vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 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: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
Account was paid in full with agreement to full deletion. 

Account was updated as paid in full but not deleted. 

Called and spoke with a supervisor on XX/XX/2020 and was promised deletion and letter in the mail. 

Never received letter and deletion did not occur. 

Called several times to have corrected and still has not been corrected. Multiple calls have been disconnected and refusal of call backs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I, XXXX XXXX elect to dispute an outstanding debt of {$13000.00} issued by XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX TX XXXX customer service XXXX. Account XXXX, This loan states that a XXXX XXXX was used as collateral. I have the XXXX pink slip and a notarized signature in the release form the original loan. The car has been since sold. 

In a response from XXXX XXXX stating that they purchased the loan from Ditech for whom acquired the loan from XXXX XXXX. 

These companies, LLC 's that have changed there name over the past 30 years such as XXXX XXXX  to XXXX  to XXXX XXXX to XXXX XXXX, to XXXX XXXX  to XXXX XXXX etc. I currently pay XXXX XXXX   and on an outstanding debt close to the same amount monthly. 

My issue is how can a company release a vehicle with suht an outstanding balance. 
Me personally I believe in the mist of all these conversions and name change that a second or third party company acquired this loan. I feel. so violated and this is causing such harmful effects on my credit report and retirement. I need to purchase a new roof for my home of 31 years. 

Please help me in searching for the truth. I can't imaging walking away from a {$1300.00} debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Thank very much. 






















XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: NC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: NC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT 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 2020-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
Trying to establish payment plan based off of income and student debt payments. I continuously submit the appropriate paperwork ( income amount and frequency, other debt payments, and proof of payment relief, etc. ) but they just keep rejecting the forms. These are also the exact same forms I submit for another loan I have with them that they have accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: CT

Complaint narrative:
I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything thats an error to be corrected. i will greatly appreciate your help with this 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 2020-07-30 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: CT

Complaint narrative:
I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything thats an error to be corrected. i will greatly appreciate your help with this 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 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I began the refinance process with XXXX XXXX with NewRez. All responses with XXXX were super quick. Around XXXX the house appraisal was available for NewRez and myself. On XX/XX/XXXX, I received an e-mail from XXXX XXXX advised that my loan had been approved and we could continue. On XXXX, I received an e-mail from XXXX XXXX XXXX XXXX advising that I need to provide an Engineering Certification. This was provided to them on XX/XX/XXXX along with some additional things required. I attempted to call & e-mail XXXX between the XXXX and XXXX multiple times with no reply. On XX/XX/XXXX I e-mailed XXXX to follow up and see what I needed to do. At that time, she advised that my closing date would be the XXXX and sent paperwork for me to sign. I never received any communication that we were not going to close on the date given to me. I received no response from XXXX and e-mailed XXXX again on the XXXX. She advised that she was going to e-mail XXXX and his manager.  After receiving no response again, I reached back out to XXXX again on the XXXX and did not receive a response from her either. I had several questions regarding my loan which appeared to be the hold up. 
On XX/XX/XXXX, I filed a complaint with NewRez late in the afternoon, I do not remember the agent 's name who I spoke with but she was extremely helpful and understanding. To my surprise, I received a phone call from XXXX and XXXX on XX/XX/XXXX. I spoke with XXXX on the 2nd and she was helpful on straightening out the applicable property county assessor issue we had. She advised that XXXX was out until the following Monday but that he would finishing closing the loan once he was back. 
I received an e-mail from another processor in XXXX requesting bank statements. I uploaded them and have not heard anything. On XX/XX/XXXX I e-mailed XXXX requesting a cancel on the refinance. The same day he advised that he sent the request up to processing management. I followed up on XX/XX/XXXX and as of XX/XX/XXXX have received no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30 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: MS

