vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 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: CA

Complaint narrative:
Experian is intentionally reporting false balance information on my credit report despite my providing evidence demonstrating the patently false information. In addition, upon my filing a dispute over this, Experian closed the investigation not by correcting the error or removing the tradeline but instead allowing the account to be " updated '' to be re-aged as a new late payment. I have attached documentation. 

FALSE BALANCE INFORMATION I do not owe {$220.00} on XXXX. To explain, my XXXX account was disputed. Recently, XXXX settled under the lemon law by buying the financed vehicle back. This was done by re-paying me for the payments I made, less the cost of use. In other words, I was charged for the full amount of my use as part of the buy-back. Common sense and simple math dictate that I can not owe anything after the settlement check was calculated by reducing for the cost of my use of the vehicle. I filed a dispute with Experian and provided them the proof to support these assertions. 

RE-AGING After " investigating '' Experian closed the investigation by updating the reporting of the XXXX account to re-age it. Indeed, I learned of the re-aging because Experian sent me an alert that stated I had a " new '' late payment. I have attached this information. 
Instead of correcting the false balance information

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 2020-03-31 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: AZ

Complaint narrative:
Im demanding a Method of Verification into the investigation of the following accounts inwhich I disputed the fraudulent accounts inwhich was opened up without my knowledge or consent. I'm requesting the name and title of the employee inwhom worked on this, the time and date, and what physical documentation was received and how it was received inwhich tied me to these accounts. And if you or your companies can not provide this detailed information within 30 days then you and your companies shall remove and block the following accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.XXXX/ Dept of ED {$1200.00} 5. XXXX XXXX XXXX 1

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: AZ

Complaint narrative:
Im demanding a Method of Verification into the investigation of the following accounts inwhich I disputed the fraudulent accounts inwhich was opened up without my knowledge or consent. I'm requesting the name and title of the employee inwhom worked on this, the time and date, and what physical documentation was received and how it was received inwhich tied me to these accounts. And if you or your companies can not provide this detailed information within 30 days then you and your companies shall remove and block the following accounts. 

1. XXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.XXXX/ Dept of ED {$1200.00} 5. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: CA

Complaint narrative:
I filed a dispute on XX/XX/2020 regarding a new collection on my file. 
The reporting agency took less than 48 hours to investigate my dispute which leads any reasonable person to believe that my dispute was not properly handled. This account has been paid and closed for more than two years.

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 2020-03-31 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: TX

Complaint narrative:
The credit reporting agency is disregarding FCRA & is out of compliance. I have submitted requests for investigation on several accounts where I have not been provided verification of a debt. The company investigates the claim & validates the debt without proof of the debt provided to myself or proof that I have been provided validation per FCRA. 

accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: TX

Complaint narrative:
The credit reporting agency is disregarding FCRA & is out of compliance. I have submitted requests for investigation on several accounts where I have not been provided verification of a debt. The company investigates the claim & validates the debt without proof of the debt provided to myself or proof that I have been provided validation per FCRA. 

accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX many of these accounts would be over the maximum reporting according to texas law even if they were valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Reporting incorrect information on my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: Palmar, Inc.
State: CA

Complaint narrative:
I filed a dispute on XX/XX/2020 regarding a new collection on my file. 
The reporting agency took less than 48 hours to investigate my dispute which leads any reasonable person to believe that my dispute was not properly handled. This account has been paid and closed for more than two years.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-31 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: TX

Complaint narrative:
The credit reporting agency is disregarding FCRA & is out of compliance. I have submitted requests for investigation on several accounts where I have not been provided verification of a debt. The company investigates the claim & validates the debt without proof of the debt provided to myself or proof that I have been provided validation per FCRA. 

accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX many of these accounts would be over the maximum reporting according to texas law even if they were valid.

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 2020-03-31 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: IL

Complaint narrative:
Failed to correct existing issues

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 2020-03-31 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: VA

Complaint narrative:
i have asked experian for a couple of years for VALIDATION of a bankruptcy that is being reported on my credit report, after several disputes, they are still unable to provide the sufficient and accpetable VALIDATION that, I, The consumer are legally entitled to.They report back that the bankruptcy is VALIDATED and WILL REMAIN on my report. I recieved a letter from the court ( that i have attached ), that they are not the data furnisher of this information, and all my credit files are FROZEN, for any data furinishers, Please remove this illegal reporting,

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 2020-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: UT

Complaint narrative:
As recently as XX/XX/XXXX, I have requested several times since XXXX to have my PSLF qualifying payments reviewed by Myfedloan.org. The only response I received was in XX/XX/XXXX, saying that at that time I had 77 qualifying payments. I have been making payments since XX/XX/XXXX - which means currently I should have around 109 qualifying payments - and in XX/XX/XXXX I should have had approximately 97 payments - I have bank statements showing these payments were made, and have been at the same non-profit qualifying employer since XXXX. It looks that the review is still missing approximately 20 qualifying payments. I have asked to have this reviewed 3 times since XX/XX/XXXX and have yet to receive a response. I have asked that they please recalculate my qualifying payments, or send me a response explaining the discrepancy as to why there are 20 less payments than there should be. 

They're most recent response came at the end of XX/XX/XXXX, stating " Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. '' It has now been another 2 months with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 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:
Failed to correct existing issues

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 2020-03-31 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:
Failed to correct existing issues

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
The company which services my mortgage loan is Home Point Financial Corporation. I sent them my XXXX and XXXX mortgage payment in the amount of {$6000.00} in the form of cashier 's check on XX/XX/2020.  According to the copy of the cleared check I received from my bank, Home Point received and processed the payment on XX/XX/XXXX. The copy of the cleared check my bank sent me has Home Point Financial 's stamps on it. 
As of XX/XX/2020, they still did not credit the payment to my account in violation of RESPA and now is showing past due. Since XX/XX/2020, I've been calling them everyday. Customer service claim they don't know how my check disappeared and tell me they can't help me. I've also sent them numerous emails where I attached all the evidence that the payment was made and processed by them, without receiving any response. Every time I call they place me on hold for over 30 minutes, before I can even say something they keep telling me that my account is in default and they will start the foreclosure process. 
I've also sent them a notice of error which again they failed to acknowledge and respond in violation of RESPA. At this point I've exhausted all my sources to communicate with them and have a proper investigation conducted on my account. 
Their negligence in servicing my mortgage is causing my family and I unnecessary stress. I'm currently working in the front lines of COVID-19 as a XXXX  XXXX  and I really don't need additional worries that my family might not have a place to sleep due to some incompetent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$4600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.

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 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have closed my credit card account with Citibank ( the last four digits at XXXX ) and I have a credit balance on my account of {$290.00}. 

However, Citibank refuses to refund the credit balance back to me. 

I have called them, sent them letters, emails and had and online chat. 

However, citibank refuses still to refund my credit balance.

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 2020-03-31 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:
Equifax, XXXX and XXXX have failed to remove fraudulent accounts from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Aragon Collections was paid and agreed upon receipt of payment agreed upon cashing the money order to remove the debt from my credit files with the credit bureaus.

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 2020-03-31 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: CA

Complaint narrative:
I made a purchase for {$440.00}, I never received the order and merchant refunded me it. I received the refund of {$440.00}, then same day the refund hit my bank, the merchant rebilled me for {$440.00} and refuses to refund it without giving me a reason to why they recharged me. I now have 2 transactions for {$440.00}, the first one was refunded so I call Capital One to dispute THE SECOND charge of {$440.00}. First issue is, the employee who opened the dispute for me mistakenly credits me for only {$44.00} ( I have proof via letter stating " I am receiving a credit of {$44.00} for the charges being disputed of {$440.00} '' ). I have called multiple times to get the missing {$390.00} temporary credit that I was owed, and they finally issue it after a dozen phone calls over 2-3 weeks. A few days after the {$390.00} temporary credit was posted to my account, I got a transaction rebill for {$44.00} ( now my full {$440.00} temporary credit just went down to {$390.00} ) .... and agents couldn't tell me why I was being rebilled for the {$44.00}, and after speaking to two supervisors at the dispute team, they both suggested to just wait for the dispute outcome. Fast forward 2 weeks, I got rebilled for the remainder of {$390.00} AND {$440.00}.

Their outcome was the merchant already refunded me, but KEEP IN MIND, merchant only refunded me for the first transaction, not the second. However, Capital One is stating merchant issued a refund for the 2nd transaction I am disputing, when in fact they only issued a refund for the first transaction of {$440.00}. Now I have a purchase adjustment/transaction rebill for {$44.00}, {$390.00}, and {$440.00} totaling to {$880.00}. My {$440.00} dispute just turned into a {$880.00} XXXX storm, and I can't get a hold of the Capital One dispute because their hours are not 24/7 and the last 4 days I have called, I have been on hold for more than hour and can not stay on the phone for hours just to get an agent from disputes then explain the entire situation over. 

The snippet of my transactions attached shows XXXX XXXX only refunding me for the FIRST TRANSACTION not both the first and second transaction the agents are telling me over the phone. There is only ONE merchant credit in my account for {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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

Complaint narrative:
On XXXX XX/XX/XXXX, I brought four tickets leaving XXXX XX/XX/XXXX to XXXX XXXX from XXXX XXXX XXXX. I charged the purchase to my Capital One credit card. ( Enclosure 1 ). On XX/XX/XXXX, Capital One withdrew the money from my XXXX checking account. ( Enclosure 2 ). XXXX XXXX cancelled our flight due to the coronavirus. I tried to rebook on XXXX XXXX using my Capital One card but it was refused multiple times. I called them, and they said they suspected fraud so my account was restricted. I then used my XXXX credit card and rebooked my tickets on XXXX XXXX. ( Enclosure 3 ). XXXX XXXX REFUNDED my money for the tickets I bought with my Capital One credit card. ( Enclosure 4 ). This is where the problem begins I have lived in the XXXX since XXXX. My drivers license is from XXXX. Capital One informed me to un restrict my account I would need to get a state ID or State drivers license. Since I was going to America anyway I said okay. However, ALL flights have been suspended to U.S. so I will not be able to go there till next year as my daughter and son have to go back to school. Capital One informed me I would NOT be able to get my $ XXXX-dollar refund until I get a state ID. Even if I closed the account they said they would not be able to return my refund. That is the problem. 
Capital One sent me my card here in XXXX. The mailing address on the account is XXXX, XXXX XXXX. We receive our mail through the American Embassy in XXXX. ( Enclosure 5 ). I have a U.S. passport, a government retired ID card and a XXXX  drivers license. ( Enclosure 6 ). Also, I have the credit card in my possession. ( Enclosure 7 ). 
Capital One is worried about fraud on my account and I understand. However, I am asking them to put the money BACK into the same account they took it out of. How can that be fraud??? I paid them, the airlines paid them AGAIN. So they got paid TWICE!!! Putting the money BACK where they took it from is not fraud but FAIR. I can not wait 1 year while Capital One hold on to {$3000.00} dollars of my hard earned cash. 
So I am asking you to PLEASE help me get the money returned to THE SAME ACCOUNT IT WAS TAKEN OUT OF. Where is the fraud???

Company response to consumer: Closed with explanation