vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with the Equifax Credit Bureau about the unverified account : XX/XX/XXXX -- Account Number XXXX. In those 2 Months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/2020, I became a Covid-19 affected employee. I missed a payment on myXX/XX/XXXXaccount in XXXX 2020. I requested that XXXX XXXX forgive my past due payment, due to my spotless 3 year payment history, and they sent me a letter stating they would remove my XX/XX/2020 late payment. I have attempted 4x to get the credit bureaus to update my account based upon the creditor 's correspondence, but they continue to fail to update and now refuse to allow me to further dispute this item to get it reporting accurately. I am trying to apply for a mortgage but I am receiving decline notices due to this very recent blip on my 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 non-monetary relief
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XX/XX/2020, I became a Covid-19 affected employee. I missed a payment on my XX/XX/XXXX account in XXXX 2020. I requested that XX/XX/XXXX forgive my past due payment, due to my spotless 3 year payment history, and they sent me a letter stating they would remove my XX/XX/2020 late payment. I have attempted 4x to get the credit bureaus to update my account based upon the creditor 's correspondence, but they continue to fail to update and now refuse to allow me to further dispute this item to get it reporting accurately. I am trying to apply for a mortgage but I am receiving decline notices due to this very recent blip on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In XX/XX/2020 I became a Covid-19 affected employee. 
In XXXX 2020 I missed a payment on my Comenity BankXX/XX/XXXX credit card account. 
I called the company and asked for a good-faith removal of my late payment due to my spotless 3-year on time payment history. They sent me a letter agreeing to remove the XXXX 2020 late payment. I have attempted several times to update the credit bureaus, however, the credit bureau states the creditor confirms the late payment information as accurate. I now can not get a mortgage based upon this reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After many attempts since XX/XX/2020 to get a refund from XXXX XXXX for airlines tickets cancelled due to covid-19 and the lockdown, on XX/XX/2020 I filed a dispute with Capital One-Dispute No. XXXX for {$300.00}. I sent all the paperwork required by Capital One, but on XX/XX/2020, Capital One sent me a letter denying the refund/chargeback to my account with the excuse that I did not submit a refund voucher ( attached letter ). On XX/XX/2020, I received an email from XXXX XXXX confirmation the refund in the amount of XXXX. Following Capital Ones recomendation, I forwarded the email to XXXX ( Travel Agency ). Since I did not receive the refund by XX/XX/2020, I sent another email to XXXX requesting the status of the refund. By XX/XX/2020 I did not receive the refund from the merchant, so I decided to call Capital One. Capital One reopened the case and sent me a link to submit the so called refund request for proof. Today, XX/XX/2020, and since I have not heard back from Capital One, I called Capital One and XXXX XXXX its representative ) noticed nothing was done on the dispute. She put me on hold for a few minutes, and when she came back to the line, she stated that the dispute was not going to be honored due that the time to dispute was passed. I could not believe what I was hearing, so I asked her to transfer my call to the complaint department. She stated there is NO complaint department. Then, I asked her if there is a phone number for a Consumer Advocacy Office to talk to them before I file a complaint with the CFPB, and she also stated there is NO such office. Not only Capital One is avoiding and not following its duty to properly investigate my dispute with legitimate facts, they are violating the Consumer Protection act to protect me against fraudulent, malicious and unscrupulous merchants who are keeping a refund that is rightfully mine. I am submitting a CHRONOLOGICAL TIME OF THIS DISPUTE. This dispute was presented since XXXX, and as I got the information necessary, I sent it to Capital One in a timely manner. Attached are all the paperwork submitted to Capital One and necessary to support my complaint against Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-10 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: PA

Complaint narrative:
I am writing this due to non-compliance with the CRA. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They can't continue to report this negative information because it's false, I'm trying to better my life, and these negative accounts hinder me from doing such. I have filed with the Attorney General as well, I will attach their response to this complaint.

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 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
The auto company is continuing to report this account late. I have contacted them several times. I am repeatedly hug up on, am transfer to an out of the country foreigner or a XXXX speaking agent and I am an American who only speaks English. I have sent in written request and the company has failed to correspond. 

I am making all my payments on time and they continue to report them 30 days late each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Meridian Buyer’s Group
State: TN

Complaint narrative:
The company states I failed to pay my XXXX payment. I sent the proof of payment to them on XXXX. Payment cleared my bank on XXXX. Company picked up the car on XXXX. I called to request info and was told I would be given a call back. No one called me back. When I called on XXXX I was told I could not retreive the vehicle. I was told I could get my belongings and given a number to call and make an appointment. Meridian Buyers Group XXXX TN, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XX/XX/XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XX/XX/XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XX/XX/XXXX XXXX DEPT OF EDUCATION/XX/XX/XXXX XXXX DEPT OF EDUCATION/XX/XX/XXXX XXXX DPEDXX/XX/XXXX XXXX DEPTEDXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX DEPTEDXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: KS

Complaint narrative:
I C System is showing a debt for XXXX XXXX XXXX XXXX. My insurance was to pay more on this bill because XX/XX/XXXX did not file correctly. The debt is not owed and needs to be deleted from my credit bureau as it is not a valid debt. 

In addition, said debt is outside of the statute of limitations, so the credit bureau reporting serves as a collection attempt in violation of the FDCPA.

