vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I had this account with XXXX XXXX that was being collected by Account Resolution Corporation. I had sent this collection agency an electronic message via their online portal offering a settlement to delete their reporting and received no response, Afterwards I contacted XXXX XXXX and paid them in full and they would recall it from the collection agency as it was paid directly and would be removed. I also sent Account Resolution Corporation another electronic message via their online portal and also no reply. Instead Account Resolution Corporation has updated all 3 credit bureaus that I paid them directly and it remains on the credit reporting causing harm. I did previously have a cease and desist contact to the company but in my electronic communication I specifically stated they could respond to that request only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: CA

Complaint narrative:
Hello On XX/XX/2020 had a purchase at XXXX XXXX, They supposed to wrap my car, after short time I have decided to do it, because the car was leased The Merchant has returned the full amount ( XXXX ), The credit card company didnt resolve the issue yet .I have uploaded sale receipt and return receipt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a credit of {$1400.00} due to a trip that was cancelled my card showed - {$1400.00} credit on my card. I went to bank to Withdraw the said amount. 
The following day My card showed a cash advance fee amount of {$43.00} I contact capitol one bank card @ XXXX. I spoke to customer service explained why was I charged for a credit as a advance fee to which he said he would put me on hold & ask if it could be waved.he came back and after a lot of verbiage he stated that it could not be waive. Reason did not make sense to me Therefore I am contacting you to see what my options are I have paid the fee as I do not want my credit to be damaged and hope that you can resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09 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: FL

Complaint narrative:
There is a fraudulent account on my credit report. I have tried to dispute it with Experian but there is not way to do it electronically and the phone number provided does not connect to anyone. I have no knowledge nor business agreement with XXXX XXXX XXXX nor their client XXXX XXXX. 

My identity has been stolen in the past and my information compromised during the Experian breach. I am XXXX  XXXX so I can not drive a car so there is no need for my to apply for car loans nor insurance!

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 2020-04-09 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Multiple missed payments were reported for my Navient account across all 16 of my student loans while I was in forbearance. Ive asked Navient to provide proof of the forbearance terms and they were unable to furnish that communication. They stated that the forbearance was verbal via phone and the representative I was working with likely entered something into their system incorrectly. I also received no communication before or during the months of XXXX, XXXX and XXXX when these accounts were reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
Hi, I contacted you in XXXX about my student loans and now it seems like since I contacted you, my student loans balance has gone down somewhat, which further lets me know AES has been taking my money for over 10 years and not applying my payments to my loans. My name is XXXX and I consolidated my student loans with XXXX XXXX in XXXX and it appears my loan was sold to XXXX XXXX XXXX who changed their name to American Education Services. This company has had many complaints over the years and they are continuously taking advantage of customers. I cant even target my payments to specific loans. My original loan amounts are as follows : 1. Beginning balance XXXX} ( sub ) Current balance XXXX  2. Beginning balance {$1900.00} ( unsub ) Current balance $ XXXX} 3. Beginning balance {$XXXX ( sub ) Current balance {$12000.00} 4. Beginning balance {$14000.00} ( unsub ) Current balance {$11000.00} Totol due as of XX/XX/XXXX {$27000.00} I have been making payments towards my student loans since XX/XX/XXXX, over 10 years and I still owe {$27000.00}?? Something is wrong!!! Since XXXX, my payments were between $ XXXX {$200.00} and as of XXXX, my payments are {$380.00} a month. 
I have contacted AES on several occasions to have them explain to me why I still owe them so much money. Unfortunately, their response doesnt justify the money I have already paid over the years and the remaining balance. I have been trying to research who I can speak with to have my consolidated student loan researched for accuracy and not doctored up documents. 
Would you be able to assist me? 
Here is the contact information I have for AES : American Education Services XXXX. XXXX XXXX XXXX, PA XXXX XXXX American Education Services XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX I made a credit card payment to Bank of America for the balance of my statement. On XX/XX/XXXX Bank of America charged a duplicate payment against my account. The total of the payments was almost XXXX}. Bringing it over the XXXX dollar balance of the account I call immediately and requested a refund of the duplicate payment I was told it would take up to 7 days. 

I received no refund. I called back after 10 days and was informed it would be escalated and that I would receive my funds within 48 hours. I called back 4 days later and had received nothing. I was told they could reescalate but it would take up to 7 days. At this point Bank of America has held an interest free loan from me for 18 days and shows no inclination to return my payment. I immediately closed my account but have no resolution.

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 monetary relief
Consumer complaint received 2020-04-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a credit card from CBNA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CBNA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and CBNA  with no successful resolution. XXXX only  reporting me 30 days late in XX/XX/2013. There was an error on their part. I was never 30 days 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 2020-04-09 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: GA

Complaint narrative:
Multiple missed payments were reported for my XXXX account across all 16 of my student loans while I was in forbearance. Ive asked XXXX to provide proof of the forbearance terms and they were unable to furnish that communication. They stated that the forbearance was verbal via phone and the representative I was working with likely entered something into their system incorrectly. I also received no communication before or during the months of XXXX, XXXX and XXXX when these accounts were reported as delinquent.

