vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 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: IL

Complaint narrative:
I was engaged in a dispute with XXXX XXXX and XXXX concerning a booking with XXXX XXXX. The disputed charge was resolved by XXXX XXXX XXXX. A refund was issued to XXXX and subsequently XXXX issued a refund to XXXX XXXX to resolve the dispute. My credit reports improperly reflected the situation. The XXXX XXXX charge that I refused to pay was not a legitimate charge by XXXX. I have tried to engage Transunion, XXXX  and XXXX   and have been unsuccessful or they don't care to reflect the correction this situation requires.

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 2020-06-15 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
I had three calls the first one was polite but the last two that were today XX/XX/20. They where rude abrupt fast talking and lound which i tried to have patience but couldnt. The lady said she was doing her job i told her she was not doing it pplolitely and she was rude. Tehy call like bullies. They act like they run over you with how they talk to you. She itterated that they could sue me for this collection. In a threating way. I just cant take it anymore im having a hard time getting a XXXX job. They are garnishing my first one. W the little but of money i get. I am a single mom of 2 how am. I to survive thru this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
On XXXX XXXX I finally spoke to multiple individuals requesting COVID-19 mortgage relief while we try to bring our income level back to pre-COVID-19. 
I requested that XXXX be rolled into the 180-day request. However, Dovenmuehle has just sent a letter via the consumer complaint site stating that XXXX is considered delinquent and will only provide me with 90 days of relief. I am enclosing their letters and the VA guidelines that Dovenmuehle is required to adhere. 
Therefore, my request is that Dovenmuehle correct the paperwork to reflect XX/XX/2020 in the calculations for the next 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Durham & Durham, LLP
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from a law firm, Durham & Durham LLP at XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, stating that I owed {$1100.00} to XXXX XXXX XXXX XXXX, for a date of service on XX/XX/XXXX. 

On XX/XX/XXXX I wrote a letter and placed it into the mail ( and have photos of same ), stating that I disputed the debt, and needed more information and verification of the debt. Specifically, I requested the name and address of the entity claiming the debt is owed, along with verification that the debt is owed. I received no response at all, until XX/XX/XXXX, when I received a letter dated XX/XX/XXXX. In this communication, no reference whatsoever was made to my request for verification and additional information. I note that the communication says that no attorney has reviewed the file, however, the communications appear to come on behalf of a law firm, and claim that the amount is your responsibility, which implies a legal review. 

I do not wish to be repeatedly contacted by a law firm by a person appearing to be an attorney ( who is not ) who also refuses for 4 months to verify the debt and to provide the statutorily required information. I believe multiple violations of the Fair Debt Collection Practices Act have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: MD

Complaint narrative:
EXPERION has been committing fraud by generating information that has no source. And manipulating the credit score factors. To decrease the scores of many consumers and not only myself. Can someone fix or investigate The coding of the score factors? Ive made over 4000 attempts in between XXXX and XXXX to have this corrected. And rather than remove the incorrect information, Experion repeatedly replace it with ( information that are positive and presenting them saying that theyre negative reports ) on my file for example, paying 37 % of my loan, on time and never being late. Experion has this as something bad to do. as in something that should decrease someone score?. Number 2 Experion is showing 2 years and 6 months as my age of credit. But if you would use the formula for calculating averages, you would see three years and nine months, XXXX rules say that minimum for age of credit is 6 months. Thats the only time that the words age of credit is too short would be used. Experion is posting 2 years as being too short. As is shown in the attachment Which I have placed in order. From my first attempt to the present. Im asking for an explanation for each one of the 10 attachments. the law in the state of Maryland grants me, The right to request the name of the individual Who is tasked with correcting my credit file. And the fair credit report act Also grants me {$10000.00} per every 28 days that the credit bureaus incorrect reports affect my life negatively. This law I will be pursuing with a lawyer. Because enough is enough. I will be showing this letter to my attorney general of Maryland and to every media outlet in the D.M.V.