Complaint narrative:
I am contacting you to inform you that I have several accounts that are listed on my credit report that I did not open. I have asked Transunion to delete this information but they have not. I am contacting you to have these accounts for 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 2020-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I called capital one and explained we were in COVID and XXXX XXXX was shut down. I didn't have the money for my payment. They told me they would defer it because of the pandemic. I noticed a late on my credit report that they told me would not be there. I have now caught up on my payment and don't know why i was dinged - I am on auto pay. 

this is outrageous. We are in a pandemic. 
My account number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I purchased a XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX XXXX was the original lien holder. XXXX XXXXXXXX XXXX was acquired I. XX/XX/XXXX by Capital One Bank, received a letter stating that the bank was acquired and I would be submitting the loan payments to Capital One Bank. I paid the loan off in XX/XX/XXXX. I contacted XXXX XXXX to have a lien release letter sent to me. I was told information could not be found without the VIN, I gave several representatives my name, date of birth, social security number and the VIN. My information could not be found within their system. I am totally baffled by this, especially since I made payments to Capital One Bank for 4 plus years. 
I paid the vehicle off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$4900.00} my account. The amount is inaccurate because of billing errors. I was told to electronically transfer my balance within the allotted time ( XX/XX/XXXX ). Later I was told by another customer service representative that an electronic payment is not acceptable. As a result, I mailed a hard copy check that was sent overnight ( XX/XX/XXXX ). Subsequently, I was charged the promotional interest fee, even though I mailed a letter informing Comenity that I was giving inaccurate payment options. The letter also stated that a hard check was sent overnight 2 days prior to the expiration date. This letter was sent via certified mail, it was received and acknowledged by Comenity bank. In addition, on a recorded line I was told by a Comenity representative that a banking billing error occurred and that the promotional interest rate would not be charged. I have asked on several occasions both in writing and over the recorded line for Comenity to  verify the conversation and to conduct a comprehensive investigation into the phone calls between myself and the senior manager. Unfortunately, every time I call, I am treated unfairly. Comenity representatives raise their voice with me, put me on hold for hours at a time, and disrespectfully refuse to investigate this case. This is fraudulent activity on behalf of the bank for providing false information and posting an inaccurate charge on my credit without my consent. I have made numerous attempts to reconcile this error. Comenity bank has declined to investigate this case after I requested several times to review the recorded phones calls that were made dating back to early XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30 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: MS

Complaint narrative:
I am contacting you to inform you that I have several accounts that are listed on my credit report that I did not open. I have asked Equifax to delete this information but they have not. I am contacting you to have these accounts for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MI

Complaint narrative:
The months of XXXX and XXXX ; I continuously found myself in the negative with several overdraft fees after checking my bank statements at the end of the day, only to wake up the next morning to the forementioned occurences. On XX/XX/2020 I ended my daily transactions with a balance of {$170.00}. I went to the PNC Bank on XXXX XXXX XXXX  at approximately XXXX and withdrew {$70.00} leaving my balance at XXXX. The next day I had a negative balance of {$79.00}. I called the bank to complain and received the same spiel as always with no logical explanation as to how my money disappeared. I then told the rep. to check my ATM transaction. She confirmed my available balance, withdrawal and decided she wanted to escalate a claim because it didn't make sense. Until this day no one has called me regarding the matter. I have several attachments of screenshots of my transactions in real time because the dates and balances change as transaction are posted. I also noticed they are processing the transaction out of order and shuffling them around making it look like I am making transaction when I don't have money in my account to cover them, resulting in negatives and overdraft fees by the time I wake up the next day. Please view attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: LA

Complaint narrative:
Experian and XXXX are both showing information on my credit report that either 1 ) DO NOT BELONG TO ME or 2 ) DO NOT BELONG TO ME!! 

I have never gotten a pay day loan and they have one on here with NO date of when it was opened or any information and also a school loan that was taken out or opened in 1996 which I was NOT in school at that time and the information is 25 YEARS OLD!! 

