports XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I noticed a hard inquiry on both my XXXX XXXX credit reports XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX/XXXX CARD HAS REPORTED TO ALL THREE CREDIT BUREAUS THAT MY ACCOUNT WAS LATE THIRTY DAYS, THIS ALLEGEDLY HAPPENED IN XX/XX/2019. IN XX/XX/2019, MY CARD WAS PAID OFF. THE COMPANY REPORTED THIS ERROR JUST RECENTLY THIS MONTH MY TRADELINES HAVE NEEN NEGATIVELY EFFECTED BY THIS INCORRECT NEGATIVE INFORMATION. I WAS NEVER LATE WITH MY PAYMENTS

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 2020-03-13 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: OH

Complaint narrative:
XXXX  XXXX XXXX  XXXX/XXXX CARD HAS REPORTED TO ALL THREE CREDIT BUREAUS THAT MY ACCOUNT WAS LATE THIRTY DAYS, THIS ALLEGEDLY HAPPENED IN XX/XX/2019. IN XX/XX/2019, MY CARD WAS PAID OFF. THE COMPANY REPORTED THIS ERROR JUST RECENTLY THIS MONTH MY TRADELINES HAVE NEEN NEGATIVELY EFFECTED BY THIS INCORRECT NEGATIVE INFORMATION. I WAS NEVER LATE WITH MY PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I purchased two pieces of furniture from Raymour & Flanigan in 2019, at two different times, but both times using a promotional program that allowed me to pay over time and be charged no interest if I paid the balance in full before the due date. Every time a bill came I paid much more than the minimum due, with every intention to pay both items off on time and incur no interest. 

I discovered today that the item I purchased first did not get paid down in time and that I had incurred {$89.00} in interest charges. I called the bank ( TD bank, apparently ) to inquire and they told me that every payment above the minimum was applied evenly to the two items, and that if I had wanted the overage to be applied to the earlier purchased item I would have had to call them and ask them to do that. So notwithstanding that the principal balance on the first item was only {$46.00} and I had paid much more than than over the minimums on each bill my total bill for that item was now {$130.00}. 

I believe that I was the victim of a deceptive business practice, and that they have probably been doing this to a lot of people in order to maximize their fees. I had every right to expect that since I was receiving one bill and making one payment that they would be applying the excess payments to the first-maturing item. That they did not, and instead applied my payments so that they could charge me interest, is outrageous and fraudulent. They failed to clearly disclose that I would have to call them to have them apply my excess payments rationally. To me that's an omission of material fact necessary to make the statements they made about their promotional program not misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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 have tried on a number of occasions to have Equifax correct my credit report because they are showing an " open account '' as " closed ''. It happens to be my auto loan with XXXX XXXX XXXX XXXX  which I clearly still make payments to every month and still drive the vehicle. They are the only credit reporting agency that shows the account as closed. I have tried calling a number of times, tried reporting it online via their dispute center but every time it comes back that it is reported correctly when it is not. My bank and other credit reporting agencies do not show it as closed as it was never closed so I am not sure how this mistake came about because it was previously reported as open?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
XXXX is claiming that I owe them money after I removed my son from their facility for what I felt to be poor care. When I removed him, I was paid in full, now they are claiming that there is a balance. They are using a collection company, IC Systems, and reporting this on my XXXX   Credit report. 

They are also reporting this as a loan. This is not true, and I have paid no money towards a principal on any loan from this company ( a daycare center, not a bank ), nor IC Systems ( collection 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 2020-03-13 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: IA

Complaint narrative:
Last summer I was one month late on paying an {$80.00} balance on my XXXX  XXXX XXXX  XXXX XXXX XXXX credit card. I was in the process of moving, switching checking accounts, and forgot to change the autopay setup. Again, my payment was only one month late and I paid the late fee. That {$80.00} represents <1 % of all of the credit I have used with XXXX over the past 8+ years. 

Still, it appears XXXX reported this late payment to the credit agencies ( or at least Experian ). As you can see in the attached screenshot, this one late payment resulted in a >15 % decrease in my FICO credit score. At the current rate, my credit score will take at least two and a half years to recover. 

I have repaid thousands of dollars of debt ( including XXXX in student loan debt ). One late payment of {$80.00} should not result in this big of a hit. This one month late payment - and its impact on my credit score, turning it from very good to fair/good - would probably translate into a 1 % difference in a mortgage interest rate. That in turn would mean dozens of thousands of dollars in additional interest over the life of a mortgage. All for missing an {$80.00} payment by one month!!!! ( And actually, technically I just missed the minimum payment, which is what maybe {$25.00}? ) This is usury is the highest degree.

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 2020-03-13 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
During a branch visit this am, the branch agent advised my Chase Freedom account was closed XX/XX/XXXX. Chase Closed my Credit card account without Written or digital confirmation. I called in to the support line to inquire about this process and the acquire a copy of the notice. I was transferred to 6 different agents advising someone could provide the original document they " Sent '' me. Some names are XXXX - XXXX - 3 names I could not make out due to accent and finally to XXXX ( I asked for a Supervisor ) .I had to reexplain my issues to all of them as they don't talk internally. XXXX advised my account was closed due to inactivity ( Understandable ). I advised that I did not receive a letter advising my account was considered for Closure, but in XXXX, I did receive a letter my current card expires XX/XX/XXXX and a new card will be sent. I never received my new card. Time has passed and nothing was noticed. After being bounced around 6 different folks and repeating my issue to all, XXXX ( Supervisor ) advised chase sent out notification XX/XX/XXXX and they typically begin the closure after 90 Days of notice being sent out even if the Customer receives the letter or not, REALLY!?. That would make it XX/XX/XXXX for closure. I advised the account was closed XXXX so it was a premature closure. He advised the 90 days are not exact and its give or take with chase and there is nothing they can do and I can apply for a new card If I want. I advised this is my longest Standing credit account and it not only affected my Credit score but also my credit history which can have more affects on my credit. He offered to send me the original notice from XX/XX/XXXX and advised it takes 7-10 business days to process and there is nothing they can do. I am currently in the process of a mortgage application renew and this is a major hit due to the way Chase handles notifications and doesn't care if the customer get them or not. I even advised that in the Notices and letters section of my account there are no letters of closure consideration. Why not post it on the account like the Statements like when you want to offer your services or enable features?. This is really screwed up on their behalf. During a crisis we are going through now with COVID-19 and the economy down turn. This card could be the difference between charging supplies or charging medical bills due to an emergency. What a Joke. They didn't care about my Credit history or credit score being dinged since they claim " it's closed weather you get the notice or not ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: U.S. BANCORP
State: DE

Complaint narrative:
I made my monthly payment in full, on the day it was due. They payment was not acknowledged until the next day and I was billed a {$29.00} dollar late fee and {$55.00} in interest. I believe {$84.00} in penalties for a payment that was made on the due date, is excessive. My attempt to get the moneys rebated was refused by a phone rep and through the online banking message portal.

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