vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I get calls almost every other day from Capio partners. When I am able to answer I state that I do not owe the debt and that I have already contacted insurance company to verify. I am repeatedly told that you are stating that you refuse to pay the debt and we will note your account as such and when I try to speak to defend myself I am hung up on. This happens every time and I consider this harassment and falsifying records because I am not refusing to pay debt I am stating it is not mine to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14 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: NC

Complaint narrative:
I previously sent four dispute letters to Experian since XXXX of XXXX, in regards of a XXXX XXXX XXXX account number XXXX that was never validated I pointed out the inaccuracies on all three of my credit reports which shows the open date on XXXX  and XXXX is XX/XX/XXXX but on Experian, the open date is XX/XX/XXXX I wrote to them according to the FCRA this is not 100 % correct and it's inaccurate and it needs to be deleted. Also, Experian told me that unless I send them additional relevant information to support my claim and that they want investigate, even tho I pointed out the inaccuracies. This is my 3rd and final complaint before I sue Experian in federal court.

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 2020-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I invited my daughter to join CASH APP and we each got a {$5.00} bonus. The {$5.00} bonus showed up right away. She then initiated a payment to me in the amount of {$170.00} on XX/XX/XXXX. I immediately received a text notification from CASH APP about the {$170.00} payment, but the payment never showed up on my CASH APP acct. I went through their help menu and followed their instruction to add my cell number to my acct. Still never showed up. Other payments I have sent and received to/from other individuals have appeared right away. There is still no sign of the {$170.00}, even though it was taken out of my daughter 's bank acct on XX/XX/XXXX. I have sent numerous emails, XXXX messages, XXXX messages, and even XXXX about it. I have tried calling every number I can find and they either don't work, or have only a recorded menu telling you to go back to their online help. They either need to refund my daughter 's money, or process the payment so it actually comes to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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 have been slowly and accurately been paying down my debt, my credit score goes up only by small amounts. When my car loan showed it decreased by XXXX which it actually decreased by more because I ALWAYS MAKE ON TIME PAYMENTS IN MY ACCOUNTS, XXXX AND EQUIFAX LOWERED MY CREDIT SCORES BY 23 POINTS. The whole idea of paying down your credit obligations is to have your CREDIT SCORE GO UP NOT DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: NC

Complaint narrative:
I have been slowly and accurately been paying down my debt, my credit score goes up only by small amounts. When my car loan showed it decreased by XXXX which it actually decreased by more because I ALWAYS MAKE ON TIME PAYMENTS IN MY ACCOUNTS, XXXX AND XXXX LOWERED MY CREDIT SCORES BY 23 POINTS. The whole idea of paying down your credit obligations is to have your CREDIT SCORE GO UP NOT DOWN.

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 2020-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: MN

Complaint narrative:
Attempted to settle an unfair medical debt with Medicredit , INC . I was quoted a {$650.00} -- one-time payment and was disconnected. When I called back, I was was informed the company could NOT settle for less than {$750.00} --. The company refuses to acknowledge its initial offer.

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 2020-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: AZ

Complaint narrative:
American Education Services claims it is exempt from the CARES Act that mandates all Federal Student Loans must be put in automatic no-interest forbearance due to the COVID-19 crisis. They are claiming that the CARES Act applies only to loans held by the ED ( Department of Education ), and not by lenders such as themselves. They claim that I do not have Federal Student Loans with American Education Services that fall under the CARES Act. 

I, in fact, do have Federal Student Loans. These are not private loans. I got them when I was in school in XXXX, and my Federal Student Loans were serviced by XXXX. In XXXX, American Education Services purchased my loans from XXXX, without any input nor approval from me. When I log in to American Education Services, and look at my loans, I have two loans : One XXXX Loan, and one XXXX Loan. 

I am requesting that American Education Services comply with the instructions mandated in the Federal CARES Act, and place my loans in ZERO-INTEREST Hardship Forbearance, as required by the Federal Government in the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingUSA
State: NY

Complaint narrative:
Loan was paid in full on XX/XX/XXXX resulting in a over payment of around {$650.00}. Few days after loan was paid, I called and requested a refund on the over payment. Towards end of XXXX, I called to see what the stasis of my refund was and the gentlemen stated a check was mailed on XX/XX/XXXX and due to the pandemic, the postal services were being delayed even though I've received all other mail correspondence pertaining to the loan being paid in full. I also checked with my local post office and was told that there were no delays in the mailing service and everything is on schedule. So I waited and called them back on XX/XX/XXXX and let them know I still haven't received the refund check. Now they tell me the check was not mailed on XX/XX/XXXX but was mailed on XX/XX/XXXX. Today is XX/XX/XXXX and still haven't receive my refund. After checking into this loan company, I see they have multiple complaints against them for doing the same thing and giving consumers a hard time refunding money with the XXXX. These complaints stem back several months way before the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: WI