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 2020-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
On XXXX received a call from the Cash store manager my pymt was due. I paid via Debit card on the phone. The payment of {$230.00} didn't process because of an error on the store computer. The manager asked for the card # a second time and I suggested since the first one didn't go thru take out {$260.00} because I always pay more than the amt due. On XXXX I checked my bank acct on line and two payments were pending, so I called The Cash Store and informed the Manager of the mistake. She called the regional manager and informed me when the transactions POST to bring in the transaction history/stmt.. The payments posted on XXXX and I took the copy from my bank showing the name of the bank and the last four digits of the bank acct to their store. I was told if I brought that info in I would be reimbursed in cash @ the store and could put the money back in my acct. The employee faxed or emailed the copy to the Regional Manager on Saturday who works out of her home and I was told to check back Monday XXXX. This morning when I called the employee said the regional manager hadn't gotten back to her. 
It is now after XXXX XXXX CST and every time I call-still waiting for the Regional manager. These two amts were over {$200.00} each and I have other bills pending I need to pay for this month. I never received a RECEIPT via emailed as requested by me. I only have one payment left on the contract and it is due in XXXX. I can not afford for them to keep the extra money this month. I AM NEVER LATE AND PAY MORE THAN THE AMT DUE. I AM A GOOD CUSTOMER and should not be treated like a second -class citizen. If they are going to reverse the payment of XXXX, they should let me know something or if I get the cash I can put it back in the acct myself. I THINK WHAT THEY DID TO ME IS HEARTLESS AND CRUEL! I will eat bread and water before I do business with them again. I am a retired XXXX Citizen on a fixed income and they are ignoring me. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
Beginning in XX/XX/2020 I began working to correct issues related to my credit report that contained medical collections. These medical collections were supposed to be covered my insurance but for some reason they werent processed incorrectly and not in a timely fashion and when I found out the items had been sent to collections agencies. I reached out to Receivable Solutions INC to make arrangements to clear the debts and was told that they did not have any items in their office for me, I asked the agency to remove the items that they were reporting. Nothing has been removed as of yet, I have also sent certified letters requesting that those items be removed and have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Back in XX/XX/2020 True accord contacted me and was told by XXXX XXXX. That her company will no longer be trying to contact me to owe on the debt because the account will be given back to the original debt collector. I have already complained before about this same company I don't remember the complaint number. XXXX XXXX has been sending me emails regarding the same account that I was told that they will longer be collecting on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
The company has reported the debt weekly on my credit report rather then monthly or every 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: NJ

Complaint narrative:
My credit report is showing a 30-day late payment in XX/XX/2018 I have disputed this with all 3 credit bureaus but XXXX keeps verifying that is correct. 

Please remove this late payment entry as it is inaccurate for the following reasons : 1. XXXX does not provide an auto-payment scheduling mechanism. It is very easy for a customer to miss the payment date as all payments need to be manually scheduled. 
2. There were a number of fraudulent charges on my account in the months preceding and after investigations credits had been issues to my account. These would have made up for the minimum payment for XX/XX/2018. 
3. XXXX is charging interest from the date a purchase is made. This is incorrect. You should be charging interest from the Due date shown on the previous statement as all other credit cards do. 

I have attempted to address this with XXXX but they refuse to help.

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 2020-06-15 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: NJ

Complaint narrative:
My credit report is showing a 30-day late payment in XX/XX/2018 I have disputed this with all 3 credit bureaus but XXXX keeps verifying that is correct. 

Please remove this late payment entry as it is inaccurate for the following reasons : 1. XXXX does not provide an auto-payment scheduling mechanism. It is very easy for a customer to miss the payment date as all payments need to be manually scheduled. 
2. There were a number of fraudulent charges on my account in the months preceding and after investigations credits had been issues to my account. These would have made up for the minimum payment for XX/XX/2018. 
3. XXXX is charging interest from the date a purchase is made. This is incorrect. You should be charging interest from the Due date shown on the previous statement as all other credit cards do. 

I have attempted to address this with XXXX but they refuse to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: NJ

Complaint narrative:
My credit report is showing a 30-day late payment in XX/XX/2018 I have disputed this with all 3 credit bureaus but XXXX keeps verifying that is correct. 

Please remove this late payment entry as it is inaccurate for the following reasons : 1. XXXX does not provide an auto-payment scheduling mechanism. It is very easy for a customer to miss the payment date as all payments need to be manually scheduled. 
2. There were a number of fraudulent charges on my account in the months preceding and after investigations credits had been issues to my account. These would have made up for the minimum payment for XX/XX/2018. 
3. XXXX is charging interest from the date a purchase is made. This is incorrect. You should be charging interest from the Due date shown on the previous statement as all other credit cards do. 

I have attempted to address this with XXXX but they refuse to help.

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 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi, I am requesting your support. I have been a loyal CapitalOne customer and I'm so disgruntled at the level of service I've received with this issue. 

I filed a claim with Capital One and received a provisional credit for the full amount. Several weeks later, I received an email requesting additional information which I immediately provided. 

