vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
This was a debt to XXXX XXXX XXXX XXXX. This was paid on XX/XX/XXXX to XXXX XXXX. XXXX XXXX with XXXX advised they would notify XXXX that this was paid. I was sent receipts and it was removed from my creit report. In XXXX of XXXX I received notice from XXXX XXXX that this was being reported again on my credit report as unpaid. I contacted XXXX XXXX with XXXX and advised her what happened. She advised she would reach out to XXXX and make them aware this was paid once again. I contacted XXXX XXXX and the new debt collection company. The company asked for my receipts and immediately removed the item from my credit reports. Then in XX/XX/XXXX I received notification again from XXXX XXXX that a collections account was added to my credit reports. Once again the collector was XXXX XXXX XXXX XXXX. This time with another collection company XXXX XXXX XXXX. I contacted the new company on XX/XX/XXXX and sent them the receipts showing it had been paid. I was advised that the back office needed to handle this. it would take 7 days. On XX/XX/XXXX I had not heard anything and contacted them again. I spoke to XXXX at ext XXXX she asked me to send the receipts again which I did. I waited to see if it would be removed or hear something from them. Nothing. On XX/XX/XXXX I contacted them again and they said it would take 30-45 days and that I needed to contact the creditor that they got it from XXXX. I contacted XXXX on XX/XX/XXXX they said contact XXXX. I also sent the receipt to XXXX on XX/XX/XXXX. Because I was tired of getting the run a round I contacted XXXX XXXX with XXXX. She advised that she would contact XXXX once again. As of today XX/XX/XXXX this item has not been removed from my credit report. I am in the process of trying to purchase a home and each time they add this my score drops.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: NC

Complaint narrative:
Received a notification on XX/XX/21 advising that my XXXX XXXX Account was showing 30 days past due with a XXXX balance. 

I traded in the vehicle on XX/XX/21 and the loan was paid in full by my new lienholder 10 days later. The account status updated to paid in full and closed about 2-3 weeks ago, now the creditor is reporting a 30 days past due on my credit file for an account that has been satisfied in full and closed.

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 2021-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
Nationstar Mortgage and their attorneys XXXX XXXX XXXX used deceptive practices and dual tracking and LIes while they continued to foreclose on my home of 20 years and lock me out of it and sell it back in XX/XX/2019. I was served all the papers at once and never given a procurement period and was told by the mortgage company that I couldn't pay my mortgage while in modification. I was in modification this entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC

Complaint narrative:
I signed up for a bank account with HSBC and was entitled to get a bonus based on direct deposits made to the account. I know that I signed up through the correct link. The bank confirmed that on the phone, but then later refused to honor the bonus. HSBC owes me {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: Conn's, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
*****SEE ATTACHMENTS***** Hi, there is no way that these accounts were ever investigated. delete now. Listen, Im writing to dispute the following negative items accounts that continues to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.

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 2021-03-15 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: TX

Complaint narrative:
*****SEE ATTACHMENTS***** Hi, there is no way that these accounts were ever investigated. delete now. Listen, Im writing to dispute the following negative items accounts that continues to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-03-15 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/2021, I sent to all 3 credit reporting companies that I am requesting them to verify all the information that I listed below was correct. They have yet to respond to any of my request.

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 2021-03-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: PA

