vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 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:
When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. I simply request that you remove this account in its entirety from my credit report. Based on my research, I'm requesting to further clarify your compliance with Metro2 Compliance. I also demand your agency to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately. 

These are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: LA

Complaint narrative:
When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. I simply request that you remove this account in its entirety from my credit report. Based on my research, I'm requesting to further clarify your compliance with Metro2 Compliance. I also demand your agency to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately. 

These are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: LA

Complaint narrative:
When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. I simply request that you remove this account in its entirety from my credit report. Based on my research, I'm requesting to further clarify your compliance with Metro2 Compliance. I also demand your agency to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately. 

These are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One reported a 30 day late. I was called and they said I was late. They said they received my payment but the bank, ( XXXX  XXXX XXXX ) XXXX did not honor it. I called the bank and they denied that my check was returned. 

On XX/XX/XXXX I called and paid the XX/XX/XXXX and the XX/XX/XXXX payment this is less than 30 days. They have omitted the late charge of {$28.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Unfair reporting of credit scores by including scores that have been paid off as not paid off. Student loans included in score, however the loans were paid off when President Obama paid off student loans for XXXX recipients. Car loan charged off and car resold they are reporting it as full amount owed and still open. When capital one got a hold of my credit information through applying for a Walmart store card. They are using unfair practices to keep me from getting approval of any credit. Reflecting low scores on my credit report because of their dishonest practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020 I contacted Chase in regards to a deferment of my mortgage payment due to the COVID-19. Representative said she enrolled both my mortgages into the 90 day deferment  payment assistance program. I was told on a recorded line that I would not have to make my payments for 90 days and before that time was up they would call me with my options at this point its to early to say what will be done at the end. On XX/XX/XXXX I received an alert on my credit report that I 30 days late on my mortgage. I contacted Chase in regards to this, they reviewed my account and will listen to the phone call to review. Chase did waive the late charge for XXXX. I heard back from Chase and they said the correction is being sent to the credit team and it will be 3-4 days. I explained that due to the COVID-19 i may need to get a loan and this will change my credit report in a very negative way, I have never been late and have paid an extra {$110.00} payment each month for many years, I have called back various times and they are still working on it .I have been denied a loan due to my credit score which has went down due to chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Webcollex, LLC
State: RI

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase has reported that I over extended my credit limit, Chase added a late payment and interest charge which was not suppose to be added to my account which over extended my account. Chase has since removed the associated fees due to me being in enrolled in the payment assistance program due to COVID-19. I was told by the representative that I was enrolled and Chase reviewed the phone conversation and seen there was an error. Since then I have been contacting Chase to remove the error regarding me over extending my credit limit and this effected my credit in a negative way and was denied credit based as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Property was damaged or destroyed property — 
Company: Wexford & James LLC
State: CA

Complaint narrative:
Alterations to a items tag or complete removal of it before it reaches the end user.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Main problem is with Wayfair -Commenity Bank : A payment was purposefully sent prior to the end of the promotional period on XX/XX/2020 in that amount of {$280.00}. It did not apply. This incurred. me {$190.00} off promo plus another {$48.00} fee. This I had been making multiple large payments to pay this bill off starting in XXXX the original amount was between $ XXXX. Literally I paid over {$660.00}, and now the want {$360.00} more. 

I fell that the off promo is a scam and if you wait to pay it off the last month before the back interest they will purposefully slow down posting payments. 

The fees are also ridiculous. 

$ 28.9 % interest should be illegal. We used to call that loan sharking. There should also be a limit and payments have to be posted and be processed in 24 hours of receipt! The are taking my money and not paying my bills!! 
2nd problem with Come its I called and got through only once. Sent 2 emails. 

Secondary problem Same creditor but different card-Comenity-XXXX I made the mistake of opening a card buying in a XXXX store and never received my card or bill! Also they have wrong address, one I lived in 5 years ago! It was supposed to be fixed after I called to get it fixed and can not get back through. No bill no card!! bad credit. These people are ruining me. 
With the COVID19 I cant fix XXXX account in person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08 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: FL

Complaint narrative:
Macy 's # XXXX Ex Girlfriend had put me on the account as an authorized user without my knowledge. It is now on my credit report, and keeping me from buying a home with my 3 kids.