Last week, I checked my account to see a reversal of the full amount, leaving my account in the red. This is my account that I pay my rent with and my most recent paycheck was deposited here. I never received any communications from your team about the status of the dispute and I'm so upset and hurt that this has happened to me. 

On Monday, XX/XX/2020, I booked two all-inclusive tickets to the XXXX XXXX using XXXX Pay-delay feature. I booked the trip using my XXXX XXXX  Account. Note : I am still waiting on a response from XXXX regarding this. 

On Friday, XX/XX/2020, I decided to pay off the trip in full using my Capital One debit card. The total was {$1300.00}. 

For several days, starting the week of Monday, XX/XX/2020, I tried to reach out to XXXX  through a variety of ways including phone calls, emails, and social media. None of my attempts were successful. 

I then went back to their website to find a notice : XXXX has now canceled all future bookings at resorts located in non-US destinations. We have also been officially notified that most of these resorts have closed temporarily, as air travel into their destinations is not possible at this time. Your RESORT booking has been canceled automatically. All upcoming XXXX payments for upcoming travel have been canceled. As we are currently unable to process refunds to you, please contact your bank for options available to you as a cardholder This is a very unfortunate and very inconvenient situation. I should not have to lose thousands of dollars because of this companys negligence and they need to pay up. Before they closed all their social media accounts, there were several reports of customers who are going through the same thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-15 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: AR

Complaint narrative:
I have been contacting the reporting agencies since XX/XX/2020 and I have not gotten a response from them

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 2020-06-15 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2020, I bought an instrument cluster for my XXXX. The XXXX garage tried to install it, but it is defective, forcing me to pay a repair bill of {$300.00}. 
During the process, I tried to contact XXXX and the seller directly. I was unable to reach EBay ( COVID-19 rollback of personnel ), emailed the seller with no response at all. 
My dispute was denied because I did not have the statement from the garage, now I do. 
I am also including the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I have tried multiple time to activate my checking account with the XXXX  app and PNC 's checking account ( virtual wallet ). I always get the same privacy statement saying PNC does not trust outside apps or money apps. I called and talked with several representatives who stated it was always on the XXXX  end and that PNC did not stop their customers from using money saving or virtual money apps. I am tired of being told one thing by each company. I feel that PNC should let its customers use their money through whatever means they wish.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: AL

Complaint narrative:
XX/XX/20 XXXX dollars was taking

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
Received collection notice today from a company named credit collection services collecting for XXXX XXXX  and XXXX  for the amount of {$250.00}. First of all I dispute the debt and the amount of the debt also I just recieved the final notice on or about XX/XX/2020 ( see attached ) saying that I owed this alleged amount. My dispute is I dont think amount is correct i have received several different amounts owed from this company. Also it has not even been 30 days since the final notice and XXXX has not only already sent me to collections they have not honored the XXXX shelter in place promise due to XXXX epidemic which was supposed to be extended till the end of XXXX from XXXX which included policy protections such as special payment plans and delayed payments with no penalties which were not extended to me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/2020 - I received notification that my credit report had been pulled and someone tried to apply for an XXXX loan in my name. 
XX/XX/2020 - I tried to call Equifax and their automated system requested I verify information which was not on my credit report. The system indicated it could not verify my identify. I was told I had to send in photocopies of my drivers license and social security, which I did. These were mailed on XX/XX/2020. 
XX/XX/2020 - I called and spoke to a representative. The representative was going to place a freeze on my credit report, but I needed it to not be frozen right away, so I asked what I needed to do to get a freeze in the future. They said to call back and request it. They also said I could not use the XXXX web site as it was locked out permanently. 
XX/XX/2020 - I called back today and the automated site locked me out and I was told, again, to send in documents. I told XXXX, XXXX, that I had already sent in the documents and she said she could not place a freeze on my report. I asked if she had record that I called in the previous Friday and was verified by an agent. XXXX would not verify this info. 

The automated system at Equifax asks me questions and gives answers for those questions for loans and credit which is not on my credit report. I received a copy of my credit report in the mail from Equifax and the questions about accounts asked do not match any accounts on my credit report. 

I call, Equifax asks questions to verify my identity which can not be answered ( answering " None of the above '' does not work, either ) and they lock my account until I send in documentation. I send in documentation and they allow me to call in again but I again get locked out by the automated system and am requested to send in documentation. 

This is resulting in my credit report not being frozen when I have a documented fraudulent application filed in my name with the XXXX XXXX XXXX. It appears the person applying has details from my credit report meaning it was likely obtained from Equifax, since they are the only credit reporting agency whcih had a data breach.

Company response to consumer: Closed with explanation