Remove it now or I will report Experian and XXXX  to the XXXX and the 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 2020-07-30 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: CA

Complaint narrative:
Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$4900.00} my account. The amount is inaccurate because of billing errors. I was told to electronically transfer my balance within the allotted time ( XX/XX/XXXX ). Later I was told by another customer service representative that an electronic payment is not acceptable. As a result, I mailed a hard copy check that was sent overnight ( XX/XX/XXXX ). Subsequently, I was charged the promotional interest fee, even though I mailed a letter informing XXXX that I was giving inaccurate payment options. The letter also stated that a hard check was sent overnight 2 days prior to the expiration date. This letter was sent via certified mail, it was received and acknowledged by XXXX XXXX. In addition, on a recorded line I was told by a XXXX  representative that a banking billing error occurred and that the promotional interest rate would not be charged. I have asked on several occasions both in writing and over the recorded line for XXXX to verify the conversation and to conduct a comprehensive investigation into the phone calls between myself and the senior manager. Unfortunately, every time I call, I am treated unfairly. XXXX representatives raise their voice with me, put me on hold for hours at a time, and disrespectfully refuse to investigate this case. This is fraudulent activity on behalf of the bank for providing false information and posting an inaccurate charge on my credit without my consent. I have made numerous attempts to reconcile this error. XXXX XXXX  has declined to investigate this case after I requested several times to review the recorded phones calls that were made dating back to early 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 2020-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Berman & Rabin, P.A.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX-berman and Rabin Pa. 
Back in XXXX this debt collector did a judgement against me from an orginal creditor XXXX  XXXX XXXX credit card of {$1100.00}. They collected on zombie debt. I ended up getting my wages garnished resulting in paying well over {$3600.00}. I switched jobs. In XXXX XXXX they tried renewing the judgment illegally after the statue of limitations expired and they ended up releasing my {$3000.00} in my bank account as I had to hire an attorney. They violated the FDCPA.Recently on XX/XX/XXXX XXXX XXXX is attempting to renew a judgement from the same case that is from XXXX, well passed the statue of limitations in Oklahoma trying to collect on very old debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
About 3 to 4 weeks ago, my two banks accounts with J.P. Morgan Chase Bank were robbed via internet. The case were reported to the Chase Banks personnel. After that, they supposedly open and investigation and blocked both account. Meanwhile my Social Security money and my job weekly pay kept continuing entering the Chase Bank as usual, but for me they were both restricted. After several visit to the branch located in XXXX XXXX XXXX in XXXX XXXX, NY, XXXX it was offered to me the amount of XXXX XXXX.when the whole total overpass the {$4000.00} dollars, which I refused. The person who act as manager of that branch called the department of investigation of the bank, who gave me the impression that did not knew nothing about the case. Came back other time to the bank again and this time was given to me a debit car with the amount of {$550.00} dollars from which could expend probably XXXX dollars, and again the account were closed and can't not use now, because is like a kind of game, yoke or something similar. I did not know that JP.MORGAN CHASE has people so irresponsible in their staff. I haven paid my rent, no money to buy food, no car insurance, and the rest is problem over problems. I am a XXXX XXXX XXXX person, XXXX, XXXX with XXXX XXXX XXXX and some school too, XXXX who have to work with those medical conditions to survive. Don't want to keep talking, but a little scandal, scandal that you provoke will teach someone some decency and respect and help them get my money soon or I will not finish writing to everybody till I get the solution to this my problem ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX I was notified by Citi bank fraud detection that someone was attempting to use my card at a XXXX XXXX XXXX and I notified them that I was Not making the purchase. After I was prompted to review my statements if any other purchases were on my statement besides the attempted purchase that was blocked. I discovered a fraudulent transaction that was made on XXXX in the amount of {$3200.00} at XXXX XXXX. I contacted Citi Bank to let them know of the second charge and they sent out a new card but said the charge was valid. I tried to contacted the merchant and discovered it was a fraudulent company that I cant even get an invoice to exam or any information about the charge.

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