vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I tried to temporarily lift my wifes security freeze from Equifax. We had placed a freeze and did this temporary lift several times. This time the agent said nothing exists for her SS number. As in she doesnt exist or she has no credit file. I said she does and the other two Credit Reporting agencies HAVE credit files for her and we have a PIN number. 

To get started I informed them that my wife did not speak English very well and that I was present to help her. The gal acted perturbed about that but started questions. They were WAY harder than what I had to answer when I lifted my freeze. I complained and the gal insisted that they werent. I said it was discrimination and I wanted to talk to her supervisor. She was miffed about it but finally the supervisor came on. I complained and he started yelling. I got him to calm down by telling him if she has no file then she has no freeze right? He said we cant see that on our computer. I said its your freeze? XXXX XXXX says YOU, Equifax, have a freeze on her account and it needs to be temporarily lifted. We gave up. We called a second time to file a dispute to get them to contact XXXX and or XXXX to see that she HAS a credit file and were subjected to the same discrimination that we had received before. Rudeness and escalating difficulty of questions.All answered correctly but the questions just kept coming and being more detailed and difficult. I said ALL of your questions were answered correctly ... supervisor please. Rinse and repeat same treatment got nowhere and couldnt even get them to investigate based on this possibly exceptional situation. I was very upset and I believe these overseas call centers are vindictive enough to blacklist a particular person because of a conflict. I say this because I told her make sure all of these notes are documented and you could hear her typing away. My wife basically is completely blackballed by Equifax through their vindictiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: MA

Complaint narrative:
I was the cardholder for a XXXX XXXX Store Card Account in XX/XX/2018. I paid the card off with no delinquency or late payments and I did not use the card thereafter. I reviewed my credit report and noticed that the Account was indicated as closed, {$0.00} balance paid. 

My legal team advised that although the card is paid to it's entirety, because I have a short credit history this closed Account impacted my score negatively rather than improved it so I was urged to contact XXXX XXXX directly to request a deletion letter or have the bureaus update the credit reports to reflect a {$0.00} balance only. I recently spoke with two representatives who stated that XXXX XXXX does not offer goodwill/deletion letters but a {$0.00} balance letter and Account Closed letter can be provided. 

I know the company XXXX XXXX, has went out of business in XX/XX/2018 therefore the card was no longer active. However, the reporting to the bureaus affected my score and this blemish needs to be erased. I have proof and the credit reports to prove that that the card was paid on time and satisfactorily.

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 2020-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have an account with XXXX for several years now and PNC has changed their policy which prevents me from transferring money to my XXXX account. I don't believe this to be fair since they haven't offer any type of solution

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
Oh boy, am I upset!!!! 

ERC ( I believe thats the company ) has been reporting a collections account on my credit report for a couple YEARS now! I have disputed it twice and each time its come back verified. Impossible, due to the fact I dont have an account with XXXX - and never did. XXXX since 2007! Last week I FINALLY received some form of communication from this collection company. They sent me a sprint bill for an address Ive NEVER lived at! I immediately contacted sprint, seeing as how theyre the original creditor. The customer service rep, XXXX, actually told me he had no record of me holding an account with sprint, let alone owing them! I told them ERC is reporting a DEBT COLLECTION for XXXX. XXXX CUSTOMER SERVICE REP THEN SAID ERC DOES NOT OWN THE RIGHT TO COLLECT ANY DEBT ON THE BEHALF OF XXXX this is ILLEGAL. I called XXXX with intentions on paying a bill that I DID NOT OWE, just to rid myself of ERC! Turns out theyre reporting a fraudulent account and causing me emotional stress over a bill that isnt mine. Thank XXXX I contacted XXXX. ERC, please stop reporting this account to the credit bureaus. I have contacted the original creditor and confirmed I do not owe any monetary payment to their company. This is illegal. You guys have a track record of purchasing debt for fraudulently opened accounts then harassing customers for 7 years if youre able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: NC

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, US DEPT ED Company Inquiries : XXXX TRANS UNION

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 2020-08-01 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: NC

Complaint narrative:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, US DEPT ED Company Inquiries : 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 2020-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I check my credit scores on a regular basis as I am trying to increase my credit scores. On XX/XX/2020 XXXX and XXXX increased my scores but Equifax took 29 points off for a credit card increase of {$3.00} dollars. I pay my bills on time reflected on XXXX XXXX 100 % and most cards have decreased due to Covid and not going out of the home. Attached is the report. Who makes these decisions? This is a bogus and gauging of points during a Covid crisis when people are without jobs and desperate. I have been diligent and paid my bills but 29 POINTS is obsurd!! It will take me a year to get these points back. The only change new on my account is one card had a {$3.00} dollar increase. Who makes these decisions, has the power to crush people. I'd like to know!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
XXXX is trying to verify my bank account. And PNC wont allow them to do that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: DC

Complaint narrative:
Chase offered XXXX points for opening a new mortgage for cardholders with the Chase Sapphire Reserve credit card. I applied for the mortgage through my Chase " Just for You '' section of the website which referred me to a local Chase representative. I completed my condo purchase with the new mortgage on XX/XX/XXXX. After waiting 60 days past closing, I reached out to Chase numerous times to determine the status the points. I also reached out to the Chase " Sr. Home Lending Advisor CPC '' XXXX XXXX on multiple occasions, but he did not address the request. I also inquired with XXXX XXXX. 

