vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I contacted FCO debt collections to inform them that I have been negatively impacted by the current global health pandemic COVID-19. I informed them that I am currently out of work and I needed to renegotiate the payment plan that we have. I spoke with XXXX XXXX. Ms. XXXX refused to tell me what options I have. She stated that there was nothing she could do and that she was cancelling my payment plan. I did not request to have my payment plan cancelled. I asked her what is the minimum payment that I can make during this crisis. She refused to answer me. Ms XXXX then proceeded to tell me that I have until the XXXX until the cancellation, that I did not ask her to do, will show on my credit. I asked her if there was any other option. I reminded her that this is an event effecting everyone. I reminded her that I have not missed a payment and that I do not want to cancel my plan. I simply would like to modify it until the stay at home order is lifted. Ms. XXXX said there is nothing she could do and that she cancelled the payment plan. I did not request a payment plan cancellation. I simply needed a modification of my payment while we are going through this crisis. This is completely unacceptable behavior as I have not had any issue with paying my monthly agreement prior to the global health crisis. I attempted to contact FCO repeatedly following this phone call and left a number of messages letting them know that I would like to speak to someone regarding my debt. No one answered my phone call. No one returned my call. On XX/XX/XXXX, the date that Ms XXXX threatened would be the day she would add her change to my payment plan to my credit, I received a phone call from her about my debt. At this point she has forwarded the amount to my credit, although I did not request to cancel my payment plan. During the course of my original payment agreement Ms.XXXX  also contacted me at work which is against the FTC guidelines for debt collection. I would like to formally file a complaint against Fair Collections and Outsourcing, and XXXX XXXX, for cancelling my payment plan against my request, for refusing to answer my call following this abuse of power, for threatening me with negative credit reporting, and for harassing me by calling me at work. Ms XXXX has my number and I have been very good about keeping in communication with Ms XXXX and FCO. Therefore, there was no reason for her to contact me at work. Thank you.

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 2020-04-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX state that they have a Identify Theft Solutions Department on their website of https : XXXXXXXX I understand the pandemic situation right now, however, when I have contacted the general customer service team in the past week, I was then contacted days later by XXXX, in the Executive Response Unit. After being on the phone with her she only wanted me to hear what she had to say and would not listen to me thoroughly. She refused to let me speak to anyone else, and no matter our discussion, she would not correct the situation, nor would she transfer me to or let me speak with the credit review team or fraud area that I was requesting. The call continued in the same manner and she still refused and then disconnected the call. When I attempted to contact her back, she would not answer, I also sent another email, and she did not reply to it either. As discussed with her, I advised her I would be sending a complaint to the XXXX and the Consumer Financial Protection Bureau. She said that those complaints go to her office as well. This is a identity theft and fraud concern,. I want someone in that particular area of fraud or identity theft to contact me. Also, there is a phone number listed to contact the Fraud area at XXXX. After being on hold, someone not in the US answered and stated I had reached a checking/savings area. I explained I needed Retail Card Division. I then was transferred again and was on hold until someone else answered that was not in the US and I had reached the Commercial Bank Card area, I was then transferred again, and I reached Personal Bank Cards, then I was transferred again and I reached Commercial Retail Division, and was then transferred again to the Personal Retail Card division in which I am still on hold now and the call is now 3 hours and 8 minutes. I understand again the pandemic, however the representatives need to listen to the customer instead of being transferred all over the place and stress the first call resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: NY

Complaint narrative:
Im A victim Of identity theft experian after sending them my police report refused to Remove these fraudulent accounts Off my report Not Fair

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 2020-04-08 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: MS

Complaint narrative:
I have tried several disputes with the credit bureaus about late payments, and collection accounts on my credit report that is inaccurate or not mines. I have ask them to validate the accounts with written signatures stating that I own the accounts and they have fail to do so. 
The accounts are : XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX  XXXX XXXX Credit Card US Bankruptcy which I have never filed Bankruptcy.Filed in XXXX Collection account XXXX XXXX  which is not mine this fraudulent account was open in XXXX. 
XXXX XXXX  XXXX Open in XXXX balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Open in XXXX XXXX I have made several attempts on getting these account removed and nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: MS

Complaint narrative:
I have tried several disputes with the credit bureaus about late payments, and collection accounts on my credit report that is inaccurate or not mines. I have ask them to validate the accounts with written signatures stating that I own the accounts and they have fail to do so. 
The accounts are : XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX  XXXX XXXX Credit Card US Bankruptcy which I have never filed Bankruptcy.Filed in XXXX Collection account XXXX XXXX  which is not mine this fraudulent account was open in XXXX. 
XXXX XXXX  XXXX Open in XXXX balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Open in XXXX XXXX I have made several attempts on getting these account removed and nothing has happened.

