vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Unsure who opened a XXXX XXXX  account in my name but it doesn't matter because I've never serviced with XXXX XXXX I don't even watch tv. Item was deleted by Experian in XX/XX/2020 but showed back up on my report in XXXX by different creditor. This is against the Fair Credit Act. My upload is the deleted file and a screen of the random account showing up on my credit attached with XXXX XXXX name on the account. Please don't let Experian get away with this. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I have a loan with CREDIT COLL ( Original Creditor : 06 THE XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and CREDIT COLL ( Original Creditor : 06 XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOP FLITE FINANCIAL INC
State: KY

Complaint narrative:
On XX/XX/XXXX the lender order and appraisal on the home we were trying to purchase. The loan officer told us the incorrect appraisal amount shortly after the appraisal and never sent us a copy. They told us we would be closing on the house in XXXX. The processor then told us we would be closing soon and to obtain homeowner insurance so we did in XXXX. The processor did not keep in contact with the insurance company nor us which I have documented with them and have all of my emails. Almost caused me to be in nonpayment for a home I dont even own causing my rate to go up for my car insurance. Then told us we would be closing in XXXX. Now it is XX/XX/XXXX and the last contact I had with her she was asking me for my job verification which I've already provided several times and should have been conducted before they approved me and sent an appraiser. I'm more than upset and will be filing complaints any Avenue possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: NC

Complaint narrative:
I checked my credit scores in my XXXX account. Ive recently paid off two auto loans, and a motor home loan. Ive also limited new credit card spending as I am working hard to pay off my debt soon. Ive never missed a payment, no bankruptcy, nothing negative on my record. Equifax dropped my score over 60 points because I payed off those loans ... and all I have is my mortgage and credit card debt. The other agencies did not drop. I am also paying off my credit cards in lowest balance order. I contacted Equifax, and they told me they could not tell me why my score dropped and sent me to a debt management agency. I want to know why I am being penalized for paying off my debt, and pay my bills as agreed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
For over three years, Ive attempted to control my mortgage loan with Nationstar/ Mr. Cooper XXXX without any success. When working on receiving a modification, my attorney was placed on the loan as a point of contact. The attorney is no longer involved in anyway with my loan. 
Meanwhile, Im unable to retrieve pertinent information in order to monitor my loan, but continue receiving the following message from my lender. 
Important messages about your account are not getting delivered. Please update your mailing address and register for Paperless Delivery to ensure you receive all communications. 
The documents included demonstrate my attempts to have the attorneys name removed from my loan based on the advice/information provided by Nationstar/Mr. Cooper. I was advised to send a written request, which I did, only to then be informed that I, the loan holder, can not make the request, and only the attorney can do so. To complicate the matter, the attorney in question is being investigated by the Department of Justice and the XXXX XXXX Office of the District Attorney, therefore, making it inappropriate for me to have any contact with him due to his connection to my loan. When sharing this information with the lender, their comment continues to be, Theres nothing we can do. 

OTHER ATTORNEY REPRESENTATION If you have attorney representation for any other mortgage-related matters, we will send all correspondence to your attorney. To resume sending correspondence to you, we will need written verification you are no longer being represented by an attorney regarding your mortgage. 
You can send verification by fax to XXXX, or mail to : Mr. Cooper Attn : Customer Care XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
With approval of this Barclay Visa card last year it was understood that a promotional interest free period of 12 months for the purchase of XXXX products which was done. Funny thing is that this interest free was about to expire ( last year ) and the interest free would not be unless the entire balance due on the card was paid. Essentially extorting the full balance of the card. Okay balance was managed and paid. So this year purchasing another XXXX product this same tactic was " automatically '' applied for interest free. No way to choose regular or promotional like my other Visa card. One XXXX product, two XXXX products, three XXXX products generated three different promotional dates of expiration. Once again all three dates are separate in time and interest accrued. Paying off the earliest balance ( $ XXXX ) does not remove the expiration. Even though in the last six months have paid {$1000.00} to pay off at the very least that first " promotional interest free balance due to expire XX/XX/2020. Indicating that the interest will be charged at the end of that expiration etc. Once again the entire full balance of the card MUST be paid in order for " interest free '' to be interest free. All the while interest is charged for nonXXXX products purchased. Isn't this double billing on interest. Can't pay off the balance for interest free, while charging interest on periodic balances. XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Im a co-signer on my daughters ( whos a veteran ) XXXX XXXX account. Prior to the co-signing, my credit scores averaged between XXXX and over XXXX. Now, it has dropped to an average of XXXX to XXXX. Its enough of a drop that in researching to apply for a home modification loan, Ive been told that it will affect the results of a new loan. The credit companies are basing this on one sole late payment, caused by the militarys red tape in adjusting my daughters XXXX status, which is why it was necessary for her to have a co-signer. Why should this be allowed, especially since she hasnt had a late payment for almost 3 years. Is it necessary to affect two individuals lives based on one late  payment? As a recently retired XXXX ( XX/XX/2019 ) it is crucial that I maintain good credit scores, which if not for the one late payment would be flawless. Furthermore, as a Veteran on XXXX, it causes undue stress and hardship on my daughter, as well as on me. The credit companys overzealous action is unequivocally uncalled for, and therefore, Im asking that it be removed from my report, and hopefully, from my daughters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XXXX XXXX 2020 this writer used their Capitol One credit card to purchase VIP tickets for XXXX XXXX XXXX festival scheduled for XXXX in the amount of {$570.00}. 

On XX/XX/XXXX ( 8 days before the concert ), the Festival cancels/postpones the show. 