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 2020-11-10 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:
I am writing this due to non-compliance with the CRA. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They can't continue to report this negative information because it's false, I'm trying to better my life, and these negative accounts hinder me from doing such. I have filed with the Attorney General as well, I will attach their response to this complaint.

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 2020-11-10 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:
I am writing this due to non-compliance with the CRA. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They can't continue to report this negative information because it's false, I'm trying to better my life, and these negative accounts hinder me from doing such. I have filed with the Attorney General as well, I will attach their response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: OH

Complaint narrative:
I lost my job in XX/XX/XXXX. I wasnt able to make my mortgage payments as of XX/XX/XXXX. My mortgage company is HomePoint Financial. I was put in a program that allowed me to have the payments placed on hold for 6 months. After the 6 months, I still was unemployed and unable to make payments so I requested an extension. I was told I had to apply for the Loss Mitigation program. I have been going back and forth with my mortgage company since XXXX about this program. At first, it took them over a month to send me the paperwork to fill out. I received phone calls almost every day about my unpaid mortgage during that time. Since then, Ive been sending in the packet of paperwork and additional documents at least 1-2 times a month. Ive emailed them and mailed them. Most of the time they tell me they never received it. Theyve told me Im missing documents a few times, even though I keep copies of what I send and I have all the paperwork they requested. Theyve also told me the paperwork they received only scanned half of each page. I contact them after I send in my information, to make sure they get it. At this point, I feel like theyre just messing with me, or they are purposely trying to not let me in this program. Its very frustrating and unprofessional. This last call I was on today, I was hung up on. I was called, again, because they havent received the paperwork and documents I emailed on XX/XX/XXXX. I called last week to check on it, and I was told to call back on XX/XX/XXXX to see if its in the system ... Im ready to change companies, but Im not sure if thats possible. Im just so frustrated with this process. I am already struggling with money, and they are making things more difficult and adding unnecessary stress and anxiety. I usually speak with XXXX, Ive spoken with XXXX, and also others that I did not record their names. I want to stay in my home and not have to worry about foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: FL

Complaint narrative:
I have been disputing identity theft on 2 XXXX XXXX accounts on experian for quite a while now. Both XXXX  and XXXX have already acknowledged the identity theft and removed this account. However Experian still has it showing as well some other account from some financial network that is also identity theft. I have already submitted a police report and ftc report for all of these accounts to all 3 bureaus. 

Here 's the information on these accounts. 

Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$32000.00} written off. {$32000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$32000.00} Balance UpdatedXXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$30000.00} Highest Balance {$0.00} Terms72 Months On Record UntilXX/XX/XXXX Account NameXXXX XXXX XXXX XXXX  Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXXBalance {$16000.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$10000.00} Highest Balance {$16000.00} TermsNA On Record UntilXX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$460.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXXBalance {$460.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$460.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I receive unemployment in ca. XX/XX/XXXX I reported that numerous unauthorized tranactions had been made via internet and approx XXXX was stolen during a time when I was very I'll and did not have ability to use or check my card. The bank issued a temp credit then sent a letter stating that credit was now permanent. Then I checked my account was in the negative and they stated that the claim had been closed. I contacted bofa and edd both told me it was because I needed to send identity information to XXXX. Once I did I contacted XXXX and they said I had no freezes or holds. I spoke to bofa and they stated that they would escalate the claim and get it in for reconsideration. The investigation was completed they found it was no fault of my own. But now they are syphoning my benefits from XXXX and I'm still in negative. They never closed my account and XXXX said there was no way for me to stop them from receiving my benefits. I'm on section XXXX I can't pay my pgand e. My daughter goes to school via zoom and I can't pay cable all because bank of america won't put my account back to normal like they stated they would. My name is XXXX XXXX my SS is XXXX. My account number is XXXX. I am devastated. My mom 's maiden name is XXXX my address is XXXX XXXX XXXX  XXXX XXXX Ca XXXX. My phone number XXXX. Dob isXX/XX/XXXX. Please help. I'm drowning in their failure to comply.

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 2020-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tried to establish an online banking account. After 2 attempts with the help of customer support XXXX phone ), I was able to access my acct., only to discover that Cap. 1 had CHANGED the name of my account, without informing me, thus shoing my previous account : Essential savings, as closed. When I contacted them ( by phone ), they told me my account was changed to CONVENIENCE SAVINGS, and I would have to establish a new account online. When I attempted to do that, I was told by the representative that I had to wait weeks to be able to access my account, because my phone number had to be verified. As I signed in, my phone number, which was always the same, automatically shows up in the sign-in page, but will not allow me access. I was told I had to wait weeks for the bank to verify my phone number that was on file for 3 YEARS to be able to access an online account. I am XXXX years old, and living in XXXX XXXX, having left XXXX  abruptly after almost being robbed in my neighborhood. I told the rep., and she couldn't care less. There are NO Cap.1 branches near me, and I am only able to access {$800.00} a day, and have no way to pay my bills. I would be greatful for any help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel like Im 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 from my credit report it has been over so this should be deleted promptly. I demand these account be deleted immediately or I will file litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Also a violation under 15 usc 1681 n ( b ) and they owe me money.

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