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 2020-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cornerstone Holdings, Inc.
State: FL

Complaint narrative:
I have tried to communicate with both the debt collection agency and the medical group about my dispute regarding there inability to provide adequate notice of this debt. 

I am well aware of local and state consumer protection statutes and am asking the CFPB for assistance regarding the credit reporting of the above referenced account. Specifically, I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and the Alaska Unfair Trade Practices Act protect consumers against unfair collection practices and malicious persecution. 

I would like to point out that creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. 

For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information that was submitted is inaccurate and must be removed. 

In my communication from XX/XX/XXXX with this debt collection agency, they claimed that they spoke to me in XX/XX/XXXX and that I hung up on them. This is completely false. I have never spoke to this debt collection agency. 

Unless you have compelling evidence to prove otherwise, I demand that you immediately withdraw all negative credit reporting and delete this from my credit reports. Please be informed that I am a travel nurse and thus by the nature of my profession move every 3-6 months as a new assignment is made. I can virtually guarantee I can prove I was not residing at the address you claim to have mailed the initial dunning notice to. You are violating the law and I am documenting it. 

Should this item remain on my credit report and you refuse to remove it, I will have no choice but to file formal complaints with the Consumer Financial Protection Bureau and the California Department of Justice. I hope you cooperate with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: YES AUTO CREDIT
State: IN

Complaint narrative:
I submitted the no affect to your credit score form not giving them my date of birth or social security number and they managed to place multiple hard inquiries on my credit through multiple lenders.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: CA

Complaint narrative:
Checkr.com has listed that I was required to do XXXX  XXXX evaluation, but the XXXX, XXXX, and XXXX  agreed that I didn't need to do it. This is the first time I have seen it in a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, I have recently been laid off due to the COVID-19 Pandemic. I am no longer a college student and was working full time. My loans are now in forbearance which I'm grateful for. However, I was not aware that I had upcoming payments due and that I was coming out of grace period. This was due because I rarely use the email that is on file in which FedLoan sends those alerts. As a result of this, I was reported missing XXXX payments which dropped my score by more than 100 points. Once I discovered I was out of grace period I immediately got caught up on my payments and enrolled in autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/XXXX at approximately XXXX I reached out to Citi Credit Card. Made a payment to get my card under balance. The reason my card was over was negligence on the banks part of moving money and locking it up for 7-21 days from my checking to my credit card which was unauthorized and has been proven as per documentation submitted to this site previously. Earlier this year I was told that based on their error the account was suspended and that the credit card could not be used at all. So I cut it up, but still worked toward cleaning up the account. Later I was told that the other person shouldnt have told me that and that the card would be usable wants the investigation etc was complete, and the card was under the balance. I called today when the account was below balance and requested a card. I was told that I had to call the credit bureau and add my phone number to the account. The lady giving me this information couldnt tell me why I had to call or which credit bureau. I had to dig in to get why and which bureau to calm. As a best practice I informed her that I was recording. She went wild telling me their recording too and yelling back at me. Very unprofessional. In short. The credit bureau already had my phone number on file. No one wants to send me a card. I took the freeze off my credit in case that was the problem, but nothing. These people made some really bad mistakes and now when I call they do everything they can to send me in circles never really helping me.

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 2020-04-08 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: MD

Complaint narrative:
i recently pulled my credit report and noticed accounts & inquiries that did not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: NY

Complaint narrative:
To Whom It May Concern, I am currently looking at my credit score on XX/XX/XXXX and notice a few things still have not been removed as I was told they would be. Derogatory marks reported on XX/XX/XXXX would removed completely off my credit file and it is currently still showing. Any responsibility I had with them was validated. On Hard Inquiry It still shows from XXXX XXXX XXXX  XXXX on XX/XX/XXXX. ( This was fraud and was never authorized by me ) I have contacted the company multiple times to show me proof type of proof that I personally signed up or did business with there bank. They kept saying they would get back to me and now it's been well over 60 days which to my understanding of the fair credit act means it should come off since they have not provided any proof on this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: NY

Complaint narrative:
To Whom It May Concern, I am currently looking at my credit score on XX/XX/XXXX and notice a few things still have not been removed as I was told they would be. Derogatory marks reported on XX/XX/XXXX would removed completely off my credit file and it is currently still showing. Any responsibility I had with them was validated. On Hard Inquiry It still shows from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. ( This was fraud and was never authorized by me ) I have contacted the company multiple times to show me proof type of proof that I personally signed up or did business with there bank. They kept saying they would get back to me and now it's been well over 60 days which to my understanding of the fair credit act means it should come off since they have not provided any proof on this?

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 2020-04-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Yes a loan thew capital one and online checking uses of my SSI services overseas funding account transfers! Check out my XXXX  Credit report it is blocked from me getting into it. It has loan, credit, equity, auto, personal, credit of all kinds May want to check out my father 's,. But this is done by a organization .Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tennessee XXXX .My address 15 Years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08 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: HI

Complaint narrative:
I sent Experian a letter about this fraudulent account 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 non-monetary relief
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: ID

Complaint narrative:
My mortgage is through Citizens One Home loans and I recently have been laid off from work do to the Corona Virus ( which is out of my control ), I got in contact with my mortgage company to get details on what would or will happen to my account. I was told by one of the representatives their, that I can make my mortgage payments if I can or I can miss the payments up to 3-6  months but then they told me that at the end of the period they allow you to miss I would be responsible for all the payments I didn't make. When I asked if they had the deferral program they told me they do not have the program and that I would owe the outstanding amount for my home when I return to work all at once. I can not make these kinds of payments while on unemployment do to the lack of income based off of unemployment. This kind of action that this company is doing to people including myself puts way more stress and financial stress on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This complaint is in continuation of my previous complaint XXXX. The company Capital One did what they stated their resolution would be. However, they charged me another interest charge in the amount of {$33.00} on XX/XX/XXXX. When I called to inquire and participate in this bill postponing that they call " help our customers '', I was informed that this will not cause me to be billed any fees or interest charges. The fact is that I was. This is an interest charge that falls in the period of this helping thing they are doing with postponing the bill with one month and I was told I will not be billed any charges or fees. The fee that I was incorrectly billed was removed due to this error but this does not mean that they should charge interest charge at a later date, a date that my bill is not even due by. I would love to pay off the full balance once and for all and stop using them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: MS

Complaint narrative:
My debit card and my identity with all my private information was stolen and used to make several unauthorized ATM withdrawals and unauthorized Transactions during a 30 day span from XX/XX/XXXX thru XX/XX/XXXX starting with ATM withdrawal amount of {$62.00} {$2.00} another in amount of {$82.00} {$1.00} {$2.00} another in amount of {$2.00} {$1.00} {$1.00} XXXX {$1.00} another in the amount of {$42.00} {$1.00} {$1.00} {$1.00} another in amount of {$200.00} {$2.00} {$1.00} and another in amount of {$62.00} {$2.00} then there were merchant purchases on XX/XX/XXXX at XXXX XXXX XXXX in the amount of {$9.00} a disputed transaction at XXXX 's on XX/XX/XXXX amount of {$5.00} unauthorized transactions on XX/XX/XXXX at XXXX XXXX amount of {$8.00} XX/XX/XXXX at XXXX XXXX amount of {$10.00} XX/XX/XXXX at XXXX  amount of {$8.00} again XX/XX/XXXX {$6.00} XX/XX/XXXX amount of {$13.00} and again XX/XX/XXXX amount of {$5.00} XX/XX/XXXX at XXXX XXXXr amount of {$63.00} XX/XX/XXXX XXXX XXXX XXXX XXXX amount of {$6.00} and {$7.00} XXXX XXXX   amount of {$38.00} {$2.00} XX/XX/XXXX {$11.00} and {$5.00} XX/XX/XXXX at XXXX 's amount of {$21.00} XX/XX/XXXX {$8.00} and XXXX amount of {$110.00} XX/XX/XXXX XXXX XXXX  amount of {$32.00}

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 2020-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: SC

Complaint narrative:
I send an amount on XXXX XXXX to XXXX and the receiver didnt get the money. Also I can fin any customer support to talk with somebody.

Company response to consumer: Closed with explanation