vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
This card was paid off about one week prior to XX/XX/2021 when a payment for {$XXXX} cleared. The next billing cycle was after this date. We paid this electronically by phone and that should have been the balance in entirety. We have had to spend an inordinate amount of time trying to have this account closed. 

When we called to pay the balance in its entirety, we were told that would be the last payment needed. The payment came before the billing cycle. We were advised that was all that we needed to pay. 

We were then sent a bill for {$XXXX}. We called ( reference number XXXX. We were told again that they would be waiving that fee since we had paid it in full. 

We have again received a bill, now for {$XXXX}. We called and gave the representative the reference number above. He stated ( XXXX ) that we had a late fee and that they wanted this amount again. We stated that was not acceptable because we had already paid the balance in full prior to the end of cycle. We also reminded him that we had already taken time to correct this previously. 

XXXX now says that the account is back to a {$XXXX} balance, but was unable to give us a reference number. He did help us to gain access to the website so " You can check for yourself to see that the balance will be {$XXXX} in XXXX hours. '' My complaint is that this billing after payoff is suspect and should be investigated. For someone who does not possess the education and expertise of our agency, they may be in a constant state of paying interest and charges that are certainly not owed. 

I believe that the company should be investigated and these practices resolved. I suspect there are a considerable amount of former or current American Express clients who have been falsely billed and have paid false charges. I would assume this amount would be considerable. 

With respect, I remain, XXXX XXXX XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05 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: PA

Complaint narrative:
There are several issues with my credit reporting One If my credit show XXXX debt why did the score drop 82 points with TransUnion and 6 points with XXXX  if the debt is XXXX the score should go up not down. Instead of showing the XXXX  mortgage paid in full it is showing a closed account which is wrong it should show it paid off. Number two XXXX is showing a late payment over XXXX or less and it was because they didn't change the phone numbers 18 months ago when asked to do so and they could not contact us to inform us of a payment due. We pay the entire credit balance each and every month. This is wrong as they could have contacted us if they did their job and changed the number the same with XXXX XXXX they didn't change the number either I spent hours this morning trying to do their numbers and get them right what is it today no one wants to do their jobs and it effects the customers in a negative way. If you look XXXX has a complaint with you about this by my husband

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chases are not taking the Care Acts into consideration. This Covid Pandemic is not the U.SXXXX fault. Healthcare workers are volunteering and all this needs to be taken into consideration. I have been out of work from XX/XX/XXXX until XX/XX/XXXX due to Covid, I am a XXXX worker, in the XXXX XXXX XXXX field aka XXXX technologist. I reside in North Carolina, I have informed Chase, times I am not working since XX/XX/XXXX. I informed them I was receiving employment but only {$400.00} a month. I informed Chase I can only afford {$20.00} amount until I get employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I paid XXXX on my credit card on XXXX XXXX. The amount paid has still not been applied to my account. It has been 8 days. Additionally this company will not correct a problem with accepting payments on their end for renters and auto insurance, an account I have with them as well. I am on auto payment, but I have to dial in monthly to pay on my account. Their system will not accept payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: SC

Complaint narrative:
Hello, I sent off my first set of letters but I havent gotten a response yet from the credit bureau its been mored then 30-45 days. Im very concerned! I got my 2nd set of letters in the mail today XX/XX/2021. Can you please let me know whats going. All 3 credit bureaus haven't sent me no updates its been past 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 2021-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: TN

Complaint narrative:
Republic finance wants me to pay XXXX dollars for an attorney fee to remind me that I'm late on my loan after I already paid a late fee. 
The contract doesn't state how many days I have to be late to pay an attorney fee and Republic Finance keeps harassing me over the XXXX dollars attorney fee. 
A Republic Finance employee told me on the back of the contract it states " I will pay you all cost you incur in collecting this note '' but I was told by Republic Finance when getting the loan all I had to do was tell them I was going to be late and when I was going to be able to make my next payment but they said the XXXX dollars fee is not on the contract but it doesn't mean I don't have to pay it even after paying the late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
There are several issues with my credit reporting One If my credit show XXXX debt why did the score drop 82 points with XXXX  and 6 points with XXXX  if the debt is XXXX the score should go up not down. Instead of showing the XXXX  XXXX paid in full it is showing a closed account which is wrong it should show it paid off. Number two PayPal is showing a late payment over XXXX or less and it was because they didn't change the phone numbers 18 months ago when asked to do so and they could not contact us to inform us of a payment due. We pay the entire credit balance each and every month. This is wrong as they could have contacted us if they did their job and changed the number the same with XXXX XXXX they didn't change the number either I spent hours this morning trying to do their numbers and get them right what is it today no one wants to do their jobs and it effects the customers in a negative way. If you look Paypal has a complaint with you about this by my husband