Dates of communication are listed below : XX/XX/XXXX -- E-mail to XXXX XXXX XX/XX/XXXX -- E-mail to XXXX XXXX XX/XX/XXXX -- E-mail to XXXX XXXX XX/XX/XXXX -- E-mail and Phone call to XXXX XXXX and XXXX XXXX XX/XX/XXXX -- E-mail to XXXX XXXX and XXXX XXXX I am requesting that Chase apply the rewards points associated with the mortgage to my account. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: APPLE RECOVERY, LLC
State: WA

Complaint narrative:
Keep getting calls about an Apple account that I do not have } being scamed in XXXX, their number they are XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: NV

Complaint narrative:
Lexington law has my account is cancelled. They sent me a letter stating that I could realis with Lexington law. I called the XXXX number and I tried to re in less and they told me that they couldn't do it because I found the CFPV complain. as a consumer I have the right to use the CFPB to fight issues that are in correctly associated with me in my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XXXX XXXX I sent a certified letter to National Credit System inc for debt validation. the letter arrive to the company on XX/XX/2020. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately XXXX XXXX XXXX a negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the company i provided a four page validation letter package for the company to complete. In the validation letter package I sent a Cease and Desist for the company to stop with harassing calls which National credit system inc finally comply to do but they never responded to my validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Paypal credit card statements are not clear to understand. It does not show the beginning balance of each statement so that I could have the ability to make corrections or check outstanding balance is accurate or not. 

I have contacted customer care and nothing was resolved. All they told me was that " that is they way they prepare statements '' and they can not do anything about 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 2020-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
For my Macy 's American Express credit card. I got a statement with a balance of {$4.00} in XXXX and I paid that amount before the due date. 
In XXXX, I got another statement with {$2.00} charges as a minimum interest charge. 

Spoke to Macy 's Credit Card customer service on XX/XX/2020 XXXXXXXX XXXX  PST Customer Service Rep Name : XXXX and asked for an explanation on why the {$2.00} minimum interest rate was charged and I was not given any valid explanation other than " a minimum interest is charged if balance is not paid in full '' I asked, " My balance was {$4.00} and I paid the full amount and why is a new minimum interest charged? '' I was not given a reply. XXXX said " I will have to file a complaint to dispute the charges '' I think there is a scam going on. Please investigate and help.

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 2020-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

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 2020-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I reviewed my credit reports and notice that after thorough investigation, XXXX  removed the negative item that XXXX XXXX reported but Trans Union and XXXX  report negative items for accounts I am strongly disputing. I noticed one credit report states charged off closed and the other says charged off open. This " Account '' can not be opened and closed at the same time so there is a distinct error right there. There is no substantial proof that this debt is owed to the company and under the FCDPA, I am entitled to the validation of this alleged debt which I have not received. By law, If the required information is not forthcoming, all attempts at collection must immediately cease and correct information must be reported to all 3 Credit Bureaus.

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 2020-08-01 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: AZ

Complaint narrative:
I reviewed my credit reports and notice that after thorough investigation, XXXX removed the negative item that XXXX XXXX reported but XXXX XXXX and Experian report negative items for accounts I am strongly disputing. I noticed one credit report states charged off closed and the other says charged off open. This " Account '' can not be opened and closed at the same time so there is a distinct error right there. There is no substantial proof that this debt is owed to the company and under the FCDPA, I am entitled to the validation of this alleged debt which I have not received. By law, If the required information is not forthcoming, all attempts at collection must immediately cease and correct information must be reported to all XXXX Credit Bureaus.

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 2020-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
citi premier card and citi simplicity card both of these cards I usually make a minimum payment {$90.00} but because of covid-19 I genuinely missed these payments on the due dates and paid them 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 2020-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
Will not allow me to link my account to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: HI

Complaint narrative:
I made a payment via ach Monday XX/XX/XXXX. The money left my bank and was processed the following day. Capital One refuses to apply the payment and is requiring a 7 day hold. This is unacceptable they are earning interest on my payment while screwing me out of the benefit of the payment. This was a cash payment and absolutely no reason OTHER THAN FRAUDULENT MISREPRESENTATION AND COSPIRACY TO DEFRAUD CUSTOMERS. I have advanced degrees in econ and banking and have ran warehouse banks. This is completely illegal and unacceptable. I want to be reimbursed for interest. They are using the coronavirus as an excuse to continue to defraud customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Remex, Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
I have been approved and found a house. Loan depot, the company I am working with, sent the appraiser over to the home. We already knew that the retaining wall outside the home might not pass appraisal. My loan officer said as long as it's not dangerous to the home it will pass. I paid {$470.00} for the appraisal. It did not pass. So when asked what can be done, as we ourselves were willing to help repair it, my loan officer said if we knock the wall down it will pass inspection. We have emails of this conversation. We did as she said and after the wall was knocked down she said that no, it should not have been knocked down, she was mistaken. She was ready to send another appraiser over, that I had to pay for, knowing it would not pass again. Thanks to my real estate agent, this did not happen. Now if I want the home I have to pay over {$1500.00} to rebuild the wall. I have spoken to the branch manager and the loan officer, the both admit to her mistake but say " there is nothing we can do, it's a mistake '' they wont own up to it financially. They have given me false information that is costing me and is prolonging the sale of this home. All I wanted was from them is to help pay for the wall which didnt need to come down down only repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a loan with XXXX, XXXX XXXX, and AMEX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all XXXX bureaus and XXXX, XXXX XXXX, and AMEX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation