vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 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: FL

Complaint narrative:
I have maintained a 100 % perfect payment record of timely, on time payments for over 7 years with XXXX XXXX XXXX  ( XXXX ), based in Florida. 

In XXXX, I learned of a very sick family member who had traveled overseas and ultimately was found to have been afflicted with the XXXX XXXX. 

During the time I was caring for them, on XX/XX/XXXX I closed on my home sale thereby paying off my HELOC with XXXX. 

I recently discovered through my credit report monitoring that XXXX destroyed my FICO score and lowered it by almost 140 points by reporting a single late 30 day payment!! 

This payment related to when I was caring for my deathly ill relative and in the midst of my home closing transition. I called the XXXX XXXX XXXX XXXX number to politely ask them to remove the adverse credit mark due to these highly extenuating circumstances. 

I then was referred to another office who was responsive but ultimately spoke to the " powers that be '' and said that " since they get audited all the time, they could not make this adjustment for me, unless it was exclusively a bank error. '' Given my 7 year unblemished payment history and that I was involved in caring for a XXXX   victim and was advised improperly that there was no need to make the last payment as it would be adjusted on the final settlement statement when I had called them in XXXX, it is HIGHLY UNSCRUPULOUS AND AN UNFAIR BUSINESS PRACTICE TO maintain this negative mark on my credit during these troubled times and unfortunate circumstances. 

I am hopeful that you can rectify this matter with XXXX promptly before me taking the next steps and involving the news media as well as the District Attorneys 's office and my local Senator. Thank you in advance for your attention.

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 2020-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
While checking my credit report I noticed Medical Data Systems has a negative remark on my reports stating that I owe a medical debt that I do not recognize. One entry was XXXX XXXX XXXX. I have never used that facility for service. This unverified information has caused a tremendous amount of stress and I plan to hire a credit protection lawyer to look into the matter.

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 2020-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
I received a letter from attorney firm representing a collection agency trying to intimidate me into volunteering my personal financial information over to them as a means to collect on this debt, which also implied they would take action against my home if I did not reply. Followed by that letter was another letter stating the debt.

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 2020-03-27 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital one/XXXX XXXX XXXX, I have 3 CapitalOne credit cards, all were set up for electronic payments for the due date that was required for payment. I noticed on my credit bureau, which I monitor regularly that I was showing a late payment for the card mentioned above. I immediately called the credit card company to find out what was wrong. They stated that they had changed providers, and delayed the EFT. Of no fault of my own. They admitted that this had happened to many customers and that they would take care of it. I intentionally set up electronic withdraw, so this would not happen. If you look at my credit, I do not miss payments on any of my cards, XXXX, XXXX, etc.. or any other lender that I have. This occurred XX/XX/2019 and I have been attempting to correct this every since. I would prefer to cancel this card, but feel trapped until I get this resolved. Any help that you can provide would be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have requested via telephone I have requested via letter I have requested via the cfpb portal the following THE NAME OF THE CREDITOR WHO REPORTED ON MY PERSONAL CREDIT REPORT IN 2019 and due diligence in the reported fraud address on my personal credit in my name of XXXX XXXX XXXX by unknown entity of XXXX XXXX XXXX XXXX Virginia to the the CFPB FTC AND USDEPT OF JUSTICE and Experian and XXXX  and XXXX. I HAVE CONTINUED TO REQUEST THE NAME OF THE CREDITOR ... AND THE ADDRESS AND THEIR PHONE NUMBER ... WHO REPORTED THIS ADDRESS..AS I AM ENTITLED TO REQUEST UNDER THE LAWS OF THE FCRA ACT and others. EXPERIAN XXXX  XXXX  FAX ME THE NAME OF THIS CREDITOR IMMEDIATELY. 
so my civil rights do not continue to be denied. My fax number to fax this info to is only XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
I called Fay Servicing , LLC. who is my Mortgage Company. Due to the current state of the Covid-19 virus, and since I'm in XX/XX/XXXX in XXXX Pa and all non-life Essential business are closed, I asked that they please defer my mortgage account for a few months until things picked up for me. I am current with my payments. They said they couldn't help me. This is absurd. My sister in-law works for a XXXX XXXX and they are deferring customers due to this crisis. I think this is XXXX. that they can't help me out during this crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
To Whom It XXXX Concern, We are a 100 % federally legal and compliant XXXX XXXX XXXX XXXX, who formed in XXXX of XXXX, and have been conducting business online since XXXX. We set up our website via XXXX, and chose PayPal as our payment processor. The name of our company is XXXX XXXX XXXX, and that name appears on the EID paperwork that PayPal asked us to provide to confirm the account. Prior to them freezing our account due to their false accusations that we have violated their XXXX XXXX policy they processed our first 20 payments. After accepting the last 2 payments they placed a hold on our account. 

Before this hold, we had spoken with PayPals customer support management team on several occasions and not once was anything brought up about our products violating any company policy they had in place. If they felt our company violated any such policies, they could have informed us that they consider XXXX  to be a XXXX XXXX instead of the legal XXXX XXXX that it is. Had they done so, we would have sought out a different processor to handle our needs. 

Per our lawyers guidance, we sell XXXX XXXX to 48 of the 50 United States. Since the passage of the 2018 Farm Bill Act, XXXX is now considered 100 % federally legal so long as it remains compliant under XXXX XXXX XXXX. 

This account freeze comes at a crucial time, right when the XXXX  season is picking up and farmers are starting to purchase the XXXX  they plan on XXXX  this year. Any holdup hinders our abilities to help them have a successful season. It also hinders our companys ability to succeed and thrive in our first and hardest year. 

On top of this, we are now facing the COVID-19 pandemic. We would normally have no trouble weathering this situation since we are able to operate out of our private quarters, with minimal outside contact. Now we will be forced to go out in public, risking our own health and wellness, so that we can pay cash and ship at the Post Office. We will have to pay out of pocket to ship these orders since PayPal has seized our funds, including payments for shipping. 

This issue has caused us to work several extra hours contacting groups such as yours and many others in an attempt to find a resolution. PayPal is essentially halting our business until we can locate another payment processor. In other words, we are struggling to stay afloat. 

We thank you for your time and efforts and anything you can do to help us in resolving this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX We are attaching multiple screenshots of our PayPal accounts status, a letter to PayPal and our XXXX dashboard showing payments that were accepted and held. 

And here is a video link showing that our business documents were accepted : https : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: AL

Complaint narrative:
While checking my credit report I noticed Waypoint Resource Group has a negative remark on my reports stating that I owe a debt that I do not recognize. One entry was for 11 XXXX XXXX XXXX, and from my understanding that is a cable company. I have never used that company for cable service. I have never had cable service. This unverified information has caused a tremendous amount of stress and I plan to hire a credit protection lawyer to look into the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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:
Hello ; I need help. I submitted various proof requesting the originals creditors request to remove items off of my credit report. 

I submitted these documents via email with return receipt. These items still remain showing incorrectly on my report. Equifax reported doing an investigation. I submitted various companies letters and they have yet to correct the problem. 

Please assist. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
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. 

-- INSTALLMENT LOAN -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have requested via telephone I have requested via letter I have requested via the cfpb portal the following THE NAME OF THE CREDITOR WHO REPORTED ON MY PERSONAL CREDIT REPORT IN 2019 and due diligence in the reported fraud address on my personal credit in my name of XXXX XXXX XXXX by unknown entity of XXXX XXXX XXXX XXXX Virginia to the the CFPB FTC AND USDEPT OF JUSTICE and XXXX  and Transunion and XXXX. I HAVE CONTINUED TO REQUEST THE NAME OF THE CREDITOR ... AND THE ADDRESS AND THEIR PHONE NUMBER ... WHO REPORTED THIS ADDRESS..AS I AM ENTITLED TO REQUEST UNDER THE LAWS OF THE FCRA ACT and others. XXXX   TRANSUNION XXXX  FAX ME THE NAME OF THIS CREDITOR IMMEDIATELY. 
so my civil rights do not continue to be denied. My fax number to fax this info to is only 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 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have requested via telephone I have requested via letter I have requested via the cfpb portal the following THE NAME OF THE CREDITOR WHO REPORTED ON MY PERSONAL CREDIT REPORT IN 2019 and due diligence in the reported fraud address on my personal credit in my name of XXXX XXXX XXXX by unknown entity of XXXX XXXX XXXX XXXX Virginia to the the CFPB FTC AND USDEPT OF JUSTICE and XXXX  and XXXX  and Equifax. I HAVE CONTINUED TO REQUEST THE NAME OF THE CREDITOR ... AND THE ADDRESS AND THEIR PHONE NUMBER ... WHO REPORTED THIS ADDRESS..AS I AM ENTITLED TO REQUEST UNDER THE LAWS OF THE FCRA ACT and others. XXXX  XXXX  EQUIFAX FAX ME THE NAME OF THIS CREDITOR IMMEDIATELY. 
so my civil rights do not continue to be denied. My fax number to fax this info to is only XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received a letter from attorney firm representing a collection agency trying to intimidate me into volunteering my personal financial information over to them as a means to collect on this debt, which also implied they would take action against my home if I did not reply. Followed by that letter was another letter stating the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 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: NY

Complaint narrative:
Today XX/XX/2020 I received an email alert that an account has been reported as delinquent. I am on a program with XXXX  credit card for 3 months. I have made my payment in the amount of {$180.00} to enter into the program I was also told this account would not be reported as delinquent to the credit reporting agencies but it was which caused my credit score to drop. I was offered this program due to my temporary financial situation due to this pandemic that is going on right now. I anticipate this account will be up to date being in the program they offered. I am upset that it is reported when I specifically asked if it will be I was told no because Im in the program and attempting to clear this debt

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 2020-03-27 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:
Today XX/XX/2020 I received an email alert that an account has been reported as delinquent. I am on a program with XXXX  credit card for 3 months. I have made my payment in the amount of {$180.00} to enter into the program I was also told this account would not be reported as delinquent to the credit reporting agencies but it was which caused my credit score to drop. I was offered this program due to my temporary financial situation due to this pandemic that is going on right now. I anticipate this account will be up to date being in the program they offered. I am upset that it is reported when I specifically asked if it will be I was told no because Im in the program and attempting to clear this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Today XX/XX/2020 I received an email alert that an account has been reported as delinquent. I am on a program with XXXX  credit card for 3 months. I have made my payment in the amount of {$180.00} to enter into the program I was also told this account would not be reported as delinquent to the credit reporting agencies but it was which caused my credit score to drop. I was offered this program due to my temporary financial situation due to this pandemic that is going on right now. I anticipate this account will be up to date being in the program they offered. I am upset that it is reported when I specifically asked if it will be I was told no because Im in the program and attempting to clear this debt

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 2020-03-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Reports Criminal Activity by me Falsely Destroying my Good Credit and Good Name to Credit Reporting Agencies. XX/XX/XXXX RESPONSE CFPB XXXX. USAA Also reports me as Reporting Fraud on A RETURNED ITEM {$120.00} XXXX XXXX. I AM NOT A CRIMINAL. I DID NOT REPORT XXXX XXXX {$120.00} AS FRAUD XX/XX/XXXX. AFTER IT WAS RETURNED. Several attatchments Proove that Beyond a Shadow od Doubt. ( A ) XX/XX/XXXX STATEMENT ( 1 ) confirms {$470.00} IS WITHOUT THE XXXX XXXX {$120.00}. ( 2 ) Confirms NO BEGINING USAA TEMPORARY FRAUD INVESTIGATION CREDITS. A USAA POLICY WHEN FRAUD REPORTED. ( B ) attatched FRAUD LETTER XX/XX/XXXX ( 1 ) XXXX XXXX {$120.00} refers to CREDITS BEING REVERSED. ** Clearly this could NOT HAVE BEEN REPORTED FRAUD IN XX/XX/XXXX. They WERE NOT REVERSED UNTIL XX/XX/XXXX. see attatched STATEMENT XX/XX/XXXX. I. DEMAND USAA REPORT TRUTH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
bank of america closed my checking, savings, credit card account due to some one hacked into my online account and withdrew to a neg bal. i tried to explain i was not at the location stated by the bank bank stated the IP ADD was located in a different state. i have proof that i was in XXXX tx and said day. they closed accounts what money was in accounts was never returned and flagged credit report, and 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 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
i spoke with a representative XX/XX/XXXX a sr account manager she informed me my account was restricted on XX/XX/XXXX i was never informed by any representatives or statements that my account was actually closed and i no longer have or will ever have access to it. i was told previously when i made my first payment that i would eventually have access to my account but the representative couldnt give me an actual date because she said it was computer genrated so i went along with making my payment of XXXX which is an over payment because my statement only required me to pay XXXX for XX/XX/XXXX. when i called in with questions i am certain that representative seen my account was closed and i would never have access to it but instead of her giving me the option to pay on a closed account i was lied to and deceived into making a payment without my permission on a closed account, yet when i spoke with a representative i informed her that my credit report does not show my account as closed but your telling me that it is and she is telling now that its not closed its restricted but you can never have access to it but its not close ... which does not make sense ive been told so many stories and have spoken with 6 sr managers and no one is making sense to me

Company response to consumer: Closed with explanation