vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 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: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please accept this letter as a written request to dispute the following account information of items appearing on my credit reports. To prevent any confusion, I have listed the item and account number below : XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX is fraudulent on my credit Account # XXXX ILLINOIS XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiries from XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX 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 2020-09-18 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: MD

Complaint narrative:
I opened a XXXX credit card and received mile for XXXX XXXX flights in XX/XX/XXXX. Upon opening the account online I was prompted by their website to establish auto-pay, which I did with my bank ( XXXX XXXX ). I was told auto pay was the only way that I would be able to get the miles for flights.I made a single charge on this act on XX/XX/XXXX for {$3.00}. I presumed that autopay was set up so therewas no need to be concerned about making a payment. In XX/XX/XXXX I was informed via an email that my act was past due. Upon logging onto theXXXX website, I saw the single charge for {$3.00} and a series of late fees. I immediately paid the balance including the late fees, and contacted customer service and explained that I enrolled in autopay and was told that there was nothing that could be done other than mail in a complaint. Recently I received a credit report with amuch lower credit score due to this discrepancy. I kindly requested again that XXXX remove the delinquent payment from my account and provide that information to the credit agencies which said they can not do. I failed to notice emails from XXXX about an outstanding balance in XXXX, XXXX, and XXXX because I thought I was enrolled in autopay, additionally due to stress and work-related challenges because of the COVID-19 pandemic. XXXX is unwilling to remidy/adjust my credit report for a {$3.00} charge in which I believe I was enrolled in auto-pay.

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 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America I have had this loan for about 10 yrs and do not escrow taxes or insurance. I have never been late on a payment. Taxes and insurance are up to date. Recently during this pandemic a payment to taxes posted late. The bank is now saying i have to escrow tax and ins. i can not afford what they are asking me to pay. I have spent MANY hrs trying to get a person on the phone with no luck. Sent them a certified letter with no call back. I have emailed them multiple times and no one has contacted me. I work in healthcare and pride myself on always having good credit. I do not want this bank to ruin things for me. Thank you for your help, XXXX 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 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
This debt just magically appeared during the pandemic. I did not receive any information nor do I have service with this provider. I have asked them to provide a contract or evidence that this account was opened by me. They have refused. They have advised the credit bureaus that its valid and they are not my service provider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: NY

Complaint narrative:
To whom it may concern, I am writing to submit my complaint about my previous dispute with Chase Travel and Chase Bank. The transaction date is XX/XX/2020. The dispute amount is {$110.00}. 

Back in XXXX I booked a car rental through the Chase Travel portal for an XXXX XXXX with my Chase card. On the day of picking up the rental we were informed that the name of the driver and the person 's whose credit card was being used needed to match. Since I do not drive we changed the card to my partner 's credit card for her to drive. We were told that the booking was being changed to her card and the total charge would be on our receipt. As you can see on the statement attached and the previous attachments the rental has been paid. We are disputing the charge on my Chase card because we were told it was going to be refunded. We have spent the past three months working with Chase, Chase Travel, and  XXXX in attempt to complete this dispute and receive our money back. We are unsure as to why the cards have two different charge prices. As for now, Chase Bank 's only response was simply resending the confirmation email from Chase Travel without further explanation. We have been double charged on my Chase credit card as well as my girlfriend 's credit card for the same car rental. As shown in the final receipt, the car rental has been fully paid by my girlfriend 's credit card bearing the amount of money {$92.00}. 

At the same time, we had a mechanical issue with our vehicle that was rented and had to exchange the car a few hours out of the way so they may have lowered the price because of that. As you can see on the itinerary, we returned the rental within the time that was booked. 

I have attached to the submission the completed payment and statement on my girlfriend 's card for the rental along with copies of the receipts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18 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: NV

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citifinancial/Citibank Credit Cards During Covid Pandemic I wanted to lower my credit card balances on Credit Cards to improve my credit scores and utilization I paid a significant amount to my credit cards. I wanted to benefit from improved credit scores and refinance my house Citibank instead of allowing me to see the benefits of on time and lowering balances proceeded to reduce my credit limit and increase my credit card utilization which in turn impacts my credit scores. 

I requested Citibank to return my previous limits. They refused. I asked if I had chosen to repay another creditor would they have had to keep my higher limits. They confirmed they would have had no choice to keep my limits. I was penalized for repaying the wrong creditor to try and improve my score

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 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
The company is refusing to provide a Loan Estimate, despite providing them all of the information that is required per TILA-RESPA guidelines. 

The company has stated that they will not provide a Loan Estimate unless I lock in a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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:
Please accept this letter as a written request to dispute the following account information of items appearing on my credit reports. To prevent any confusion, I have listed the item and account number below : XXXX XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiries from XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX 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 2020-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Have been a customer for years - Promised rewards for transfers. 
Always sent money to XXXX, XXXX where my spiritual family ( which I have visited more than 3 times over the years ). 

Have been denied a transaction to an existing recipient and subsequently denied access to all services from XXXX XXXX without explanation. 

In these times of need, it affects people personally. 

No response but still marketing emails showing 'Points ' available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-18 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi, and how are you doing during this COVID-19? This is directly involves my capital one account with credit limit of {$5000.00} that was marked late on my credit report between or around XXXX 2020 for 30 days late. I was actually shocked when I reviewed my credit report and found that late payment on my credit report. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: NJ

Complaint narrative:
The company CACI  is sending me a letter of a debt settlement that I own them but there is no validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have contacted XXXX  several times asking them to update the payment history and balance on my car loan. They are still reporting that the loan is late and I have been on time for over a year. it is negatively effecting my credit report and my cosigners credit report. I have disputed it with the all three credit bureaus and the same result they say lender confirms info.

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 2020-09-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent in a police report along with a dispute letter about the XXXX   account thats reporting 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 2020-09-18 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Back in XX/XX/2020 i had XXXX XXXX i called and requested Deferred payment but unfortunately call was directed to XXXX and spoke to a representative but unfortunately the request was never put through and when i came out the hospital after month and half, i found out i had late payments on my credit history i tried reaching citi bank send they letter expelling my situation did receive any correspondence from them called them again today but didn't get any help.these late payments are effecting my life i am getting hard time from XXXX because these late 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 non-monetary relief
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: MD

Complaint narrative:
Since approximately XX/XX/2020 I have been receiving harassing telephone calls on a daily basis from an unknown entity. The unknown entity used caller id spoofing in order to deliberately falsify information transmitted to my caller ID to disguise their identity. The unknown entity used Maryland area codes and numbers in order to make it appear the calls were being generated from a local number. After significant research I discovered the calls were being generated from an entity by the name of Enhanced Recovery Company , LLC ( ERC ) in XXXX, Florida. According to their website they are " an international business process XXXX and full service, end-to-end provider for every aspect of the customer lifecycle, including debt collection. '' They further indicate working on behalf of a number of different creditors such as telecommunications, utilities, banks, cable companies, financial service providers, student loans, etc. In addition, they maintain being contracted by creditors and in some instances debt purchasers. Based on the circumstances of the telephone calls and lack of receiving a written validation notice I believe ERC to be a fraudulent debt collector. To date I have kept a log of over 50 spoofed  telephone numbers from ERC spanning back to XX/XX/2020. All calls have used the area codes XXXX and XXXX and have come primarily from the following telephone numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I have reason to believe they have spoofed other numbers from within the state of Maryland and contact may date back further. I have not received a written validation letter from Enhanced Recovery Company LLC regarding any alleged debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: NV

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-18 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: CA

Complaint narrative:
On XX/XX/2020 I filed a dispute with Transunion I still have not received anything from them about my dispute. I understand that with covid things are behind, but the law states 30 days this is unacceptable that I need to wait for my results.

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