Complaint narrative:
On XX/XX/XXXX I started receiving alerts from XXXX and Equifax that a collection was added to my credit report from XXXX XXXX in the amount of {$1200.00}. I have never heard of them, was never notified by them in ANY form in regards to the inaccurate information they put on my credit report. The inaccurate information on my report says the they are a debt buyer who has this item listed me as individual responsibility which is incorrect. It also says the credit limit is {$1200.00} which is incorrect, I had no credit limit with them. It also says terms are for 1 month which is incorrect. It also says date of status as XX/XX/XXXX. According to the Fair Credit Reporting Act, anything reported on my credit file MUST BE ACCURATE IN ITS ENTIRETY OR BE REMOVED. THE FAIR CREDIT REPORTING ACT STATES ANYTHING THAT IS INACCURATE, INCOMPLETE OR THAT CAN NOT BE VERIFIED MUST BE REMOVED. XXXX XXXX, Equifax, XXXX  has violated my consumer rights in a scare tactic to force me to pay them monies they are not owed. I do not have any business with them nor did I authorized any company to sell or use my social security number to access my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have on numerous occasions asked, requested, and demanded that the 3 major reporting credit agencies Remove any and all fraud alerts and statements attached to my credit profile. Seemingly that the credit agencies has somehow over looked my request, Im now filing an official complaint and re requesting that the 3 major credit bureaus, ( Transunion, XXXX, and XXXX ) Remove All Fraud Alerts and Statements from my credit profile.

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 2020-04-14 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: Oklahoma Student Loan Authority
State: NC

Complaint narrative:
During XX/XX/2019 I discovered that some of my friends were illegally obtaining specs to my devices and use mobile device management XXXX XXXX XXXX and XXXX software on my phones and devices. This allowed these persons to obtain credit, fraudulently sign for student loans, and launder money through my bank account from other schools I have not attended ( including XXXX XXXX. They used those loans for person purchases including purchases for their kids, trips, vacations, and divorce lawyers. Despite ample evidence and the hiring of a PI, I have no been able to get assistance outside of those I talk to on the phone. My banking institution I was with XXXX does not return emails or voicemails. The one police report I obtained, does not offer any information outside that I have reported identity theft. Also, fraud departments are not calling me back ( though this may be due to COVID  ). However, I am sitting at about XXXX of student loans that have been absorbed by my ex friends, and XXXX XXXX of fraudulent student debt with no resolve in sight of obtaining those funds back. I understand that my ex friends are influential, which is how they were able to put my phones and laptops on their company plans illegally, however I am not going to be liable for their Chick-fil-a runs in other cities all day. 

The school loans fraudulently obtained occurred while I was attended XXXX University beginning in the year XXXX. My loans are now almost maxed out. 

Also, I am aware that my name and address were changed fraudulently across all of my accounts, which is how I discovered SOME of them. Their address at XXXX XXXX XXXX. XXXX XXXX XXXX nc is listed fraudulently on my credit report. The XXXX XXXX picture I'm attaching is ONE piece of evidence. I called XXXX - the ONLY way they would have been able to put my phone on XXXX is that someone in XXXX XXXXr XXXX XXXX gave them specs to my device. I obtained a new XXXX XXXX XXXX XX/XX/2019, with a new XXXX, new number, and new email and XXXX XXXX - XXXX XXXX began showing on the phone. There is a ticket ID in XXXX for the craziness I have experienced # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: LA

Complaint narrative:
On XX/XX/2020 I sent a dispute letter to Experian regarding a XXXX account listed on my credit report. I sent a factual dispute with screenshots pointing out the errors and inconstancies listed. I recieved a letter stating that, " Unless I send relevant information to support my claim it will not be reinvestigated. '' Well I sent a screenshot of the adverse information. That should be " relevant ''. In the screenshot you can clearly see there are discrepancies from one credit bureau to the next. If this is the same company sending information regarding an account it should match.

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 2020-04-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX, Chase cards I waited a long time asking XXXX to provide the requested services. THey abandoned us and kept the money. Chase wouldn't refund our money because it had " been too long ''. But I did not know that I would be punished for giving XXXX lots of time. Refund {$1000.00}. 

XXXX XXXX has sent nasty emails to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: CA

Complaint narrative:
I just checked my credit report and there is a new collection from " Enhanced Recovery System '' this is an item that I have no knowledge about. I have sent debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MidAmerica Mortgage Inc
State: OH

Complaint narrative:
My mortgage was purchased from XXXX XXXX XXXX by Mid America Mortgage XXXX. XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX. I have made numerous phone calls asking Mid America Mortgage why my mortgage with them is not reporting to the credit bureau. They have told me over and over again since the middle of XX/XX/XXXX that it will be next week. I spoke with XXXX, Manager ID # XXXX on XX/XX/XXXX and she stated they are running their test data and she is hopeful they will have the reporting in by XX/XX/XXXX with all data supporting payment history back to XX/XX/XXXX. She stated they are required to have this completed by XX/XX/XXXX or they will not be able to update the credit bureau and my credit rating. Since my mortgage is no longer on my credit report my credit score has dropped by over 100 points. I have damages associated with Mid America 's inability to perform their tasks as they should based upon the Fair Credit Act. I am very did-satisfied with Mid America Mortgage and expect them to report my credit history immediately and I in turn expect to be compensated for the damages I have incurred due to the reduction in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
I have a home loan through Loan Care. This company keeps returning my payments no matter how I have tried to pay them. I have several returned payments in my possession that need to be applied to my account but Loan Care keeps returning them to me. I have even had my bank try and submit payments for me and they keep getting the wires and payments returned as well. I am being told that it is not the full payment this is why they are returning so I have sent a copy of the Illinois Law 205 ILCS 635/5-8.5 stating that even if a person is behind on their mortgage the loan company still is required to take payments as long as there is a full month of payments trying to be submitted. I currently have 4 full monthly payments in my possession with another being ready to have as well that I can not get this company to take. I am getting no assistance from them when i call their number and when they call me it is just a recording stating to call them. I have reached out to my state representative who is also been trying to assist me with this problem per direction from my bank. I dont know what I am to do and this problem is just getting worse as time goes on. They are sending people to my home to several times a week to confirm it isnt vacant and charging me fees each time. The lady reported I am there and have been cooperative with here and they insisted she post an abandoned notice on my door. She advised me as well to reach out to someone as well because she didnt understand why she was still being instructed to do all these things. I need help since this company is clearly doing things that they are not suppose to be doing to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I returned an item, by US mail, and the merchant did not credit my account. I sent two letters to BOA asking them to investigate. I provided a tracking number but they did not respond

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 2020-04-14 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: MO

Complaint narrative:
I have on numerous occasions asked, requested, and demanded that the 3 major reporting credit agencies Remove any and all fraud alerts and statements attached to my credit profile. Seemingly that the credit agencies has somehow over looked my request, Im now filing an official complaint and re requesting that the 3 major credit bureaus, ( XXXX, XXXX, and Equifax ) Remove All Fraud Alerts and Statements from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have on numerous occasions asked, requested, and demanded that the 3 major reporting credit agencies Remove any and all fraud alerts and statements attached to my credit profile. Seemingly that the credit agencies has somehow over looked my request, Im now filing an official complaint and re requesting that the 3 major credit bureaus, ( XXXX, Experian, and XXXX ) Remove All Fraud Alerts and Statements from my credit profile.

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 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I have a Citi Double Cash mastercard. Per Citi, the interest rate for purchases is 15.995 %. I mistakenly underpaid my XXXX statement by {$20.00}. I was charged {$22.00} in interest for this {$20.00} mistake on my XXXX statement. I called Citi to ask about the {$22.00} interest charge and they pointed out my {$20.00} mistake and agreed to remove the interest charge. I also then immediately paid {$100.00} to the Citi account to cover the {$20.00} shortage, and to make sure that any interest would stop accruing. I also paid my XXXX statement in full a week later ( before the due date ), then also received a vendor refund for {$210.00} before the XXXX statement due date, effectively meaning that my credit card account was overpaid ( i.e. the combination of my payments and vendor refunds was more than I owed to Citi. ) Yet, in my XXXX card statement, Citi charged another {$63.00} in interest charges. Citi representatives say that this is additional interest accruing on the {$20.00} underpayment from XXXX ; the representative says that even if the account is paid in full, Citi continues to charge interest for at least two additional months!. Citi refused to remove this interest charge. By my math, the two interest charges amount to more than a 2,500 % interest rate on the {$20.00} underpayment ( vs the purported 15.995 %, plus Citi 's initial claim that they would remove the interest from my account as I made a small mistake. ) It is criminal and/or unethical that Citi 's interest charges amount to >2,500 % annual rates, and that Citi continues to accrue interest for at least two months even after the account is paid in full!

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 2020-04-14 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: CO

Complaint narrative:
My credit history age has been consistently low for the entire time I've had credit. I have credit cards and auto loans for 10+ years, yet me credit age consistently says it's only 1-3 years old. This affects my score and at times has affected my ability to get loans.

Company response to consumer: Closed with explanation