vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly a collection/chargeoff, as well as ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and therefore there is no payment to be late on and no balance to collect/chargeoff. This false reporting of lates and a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: CT

Complaint narrative:
I purchased a flight to XXXX scheduled for the end of XXXX (XX/XX/XXXX ) from XXXX for {$370.00}. The airline cancelled the flight in response to the Covid-19 pandemic. Per the airlines website, they indicated that refunds were available, and I should contact the travel agent I booked with in order to receive my refund. I called the merchant, XXXX, to request a refund. XXXX does not provide a toll free number for support, and so I was forced to make an 87 minute international call. I was on hold for more than an hour before finally speaking to a representative, who informed me that I would receive a refund within 2-8 weeks. 

I provided Capitol One with my initial receipt, as well as cancellation emails from both the airline and the travel agent. I included the relevant section of the carriers website indicating that I was entitled to a full refund. I even provided them a copy of my phone bill showing the 87 minute international charge. They have however refused to return my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I am finishing up a XXXX XXXX reorganization. My bankruptcy was discharged on XX/XX/2020. Leading up to the final months I contacted my mortgage company, mr. Cooper, to make sure all payments were current. I have had issues in the past with mr. Cooper misapplying funds IE applying monthly mortgage payments to principal or Escrow, excetera. As has become their Norm, about every 18 months I'll get a letter from Mr Cooper or their attorney saying that I owe between XXXX and {$5000.00}. This morning I received a phone call from mr. Cooper asked me if I would be interested in a forbearance. I did not understand why they were calling me as I am current on my payments. I called to check last month again prior to my bankruptcy being discharged I have the names of the people I spoke with the amount that they told me to pay. This morning a lady and loss mitigation Department informs me that my house is in foreclosure. However they can not give me a total amount that I owe or when my house will be sold. I have spoken to representatives in three different departments at Nationstar/mr. Cooper as well as speaking with their attorney, XXXX XXXX. All to no avail. I don't know where else to turn to for help. My monthly statement for this month shows that I owe my regular monthly payment. In fact it actually shows that I have an unapplied balance. I'm hoping someone can help me navigate this and figure this out

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: CO

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly a collection/chargeoff, as well as ( 120 ) days  late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and therefore there is no payment to be late on and no balance to collect/chargeoff. This false reporting of lates and a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/chargeoff, as well as ( 120 ) days  late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and therefore there is no payment to be late on and no balance to collect/chargeoff. This false reporting of lates and a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have two complaints surrounding CBRs and scoring. My phone number is XXXX. I am an industry veteran and I beg to have an audience with anyone that will listen. 

Complaint # 1 : I have paid every bill of mine on time for the last 24 months. I have recently lowered my credit utilization, yet my score drops 25 points. How can a random company have so much say over my financial future, while i am on time with all of my bills. The only thing I have done in the last 60 days was dispute several accounts, how does that lower my score?

Complaint # 2 : I have several debt collectors reporting that I was delinquent. They are doing this to be fair, they are doing this so they can use this as a weapon! I never got the positive reporting when the debt was current, why now then are they allowed to report it in the negative. This is not fair, and is an example of why UDAAP was created. it was crated to protect individuals like myself from unfair and deceptive practices! 

I am in the industry, collection agencies report to the credit report for one reason only, to use it as leverage! if the original creditor did not report the account, then the agency they sold the account to, or placed the account with should not be allowed to report it! If we are not going to get the good credit, it is not fair that we get the bad credit as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: MD

Complaint narrative:
ON OR ABOUT XXXX AND XX/XX/2020 I DISPUTED ITEMS ON MY CREDIT REPORT. EQUIFAX HAS FAILED TO INVESTIGATE AN UNVERIFIABLE, INCOMPLETE AND INCORRECT ITEM. MOREOVER THE HAVE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEM IN VIOLATION OF SECTION 609

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I request a XXXX statement. 
XXXX XXXX of XXXX i requested i get my XX/XX/XXXX statement that it has not appeared. 
Additionally i request i get my XXXX statement and future statements be generated the 1st of the month to coincide with my other chase credit card statements and i was told it would be done. 
Now i am told i will get my XXXX statement on the 1st and it will be for two months that i will not get a statement generated on a monthly basis i will get two months activity on one statement.

i request monthly statements especially one for XXXX hopefully the period between XX/XX/XXXX and XX/XX/XXXX. 
To have a combined bi monthly statement or payment missing on credit reporting will reflect no payment information for the month of XXXX and it will reflect negatively on my score. I pay my bills in full every month and am entitled to a monthly statement. 
At no time did i request deferment of payment and i specifically requested a XX/XX/XXXX statement be generated on XX/XX/XXXX and was told it would be when in fact it was not. 
XX/XX/XXXX i was told it would be escalated to upper management and i will get a statement generated by XX/XX/XXXX. 
XX/XX/XXXX Credit card services XXXX XXXX told me he was a supervisor he said i would not get a monthly statement in XXXX and he hung up the phone. I called back and spoke with XXXX a supervisor in XXXX XXXX she told me after reviewing the XX/XX/XXXX and XX/XX/XXXX call that i requested not to get a statement on XX/XX/XXXX ; that i requested statement be generated on XX/XX/XXXX. Now i an told i will not get a XXXX statement and there is nothing that can be done by anyone at Chase. I am told i can view my charges on line and it was suggested i compute the charges myself to XX/XX/XXXX and make payment if i want to have my monthly payment made. 
This absolute is not what i requested. 
I request a XXXX statement be generated with any date in XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I previously opened a dispute with XXXX XXXX regarding them showing that I was over 60 days late on two payments, one in XXXX of XXXX and one in XXXX of XXXX. This was incorrect as I have proof that I paid on time both months. I submitted this proof in a dispute and it was deemed accurate and the late payments were removed from my account. The following month however, XXXX XXXX replaced the late payments again. They've done this twice. Every time I prove the payments weren't made late its temporarily removed and then they're allowed to simply put the late payments back on my report the following month. It just keeps reappearing despite having the late payments removed multiple times.

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 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I previously opened a dispute with XXXX XXXX regarding them showing that I was over 60 days late on two payments, one in XXXX of XXXX and XXXX in XXXX of XXXX. This was incorrect as I have proof that I paid on time both months. I submitted this proof in a dispute and it was deemed accurate and the late payments were removed from my account. The following month however, XXXX XXXX replaced the late payments again. They've done this twice. Every time I prove the payments weren't made late its temporarily removed and then they're allowed to simply put the late payments back on my report the following month. It just keeps reappearing despite having the late payments removed multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Good morning, I had purchased tickets for a trip from XXXX on XX/XX/XXXX and received the confirmation email and e-tickets on the very same day. The flight was to depart on XX/XX/XXXX and come back XX/XX/XXXX, but the flight was cancelled by the airline and I was notified of this on XX/XX/XXXX. The next day, I called XXXX over twenty times, at which point the call would not go through. When I finally reached an agent, he simply hung up on me. On XX/XX/XXXX, I sent in a refund request through XXXX 's website. 

As they did not respond, I filed a dispute with Chase on XX/XX/XXXX, since that was the credit card I used to purchase these flights. They closed my dispute and re-billed the charges on XX/XX/XXXX. I requested to re-open the dispute and they requested that I provide documentation from XXXX and my statement through their Chase Secure Message system. 

Once I provided all the information, there was no response and upon calling them again, they said they did not receive this information despite the confirmation of receipt email sent to me. I have sent it again several times through their own Chase Secure Message system ( throughout the months of XXXX and XXXX ) and to an email provided to me by a supervisor upon escalating this issue again on XX/XX/XXXX but have not received a response. 

I am sorry for the long summary and any confusion. In short, I have tried to get these flights refunded through the airline and then through a dispute with Chase, but they have not been forthcoming. It is the US Dept of Transportation 's own policy so I had hoped this process would be smoother. 

Attached are all emails, cancellations, and billing screenshots as of XX/XX/XXXX. I was given Chase CLAIM # XXXX. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I was called by XXXX XXXX to collect a past auto debt from me and my mother who where on the original contract they said the original debtor Santander Consumer USA Inc. are settling for the amount owed of {$1600.00} and they would be able to set up arrangements with me to satisfy this debt. I paid it with my credit card XXXX XXXX in three payments {$200.00} on XX/XX/XXXX, {$250.00} XX/XX/XXXX and {$1200.00} on XX/XX/XXXX. After I had to call to ask for a paid in full letter because I didn't receive anything so they sent a docusign document via email so that we can sign it and return it. In sometime in either XXXX or XXXX I received a call from XXXX XXXX , XXXX also requesting the debt to be paid off, I advised I paid it off already to another company XXXX XXXX they asked who is that company as they have the proof that they have the original contract signed by me and my mother and proof that the original debtor Santander Consumer USA Inc. sold the loan to XXXX XXXX XXXX XXXX in XX/XX/XXXX and it remains the rightful property of XXXX XXXX XXXX XXXX they not only asked me to call the original debtor Santander Consumer USA Inc. to confirm that all of this information is correct in which it is, they have no clue who is XXXX XXXX and did their own research that this was a illegitimate company and that they only sold it to Cascade. I contacted XXXX XXXX and its unfortunately not resolved yet to return my payment after this scam, yet the last XXXX XXXX representative that was so helpful stated that he also feels they may be a scam company as they portray themselves online as a company called XXXX when searching XXXX XXXX and their address comes up with the XXXX and you can't get a hold of them and the address on the letter doesn't match anything or phone number, they haven't supplied any documentation like XXXX did showing who the original debtor was and the contract we originally signed. I will be making a police report to then resend everything to XXXX XXXX to request my hard earned working money returned that I paid to a scam company in which XXXX should be the ones paid off NOT Internal Solutions ( XXXX ). Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was sold an add on for XXXX XXXX in 2010 which the Bank has now informed that they are no longer selling. I have found that CFPB has an article describing my situation of this XXXX XXXX issue being declared an illegal action and has ordered the bank to correct the action of fraud. I have communicated with the bank and they informed they can only stop billing me and can return any of these charges. As described by the bank they were charging me for services that are already billed into my account. I was getting charged twice as a result. If it is required that I provide any documentation I will do so at your request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Solomon and Solomon, P.C.
State: MA

Complaint narrative:
During the month of XX/XX/XXXX, I reached out to XXXX XXXX regarding an outstanding debt in the amount of {$660.00}. The original creditor : XXXX XXXX  sold this debt to XXXX. XXXX informed me the debt was now being managed by Solomon and Solomon on behalf of XXXX. Once paid, Solomon and Solomon would process the payment, then contact XXXX to update the credit agencies to remove the negative item from my report. 

We negotiated an amount of {$370.00} to be paid no later than XX/XX/XXXX, please review the letter from Solomon & Solomon attached, dated XXXX. I made the payment online at www.solomonpayments.com on XX/XX/XXXX for {$370.00}. After several denied disputes with XXXX, I continued to contact both XXXX and Solomon who stated a payment was never made. Attached is the receipt and a copy of my bank statement showing a debit in the amount of {$370.00} processed on XX/XX/XXXX and the payment confirmation dated XX/XX/XXXX. 

Just recently, I received a letter from XXXX XXXX XXXX stating they were now managing the account for XXXX XXXX XXXX. Please see the attached letter. 
Again, I am requesting a letter showing I have paid per the agreement and this information be updated with the credit agencies as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I went on XXXX XXXX XX/XX/XXXX and ended up in the hospital till mid XXXX. Went on vacation in Florida XX/XX/XXXX thru the XXXX, after the management meeting i had with the time share resort I'm apart trying to get rid of the property since i'm no longer in good health or finance to keep it, my cell phone and wallet were stolen. i tried calling on a land line to claim it had been stolen but was told that i had to call from a number registered to my card. i don't have a land line only the cell phone that was stolen. I didn't have the things i needed to get a new phone with me. With my health and life getting in the way i was not able to get a new phone till XX/XX/XXXX of XXXX, by then the thief had used my phone to charge over XXXX to my bank of America card and various other credit cards. i called all of the companies and told them what had happened they took care of it right away. Bank of America on the other hand keeps saying I'm on the hook and it wasn't fraud. I am very sick and with covid 19 i have not been able to work i am a single a mother I can not pay XXXX for someone else using my card.

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