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 2020-05-08 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: MAJR Financial Corp
State: MA

Complaint narrative:
I was never late on this account MAJR FINANCL XXXX on XX/XX/2019. I alwas pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: Nelnet, Inc.
State: MA

Complaint narrative:
I disputed this already but I still seeing repetitive 120 days late remarks on this account USDOE/GLELSI XXXX which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: CITIBANK, N.A.
State: ME

Complaint narrative:
I was advised, without any prior warning, that one of my longest open lines of credit was being closed. I was advised by Citibank that the account had not been used recently and they had the right to close it. As a result, my credit score took a significant hit, as they both increased by debt to credit ratio AND reduced the average age of open accounts. When contacted they REQUIRED me to reapply for the credit line, which they then declined- causing another inquiry on my credit score. Citibank is attempting to cause me financial harm when I have never missed a payment on any other credit line I have with 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 2020-05-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Issue : Wells Fargo will not give me a copy of my application. 
Events : XX/XX/2020 : I submitted an application online. XXXX XXXX XXXX stayed on the phone, to provide support for the process during this 1.5 hr process. When the application was submitted, I did not get a copy automatically. It was not available on the " loan tracker. '' The loan tracker is not updated and inconsistent with emails and conversations with the banker. 
Banker referred me to his supervisor, XXXX XXXX : he did not get a copy for me. Finally, I was referred to the Executive Office : Wells Fargo can't give me a copy : the bank maintains the data in  their " system '' but can't save, print, fax or email a copy. 
Note that I have multiple accounts with Wells Fargo and in fact, I have an existing HELOC with XXXX balance and the draw period ends in XXXX. I have excellent credit. I put 1.5 hours into completing the application : it is my data and my work. If XXXX. declines, I can use the collected data to apply to another bank.

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 2020-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I first opened TV service with XXXX XXXX in 2015, i had the service since i moved 3 times with the service. The first move i made the customer service person canceled my service resulting in a cancelation fee and just issued me a new account not telling me what she had done. It wasnt until i saw this {$800.00} bill from them show up on my credit. I called them and the credit department is reducing to fix it i disputed it they refuse to remove it. This is holding me back from buying a house. Im not paying it as i dont owe it. My service was never disconnected. I believe the sales person just wanted to have a new connect so the did this and now Im stuck with a fee. Also when i ask for documentation they state that cant provide it. So how is this valid then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USI Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I received a letter stating I owed {$860.00} in debt to a credit card from XXXX. When I initially called the rep said he could not find who it was I owed, I called again and was informed of this debt. I don't remember this card, and I did go through some old documents in my home and I have no records of this card. The company is unable to prove to me I owe the debt stating the company is no longer in business. I feel as if I am being scammed and coerced into paying money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well 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 explanation
Consumer complaint received 2020-05-08 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: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX Square , Inc, Square Up, www.squareup.com deactivated a money processing account I had with them without notice. I received an email and could not call to question why. In the email I was told the remaining balance would be released to me in 90 days. 

After receiving an email from a XXXX in Account Services I am still unable to transfer my {$1900.00} out of this companys account. I have tried unsuccessfully many times to email them back since my account is deactivated and I cant call. 

They are intentionally defrauding me out of getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A.
State: NY

Complaint narrative:
In XX/XX/XXXX, I received a letter stating I owed {$860.00} in debt to a credit card from XXXX. When I initially called the rep said he could not find who it was I owed, I called again and was informed of this debt. I don't remember this card, and I did go through some old documents in my home and I have no records of this card. The company is unable to prove to me I owe the debt stating the company is no longer in business. I feel as if I am being scammed and coerced into paying money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well 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 explanation
Consumer complaint received 2020-05-08 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: AL

Complaint narrative:
Please see the attached information as I need your company to verify your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: WV

Complaint narrative:
On XX/XX/XXXX, I secured a title loan through Anderson Financial Services , LLC, d/b/a LoanMax. Monthly payments of {$430.00} began on XX/XX/XXXX. Due to COVID-19, I was temporarily laid off on XX/XX/XXXX and for this reason, was unable to make my XX/XX/XXXX payment. I contacted LoanMax to apprise them of this situation and was told to let them know when unemployment started and I could make my payment. Imagine my surprise when I logged in to my account and found that I had over an additional {$500.00} added to my account! After making a call I found out that this was daily interest and late fees! I requested a detailed account statement and was advised that they " don't do this. '' I have also received a NOTICE OF DEFAULT & NOTICE OF LENDER 'S INTENT TO REPOSSESS ITS COLLATERAL letter from LoanMax. I understand that interest accrues when a payment is late, and under normal circumstances, this makes sense. However, mandatory business shutdowns during a nationwide pandemic, thus resulting in late payments, etc, is unusual to say the least. I don't feel exorbitant fees should be charged during this unprecedented time. LoanMax has been less than understanding and has refused to waive these fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief