vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 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: FL

Complaint narrative:
I sent a bill pay of XXXX on XX/XX/XXXX through my bank - XXXX XXXX to cabelas MasterCard XXXX in Nebraska. 
I called cabelas as it was not showing as paid. They said they never received it. 
So I called my bank at XXXX XXXX. XXXX XXXX showed me how to get proof of payment. The same day I uploaded to their secure site the proof of payment. While discussing it was noted it went to the old credit card number for payment and I updated to the new. But cabelas was aware it was sent bill pay electronic and was sent using previous credit card number. Which I did not keep but they had. 
XXXX credited my account XXXX for the XXXX while they investigated. On XX/XX/XXXX there was a credit and debit for this amount. On XX/XX/XXXX they removed the credit for my payment. On XX/XX/XXXX I noticed my payment was removed called to ask where my payment went. They said they couldnt find it and were very rude. Said they wont give me credit for my payment. 
I called XXXX XXXX and they started the process to find out who at cabelas signed for the electronic check. XXXX XXXX said if they cashed the money Cabelas will have to give it to me. But cabelas is NOT giving me my payment. 
I am now out XXXX and cabelas refused to find my payment of which I have proof it was electronically sent via bill pay to them. 
So essentially they stole my money If they are doing this to me how many others?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2021-11-16 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: NY

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EOS Holdings, Inc.
State: DC

Complaint narrative:
EOS CCA IS REPORTING A FRAUDULENT ACCOUNT ON MY CONSUMER REPORTS. I HAVE CONTACTED EOS CCA SEVERAL TIMES AND THEIR RESPONCE IS THAT THEY DO NOT HAVE A CONTRACT TO SEND TO ME AFTER REQUESTING DEBT VALIDATION. I HAVE NO CONTRACT WITH EOS CCA. EOS CCA HAS COMMITTED FRAUD BY PLACING THIS ACCOUNT ON MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reached out several times to have this issue corrected and I have never received a response back. I was out of work due to COVID and had a loss of income and missed a payment. Before COVID I had a stellar payment history and never missed a payment, also all my deductions going forward are on auto-draft to avoid any late payments. XXXX XXXX is in clear violation of this matter due to the CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
Someone filed an unemployment claim with New Mexico XXXX XXXX with my correct DOB and SS #. And today ( XX/XX/16 ) someone filed an application for a line of credit with Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MD

Complaint narrative:
Fedloan servicing is terrible! I have met the XXXX qualifying payments and have been waiting for months to get notice of student loan forgiveness. There are frequent mistakes along the way that have only been corrected with repeated calls and my insistence. The past XXXX times that I have called, I have been on hold for close to 2 hours and the phone has hung on me without speaking to a person. This is the absolute worst customer service I have ever seen!!! Something should br done given widespread complaints and poor service!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: TX

Complaint narrative:
I XXXX XXXX a federally protected consumer under the FCRA has recently reviews Transunion my consumer report and I've noticed XXXX unauthorized inquires and XXXX fraudulent account XXXX XXXX XXXX XXXX Amount # XXXX that was not authorize by me the consumer. Pursuant to the FCRA 15 U.S. Code 1681a credit reporting agencies report 100 % accurate and verifiable information. This same XXXX XXXX XXXX XXXX account is not reporting on my XXXX Credit file that I will attach to this complaint. I never authorize the inquiries or authority to furnish these deceptive and misleading items and this Constitutes a violation of my federally protected consumer rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy under the 4th amendment rights. I will also have my Identity theft Report ( FTC Affidavit ) Attached.

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 2021-11-16 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had a Barclays View Mastercard which incurred a fraudulent charge on XX/XX/2021, for {$530.00}. 

I was unaware of this, and the card had actually not been activated at the time of the charge. I became aware of the charge on XX/XX/XXXX, when I received an email that I had a payment due on XX/XX/XXXX. 

I immediately called Barclays to report the fraudulent charge, and also to close the account. I was told by a Relationship Manager that an investigation would be opened, that the charge would be tagged as fraud, and that I would receive a confirmation of this. 

This did not occur. After checking the account again on XX/XX/XXXX and seeing that the {$530.00} balance was still posted, I called Barclays again. Again I was told that the charge would be marked as fraud, and that it would be resolved within 24-48 hours. The Relationship Manager said that, in fact, it had not been tagged as fraud ( as the employee from the initial call assured me it would be ).

I was also told that identical charge attempts had been made previously on the card, but were rejected. Prior to my calling Barclays, I was never notified of any of this. 

I checked the balance once again on the due date, XX/XX/XXXX, to find the balance still active. I called again, and once again, the Relationship Manager said that the charge had not been tagged as fraud, despite the assurances from both previous calls. Once again I was told that the charge would be tagged and resolved within 24-48 hours. 

I requested written/email confirmation of this, but Barclays refused to provide it. 

I am left with the conclusion that Barclays is simply lying about fraud investigations to customers. Due to their deception and inaction, my credit score appears likely to be hurt, because it will appear that I simply did not pay this balance.

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 2021-11-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
In XXXX I was an out patient at XXXX XXXX XXXX in XXXX XXXX NJ. I had visited XXXX XXXX XXXX PA on occasion in the past before XXXX. At the time my health care coverage was with XXXX XXXX XXXX however after my XXXX birthday when XXXX became my primary and XXXX XXXX XXXX XXXX unknowingly failed to update my coverage with XXXX XXXX XXXX XXXX Unbeknownst to me the office visit to XXXX XXXX XXXX XXXX unpaid. I DID NOT RECEIVE A BILL for the service and would have taken care of it had I known that it existed. I became aware of the unpaid bill when checking my XXXX Credit Report in XXXX. I never received any notification from XXXX XXXX XXXX nor from the collection company identified on my credit report as XXXX XXXX XXXX XXXX I feel that their Practices are Improper and unsavory. I am concerned not only about my situation but other individuals as well. If you look into this matter I believe that you will find that individuals have been victimized by this SCHEME. I have the ability to pay the bill. The bill is for {$120.00}. I should have been notified that it was outstanding and given the opportunity to pay it.

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 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TekCollect Inc.
State: NC

Complaint narrative:
Contacted the collection company about this account being fraud XX/XX/2021 there was an derogatory mark added to my account by TEK COLLECT I have no dealings with them I have no debts someone used my name to create fraud the worker hung up on me when I asked questions regarding the account Motion Remedy Claim for Damages In Re : Pub Res No. 10 Pub Law Ch. 48, 48 statute 112. Pub Law 73 10. HJR 192 ; 31 USC 3123, 5103, 5312 ; 18 USC 8 ; 12 USC 411 ; 28 USC 1746 ; 42 USC 408 a8 penalty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC bought out my bank about a month ago and I have not been able to on-line banking since then. I have call customer service and several times and even went into a branch. I have yet to get a person on the phone even after waiting over 30 min. and they could not help me at the branch. I need access to my money and they are making it extremely difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XXXX of XXXX my family and I were heading on vacation to XXXX and during this time Ditech Mortgage was undergoing a transition with Shellpoint Mortgage Servicing. As is assumed, borrowers received monthly mortgage statements, however during the month of XXXX of XXXX, I did not received a statement from the acquiring party, NewRez LLC DBA Shellpoint Mortgage, nor did I receive one from Ditech Mortgage. So I was left with the decision to pay my monthly mortgage on XX/XX/XXXX made out to Ditech Financial for the month of XX/XX/XXXX. 
On XX/XX/XXXX, XXXX Mortgage became my new servicer. 
Ditech Financial cashed my check for {$1000.00} for the month of XX/XX/XXXX. 
Shellpoint claims to have never received a check from me for XX/XX/XXXX. 
We have attempted to dispute this with Shellpoint on XXXX, but they never got back to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Peter Roberts & Associates, Inc.
State: NJ

Complaint narrative:
I was sent a bill of debt collection for the amount of {$400.00} from Peter Roberts & Associates , Inc, a collection bureau. The creditor is XXXX XXXX XXXX XXXX. In the bill the company has violated many of my rights under the Fair Debt Protection Act. Such codes as 15 USC 1692 b ( 2 ) for sending my debt to experience, XXXX and XXXX credit bureaus along with sending notice to my name spelled in all capitals as that is not my name and was pursued to owe this debt. Along with other codes such as, 15 USC 1692 e ( 2 ) ( a ), 15 USC 1605 ( a ), 15 USC 1692 f ( 1 ), 15 USC 1692 d ( 2 ), 15 USC 1692 f ( 6 ), 15 USC 1692 f, 15 USC 1692 c ( a ), and 15 USC 1692 b ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Summary : In the monthly statement ending XX/XX/XXXX, American Express charged me an interest amount that is XXXX times that of interest that I actually owe. 

Detail : In the preceding statement period, I paid off the minimum balance due ( {$35.00} ) before due data ( which was XX/XX/XXXX ) and the remaining statement balance ( {$670.00} ) a day after the due date ( on XX/XX/XXXX ). I have a promotional APR oXXXX XXXX XXXX till XX/XX/XXXX. Based on my calculation, the interest I am subjected to on my remaining statement balance is ( XXXX {$670.00} ) XXXX = {$0.00}. However, American Express charged me {$1.00}, an amount that is almost XXXX times that of what I actually owe. When I reached out to American Express about the issue, they said that I am wrong, that they calculated the interest amount correctly, and that this is how their " system '' calculates interest payments for everybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: MD

Complaint narrative:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I never gave permission for my loan to be sold to Mr. Cooper/Nationstar. Unfortunately, I hear it's totally legal. Anyways, their company is TERRIBLE. 

On my first mortgage payment, they took double what I owed, on the XX/XX/2021 and XX/XX/2021. I've been trying to get it back unsuccessfully for XXXX weeks now. As a result, our bank account balance is negative and we have received penalties from our bank that we must now pay. Also, the entire situation is emotionally and financially stressful. 

I wish we could choose who our loan is sold to. This company is absolutely horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I XXXX XXXX a federally protected consumer under the FCRA has recently reviews Equifax my consumer report and I've noticed XXXX unauthorized inquires and XXXX fraudulent account XXXX XXXX XXXX XXXX Amount # XXXX that was not authorize by me the consumer. Pursuant to the FCRA 15 U.S. Code 1681a credit reporting agencies report 100 % accurate and verifiable information. This same XXXX XXXX XXXX XXXX account is not reporting on my XXXX Credit file that I will attach to this complaint. I never authorize the inquiries or authority to furnish these deceptive and misleading items and this Constitutes a violation of my federally protected consumer rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy under the 4th amendment rights. I will also have my Identity theft Report ( FTC Affidavit ) Attached.

Company response to consumer: Closed with explanation