vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: WI

Complaint narrative:
I requested a deferred payment due to the COVID pandemic for the months of XXXX and XXXX. When I requested the deferment in XXXX i was initially told no because previous over payments had been held, and rather then be applied to the principal thus reducing some interest, they waited and applied it as a regular payment when the regular payment became due in XXXX. I requested the deferment BEFORE the payment was due and had asked why the over payment amounts had been held and either not applied to the principal or returned to me. This was never addressed. After several calls I was finally able to secure a deferment for XXXX. I was told I could not request another deferment until the next payment became due. 
In XXXX when I called an requested a deferment I was told no. I was told that the company had decided ( with no notifications made to any one ) that they were no longer allowing deferments due to COVID. I was then told a deferment can only be requested after making 6 consecutive payments. From this point the company calls me multiple times a day using an auto dialer. When I answer the phone the call immediately disconnects without anyone saying anything. I have gotten as many as 4 calls per day of this nature. There is absolutely no reason why I should be treated in this mannor. I made full consecutive payments per the terms of my loan for the first year with no problems. I have attempted to work within the terms of the loan and keep in constant contact with the company. I have made the appropriate requests to keep the loan in good health while making adjustments in my employment due to a worldwide pandemic. The fact they at no time attempted to communicate any programs that were available when they became available so people could take advantage before making a decision to halt the program is ridiculous and deceptive at best. To then add my primary number to an auto dialer as if my account is in default is disgusting behavior. I desperately need assistance in dealing with this institution in maintaining the health of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I made a balance transfer to a new HSBC card, which I soon afterward realized I had made in error. Within 10 minutes of completing my balance transfer request, which I was told would take 7-10 business days to process, I called HSBC back and spoke with XXXX, who I had spoken with at the end of the balance transfer earlier. She told me it would take 7-10 days to cancel the transfer, but she worked in Escalations and would attempt to get the balance transfer stopped, given the short amount of time since the balance transfer had been requested. 

Unfortunately, it was necessary for me to be hospitalized yesterday due to a previous injury and when I got home and looked into my XXXX  accounts today, I realized the transfer had already been done When I called HSBC to clarify this, I was told if the transfer was done electronically, which I was not told during the entire BT process on XX/XX/2020. Now both XXXX and HSBC are telling me the transfer may not be able to be cancelled. I feel there should be a time frame to allow cancellations, especially when the customer is told it would take 7-10 business days to process, not one day if done electronically. Now HSBC is giving the same 7-10 days to cancel it, if at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$3600.00} on the XXXX XXXX XXXX - partial account number XXXX ; and {$420.00} partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts were incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctors to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. ) I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-18 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$3600.00} on the XXXX XXXX XXXX - partial account number XXXX ; and {$420.00} partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts were incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctors to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. ) I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was the co signer on a XXXX lease that was opened in XX/XX/XXXX. My credit report states that there were 2 late payments back to back XXXX of XXXX and XXXX of XXXX when they were not late. The primary individual on the account does not have any late payments on their credit report for this account, but I do. We have contacted XXXX for them to take a look and remove the 2 late payments from me credit report and were told they submitted the information needed to do so, but almost a year later both bad inquiries are still showing. Every payment for this lease was made on time and my credit report for this loan should show the same ( all green ) as the primary signer.

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 2020-06-18 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$510.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctor to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX I was notified by one of my credit card companies that an address change was made on my account. Since I did not make that change we immediately closed that account and began the process of opening a new one. Then I checked my credit information and discovered two fraudulent addresses. I initiated a fraud alert, and placed a credit freeze on all three credit agencies. The credit report indicated that someone had contacted Capitol One applying for anew credit card. This was not me. I called Capitol One, but their automated phone system does not have an option to speak to someone directly about potential fraud. I sent a registered letter explaining the problem on XXXX XXXX, but to date ( today is XX/XX/XXXX ), I have not received a reply or assurance that the credit card in question will not be issued. 

Frustrating for someone who is the victim of identity theft when the credit card agencies are unresponsive and do not allow access to someone within their company to monitor and lodge complaints about fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX I sent a payment from my XXXX checking account in the amount of {$740.00} to American Express Delta Card. I used an old EFT transfer instead of a new Bill Pay and the money never applied to our credit card. After about 15 days or so we called American Express and the lady we spoke to did a scan of payments in their system for XX/XX/XXXX in the amount of {$740.00} and said she found it and would apply it to our correct credit card account. We waited another 15 days or so and nothing was credited. We called back and there was no record of the money found or a transfer to our credit card. We opened a dispute at that time and it took a long time for American Express to close it after we supplied them all the information we could from XXXX. After American Express closed the dispute we went back to XXXX to see if they could pull the money back but they could not to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$510.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctor to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-18 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$510.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctor to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-18 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and fraudulent. I would like for these accounts in this complaint to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: MD

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I was attempting to refinance my home, when the loan officer reviewed my credit file and I was advised of a COLLECTION entry on my credit report from a WAYPOINT RESOURCE GROUP ( XXXX ) for {$840.00}. The issue is.. I have not done any business with XXXX. It is not even a cable/internet service provider in my state or geographical location. 

I attempted to gather more information from WAYPOINT and XXXX on this matter, but felt very uncomfortable and frustrated with the ONE-SIDED telephone conversation with their representatives on a recorded telephone line. They began requesting personal information such as my Social Security #, Address, telephone etc. But they were unwilling to provide me any information such as the Street Address, City or State this presumed service/account was associated with. Nor would they state or confirm the Original Application Date of Service, its duration or information pertaining to any previous attempts to collect. They were able to acknowledge and confirm that there were MULTIPLE entries for name : XXXX XXXX. I ended the call after they were unwilling to provided any useful information on this 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 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Pay Pal *XXXX  c/o XXXX  or visa versa on XX/XX/2020 took XXXX out of visa credit card account and never delivered the product as discussed a portable desks. Over 24 emails have taken place between and now and the names and everything have changed. I hold Pay Pal responsible for sponsoring fradulant companies over seas that don't send products. This company c/o Pay Pal XXXX presented themselves as being in the US or I would not have ordered. Something needs to be done about this taking advantage of ppl because of a pandemic. 

Then they tried to offer me XXXX up to XXXX for my " troubles '' '' I want the whole XXXX back no product. XXXX .. XXXX ( I have no idea who the heck this is and how it went from paypal to XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
The loan servicing website is broken and does not allow users to log in and pay their mortgages. This has been ongoing and is causing people to miss payments. They do not answer phone calls and there is no email address to contact them at. They are forcing their customers to pay late fees that are out of their own control. This is completely unacceptable for a company in 2020. Website outages and log in problems should not happen and they need to be transparent when it does happen instead of pretending nothing is wrong.

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 2020-06-18 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: CONTRACT CALLERS INC
State: NY

Complaint narrative:
I recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and fraudulent. I would like for these accounts in this complaint to be removed as soon as possible.

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 2020-06-18 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and fraudulent. I would like for these accounts in this complaint to be removed as soon as possible.

Company response to consumer: Closed with non-monetary relief