This writer contacts Capitol One after contacting XXXX XXXX for a refund as XXXX XXXX  Denied Refund. Capitol One was contacted mid XXXX and refunded this writers Capitol one Card in XX/XX/2020 for {$600.00}, {$570.00} for the amount of the concert tickets and {$18.00} in interest fees. 

XX/XX/2020 this writers see 's a charge of {$570.00} on billing statement and contacts Capitol One XX/XX/2020 to dispute charge. Capitol One states the charge is due to XXXX XXXX disputing the refund. This writer shared the Fair Billing Act appears to be violated in that services were not provided on said day and therefore a refund should be granted as payment was given and services were not received. Capitol One requested further documentation from this writer which was sent on XXXX to : TransactionSupport Center Capitol One XXXX XXXX XXXX XXXX XXXX XXXX UT On XX/XX/2020 this writer called Capitol One to get status of case and representative said aforementioned information was needed. This writer shared information was sent and a grievance would be filed with the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ALL THESE ACCOUNTS HAVE BEEN ON MY CREDIT REPORT SINCE XX/XX/2009. 
PLEASE DELETE AND REMOVE XXXX XXXXXXXX XXXX # XXXX US DEPT OF EDXXXX # XXXX US DEPT OF EDXXXX # XXXX XXXX DEPT OF ED/XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I requested an investigation into several accounts reporting on my credit file with Transunion. I asked that they validate the accounts as well as send me their method of verification documentation. On XX/XX/20 I received a letter from them validating all accounts but no documentation to show how they properly verified these accounts. I sent a second letter on XX/XX/20 asking them to please send whatever documentation they used to verify the accounts but on XX/XX/20 I received another letter only verifying the accounts again, still no documentation or anything in writing validating the accounts, such as a contract between myself and the debt collector. I sent a third and final letter on XX/XX/20 asking again for the documentation I am entitled to receive per rules set by FCRA 611 ( a ) ( 2 ) ( B ) and as of XX/XX/20 I have not received any documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally *Copy of signed HIPPA form They are saying it is verified but where's my proof? What methods are you using to verify?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: U.S. BANCORP
State: NC

Complaint narrative:
Thank you for taking the time to consider my complaint about US Bank and their partner Elan. My wife, XXXX XXXX, and I requested this account be closed multiple times via phone, but it was never actually closed. The account was not be used or monitored by either XXXX or XXXX XXXX as it was presumed closed. The issuer allowed an annual recurring charge to be charged to the account, even though there had been not activity for 12 months and a new XXXX number had been assigned which was never activated by us. 
I called to dispute multiple times but the account status was not clear for several months, due to sale of the Fidelity credit card portfolio by XXXX XXXX  XXXX to another issuer. Finally, after extreme frustration in the dispute, we decided to pay the balance given the low dollar amount of {$51.00} and avoid charge off. Account activity over the time period from XX/XX/XXXX - XX/XX/XXXX supports this explanation. 
HISTORY : ' Account opened XX/XX/XXXX, regularly used with high credit limit of {$25000.00}, with no payment delinquencies until XX/XX/XXXX ' In XX/XX/XXXX, account balance was {$0.00} and called to request the card to be closed. We stopped monitoring the account. 
' {$39.00} annual fee was charged in XX/XX/XXXX, but went unnoticed until XX/XX/XXXX when it was paid in full ' In XX/XX/XXXX, I again requested via phone for the account to be closed and again stopped monitoring ' There was no activity from XX/XX/XXXX until XX/XX/XXXX, when another annual recurring fee was charged to the account ' Again, given that we thought the account was closed, we were not monitoring ' When I discovered the account was still open and another charge had been allowed I called to complain and dispute. There was some confusion by the servicing agent given the accounts were in transition from XXXX XXXX XXXXXXXX to another issuer { due to portfolio sale ) ' Finally the account was closed in XX/XX/XXXX at my request. I presumed the charge had been reversed. 
' Upon receiving notification that there was still an unpaid balance in XX/XX/XXXX and, given my level of frustration with the matter and the time required to resolve, we paid the balance of {$51.00} in XX/XX/XXXX and ended the matter. 
- In XX/XX/XXXX, I disputed the charge through XXXX and USBank updated their credit report incorrectly to show that the account was not closed until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Date of Service-XX/XX/2013 Account Number-XXXX Balance- {$250.00} I am Disputing the debt that is 6 years 6 months old and do not recognize the debt as mine. 

Original Creditor-XXXX XXXX XXXX XXXX Florida Current Creditor XXXX XXXX or XXXX- XXXX XXXX XXXX XXXX XXXX Tx XXXX Phone-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Im a co-signer on my daughters ( whos a veteran ) XXXX XXXX account. Prior to the co-signing, my credit scores averaged between XXXX and over XXXX. Now, it has dropped to an average of XXXX to XXXX. Its enough of a drop that in researching to apply for a home modification loan, Ive been told that it will affect the results of a new loan. The credit companies are basing this on one sole late payment, caused by the militarys red tape in adjusting my daughters XXXX status, which is why it was necessary for her to have a co-signer. Why should this be allowed, especially since she hasnt had a late payment for almost 3 years. Is it necessary to affect two individuals lives based on one late payment? As a recently retired XXXX ( XX/XX/2019 ) it is crucial that I maintain good credit scores, which if not for the one late payment would be flawless. Furthermore, as a Veteran on XXXX, it causes undue stress and hardship on my daughter, as well as on me. The credit companys overzealous action is unequivocally uncalled for, and therefore, Im asking that it be removed from my report, and hopefully, from my daughters.

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