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 2020-04-09 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: GA

Complaint narrative:
Multiple missed payments were reported for my XXXX account across all 16 of my student loans while I was in forbearance. Ive asked XXXX to provide proof of the forbearance terms and they were unable to furnish that communication. They stated that the forbearance was verbal via phone and the representative I was working with likely entered something into their system incorrectly. I also received no communication before or during the months of XXXX, XXXX and XXXX when these accounts were reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: GA

Complaint narrative:
Multiple missed payments were reported for my XXXX account across all XXXX of my student loans while I was in forbearance. Ive asked XXXX to provide proof of the forbearance terms and they were unable to furnish that communication. They stated that the forbearance was verbal via phone and the representative I was working with likely entered something into their system incorrectly. I also received no communication before or during the months of XXXX, XXXX and XXXX when these accounts were reported as delinquent.

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 2020-04-09 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: CA

Complaint narrative:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  with no successful resolution. Experian only reporting me 30 days late in XX/XX/2013. There was an error on their part. I was never 30 days 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 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
NewRez LLC wilfully breached its contract with us and violated federal and NY state law when it wilfully and intentionally failed to fund the loan herein. There is no condition in either the commitment letter or the conditional approval notice or law or regulation which allows them to fail to fund the loan herein.The three day right of recission under federal law is there for the borrower only. 

Once the closing occurred on XX/XX/2020, the funds for the loan were required to have been segregated so that the same would be immediately available on XX/XX/2020. Instead, late on XX/XX/2020 New Rez e-mailed the mortgage broker and told them they were not funding the loan. If the loan herein were for the purchase of the property it would have funded on the closing date. I attach the closing disclosure and commitment and approval notice. 

We called them e mailed them wrote them and had an attorney write them all to no avail. 

We want them to immediately fund the loan and pay of any all costs incurred by my clients as a result of their actions herein. 

They closed the loan and failed to fund and costs me a ton of money and ability to refinance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I got into a severe car accident back in XXXX and since then I have been trying to have GAP INSURANCE to pay for the deficience balance of {$6000.00} and they finally sent {$4500.00} last towards that and mailing out the difference this month. I am really concerned about the account because the lates shouldn't be there if GAP acted in a timely manner. I am pleading to you to have these lates removed or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I am writing this complaint because I have been very stressed because of this issue. 
Freedom Mortgage has been reporting false and erroneous information to the credit bureaus. 

They have committed multiple violations to the California Credit Reporting Act : - Incomplete information. 
- Different reporting across bureaus. 
- Failing to investigate accounts. 

So many other violations. Please send the attached documents to Freedom Mortgage. 

Thank you so much, CFPB.

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 2020-04-09 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I had paid off my Nordstrom card in full by XXXX of XXXX. There was a {$17.00} balance on the card that I was not aware of an wasnt contacted regarding paying. I have a clean history of payments for the 15 years of credit history on my report, after 30 days, Nordstrom sent this to collections without contacting me. The effect on my score was detrimental and dropped it down over 70 points. 

I called Nordstrom on XX/XX/XXXX to resolve and they stated their was nothing they could do. I closed the account after making the final {$17.00} payment. 

Ive been working with Transunion since XX/XX/XXXX to fix my score, but havent had success at this point in time as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: IL

Complaint narrative:
I have disputed the unverified and inaccurate account from XXXX XXXX with Equifax on XXXX XXXX, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof of my obligation of this alleged debt as requested. 

I believe this account does not belong to me. During the time I was disputing this account, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this account does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: IA

Complaint narrative:
I have previously disputed several items with TransUnion and submitted proof to them in the form of a chat log from the original creditor that an item ( XXXX ) has never been late. They have failed to remove this information. I have resubmitted the dispute with the proof attached and they do not have the item even marked as in a disputed status. When I called in and asked them why it was not marked as disputed, they said they have exactly 5 days to do that. Today is 6 days since I have filed the dispute and they have not updated the information. Besides the XXXX account, there were other accounts that I submitted with proof besides XXXX that TransUnion has failed to at least mark as disputed.

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 2020-04-09 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: IL

Complaint narrative:
I had paid off my XXXX card in full by XXXX of XXXX. There was a {$17.00} balance on the card that I was not aware of an wasnt contacted regarding paying. I have a clean history of payments for the 15 years of credit history on my report, after 30 days, XXXX sent this to collections without contacting me. The effect on my score was detrimental and dropped it down over 70 points. 

I called XXXX on XX/XX/XXXX to resolve and they stated their was nothing they could do. I closed the account after making the final {$17.00} payment. 

Ive been working with Transunion since XX/XX/XXXX to fix my score, but havent had success at this point in time as of 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 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
They cancelled my account based on I did not response to their email .The problem is they sent it to my unsecured personal email account for personal information. I thought is a fishing email so I deleted it. NO FINANCIAL INSTITUTE SEND UNSECURED MESSAGES FOR PERSONAL INFORMATION. I like to found out why they do not send the requests with secure message through my on line account. 
I have requested the closure letter at least twice, I have not received the letter yet, please have them to send to me the letter as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: IA

Complaint narrative:
I have disputed with Equifax several times an inaccuracy on an account that appears on my credit report. This inaccuracy is a late payment that appears in XX/XX/2019 on my XXXX XXXX. I have submitted proof in the form of a chat log with XXXX customer service where they acknowledged that the account was never late. I have talked with customer service at Equifax about this dispute and they have acknowledged that I did previously dispute this item and they saw my attached proof that the account was never late but still refused to remove it and said the dispute was an automated process where they send over a 2 digit code to the creditor which doesn't even contain my proof.

Company response to consumer: Closed with explanation