Complaint narrative:
EXPERIENCED ISSUES WITH THE PENNSYLVANIA UNEMPLOYMENT DEBIT CARD I HAVE WITH RELIACARD AND U.S. BANK. MOST RECENTLY, THEY HAVE NOT REFUNDED A CHARGE FOR {$1100.00} WHICH WAS MISTAKENLY MADE BY XXXX XXXX XXXX XXXXXXXX. WHILE ATTEMPTING A GOOD FAITH PAYMENT OF {$100.00}, XXXX XXXX CHARGED MY RELIACARD FOR THE AMOUNT OF {$1100.00}, THIS OCCURRED ON XX/XX/21. I IMMEDIATELY CALLED XXXX XXXX AND WHILE THEY ACKNOWLEDGED THEIR MISTAKE, THEY REFUSED TO CANCEL THE CHARGE AND I HAVE FILED A COMPLAINT WITH THE PENNSYLVANIA PUBLIC UTILITIES COMMISSION. AFTER CONTACTING XXXX XXXX, I CALLED RELIACARD CUSTOMER SERVICES. THEY KEPT SWITCHING ME TO DIFFERENT REPRESENTATIVES AND THE LAST ONE I TALKED TO SAID HE COULD NOT REFUND THE {$1100.00} EVEN THOUGH THEY DID NOT EVEN ATTEMPT TO CONTACT XXXX XXXX WHO COULD HAVE CONFIRMED THEIR BIG DOLLAR MISTAKE. THE REP SAID THE RELIACARD ESCALATION TEAM WOULD REVIEW THE SITUATION AND POSSIBLY REFUND THE $ XXXX WITHIN 5-10 BUSINESS DAYS. I FIND THIS TO BE AN OUTRAGEOUS SITUATION AND ONE THAT IS VERY LIKELY ILLEGAL AND SHOULD BE IF IT IS NOT. I AM A XXXX XXXX XXXX XXXX XXXX RECIPIENT WHO WILL PROBABLY NOT BE ABLE TO PAY MY BILLS INCLUDING RENT WHICH COULD LEAD TO POSSIBLE EVICTION AND MY UTILITY BILLS WHICH COULD LEAD TO SHUTOFF ( S ) THIS IS NOT MY FIRST PROBLEM WITH RELIACARD CUSTOMER SERVICE. ON XX/XX/21 AND XX/XX/21, I WAS UNABLE TO USE MY CARD FOR THREE DIFFERENT TRANSACTIONS EVEN THOUGH I HAD AT LEAST {$900.00} IN MY ACCOUNT. BY THE WAY, I AM CURRENTLY DOWN TO {$6.00} DUE TO THE MISSING {$1100.00}. I CALLED CUSTOMER SERVICE AND THEY SAID THE CARD WAS LOCKED DUE TO A POSSIBLE FRAUD INVESTIGATION EVEN THOUGH THERE HAD BEEN ABSOLUTELY NO SUSPICIOUS ACTIVITY ON MY CARD. THEY SAID THAT WAS NOT ENOUGH TO UNLOCK MY CARD AND TEXTED ME THAT I NEEDED TO VERIFY MY IDENTITY. I DID SO WITHIN MINUTES BY SUBMITTING A PHOTO OF MY DRIVERS LICENSE AND A REQUESTED SELFIE BUT MY CARD REMAIN LOCKED. WHEN I CALLED CUSTOMER SERVICE AGAIN, I WAS TOLD IT WOULD TAKE 48 HOURS TO UNLOCK MY CARD SO I MISSED SOME BILL PAYMENTS, RECEIVED SOME LATE FEES AND WAS UNABLE TO BUY GROCERIES ETC. WITH THE CARD. I AM NOT THAT TECH-SAVVY BUT THEIR COMPUTERS COULD HAVE VERIFIED MY IDENTITY IMMEDIATELY. I FEEL THAT RELIACARD IS DESPICABLE WITH THESE KINDS OF INCIDENTS AND WHATEVER THEIR RELATIONSHIP IS WITH U.S. BANK, THAT APPEARS TO BE A POSSIBLE CULTURE OF SCAMS LIKE THESE.

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 monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
I have written NUMEROUS LETTERS to alliance collections asking for validation of these debts they are claiming against me and all they have sent is a medical bill statement which by legal definition if NOT a legal validation of debt as anyone can make/manipulate that. They need to produce signed documentation with my signature showing that I signed for this debt. Second these are medical bills ( I am in no way stating or claiming these to be mine ) I have never signed and allowed for any of my medical information to be released. Alliance collection did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should these items not be deleted within 3 days of them receiving this complaint. I will seek every legal remedy available to me and file suit against alliance collections and the credit bureaus responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. I have sued and won small claims cases of {$10000.00} each against the credit bureaus once and will do the same for EACH collection account alliance collections has on my credit reports seeking a total of over {$250000.00} if they do not remove these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NM

Complaint narrative:
Due to loss of income from the Covid 19 pandemic, last year I took advantage of the Cares Act and contacted my mortgage company, Freedom Mortgage, about going on a forbearance plan. I spoke with XXXX, ID no. XXXX who explained the three repayment options, one of which was flex modification which would change the terms of my loan. She said it would reduce my interest rate to the current rate.

