vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: MA

Complaint narrative:
Have received letters from company trying to collect on a debt that was written off by the original creditor. Each letter states a different balance on the amount owed. When checking my credit report this account does not show up and it tells me that the account has fallen off. While researching online i have found out that this company tries to get you to agree that you owe the debt and they will accept a smaller amount to settle.

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 2020-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
XX/XX/15 I logged online to WESTLAKE PORTFOLIO MANAGEMENT ( https : //www.wpmservicing.com/ ) after recieving mail-notification that I had missed a car payment. This is a debt collector the original auto loan servicer sold the loan to, so they are collecting the same monthly payments. 
Upon logging in I paid {$370.00} which should have more than covered the $ XXXX monthly payment and a {$25.00} late fee. I called them afterwards to adjust my due date, and realized it wouldn't have helped, but the associate informed me that " paying more towards your bill won't satisfy the late fee ''. They told me that to make a paymen that satisfied the late fee I have to CALL THEM because " they have a button they need to hit ''. 
There was no reasonable way for a consumer to know this until they called in to the customer service line, however they make it easy to automatically deduct funds directly from my bank account online - by far the most preferred method of paying bills from any consumer. 
The wrong here is that even though I've paid MORE than expected to bring my account current there is STILL a late fee on my account. The associate didn't even offer to apply the overage payment towards the late fee, he just said it'll apply to my future payments. 
XXXX XXXX XXXX was struck with a UDAAP violation ( I worked there at the time ) for having the same billing practice where if the customer didn't satisfy the late fee, they'd continue to hold the account in late/delinquent status. 
They also call +6 times a day the first day it falls 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 2020-09-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The accounts listed here do not belong to me it has been over 120 days and no resolution has been made. This is supporting fraud. I demand that they be removed now because it is stopping me from obtaining gainful employment. If the credit bureaus do not remove these items I will file a lawsuit. Fraudulent accounts are as follows : XXXX XXXX XXXX, XXXX XXXX, {$13000.00} ; XXXX XXXX XXXX, XXXX XXXX {$93.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I submitted a dispute to Equifax about an inaccurate report from a third party company. I submitted my evidence that the report was inaccurate and the source of the record does not give that type of information out. I disputed the information for it to be removed and Equifax refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 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. I 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 30 days gives a reason to immediately remove those items on 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 XXXX data breach and may have  got into the hands of the wrong person.

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 2020-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
Every hour to thirty minutes I am receiving calls without a voicemail and it appears to be Credence Resource management. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2020 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. I 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 30 days gives a reason to immediately remove those items on 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 2020-09-15 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: TX

Complaint narrative:
Equifax should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
Have received letters from company trying to collect on a debt that was written off by the original creditor. Each letter states a different balance on the amount owed. When checking my credit report this account does not show up and it tells me that the account has fallen off. While researching online i have found out that this company tries to get you to agree that you owe the debt and they will accept a smaller amount to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
Around XX/XX/XXXX, we applied for a forbearance due to covid 19.  My husband was fuloughed for a while. We were approved and received an email on XX/XX/XXXX. I had spoken to a few reps between then and now to ask what kind of repayment were we looking at. I was told FHA allows you to defer your payments to the end of the loan. Keep in mind I tried on several occasions to get in touch with someone with no luck. I even sent an email in XXXX trying to reach someone but I was never contacted to my knowledge. We received a letter in XXXX stating how far we were behind. So I called again to try a resolve. I was finally able to speak to someone. She advised me that we were late a pymt in for XXXX which I have denied. New rez bought our mortgage from another company and we were in the process of updating our payments to the new mortgagee. Since she said were we late, we were not eligible to defer our pymts to the back end of the loan per FHA guidelines. I asked her to escalate the call. She said she would have someone call me back. That was over a week ago. We receive another letter today stating we are 5 pymts behind and call them to avoid foreclosure. We want to start making payments again but do not feel like we were given all the info regarding the forbearance and do not feel like the we should have to do a modification loan now. Thank you for reviewing my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I used XXXX reward points ( {$1400.00} value ) from my credit card Chase Sapphire to purchase a round-trip flight on XXXX   XXXX for XX/XX/XXXX from XXXX XXXX to XXXX and returning on XX/XX/XXXX from XXXX to XXXX XXXX ( XXXX XXXX ). The flight was canceled due to COVID. XXXX XXXX has been unresponsive to me and supposedly Chase as well. I have not been able to get my refund of points and my credit card company has continuously said they are pending XXXX XXXX response. As per the FCBA, I can not be charged for a product I did not receive. I need a refund for my flight and Chase is not giving me one. I am not receiving any refund from XXXX as per the DOT COVID regulations or EU regulations. See here : https : //www.transportation.gov/briefing-room/us-department-transportation-issues-enforcement-notice-clarifying-air-carrier-refund Chase confirmed if XXXX does not respond to me by XX/XX/15, they would give me a refund regardless. Now they are refusing to do so. I've attached this correspondence from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2020 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. I 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 30 days gives a reason to immediately remove those items on 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 XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over XXXX days later I have not received a response yet. I 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 XXXX days gives a reason to immediately remove those items on my credit report it has been over XXXX  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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Greetings, I hope all is well during these unprecedented times. I submitted a dispute letter concerning inaccuracies on my report on XX/XX/2020. I did not receive acknowledgement on the matter. To my understanding the company has XXXX to XXXX days to respond to my dispute. They are in violation of the fair credit reporting act. The inaccuracies on my credit report are severely effecting my credit score. I understand we are in difficult times but these inaccuracies must be corrected. Thank you & XXXX Speed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over XXXX  days later I have not received a response yet. I 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 30 days gives a reason to immediately remove those items on 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 XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: NY

Complaint narrative:
The debt collector was very rude kept speaking over me, when I asked for a settlement they tried to charge me XXXX percent more than I owe them. When i tried to speak to the collector they hung up on me. Im trying to settle this debt but I want to make sure Im not getting scammed. Also they have not sent a letter confirming my debt owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over XXXX days later I have not received a response yet. I 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 XXXX  days gives a reason to immediately remove those items on my credit report it has been over XXXX  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 XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit bought the debt after XXXX XXXX charged off. They have filed a case even though i told them i never signed with them nor do I owe them. I have the charge off papers from the courts where XXXX XXXX credit card wrote of the debt. 
Now Midland credit opened a case and is threatening to garnish wages and take what little i do have for something not agreed upon with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 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:
On XX/XX/2020 I XXXX XXXX called XXXX XXXX. to request a 3 month deferment due to COVID - 19 On XX/XX/2020 I checked my Fico Report and discovered that upgrade had reported me XXXX  days late for the month of XXXX and XXXX. I have documentation to support my claim. I never missed a payment and the account is set up for auto draft. 

Thank you .... 
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 2020-09-15 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:
On XX/XX/2020 I XXXX XXXX called XXXX XXXXXXXX to request a 3 month deferment due to COVID - 19 On XX/XX/2020 I checked my Fico Report and discovered that upgrade had reported me XXXX  days late for the month of XXXX and XXXX. I have documentation to support my claim. I never missed a payment and the account is set up for auto draft. 

Thank you .... 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: NY

Complaint narrative:
The accounts listed here do not belong to me it has been over 120 days and no resolution has been made. This is supporting fraud. I demand that they be removed now because it is stopping me from obtaining gainful employment. If the credit bureaus do not remove these items I will file a lawsuit. Fraudulent accounts are as follows : XXXX XXXX XXXX, XXXX XXXX, {$13000.00} ; XXXX XXXX XXXX, XXXX XXXX {$93.00}.

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020 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. I 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 30 days gives a reason to immediately remove those items on 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 XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
This is my 5th complaint lodged against this company. 

Based on my records I was not sent a Monthly Statement for loan ending # XXXX for the months of XXXX & XX/XX/2020. I dont want to hear excuses about their website and it being unavailable and either of my XXXX loan accounts reaching a status of 45 days past due or any similar XXXX like I got in their letter to me dated XX/XX/2020. If they can print a monthly statement for my other loan ending # XXXX and not miss sending me any months for that account they can XXXX well do the same for # XXXX. I want the actual & individual monthly statements and not compilations & I expect to see these statements for that account to continue being sent to me in a timely manner. There is no reason for these statements to not have been sent.

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