vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
RE : XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX : Flagged for Collections MIDLAND CREDIT MANAGEM Account XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After BeforeClose MIDLAND CREDIT MANAGEMEN Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1200.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1200.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comment ; Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX. 



XXXX XXXX and XXXX everyday don't verify information, ignore laws and debt buyers like, Midland Credit Management flag account as collections, drops my score by 2 points, uses robo callers to harass me, and threatens retaliation. XXXX  is dropping my credit score, every single day, not even 4 hours after I dispute something or add a personal statement, since Covid-19 pandemic started, causing for companies like XXXX not approve loans for my small business. Creditors, Credit Collectors, Credit Buyers, and Credit Bureaus are abusing Fair Debt Collections on a daily basis. My credit score dropped over 300 points, and continues to do so. All of the above ignored the Covid-19 Consumer Protection Act, harassing frontline healthcare workers such as myself, calling during working hours, saying that there's no way to add your times of work and they can call you any time any day even if you are a healthcare worker. The pandemic does not matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My last credit report from all three agencies is dated XX/XX/XXXX. As usual, shortly after XX/XX/XXXX I send all required documentation that identify my identity to all three credit reporting agencies. I never receive a report. I understand we were at the beginning of the pandemic. I wonder : What happened to that mail piece with lots of identity data? 
How do I know that if I send my identity information again I'll get my reports? 

I am just a financially responsible individual that like to keep my credit database correct as is my responsibility. Credit agencies will add to our record anything that smell, look and might sound like belongs to us without any responsibility. Credit agencies only respond to financial institutions that pay and finance to some extent credit reporting. I understand and accept that fact. 

Please provide an answer to both questions at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My last credit report from all three agencies is dated XX/XX/XXXX. As usual, shortly after XX/XX/XXXX I send all required documentation that identify my identity to all three credit reporting agencies. I never receive a report. I understand we were at the beginning of the pandemic. I wonder : What happened to that mail piece with lots of identity data? 
How do I know that if I send my identity information again I'll get my reports? 

I am just a financially responsible individual that like to keep my credit database correct as is my responsibility. Credit agencies will add to our record anything that smell, look and might sound like belongs to us without any responsibility. Credit agencies only respond to financial institutions that pay and finance to some extent credit reporting. I understand and accept that fact. 

Please provide an answer to both questions at your earliest convenience.

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 2021-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
My PayPal account listed under my email address XXXX received three deposits from mine and my fiancs Federal XXXX on XX/XX/XXXX which put my credit balance at {$2700.00}. I was told by PayPal that they would hold my money for 180 days to make sure the deposits were legitimate! They were supposed to email me after the 180 day hold to advise me that my money was available, but never did. I attempted to transfer the funds to another bank account since XX/XX/XXXX only to learn through a call to their customer service that they had to investigate where the funds came from! I told them it has been over eight months that they have held my money and I wanted it! They then put a freeze on my account and refuse to give me my money. The money is obviously legitimate as they have sat in my account for over eight months and no one has tried to reverse the deposit! I want my money plus interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: CBC Companies, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I mailed letter to XXXX requesting that an account be verified that was reporting to XXXX XXXX XXXX, and innovis. On XX/XX/XXXX XXXX sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called XXXX and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because XXXX found it to be unverifiable. I have never received any response from XXXXXXXX XXXX XXXX XXXX, or Innovis regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo arbitrarily decided to close all Lines of Personal credit as of XX/XX/XXXX, with minimal notice and without offering any options besides " Apply for one of our other credit cards. '' However, after multiple attempts online and in the bank with a personal banker, I was repeatedly turned down. I've been a Wells customer since XXXX, keep an average balance of $ XXXX month-to-month, and have had this Line of Credit for 10 years. I was XXXX and on XXXX over 4 years ago, and did have some problems that impacted my credit score, but it will be several more years before that stops negatively impacting my credit score. The Line of Credit represents over half of my current total credit limit, and having it disappear will make my credit score much worse, and take longer to recover. Over the last 3+ years I prioritized my obligations to Wells paying thousands in interest and fees, never missing or being late with a payment, and now have XXXX outstanding debt with them. It's wrong that I have made considerable effort in good faith to honor my obligations to Wells, and they can arbitrarily pull the rug out from under me, create big problems for me, and offer nothing to offset the impact their actions have on me. The only other credit options currently available to me are very low quality and expensive.

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 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express is correctly reporting my account status. My account is update and has been 2019. Ive made a payment arrangement since 2019 with American Express and they are not reporting my account correctly. My account ending in XXXX. Ive been making my court order of {$100.00} as request with the judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group
State: IL

Complaint narrative:
I received a statement from the school outlining aid received. On the statement one of the loans indicated an lgl ( loan guaranteed loan ) The other a guaranteed student loan. Also XXXX XXXX XXXX and Federal Pell grant. Noticed on the Federal student aid Pell grants are not showing for this school. Did some research USA funds were a short term lender ( last resort ) the school issued XXXX normally. That would explain why family members and next door neighbors were getting calls from USA funds to help guarantee a loan. Don't know how an lgl can result in a Federal stafford loan. USA funds put in my financial aid record that the loans were not going to be subsidized. Eventually they got some third party person as to what was disclosed to me to guarantee the loans. This too must failed and the loans became XXXX XXXX subsidize loans however no one could locate a subsidy. When I contacted federal student aid they said if I were 8issued a Pell it would show up. I believe my pell was used to guarantee those loans. Received an incomplete response of copies of letter sent to the Department of Education debt resolutions as outline in previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX stole my identity information and used it to open credit cards and get an apartment using my social and name. He did it all online. Police report made and submitted to all creditors he opened fraudulent accounts with 2 removed all fraud information from my reports. JP Morgan Chase refuses to remove even after being contacted by the Sheriff 's office confirming identity theft by XXXX XXXX. XXXX XXXX produced bank statements in a lawsuit showing that he used his account to pay for the cards that he fraudulently opened in my name. XXXX XXXX XXXX and XXXX also refused to remove the fraud information from my credit reports trying to collect a judgment that I have no knowledge of for a property I have never lived at. I have produced the proof to them of the fraud numerous times showing XXXX XXXX and his girlfriend XXXX XXXX stole and used my personal identity information online. I have demanded prosecution of XXXX XXXX provided his addresses social and date of birth and agreed to fully cooperate in his prosecution but they reuse to do anything and refuse to remove from my credit report. I have never been served any documents for any of these creditors and they have assisted XXXX XXXX in destroying my perfect credit. I am a highly decorated XXXX XXXX and I demanding justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: MO

Complaint narrative:
On XX/XX/XXXX, I mailed letter to XXXX requesting that an account be verified that was reporting to XXXX XXXX, Equifax, and XXXX. On XX/XX/XXXX XXXX sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called XXXX and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because XXXX found it to be unverifiable. I have never received any response from XXXXXXXX XXXX, Equifax, XXXX, or XXXX regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: MO

Complaint narrative:
On XX/XX/XXXX, I mailed letter to XXXX requesting that an account be verified that was reporting to XXXX, Experian, XXXX, and XXXX. On XX/XX/XXXX XXXX sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called XXXX and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because XXXX found it to be unverifiable. I have never received any response from XXXX, XXXX, XXXX, Experian, or XXXX regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.

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 2021-07-11 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: MO

Complaint narrative:
On XX/XX/XXXX, I mailed letter to XXXX requesting that an account be verified that was reporting to Transunion, XXXX XXXX and XXXX. On XX/XX/XXXX XXXX sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called XXXX and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because XXXX found it to be unverifiable. I have never received any response from XXXX, TransUnion, XXXX XXXX or XXXX regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.