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 2021-03-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There are several issues with my credit reporting One If my credit show XXXX debt why did the score drop 82 points with XXXX  and 6 points with Equifax if the debt is XXXX the score should go up not down. Instead of showing the XXXX  mortgage paid in full it is showing a closed account which is wrong it should show it paid off. Number two XXXX is showing a late payment over XXXX or less and it was because they didn't change the phone numbers 18 months ago when asked to do so and they could not contact us to inform us of a payment due. We pay the entire credit balance each and every month. This is wrong as they could have contacted us if they did their job and changed the number the same with XXXX XXXX they didn't change the number either I spent hours this morning trying to do their numbers and get them right what is it today no one wants to do their jobs and it effects the customers in a negative way. If you look XXXX has a complaint with you about this by my husband

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I called XX/XX/21 to get an update regarding my dispute for the XXXX XXXX concert in XXXX, FL that was cancelled and postponed due to COVID. After providing supporting documents on four occasions, I thought the matter was resolved. Unfortunately, the rep stated an email was sent requesting the invoice, name and location of the event along with something that shows the show was canceled/postponed. I did not receive any additional request and am being made aware of this today. I am hoping these final documents can resolve this year long catastrophe. I am now being penalize for navy federal mistake. Instead on issuing a temp credit while they figure out whats going on with their system they take the little bit of help I received on the day it was deposited into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: SC

Complaint narrative:
Hello, I sent off my first set of letters but I havent gotten a response yet from the credit bureau its been mored then 30-45 days. Im very concerned! I got my 2nd set of letters in the mail today XX/XX/2021. Can you please let me know whats going. All 3 credit bureaus haven't sent me no updates its been past 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 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hello, I sent off my first set of letters but I havent gotten a response yet from the credit bureau its been mored then 30-45 days. Im very concerned! I got my 2nd set of letters in the mail today XXXX Can you please let me know whats going. All 3 credit bureaus haven't sent me no updates its been past time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Ive got my money stolen from me from my cash app because this person watched me put in my pin. 
This person is named XXXX XXXX $ XXXX is her Cashtag.She stolen {$220.00} and i didnt authorize this payment on XX/XX/2020 Although i did pay her {$25.00}, this person watched me put in my pin and waited until i was away from my phone to access my account from my phone and sent herself $ XXXX.I didn't notice this until later when this person had left the premises. 
I did not authorize this and I've brought this to the attention of cash app support with no real results. 
As a customer. I'm totally aware of the cash I send and receive and would label it as a mistake if that were the case. 
This was a person who stole from me and I requested a 'Right to refund from square. 
I don't feel like support is understanding that i dont make a lot of transactions so i know exactly what goes in or out. 
I have to record this for business purposes. I can not afford to send anyone large amounts of money without a label in the subject line. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: SC

Complaint narrative:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
XXXX-I called XXXX XXXX XXXX  Customer Services ( Vervent/Total Card ) regarding an outstanding account listed in my name with there company. The CSR informed me that the account was closed and there was nothing she could do. 
XXXX mailed a certified letter to XXXX XXXX XXXX ( Vervent/Total Card ) Corporate Office regarding Debt Validation of the outstanding balance that I called about in XX/XX/2020 listed above. To date I have not received a response regarding my request. 
XXXX disputed the information to XXXX XXXX, and XXXX, that I did not receive debt validation from XXXX XXXX XXXX  ( Vervent ) regarding account listed above. Each of the Credit Reporting agencies validated the debt was accurate even though the company did not validate debt. 
XXXX I called XXXX XXXX XXXX Customer Service ( Vervent/Total Card ) one last time for a resolution. XXXX ( CSR ) indicated once again there was nothing that the company could do. 

The company did not validate the debt, continued to report the information to the CRA 's and when I disputed it with the CRA 's they continued to report an invalidate debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: GA

Complaint narrative:
This is a continuation of CFPB Case : XXXX Chase has decided not to perform their fiduciary duty in resolving this case amacabbly. THey stated in our case that they would resolve without issuing my a 1099 for cancellation of debt on an illegitimate charge. Even though I have proof, in writing, from XXXX XXXX that they would issue a refund and chose not to, chase is ignoring all evidence and treating this like a debt cancellation, rather than a fraudulent card. WHen contacting Chase they are stating that it is not fraud, despite the airline never delivering the flight OR the refind, even though they stated they would in writing. 

Noty only is this not in alignment with the agreed upon resolution of the previous case, but it is by definition a violation of our credit card 's fraud protections. They are asking that I pay taxeso n this money TWICE, leaving me materially at a loss because they wish to be negligent and not take the proper care to follow through on the charge back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I received a notice to pay a debt ( {$540.00} ) from Midland Credit Management , Inc ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX CA XXXX. On XX/XX/XXXX I responded with a lawful request asking the company to validate the debt, sent certified mail. I received no response from the company. Since the company did not respond, on XX/XX/XXXX I lawfully asked the company to cease and desist and to not report any negative information on my credit. In violation of the Fair Credit Reporting Act, the company has ignored my lawful request and began report negative information on my credit without validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I had a XXXX done at my doctor 's office. I followed up with my doctor 's office several times regarding the results. On approximately XX/XX/XXXX, my doctor 's office informed me that XXXX XXXX had lost the XXXX sample so they would be unable to provide the results to me. On approximately XX/XX/XXXX, I received a statement from my health insurance company XXXX XXXX XXXX XXXX stating they had denied a claim from XXXX XXXX for {$370.00} for service dated XX/XX/XXXX. I filed a request to XXXX XXXX for investigation of XXXX XXXX submitting a claim for services not performed. In XX/XX/XXXX, I started receiving bills from XXXX XXXX for {$370.00}. I called XXXX XXXX twice, once in XX/XX/XXXX and once in XXXX, contesting the bills and I told them that XXXX XXXX never provided the biopsy results to my doctor. An employee told me that XXXX XXXX sent the results to my doctor on XX/XX/XXXX, but my doctor 's office confirmed they never received the results. I asked the XXXX XXXX employee if they could send the results to me and he said yes. However, they never sent the results to me either. On XX/XX/XXXX I started getting collection notices from XXXXXXXX XXXX for the {$370.00}. I called on XX/XX/XXXX and an employee told me they would look into the matter with XXXX XXXX. There was no further response from them except for additional collection notices. On XX/XX/XXXX I received a notice from a new collection company, Credit Collection Services. I called on XX/XX/XXXX and spoke to an employee, who said they would mark my account as disputed. On XX/XX/XXXX, I received another letter from Credit Collection Services saying that they were going to report the balance on my credit report. On various dates in XX/XX/XXXX, I discovered that they had reported the {$370.00} as a collection item on my credit report. Prior to that, I had perfect credit all my life and my credit score was XXXX. Because of this fraudulent debt, my credit score has decreased to XXXX! I filed disputes with the credit bureaus XXXX, XXXX and XXXX. XXXX did an " investigation '', which consisted of basically asking XXXX XXXX if the balance was owed and they said yes, so XXXX informed me the item would not be removed from my credit report. I haven't received results from the XXXX or XXXX disputes yet, but I expect they will be the same, if all they do is contact XXXX XXXX and ask if the balance is owed. This is very unfair and XXXX XXXX should remove this fraudulent item from my credit. To this date, they have still not provided any results to me or my doctor 's office. It's not that I can't afford to pay {$370.00} ; it's just the principle of it. I refuse to pay {$370.00} for services that were never provided.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: EVERBANK, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
TIAA negligently, recklessly or intentionally misreported my account as being delinquent by 180 days when it was not at all. I have filed one complaint on this already. TIAA has lied about what they have done, and the errors on my credit report ( s ) have not been fixed ( as of today XX/XX/2021 ). WHILE ON THE PHONE WITH TIAA REPRESENTATIVES, THEY HAVE INDICATED THAT THEY HAVE HARMED OTHER OF THEIR BORROWERS IN THE SAME WAY.

TIAA may have acted alone or in concert with MyLoanCare, the new servicer.

TIAA 's actions have prevented me ( or have and are negatively affecting me in the following manner ) : 1 ) I am applying for jobs and they are pulling credit. My credit score has been decimated by the actions of TIAA and XXXX. 

2 ) My homeowner 's insurance rates are about to renew, and are based on my credit score. TIAA 's actions will materially and negatively affect my rates, costing me up to thousands of dollars.

3 ) Preventing me from refinancing at optimal rates. THIS IS BY DESIGN. TIAA and XXXX have acted in concert to DESTROY MY CREDIT SCORE SO I CAN NOT GET A SUPERIOR LOAN RATE WHEN THEY ARE AT HISTORIC LOWS.

3 ) A total waste of my time. I have spent no fewer than 12 hours on this at this point. TIAA 's ( and XXXX 's ) telephone and email systems are circuitous, and designed to intentionally frustrate customers from obtaining a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

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

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation