vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-11 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: IN

Complaint narrative:
On XX/XX/XXXX I noticed I had multiple collections on my credit report for the same student loans. After looking closer I realized that some of them even had the same amounts and account numbers but were added over and over again as if they were separate collections. This was making it seem as if I had multiple accounts go into collections when that wasn't the case. I filed a dispute online in an effort to get the matter resolved on XX/XX/XXXX. I received results on XX/XX/XXXX stating that all information was being reported accurately and this is simply not true. This is KILLING my score and is inaccurate! I also have late payments listed under my student loans ( even the currently open one ) which is inaccurate because all of my student loans have been in forbearance since XXXX until present. Some were just transferred, but we're NEVER late.

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 2020-10-11 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: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
In XXXX I co-signed a XXXX XXXX contract with XXXX XXXX XXXX. There was a mis communication with the person I XXXX  out, they were to finish paying off the loan and they did not. XXXX XXXX I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He told me that XXXX XXXX XXXX XXXX will be serving me with papers by the end of the day and I was being sued for the amount of XXXX but I could pay XXXX to be released of all claims and liabilities. So I paid over the phone and they sent over a letter via XXXX stating I paid in full and I would be released of all liabilities. I also want to mention the bond number associated to the contract I signed with XXXX XXXX XXXX XXXX in XXXX is XXXX. On XX/XX/XXXX I receive a txt msg stating to contact law firm XXXX XXXX XXXX and if I fail to contact them I will be served at my place of employment without my consent. I did contact them they told me I was being sued by XXXX XXXX XXXX XXXX for a sum of XXXX $ or I could settle for XXXX but that is only if I set up payments by the end of the day. Also they told me they saw my payment of {$450.00} and they will put that towards my balance. Immediately I reached out to the finance department for XXXX XXXX XXXX XXXX, where I spoke with XXXX. XXXX told me I wasnt being sued by XXXX XXXX XXXX XXXX and my account went to collections agency Mc Neil & Myer. She also told me to ask the law firm what bond number was on my account on there  end. So I called back XXXX XXXX asked for the bond number they told me it was XXXX, which was different from the contract I signed originally with XXXX XXXX XXXX XXXX. Also they told me the payment I made of {$450.00} I am not the co-signer of that bond. I then asked to speak with the supervisor at XXXX XXXX his name was XXXX. I politely asked XXXX if possible could he send proof that I was the co-signer for the contract they had on file? This is when the supervisor proceeded to yell and tell me he is not sending me anything and he doesnt have to answer any of my questions for I am the one who needs help from him and I should be answering all of his questions. XXXX was being very rude and disrespectful and he repeatedly kept calling me a young lady so I decided to end the call. On XX/XX/XXXX I decided to call the original collections agency Mc Neil and Myer whom XXXX XXXX XXXX XXXX  passed my account to. I finally got in touch with someone from Mc Neil who stated they sold my account to XXXX XXXX and the balance I had was XXXX $ and the bond number was XXXX and not XXXX. After XX/XX/XXXX I was feeling very unsure on how to proceed with this situation, so I decided not to call back the law firm and they have been calling and harassing with txt msgs ever since.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I received a debt collection request from a Aldous & Associates for a debt of XXXX dollars off a XXXX 's XXXX  membership that I cancelled in XXXX of this year. I have called them several times to speak to them in person, but only have talked to a automated voice machine. 

They did leave the option for me to leave my number but after a quick XXXX search resulting of claims of constant harassment, decided not to leave my number. 

I will once I figure out a way to not be innated by robo calls, maybe though an online proxy phone service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent a lot of letter to the bureaus such as XXXX, Equifax and XXXX, but they don't work wirh my case. I want you to investigate my credit report because it has a lot of inaccuracies, errors that I want to fix. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I had a promotional balance that was due to expire on XX/XX/20. I called Care Credit prior to the expiration date and asked if I could defer the promotional balance and the interest on the promotional balance and was told by a Care Credit representative they did not deal with the promotional balance and I would have to contact my provider to deal with the interest on the promotional balance. 
I thought this was strange so I had the Care Credit representative repeat that I would have to contact my provider. I contacted my provider ( XXXX  ). They stated they had never heard of this and they could not deal with the interest on the promotional balance. 
I then called Care Credit again. I again asked the representative if they could help me by deferring the promotional balance and interest due to financial hardship. At this time I was told they would forgive the interest if I paid the promotional balance prior to its expiration date. This is what they would do anyway as the interest would not be charged unless I did not pay the promotional balance. 
Afterwards, I discovered Covid 19 assistance on the Care Credit website stating they were offering assistance with Promotional balances as a result of Covid 19. ( see below ) I was never offered this assistance and I feel Care Credit has been misleading in not fully explaining the Promotional balance procedure and not offering Covid 19 assistance. 

Financial hardship? We may be able to help. 
If Coronavirus ( COVID-19 ) has affected your financial situation, please contact us to discuss ways we can help including : Fee adjustments Deferred payments Extending an existing credit card promotion Reevaluating your credit limits Contact us to discuss options

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 2020-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
In XXXX of 2020 I r

equested to apply for a refinance on my mortgage with Freedom Mortgage. They warned it may take several months to hear back from them because they were overwhelmed with all the requests they were getting. In XXXX  I received my monthly bill and noticed a charge of {$470.00} was put on my account. When I called to inquire about this I was told because I was filing bankruptcy that they attached a fee. When I assured them I was not filing bankruptcy then I had them verify that I was at the time, two months ahead on the house payment. The representative tried to find out why a simple request to apply for a refinance would now have me showing Bankruptcy, She spoke with a few people and they were perplexed as to why that had shown up. They told me to ignore it. They would have it removed. I still had not heard from anyone about refinancing. 

Late XXXX  I requested someone call me to refinance. NO call back. 
XXXX I went on line and applied to refinance only to be told a representative would call me. NO call back. Yet the {$470.00} fee still remained on my account. 
XXXX, I decided to go through another company. I closed on the refinancing with no problems. I closed on that loan in XXXX. Freedom Mortgage included the {$470.00} fee in the pay off. 
I called Freedom Mortgage to get a refund of my escrow funds and inquired about the fee. They told me they would look into it and if I was eligible they would refund that. 
XXXX I received the escrow check minus the {$470.00} they had charged me.

I called Freedom Mortgage and got a really rude sales  representative that refused to help me and said I had to speak with the refinance department and the person I was working with. I NEVER worked with anyone because instead of calling me to get the refinance started they just marked my file as being in bankruptcy. Thank goodness I stay on top of my credit or this could have ruined me and my ability to get refinanced I want the {$470.00} back that they charged me. I was never in bankruptcy and even the last sales representative that was so rude to me, said that that was happening a lot. Instead of helping people with refinancing they were marking the accounts with bankruptcy. In fact she had just had another incidence. This lady couldnt/wouldnt help me because I could not get her to understand I never made it to speak with a refinancing expert because they would not call me back.

I want the {$470.00} back that they charged me. This is insane that they have this power to charge you for something like this and I can't get anything back.

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 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMCB CARD SERVICES - FINAL PAYMENT {$2000.00} ON  XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 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: IN

Complaint narrative:
On XX/XX/XXXX I submitted a dispute in regards to 3 student loan debts that were being reported as collections on my credit report that I believed should have aged off of my credit report by now. On XX/XX/XXXX I received the results of the dispute stating that the information " is being reported accurately ''. Upon further investigation I realized that I also had late payments being reported on all three of those student loan debts including the one that is currently open ( which is the same loan, just transferred ) when in fact all of my student loans have been in forbearance since XXXX until present. They were just transferred, but we're NEVER late. 

I was able to find proof of the open account being in forbearance which is attached below.

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 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE BANK USA NA - FINAL PAYMENT {$1700.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: UT

Complaint narrative:
I've been locked out of my unemployment funds that are paid through US Bank Reliacard. A month ago, they said there was fraudulent activity on my card. So, they issued me a new card.

The 1st problem, in a very long list, is two of the cards would not activate, so I had to wait for a third card. It usually takes 5-7 business  days for the card to arrive. XX/XX/XXXX the 3rd card arrived and I activated it. It was active for one day, and then declined at the grocery store.

After a week of numerous phone calls and waiting on hold for 4-5 hours at a time, I was informed there had been a freeze put on my card because they were auditing my account. I was told I needed to fax in a copy of my driver 's license, rental agreement, and SSN card, and it would take 3 days. I faxed these documents on the XXXX of XXXX, and called 3 days later. 
The first customer service rep I spoke with said it could take up to 120 days for them to do the audit. I insisted on speaking to a manager and was hung up on. I called back, pretended I didn't hear the 120-day thing, nor did I ask. I was told they could not find my documents and that I just needed to keep checking back. 
On XX/XX/XXXX I would not accept their response of call back, and I demanded something be done. They asked me if when I faxed my documents, I increased the photocopy size on driver 's license by 200 %, because if I hadn't my fax papers were tossed. 
So, on Friday XX/XX/XXXX, I went back to the UPS store to fax the documents with the NEW instructions only to have the XXXX store try 12 times to fax my documents and the fax would not go through.  XXXX said the machine is responding like it's off the hook or unplugged on Reliacards end.

I came home called Reliacard and was literally told hmm, that doesn't sound right, but maybe try back on Monday. 
As of today, XX/XX/XXXX I have not been able to send the fax with my documents. That means my account is sitting there locked and I have no way to correct this. 
I feel like I am on the verge of a XXXX  XXXX, and US Bank couldn't care less. I have almost {$3000.00} on my card that I can not access because EVERY TIME I get the run around and new hoops to jump through. 
My utilities and rent are late, and there are late fees adding up. The burden upon me is great as I am raising my grandchildren. I have NO groceries, or gas in my car to get them to school. We set out walking an hour before school starts as it is over a mile away. I had to borrow money from a neighbor just to send the fax. I am desperate for someone to guide me on how to resolve this and be granted access to the unemployment I am entitled to.

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 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm worrieda about my credit report, I tried to fix it with the bureaus, but they did nothing. I want my problem resolve urgently. I sent 5 letters to XXXX, Transunion and 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 2020-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
It is an old debt from the year 2008 XXXX card I have no collections in credit report in the last years for a total of XXXX not due 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 2020-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
Around XX/XX/20, my car was stolen, wrecked and impounded. I filed a police report and notified XXXX. On XX/XX/20, XXXX inspected the car. On XX/XX/20, XXXX tried to pick up the car from impound, but it was gone. It had been repossessed by XXXX/Bridgecrest. There has never been a late payment and all payments are up to date. Over the next several days, I made numerous calls to XXXX trying to get the car back. They repeatedly gave me inaccurate and misleading information. The notice of disposition they provided had one amount and set of instructions while they provided a different amount and instructions verbally. They refused to provide accurate written amounts/instructions even though the notice of disposition said I have  a right to a written explanation. On XX/XX/20, I was forced to pay the entire balance of the loan plus repossession fees, so the car wouldn't be sold at auction. They would not give me a receipt for the repossession fees. Also, they are reporting the repossession on my credit report even though it is not a financial issue. I have NEVER missed a payment, all payments are up to date, and the loan is now PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a letter today from XXXX XXXX who denied an inquiry for a personal loan bas

ed on One or more accounts are being administered by a credit counseling service, as reported by Experian. This is not currently accurate ( I did participate in such several years ago but have paid 100 % of those accounts off in full ). I reviewed my credit report on Experian but dont see this information. And I tried to submit a complaint but theres nowhere to write this type of concern on their electronic form. I do intend to write them a letter of complaint about this.

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 2020-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have called and sent several dispute letters and a debt validation letter and I have not received anything back in reference to this account. When i call they tell me they dont have any information about this account but its still on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm worrieda about my credit report, I tried to fix it with the bureaus, but they did nothing. I want my problem resolve urgently. I sent 5 letters to XXXX, XXXX  and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm worrieda about my credit report, I tried to fix it with the bureaus, but they did nothing. I want my problem resolve urgently. I sent 5 letters to Experian, XXXX  and 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