vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions do I owe you guys any 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 2020-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: NC

Complaint narrative:
I had a house fire back in XXXX. I am with Mid America mortgage company based in Texas. I hired a contractor to do the repairs and so far he has only received one payment out of three requested from this Mortgage Company. My insurance company has paid out to this Mortgage Company all the funds for the repairs. But my contractor has been trying since XXXX to get a second and now a third draw for this money that is owed him. Now, since this mortgage company has not paid, my contractor has stopped working on my house. it has been 3 weeks with nothing further getting done. Last inspection put us at 95 % complete, but he can not finish because this bank will not pay him. Now my insurance company is saying that they no longer can keep me in my rental house past XXXX because ample enough time has been provided for repairs and the bank delaying payment is not a good enough excuse to continue rental lodging. So now we are going to have to find another place to live at our own expense because Mid America mortgage hasnt paid my {$65000.00} contractor in months. This is a really poor bank process and I do not know why they are delaying funds to my contractor. I don't know how else to complain about this to make them pay any help would be appreciated thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MD

Complaint narrative:
On XX/XX/2018 I was admitted to the emergency room. At the time of admittance I informed the Hospital and provider with my Maryland XXXX information. They subsequently billed XXXX for the services provided in the amount of n {$970.00}. However according to my XXXX XXXX XXXX, XXXX XXXX, the claim was submitted incorrectly by provider XXXX XXXX   and as such was not paid. 

Now Online Information Services on behalf of XXXX XXXX is attempting to collect this amount from me and have placed a negative entry on my credit file. Which legally I can not be billed for this amount due to their error in submitting the claim. 

I have called and written to Online Information Services repeatedly informing them of this and supplying them with documentation from the Maryland Health Department, verifying that I was covered by XXXX and that they can not come after me for this bill. 

Despite being informed of this on five separate occasions they will not close the account and continue to report it as Valid when I dispute it with the Credit Agencies. I have contacted XXXX XXXX and they have told me that they informed Online Information Services that this should not be an open account and again they refuse to remove the entry on my credit file. Which is damaging my score and hindering me in obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22 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: OH

Complaint narrative:
I have some inquires that I don't recognize on my credit report. please delete the following inquires XXXX XXXX XXXX XXXX, XXXX, XXXX. This is a 604 FCRA violation please delete these unauthorized inquires I have never applied for any accounts with these above-mentioned accounts or companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: OH

Complaint narrative:
I have some inquires that I don't recognize on my credit report. please delete the following inquires XXXX XXXX XXXX XXXX, XXXX, XXXX. This is a 604 FCRA violation please delete these unauthorized inquires I have never applied for any accounts with these above-mentioned accounts or companies.

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 2020-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: AZ

Complaint narrative:
THIS IS A COPY OF THE COMPLAINT I FILED WITH ELAN FINANCIAL SERVICES : This is a complaint : I first began using my card in XXXX I set up autopay to pay off my card for the first time onXX/XX/2020 for the balance due THE COMPLAINT : Fidelity user interface is OPAQUE! I had no idea there was a past balance due because the Fidelity user interface does not provide enough statement information, such as prior balance. It just shows the balance. 
I unknowingly believed I was paying the full amount on time. 
I received a past due amount notice and I called Elan Financial services three times to resolve problems. 1. Confirmed I would not be charged a late fee and confirmed my credit report would not be listed as paid late. 2. I immediately canceled the scheduled payment and entered a pay today payment XX/XX/20 for the full amount. 3. subsequently, my credit card was frozen, unbeknownst to me, and a bill I wanted to pay was rejected after I cleared up the payment problem with Elan Financial Services . 
The Fidelity User interface is extremely poor. So bad, that in fact I'm considering canceling this account completely. Elan Customer Service is good ; Fidelity Credit Card User interface is user unfriendly and lacks transparency that I thought was required by law on credit card billing web interface. No other solution than " this needs to be changed '' is acceptable. 

The Fidelity user interface MUST clearly show past amount due, or late balance. 

I will be filing an online complaint with the Consumer Financial Protection Bureau regarding this matter. 

You may contact me directly at XXXX for further consideration regarding this complaint. 

Sincerely, 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 2020-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
General issue : Am addressing a practice of some merchants/companies not offering consumers an auto payment plan for large purchases. This situation guarantees that bank/credit card companies will earn MUCH greater profits by assessing late fees from busy working consumers. The interest free teaser is neutralized by the assessed late fee with no auto payment option. My husband and I always set up auto payments on large purchases to avoid this situation ; we also have excellent credit scores. Buyer beware ; never assume auto payment option will be available when financing large purchases. The company we will avoid doing business with is Wayfair and their financing contractor,  Comenity.com   unless they offer auto payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: NV

Complaint narrative:
Equifax has not has not sent me my free report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, Most of my loans and credit card already paid full, however this information not changed for years. 
A company call me or send messages try solve my student loan debt what I never take. 
A company do request behind me for loan and after send me offers what I never requested!

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 2020-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I LOOKED ON MY CREDIT REPORT AND SAW A XXXX   BILL FOR {$1100.00} THIS IS NOT MY BILL. I WANT THIS BILL REMOVED FROM MY CREDIT. UNDER LAW THE CREDIT AGENCIES MUST SHOW PROOF THAT THIS IS 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 2020-08-22 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: PA

Complaint narrative:
I LOOKED AT MY CREDIT REPORT AND SAW A XXXX BILL. THIS ACCOUNT IS NOT MINE NOR DID I BENEFIT FROM THIS ACCOUNT IN ANYWAY.

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 2020-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: NY

Complaint narrative:
I opened a prepaid card I received several months ago as a gift for the first time ( personally removed the seal and removed from package ) and logged in to check the balance for the first time on XX/XX/2020. I then discovered that the card had been drained with a series of small transactions happening sequentially with one second intervals on XXXX in late XX/XX/2020. 

The card was issued by US Bank and I was instructed on the back of the card to log into mygiftcardsite.com to check the balance. The site claims that there is a 24 hour service center, but attempts to call simply get cut off instead of transferred to a customer service representative. The links on the website for assistance load blank PDFs. I can not speak to someone to report the theft and initiate an investigation despite assurances online that there is a 24 hour service center.

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 2020-08-22 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: Chime Financial Inc
State: FL

Complaint narrative:
Idk where to start but here goes I booked a trip with XXXX back in XX/XX/2019 and I made two payments in XXXX each for {$340.00} and then Covid19 came and bookit cancelled my trip on XXXX XXXX which I have the email so I filed a dispute with my bank as XXXX told me to after about 90 days I was denied my claim citing they didnt see any fault so I said I wasnt going to give up because nobody wants to lose any money so I filed a rebuttal which they claim it takes 45 days for them to respond now 45 days has come and gone as of XX/XX/XXXX Ive been calling them everyday and Ive been getting nowhere they said they did a escalation which takes 3 days that also has come and gone and then I talk to someone a week agai and that person said they would do a escalation as well now those 3 days also has come and gone its like now Im being totally ignored I just want my hard earned money back thats it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: PA

Complaint narrative:
I LOOKED AT MY CREDIT REPORT AND SAW A XXXX BILL. THIS ACCOUNT IS NOT MINE NOR DID I BENEFIT FROM THIS ACCOUNT IN ANYWAY.

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 2020-08-22 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: PA

Complaint narrative:
I LOOKED AT MY CREDIT REPORT AND SAW A XXXX BILL. THIS ACCOUNT IS NOT MINE NOR DID I BENEFIT FROM THIS ACCOUNT IN ANYWAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my current credit report for the month of XX/XX/2020. I noticed that Transunion is inaccurately reporting the following Inquiries without my consent. 

1 ) XXXX XXXX on XX/XX/2020, I did not give transunion permission to release my information to XXXX XXXX XXXX, This action is a violation of federal law Section 1681 of FCRA rules. 

2 ) XXXX XX/XX/2020, I did not give my consent for TransUnion to release my credit information to the company under the name XXXX, there was no permissible cause, no line of credit was awarded, no loan was awarded. This is a violation of federal law.

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 2020-08-22 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: GA

Complaint narrative:
To whom it may concern, I have filed several on line disputes with Transunion, XXXX and XXXX about a collector called XXXX XXXX XXXX. The account is not my account, and have requested that this information be removed on XX/XX/2020, XX/XX/2020 & XX/XX/2020 and on all times the agencies listed above did not respond correctly.

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 2020-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
have not gotton my free credit report with 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 non-monetary relief
Consumer complaint received 2020-08-22 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: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
On XXXX XXXX I disputed some delinquencies or late payments that where on my credit report to XXXX XXXX and XXXX   credit bureaus. I have been in a Chapter XXXX for four years they BSI Financial Services is the servicer of my mortgage and they have been reporting my mortgage payments to all three credit bureaus until I disputed the information that I felt that was inaccurate. The result of my dispute was that my credit report was red flagged and closed even though I have and open account with BSI Financial Services my FIOC score was in the 600 hundreds now is XXXX. I fell that this was retaliation for me disputing the delinquencies on my credit report and am also in a Chapter XXXX. Under the Bankruptcy Law 11 U.S.C Section 1328 states and I quote Debts not discharged in a chapter XXXX include certain long term obligations as home mortgages so it is not there right not to report my mortgage payments to the credit bureaus.I feel very strongly BSI Financial Services violated my rights under the Fair Credit Reporting Act.I would like for my credit report to be restored the way it was before I file any dispute and that BSI Financial Services remove the Chapter XXXX from my credit report my account number with BSI is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
My mortgage loan application ( refinance from a reverse mortgage ) was canceled by XXXX XXXX ( ML Processor ) at US Bank in XXXX, KY after a XXXX XXXX month proces on XXXX XX/XX/XXXX. Her boss is XXXX XXXX. There were several reasons given. Once being I refused to give them access to my Reverse Mortgage history. That is completely inaccurate, as a reverse mortgage does not by law have to report to any credit agency because there is no payment history. 
Second reason given was the debit to income ratio was too high. I have been furloughed from my job as a school crossing guard due to COVID 19 since XX/XX/XXXX. I have received unemployment since then. They stated that income can't be used. 
Both of these mortgage processors knew that from the beginning and yet they put me through 2 1/2 months of delays. 
My complaint is the {$390.00} application fee has never been refunded. I spoke to a XXXX XXXX ( supervisor ) on XXXX XX/XX/XXXX at the XXXX, KY location and was advised she would contact the sales dept. After several emails to various loan processors, I have not received a refund. 
This was a long and arduous process which I ended up explaining to all how a Reverse Mortgage works.

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 monetary relief
Consumer complaint received 2020-08-22 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: CORELOGIC INC
State: NM

Complaint narrative:
I did not apply for a house and Credco ran my credit without consent.

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 2020-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
Around XXXX or XX/XX/XXXX, a debt showed up on my account for an apartment building called XXXX XXXX XXXX XXXX in the amount of {$2200.00}. I have contacted and spoke to the manager of the debt collection company " Professional Debt Mediation ''. Her name is XXXX XXXX ( email : XXXX ). I sent her all the documentation I was asked to send to her and still this fraudulent collection is on my credit report. 

I have LIVED in a house that I have a mortgage on since XX/XX/XXXX. I have not lived anywhere else. Ever since the XXXX breach in XXXX, I have been a victim of identity theft! Many other apartment buildings where all disputed and removed from my report. But this company is not cooperating. I emailed them back in XXXX or XXXX of this year and still have not heard back. 

This collection is ruining my credit and my financial life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: GA

Complaint narrative:
To whom it may concern, I have filed several on line disputes with XXXX, Equifax and XXXX about a collector called XXXX XXXX XXXX. The account is not my account, and have requested that this information be removed on XX/XX/2020, XX/XX/2020 & XX/XX/2020 and on all times the agencies listed above did not respond correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase has decided to reduce my credit limit on two of my credit cards with them. This has now caused my available balance to show 95 % whereas prior I still had $ XXXX in available credit. This will cause my credit to tank while I am trying to refinance my house in order to take advantage of the lower rates and pay off the higher interest rate credit cards ( specifically Chase ). I dont see how they can ethically do something like this, especially during times like these. 

I pay at least the minimum due on the due date.

Company response to consumer: Closed with explanation