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 2021-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
AGAIN IM ON HERE DOING COMPLAINT AFTER COMPLAINT ABD IT DOES NOTHING. THIS GROUP WONT GET OUT OF MY PHONE AND LEAVE ME ALONE!!! PREVENTING ME FROM REACHING MY OWN FAMILY IN XXXX TO TRY AND FIND A PLACE TO STAY AND BECAUSE MY SIS IS A FORMER XXXX XXXX WITH A HUSBAND A XXXX XXXX THEYNOT ONLY PREVENT PICS FROM GOING THROUGH, NOTHE WHOLE MESSAGE! AND DONT THINK THIS IS ISOLATED INCIDENT WHERE YOU CAN SCAPEGOAT BY SAYING IM CRAZY CFPB! WE AS HOMEOWNERS ARENOT XXXX!!! THEY BEEN DOIN THIS ALL ALONG TO ALL OF US! ITS WHY YOU NEVER HEAR DROM US!!! THE OBSTACLE COURSE A HOMEOWNER HAS TO NAVIGATE JUST TO EVEN TRY AND REPORT ANYYHING TO ANY AGENCY THAT GIVES A XXXX YET FIND LEGAL REPRESENTATION FOR THE XXXX XXXX XXXX XXXX  IS JUST SAD AND BORDERS ON CORRUPTION! THERRS NO DENYING LOGIC. AN INDUSTRY PROVEN TO RAMPANT WITH FRAUD YEY HARDLY EVER REPORTING OF IT BY HOMEOWNERS. WOW, I GUESS JOB WELL DONE AGAIN. YET RHE CFPB KNOWS THAT IS 100 % WRONG! WERE HERE! WERE BEING SUBJECTED TO ALL KINDS OF FRAUD AND DAMIGING METHODS ON THEIR EFFORT TO COVER UP ABD YOU SIT THERE AND PAT YOUSELF ON THE BACK. ONCE AGAIN A FAILURE TO ALL HOMEOWNERS NATION WIDE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: NJ

Complaint narrative:
Ive been a victim of identity theft

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 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Ive been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
The credit card in question has a monthly billing period that ends on the XXXX of each month. For the bill ending XX/XX/2021, I underpaid the bill by XXXX due to my miscalculation. I always try to pay all credit card bills for purchased made up to the end of the month in which the billing period ends, and in this case, my spreadsheet had a summation error. 
The next billing period, ending XX/XX/2021, stated a New Balance total of XXXX. This total included the Previous Balance of the XX/XX/XXXX billing, the payment made for the bill ending XX/XX/XXXX, merchandize Purchases incurred from XX/XX/XXXX - XX/XX/2021, return credits of XXXX during that same period, and an interest charge of XXXX because of the unpaid balance from the XX/XX/2021 billing. I paid {$1800.00} against this bill on XX/XX/2021. I assumed that my payment of {$1800.00}, an overpayment to the New Balance of XXXX, would cover all obligations due Bank of America. After contacting their Customer Service, I found I was wrong. 
Interest continued to accrue until my {$1800.00} payment was posted on XX/XX/2021 Return credits of XXXX during that period were not applied against the underpayment amount from the last period The next billing period ending XX/XX/2021, has a New Balance total of XXXX. This includes the Previous Balance from the XX/XX/XXXX billing, my payment of XXXX, merchandize charges incurred from XX/XX/XXXX to XX/XX/2021, return credits of XXXX for that same period, and an Interest Charge of XXXX. This interest charge was calculated for the period XX/XX/2021 through XX/XX/2021, the date of last month 's billing period payment. 
Thus, the total interest charge for the XXXX underpayment I made for the period ending XX/XX/2021 incurred {$27.00} in interest charges by XX/XX/2021. $ XXXX days of accruing interest = {$0.00} interest charges per day charged to my credit card account. If I never paid enough against my account to eliminate the {$150.00} underpayment amount, or some portion thereof, by the end of one year I would have paid {$0.00} X 365 days = {$190.00} on a principle of {$150.00}. I declare four issues : 1. On no statement was it stated what discrete amount would incur how much interest charge per day unless paid off by a stated date.

2.. Merchandize return amounts do not reduce underpayment amounts for credit card purchases even if the merchandize return is done after the day of purchase.

3. This seems to be an advantageous non-transparency about interest charge liability to the consumer 4. The interest itself constitutes an unfair financial burden to the consumer.

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