vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
This account was settled XX/XX/2020, however my credit report is showing that I still owe a balance of {$800.00}. I have received a letter from Elan Financial Cardmember service verifying this and I am attaching it. 

My balance is XXXX. I have disputed this before but Elan Financial fraudulently claimed I still had a balance. They also agreed to correct this two months ago, but have not done so.

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 2020-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
My husband passed away on XX/XX/XXXX and I was unaware of a consolidation program with consolidation plus. My husband was working with freedom debt but I was unaware of the process and what was needed. I reached out to Freedom debt once my husband passed but they stated the process is with Consolidated debt whom I never heard of. My husband had been in out of the XXXX  since XX/XX/XXXX. He was on lots of XXXX XXXX for XXXX XXXX XXXX XXXX  as well as a XXXX XXXX. Now XXXX XXXX is still sending him bills and is not willing to close the account even though I provided his death certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
My former auto loan account Santander is being reported almost 10 years after the date of first delinquency and it should have been removed in XXXX. According to the FCRA the account is to remain on my account 7 years from the date of first delinquency. I requested an entire copy of my payment history from Santander. The account was first 30 days delinquent in XX/XX/XXXX which means the date of the removal from my credit report should have been XX/XX/XXXX. The company is only reporting from the year XXXX forward to the credit bureaus. I have attached a full payment history of the entire account from account opening in XXXX to account closing in XXXX for review. Your agent XXXX confirmed the date of first delinquency on XXXX with me via phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
In XXXX of last year I got insurance of my home. The mortgage company XXXX sent a check for the payment in amount of $ XXXXThe check never reached my insurance co.so I called XXXX and they issued another check which did get there. The first check went back into my escrow on XXXX XXXX. In XXXX my mortgage company was changed to Loancare . In XXXX of this year XXXX sent a request to Loancare for  {$1000.00} for an error in XXXX of XXXX. Loancare sent the money leaving my payment that was auto withdrawn for XXXX short. Which made my payment late because I did not learn until later that this money was taken. I have been calling so many times to find out what was going on. Each time I called I received different answers. I called today XX/XX/XXXX and XXXX told me that the money went back into my escrow on XXXX XXXX. They said they would never call another company for the money. Today Loancare said they did get the money. I don't know what is going on and would appreciate anything that you could do to help me resolve this issue.

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 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was settled XX/XX/2020, however my credit report is showing that I still owe a balance of {$800.00}. I have received a letter from XXXX XXXX Cardmember service verifying this and I am attaching it. 

My balance is XXXX. I have disputed this before but XXXX XXXX fraudulently claimed I still had a balance. They also agreed to correct this two months ago, but have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I paid my balance off in full and my available credit is only {$1.00}. Capital one refused to make my funds available when I have provided proof that the funds were withdrawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
First, I asked American Express to close three of my then 4 credit card accounts due to a separate dispute I had with them concerning a simple way to allow my girlfriend who is an authorized user on my account to take advance of the AMEX offers. Notwithstanding, after irritating me beyond reason, they closed 2 accounts correctly and then screwed up and closed my XXXX XXXX Preferred card # XXXX, and did not close my Hilton Honors card # XXXX. So after several phone calls the XXXX   finally closed the correct card Hilton Honors card but not before they made me go through all kinds of hoops to reopen the XXXX XXXX  Preferred card which was closed due to their negligence 100 %.

The problem now is my Hilton Honors card had a credit balance on it for {$280.00} which was supposed to go to my XXXX XXXX Preferred card which it has not. The customer service XXXX said it was supposed to credit within a few days and that was on XX/XX/2010. It has not posted yet as of XX/XX/XXXX which is the date of this complaint. 

Solution : I would like my credit to posted immediately for the {$280.00} they owe me and to be compensated an additional {$200.00} for my time, aggravation and stress they have caused. Otherwise, I will never use any of their cards again and proceed to expose online and throughout social media my story and opinion of the new sub normal American Express and how they treat and long time good paying customers. To this date I don't believe I have ever missed a payment in over 20 years and probably charged in excess of {$200000.00} during that time period. This is how they show appreciation? XXXX them. 

Thank you for your time and consideration with this matter. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
Repeated phone calls from different numbers and NEVER leave a voicemail, but whenever I call the numbers back whoever answers doesn't say a company name they just say they're on a recorded line. After looking to see what " debt '' they may be trying to collect I haven't had ANY accounts with companies listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
A debt collection company has been posting derogatory information regarding a claim that I dispute. They claim that I had not paid a {$150.00} bill to XXXX XXXX XXXX XXXX XXXX. 
I told them that I had two cancelled checks of that amount and if they would send me the details, then I seek to match a check and send them a copy. They have never sent me any information verifying the claim and, yet, they keep adding interest charges. It appears that they are delaying simply to extort more money from me by adding interest charges after their failure to provide the requested details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: VA

Complaint narrative:
My former auto loan account XXXX is being reported almost 10 years after the date of first delinquency and it should have been removed in XXXX. According to the FCRA the account is to remain on my account 7 years from the date of first delinquency. I requested an entire copy of my payment history from XXXX. The account was first 30 days delinquent in XX/XX/XXXX which means the date of the removal from my credit report should have been XX/XX/XXXX. The company is only reporting from the year XXXX forward to the credit bureaus. I have attached a full payment history of the entire account from account opening in XXXX to account closing in XXXX for review. Your agent XXXX confirmed the date of first delinquency on XXXX with me via phone.

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 2020-09-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My former auto loan account XXXX is being reported almost 10 years after the date of first delinquency and it should have been removed in XXXX. According to the FCRA the account is to remain on my account 7 years from the date of first delinquency. I requested an entire copy of my payment history from XXXX. The account was first 30 days delinquent in XX/XX/XXXX which means the date of the removal from my credit report should have been XX/XX/XXXX. The company is only reporting from the year XXXX forward to the credit bureaus. I have attached a full payment history of the entire account from account opening in XXXX to account closing in XXXX for review. Your agent XXXX confirmed the date of first delinquency on XXXX with me via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My former auto loan account XXXX is being reported almost 10 years after the date of first delinquency and it should have been removed in XXXX. According to the FCRA the account is to remain on my account 7 years from the date of first delinquency. I requested an entire copy of my payment history from XXXX. The account was first 30 days delinquent in XX/XX/XXXX which means the date of the removal from my credit report should have been XX/XX/XXXX. The company is only reporting from the year XXXX forward to the credit bureaus. I have attached a full payment history of the entire account from account opening in XXXX to account closing in XXXX for review. Your agent XXXX confirmed the date of first delinquency on XXXX with me via phone.

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 2020-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Palm Beach Credit Adjustors, Inc

Complaint narrative:
This debt is false. Firstly, I do not live in the US. While in America, I had to go to the ER to have something checked out, I have FULL insurance coverage for everything. I provided ALL of my insurance details to everyone I had contact with at the hospital, and afterwards when contacted. I did the same for my insurance company, and confirmed by all parties that all was taken care of. 

Now, almost a year later this company, whom I've had zero contact with, at all. Filed a negative mark on my permanent credit history. This is completely unacceptable, and an illegal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I have been forced into bankruptcy, to prevent foreclosure, twice after applying for a modification with my mortgage company and being denied. Last year, I applied for a modification and explained to my mortgage company I had a significant decrease in income. I provided all the documents, but kept being denied. After being notified by family that my home was listed online as a foreclosure, I contacted XXXX XXXX XXXX  for assistance. My counselor assisted me with completing and refiling the modification papers, but due to the foreclosure/sale date, I had to file bankruptcy again to stop the foreclosure. THEN, I was approved for a " 3 month trial period '' but my mortgage company sent the paperwork to my bankruptcy attorney 's PO BOX , instead of mailing them to me at my address, or the my attorney 's fiscal business address. When my attorney called me to come pick up the paperwork, I only had 2 days to have the final modification papers/documents sent back to my mortgage company. I did not have access to a fax machine, and even if I had paid for overnight postage with the Post Office, the documents would not arrive from Alabama to Texas by the due date. As a result, I took a picture of the documents with my cell phone and uploaded them to my email address. I emailed my mortgage company all of the paperwork, to the email address listed on the modification papers. They stated they NEVER received anything from me. I sent in verification of the date and time, the email was sent and that I did not get an error message or a notification that it was sent to an incorrect email address. They said it would be under review, and I would be notified. I never received an update. I later got a statement from the bankruptcy court that my mortgage company had filed to proceed with the foreclosure and they added additional bogus charges/fees for several inspections, attorney 's fees, and legal filings. I called my mortgage company again on Friday, XXXX XXXX, 2020 to ask for assistance on reapplying for a modification ( since my online account is deactivated due to my bankruptcy ). The customer service rep, stated I can not file for a modification and I would need to speak to someone named " XXXX. '' I asked who was XXXX, and was not given any information or any means to contact XXXX?? I called my bankruptcy attorney and asked what do I need to do. I explained I have been affected by COVID in XX/XX/2020 and XX/XX/2020. I used up all of my sick time, went on LWOP, plus I am the only one in the home that is working. My attorney advised me to try to refile for the modification because my mortgage company was the reason for me filing, and I can be released for bankruptcy if they approve a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect amount of XXXX dollars is being requested for payment as noted by equifax for fee amount and incorrect balance amount is being displayed. The correct amount for payment is {$30.00}, XXXX XXXX XXXX is supplying incorrect data to equifax reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently checked my credit report and saw that a 30 day late & 60 day late payment on my Visa card and a 30 day late payment on my Master card were placed on my credit bureau. I reached out to CapitalOne and indicated this was incorrect and that they never contacted me by phone or written correspondence. 

Following are the details : Capital One ( Visa card ) - 1 x 30 day late on XX/XX/XXXX and 1 x  60 day late on XX/XX/XXXX Capital One ( Master card ) - 1 x 30 day late on XX/XX/XXXX I requested CapitalOne to provide me with their documentation of the legal steps they took, as required by the FCRA, before reporting a negative rating on my bureau. They refused to provide me with the actions they took. 

I have never received any kind of communication from them regarding these late payments nor any information that they are going to report these remarks to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Contacted XXXX, since I am not able to get my credit report with them.

Initially they said they need proof of my identity so they request a fax with my drivers license and social security card. I did several times and received response they weren't able to verify my identity. 
Called again XXXX  and they confirmed they received the copy of my social security card, driver license and request of credit report but they just don't have a credit report for me. 

They said they created a report but the credit file is just empty, no accounts is been transmitted from my lenders. They asked me to contact my lenders to verify they are doing they job reporting the credit accounts. 

I contacted my lenders, Citibank ( 2 accounts ), XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX  and all lenders said the same : they are reporting to all major credit bureaus. 

Had to call XXXX  one more time and they required one more time to contact my lenders. The problem is that everytime I contact XXXX  they don't get anything done and change the situation, at the beginig they said it was a fraud alert, later they said it was a issue with my lenders and now they said is a problem from the XXXX  Buisness department??.

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 2020-09-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Contacted XXXX, since I am not able to get my credit report with them. 

Initially they said they need proof of my identity so they request a fax with my drivers license and social security card. I did several times and received response they weren't able to verify my identity. 
Called again XXXX and they confirmed they received the copy of my social security card, driver license and request of credit report but they just don't have a credit report for me. 

They said they created a report but the credit file is just empty, no accounts is been transmitted from my lenders. They asked me to contact my lenders to verify they are doing they job reporting the credit accounts. 

I contacted my lenders, XXXX ( 2 accounts ), XXXX XXXX, Bank of America and XXXX XXXX and all lenders said the same : they are reporting to all major credit bureaus. 

Had to call XXXX one more time and they required one more time to contact my lenders. The problem is that everytime I contact XXXX they don't get anything done and change the situation, at the beginig they said it was a fraud alert, later they said it was a issue with my lenders and now they said is a problem from the XXXX Buisness department??.

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 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
Hello - I had an original mortgage loan through XXXX bank. They merged with Chemical bank. When the merger was complete they deleted my login information. We had to create a new username. When I tried to create the username it asked for my loan # which they did not provide. My old loan number was changed. Getting through to their customer service is impossible. It took me 3 days and several hours. You wait on hold for over an hour and then you get disconnected or the representative puts you on hold and you get disconnected. 

Once I finally was able to login all I can do is pay my minimum payment. They will not give me information on what my loan balance is or what the interest rate is ( It's a variable rate ). I had visibility to all of this previously. When I called to ask why I could not access this information they put me on hold and then hung up on me. This is after waiting to get through for 2 hours on the phone. 

I have no idea if they are applying my payments, if they are changing my interest rate, etc. And it's impossible to get through to anyone. They don't respond to emails either. This is such a problem I'm looking into refinancing with another bank. Overall this is a very unethical bank.

Company response to consumer: Closed with explanation