vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 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: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradeline listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX ACCOUNT NUMBER : 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 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
COVID-19 arrived. 

I wrote a nice letter to AMEX, in XXXX of 2020, requesting a 3-month forbearance of payments, interest, and late fees, on my Hilton Honors credit card. 

They are still charging my account for payments and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : [ XX/XX/2019 ] I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The XXXX XXXX account in the attachment was closed in XXXX of XXXX with a {$0.00} balance but, Equifax and XXXX  is reporting 3 late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX  has fixed the issue when I brought the inaccurate information to their attention, XXXX  and Equifax refuse to do so. I have contacted XXXX XXXX XXXX  several times about the issue and each time they told me that they made a mistake and told me that they would remove the lates, they just wanted me to file a dispute with the credit bureaus. I have filed several disputes and this issue is still not resolved. The inaccurate late payments continue to report. XXXX  has removed the late payments but, XXXX  and Equifax are still reporting this wrong information. I was never late! The account was closed and paid in FULL. NEVER LATE. Please remove the late payments from this account. I am at the end of my rope, I'm trying to buy a house and this inaccurate information is stopping me from being able to do so. Remove the late payments immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank
State: RI

Complaint narrative:
I applied for first progress XX/XX/XXXX, they immediately took the money out of bank account and I paid the XXXXrush fee to receive my card in 3 business days the application stated when my money clears I will receive my card I paid a total of {$210.00} and I would have XXXX on my card. Today XX/XX/XXXX I still have not received my card? But I will be paying interest on card I have never received or used due to this card it arriving in time I can not the company unless I write to them which will delay this process even more how am I ever going to resolve something without phone contact? I contacted my bank to see if I can dispute to get my money back and close the card I do not want at all now!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: CA

Complaint narrative:
I am having problems with Payday prepaid mastercharge illegally blocking my account. I won a case to have my boyfriend reassess for in home supportive services. I got back pay for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and part of XXXX. I got about XXXX XXXX in 15 supplemental pay checks FROM THE STATE OF CALIFORNIA. Couple of weeks later I withdrew XXXX on one day and XXXX another day. and bought a XXXX truck. XX/XX/XXXX. XX/XX/XXXX My credit card is declined. After spending an hour on hold I was told there was a discrepancy with my address and they asked me to provide proof. Understandable. Our place burned down XX/XX/18 and I used a friends address for mail while we were unsettled. XXXX XXXX XXXX XXXX XXXX. We subsequently rented a place XXXX XXXX XXXX XXXX. I did not change my address with PayPal prepaid master charge. In XXXX I asked for a replacement debit card for my online PayPal using the XXXX address. They asked and I provided them with an explanation. Then they refused to give me access to my money. XXXX XXXX ( XXXX ) demanded I explain the source of my XXXX cash deposit. If she is so XXXX  she can not tell the difference between direct deposits from the STATE OF CALIFORNIA and cash deposits she should not be working in a bank. The she ilegally asked me to justify my cash withdrawals. I withdrew XXXX one day and XXXX XXXX   a few days later ( I would give you dates but I can not access my online account ) I bought aXXXX truck. They demanded proof of how I spent my money before they would release my funds. I called you ( CFPB ) and was told legally they did not have a right to ask that and that I should look at the company policy. I did. Company policy says I can withdraw {$4900.00} a day. I was within company policy. I had to. provide a copy of the pink slip and Ca. DMV correspondence. This is extortion. I had to provide information I had no legal obligation to provide to get access to my funds. I wasted hours of my time on this. MY CIVIL RIGHT WERE TRAMPLED ON. I do not have to provide an explanation of how I spend my money to use it. XX/XX/XXXX I get access to my account. Yesterday I go to use my debit card and it its blocked again. I emailed XXXX XXXX to ask why my account was blocked again. She emailed me back saying I should call the customer service line and explain my spending. I went to XXXX XXXX and paid a vet bill. I do not have to justify my spending to access my money. I want my money and want monetary damages. I have spent hours on this unnecessarily. I have endured stress. THIS IS AN INFRINGEMENT ON MY CIVIL RIGHTS I SHOULD NOT NHAVE TO EXPLAIN MY SPENDING TO HAVE ACCESS TO MY MONEY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation

Complaint narrative:
My grievance is with PHH Mortgage ; they are responsible for servicing my mortgage. As such, they are supposed to provide me with monthly statements, year-end tax documents, escrow analysis statements and other information related to my mortgage. Unfortunately, their website, https : //www.mortgagequestions.com/ is not configured properly and can not be accessed from overseas. I am on a temporary work assignment and providing essential services overseas, but I still need to access information about my mortgage in the USA. 

Unfortunately this issue has been unresolved for over 6 months. I have called them several times to try to get this issue resolved, but their IT team has not been able to make their website accessible. They also will not mail documents overseas. Currently PHH Mortgage is completely unable to provide me with mortgage statements via any delivery method.

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 2020-05-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP
State: NJ

Complaint narrative:
I received my unemployment debit card from Key Bank five weeks ago, Key2benefits Card. I only used it once and forgot the PIN? From that moment I've never been able to use it again and Im completely locked out of the system! It won't let me reset my pin on the website, there is no live chat and they don't answer the phone, ever! Theyre holding my money hostage. Please see the million other of the same complaints on XXXX website

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: DE

Complaint narrative:
Debt collection was placed on my credit report. The debt is not mine. They called and when I asked to confirm the medical insurance account associated with the debt, the number dis not match my own. This is not surprising due to the fact that the time the original supposed debt was occurred I was still on my parent 's medical insurance and the only XXXX I had near the time was paid for by them, not me. If this is somehow a debt my father owed, he is dead, also I combed his records and no such debt existed. 

I have looked up the company the debt originated from and this collection agency and all signs point to this being a debt collection scam so I have no intention of contacting them as I feel they can not be trusted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Due to COVID-19 I have been in a fiscal channel. I have been doing what I can to improve my credit with the objective that I can move toward more resources. I am experiencing uncommon difficulty arriving at TransUnion and endeavoring to address certain information on my credit report. TransUnion has very poor correspondence, I didn't get any updates, nor are they supporting the information I am challenging. Due to the negligence of the credit bureaus I have not had the option to push ahead to quiet a part of the budgetary weight I've endured during the ongoing months. I sent correspondence on XX/XX/2020 and XX/XX/2020. I sent the letters that are joined underneath and gotten no reaction. I need to have these issues examined and settled as fast as could be expected under the circumstances.

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 2020-05-05 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: Westlake Services, LLC
State: FL

Complaint narrative:
I WANT TO REMOVE FRAUDULENT ACCOUNT OFF OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: MA

Complaint narrative:
Northstar Location company keeps calling myself, my son and my daughter about my other daughters debt. Informed the company to stop calling us about the debt and it is there job to find the person. Told them to not call anymore and they called again today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
deleted charge offs and update credit score

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 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
COVID-19 arrived. I wrote a nice letter to Capital One, in XXXX of 2020, requesting a 3-month forbearance of payments, interest, and late fees on my Quicksilver credit card. 

They are still charging my account for payments, interests, and late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hello - I was signed up for experian credit reporting as a result of a data breach, at the end of the free year i began being automatically billed by experian. I have repeatedly asked and emailed to have this service turned off but i keep getting billed for it. 
I first noticed the charges on my account in XXXX, I called on XX/XX/XXXX and was advised to also send an email, I also submitted an email that day and recieved verification of cancellation, I am still recieving these charges.

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 2020-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
at XXXX XXXX EST XX/XX/20 I called them at ( XXXX ) XXXX from my secondary line ( XXXX ). I spoke with a male who tried to advised me about the debt details over the phone. I requested Validation of the debt as i have never received written notice nor a phone call. The agent/representative began to become irate when i requested " Full validation '' saying that an " itemized bill '' is the same thing. I said if its the " same thing then i don't know what the big deal is when i request full validation from you since i never received written notice ''. The agent then stated " you know what? we're not doing this today '' and disconnected the call. Never obtaining my new address nor assisted me with my concerns/Validation 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 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
COVID-19 arrived. I wrote a nice letter to Barclays, in XXXX of 2020, requesting a 3-month forbearance of payments, interest, and late fees, on my Wyndham Visa credit card. 

They are still charging my account for payments, interest, and late fees.

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 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
During a XXXX  visit last XX/XX/XXXX, I applied for a XXXX XXXX  Financial Credit Card. I was approved with a credit limit of {$11000.00} and incurred {$2000.00} to be included in the 0 % interest promotion set to expire XX/XX/XXXX. Upon receipt of my first statement dated XX/XX/XXXX, I attempted to set up autopayments through Comenity Bank 's website ( the bank that issued my XXXX XXXX credit card ), but the site does not allow for auto  payments. As as result, I set up monthly payments from my checking account held at XXXX. These payments have been withdrawn from my account on the XXXX of every month since XXXX, XXXX. Last XX/XX/XXXX, I accessed the XXXX XXXX  website to inquire regarding COVID-19 assistance and discovered I had been incurring late and finance charges since XXXX, XXXX. This was quite the surprise since I have never received any further communications from XXXX XXXX  or Comenity Bank, much less a late or delinquent notice. Unbeknownst to me, my payments were arriving a mere 1-3 days late. I immediately called Comenity Bank and also initiated an investigation through XXXX. As a result of never having received any communication from them whatsoever, I requested these fees be removed from my account and ultimately from my credit reports. Attached are copies of my correspondence with Comenity. I believe applying these fees without any notice to me whatsoever yet reporting it to the credit bureaus constitutes unfair and deceptive business practices and violates the Fair Debt Collection Practices Act. I, therefore, seek your assistance in correcting this matter and obtaining a credit for the remaining fees incurred totaling {$180.00}. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SOUTHERN CASCADES FINANCE CORPORATION
State: TX

Complaint narrative:
I purchased a vehicle fro. XXXX XXXX XXXX in XXXX Texas on XX/XX/2020. I paid the XXXX $ down payment and signed a finance contract. 

XXXX came to make my payment and the finance company, Southern Cascades Fiance,  has decided to deny the contract and make me resubmit everything once again. 

I resigned another contract 2 weeks ago and now again, Southern Cascades Fiance, is  demanding more paystubs and documents related to my loan and threatening to come take my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I wrote written requests along with VERBAL requests to this company to cancel this policy last year. It is now that they are reporting to the credit bureaus with a balance. Unacceptable and FRAUD. 

THere is a fraud alert placed on my account and by no means did I have a policy with them that accrued a balance. I will attach a picture of my email.

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 2020-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
IRS deposited my stimulius check on XX/XX/20 it is now XX/XX/20 and it hasn't even showed up in my account. I have no way to get ahold of anyone and am left broke and relying on that money.

Company response to consumer: Closed with explanation