After a trial period of first making no payments, then reduced payments, I was, therefore, shocked to receive loan documents that quoted an interest rate of 4.25 % which is significantly higher than the current rate.

More of Freedom 's trickery came in the form of the new loan papers stating my monthly payment would be {$640.00}. That seemed like a good deal until I found out it didnt include my insurance and taxes.

Further, nowhere in the loan documents did Freedom state what the total amount repaid will be after 40 years. Ive been a homeowner for over 20 years and have had quite a few mortgages and refinances. Loan documents ALWAYS state the total amount that will be repaid by the end of the loan. Freedoms loan docs to me does not do that. That is very bad faith and trickery. 

I sent them a certified letter on XXXX XXXX, XXXX stating all this and requesting my interest rate be reduced to the current rate. On XX/XX/XXXX the rate was 2.338 %. Today it is even less. 

I have received no response.

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 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I called Southwest customer service to find out when my companion pass will be reinstated, as I earned it again for this past cycle. However, I was told Southwest/Chase will not be giving me one even though I earnestly earned it. 

On XX/XX/XXXX, Chase to find out how much more I needed to spend in order to earn another companion pass. The Chase representative told me I needed to call Southwest Airlines. Soon after I called Southwest Airlines to find out how much more I needed to spend to earn my companion pass. The representative told me how much I had spent for the year and that spend until XX/XX/XXXX will go towards my companion pass renewal, even though the website says it ends XX/XX/XXXX and resets XX/XX/XXXX. On XX/XX/XXXX I paid via my Chase Southwest Rapid Rewards card {$5300.00} on my property taxes, which was the difference remaining to earn my Companion Pass. In order to pay my taxes via my credit card, I had to pay a 2 % additional fee. 

On XX/XX/XXXX I called Southwest customer service to find out why my companion pass had not been renewed on my account. In the past, I had already received the email confirming my renewal by the first week of XXXX. The representative confirmed that I did qualify for a companion pass but that it was not showing up in my account and that I needed to call customer service on Monday to have it reinstated. 

On XX/XX/XXXX I called SouthwesXXXX customer service to solve the issue, but XXXX, The customer service agent said that I did not qualify because my spending ended on XX/XX/XXXX, not XX/XX/XXXX, which is contradictory to what the rewards portal states ( Last day of the year ) and what the first Southwest agent stated ( XX/XX/XXXX ). 

I went out of my way to pay {$5300.00} in taxes and pay a {$200.00} processing fee just to be able to qualify for the XXXX points. Additionally, I noticed that almost XXXX points never hit my account until XX/XX/XXXX even though the purchase was made in early XXXX. This has been an absolute bait and switch. The rewards portal states it resets at the beginning of each year, but instead, they claim the actual dates coincide with my statement date I have attached my XXXX statement for your review. Please note that they did not post some of my charges until XX/XX/XXXX. Additionally, they didn't give credit for some purchases made within their rewards shopping portal, as they claim the items purchased via their retailers do not qualify, which is ridiculous because I would have earned points on those purchases if I had made them in-store, but they advertise that you get more points on the rewards portal. Additionally, the total amount spent does is not equal to the rewards points because some purchases qualify for more than 1x point. For reference, in mid-XXXX, I had already earned XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of American the amount was paid in full. On XX/XX/2019

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 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
A collection debt appeared on my credit report that I had never heard of, or was never notified of the debt. My daughter had an outstanding XXXXXXXX XXXX XXXX account that was disputed but was never resolved. The only time that I had an association with XXXX XXXX XXXX was when I moved to South Carolina and the internet was with XXXX XXXX XXXX in XXXX. But I never missed a payment. I filed a Not Mine through XXXX XXXX but they said the debt was verfied. I request proof that this is my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX I saw a bunch of accounts on my credit report showing as open, paid late. However these accounts were previously included in a bankruptcy discharged XX/XX/XXXX. I opened a dispute to have these accounts Listed as included in bankruptcy/closed. Many were updated however XXXX and XXXX were not. I have called equifax monthly to check the status and was told it takes up to 30 days and I will get a letter with results. 
I have not received a letter and called today and was told these accounts were not included in bankruptcy. Also the rep was not helpful, did not listen to what accounts I repeated were the issue. Ultimately she told me they were not included in bankruptcy so they remain open. This is effecting my credit score, I have not received any updates on their investigation.

Company response to consumer: Closed with explanation