vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was informed by my mortgage agent that Bank of America put me that I paid late when I closed the account for {$20.00} or {$25.00} dollars, for that significant amount they put my credit in red and when I'm running the report anyone of bank can see it. I paid that money and I will like this to be resolve, also I have a XXXX account that appears in my credit score I will like this to be resolve as well too.

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 2020-06-03 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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 am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: KY

Complaint narrative:
XXXX I received an encrypted email from Hunter Warfield stating I owed an alleged debt. 

XXXX I received a call from Hunter Warfield Debt Collector stating I owe the debt. At that time I requested by email that they provide with written documentation via mail to verify the debt.I also sent an email requesting this information as well. I also provided a screenshot of the documentation from the Property Manager XXXX XXXX with XXXX XXXX ( alleged original debtor ) who stated her and her regional manager ( RM ) approved that everything was zeroed out and voided approved by both of them, however the owner decided to put it back up after I was told that everything was voided. The lady I spoke with told me that they would be sending information over to original debtor based off what information I provided and that they would follow up with me via email. 

XXXX I sent a certified letter to Hunter Warfield requesting in writing that I receive written documentation of the debt along with other information important to the claim. Letter was sent with signature drop off. 

XXXX Certified letter was received by Hunter Warfield and was signed off by H Hunter as the person who signed for the letter. 

XXXX I receive an encrypted email again alleging I owe this debt. 

I never have received a written notice sent to me via Postal mail within 10 days of first contact. I also never received any verification once I sent the letter of request and it was received. I have sent an additional letter via certified mail as of XX/XX/2020 to request the information once again. 

I have also attached all information from the original debtor using scare tactics to get me to pay them for this alleged debt stating they would not be responsible for possible threats, harassment or illegal practices done to myself, my family or my place of employment. This has scared both myself and my family to know this could happen. I have attached information for them as well to get this resolved.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
We send paper work did not send any answers since 15 days ago they said underwriting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: NV

Complaint narrative:
Hi there, My name is XXXX XXXX, I am a XXXX XXXX and have three properties in XXXX XXXX. One primary residence and two rental properties.

One of the rentals was under renovation and another is being rented. 
My tenant got laid off during covid-19 lock down and was unable to pay the rent. 
I was mislead by many news in XXXX that missed payments would not be reported for 3 months not to damage credit. So I did not have enough funds in XXXX to pay the rental property since I did not get the rent from Tenant, so I pay balance for 2 months in XXXX thinking it won't damage my credit during pandemic. Next day I receive credit report of a 30 day late payment from XXXX XXXX XXXX that dropped my score by 100 points. 
I called XXXX very next day on XX/XX/XXXX of XXXX to ask for forgiveness and help me solve the problem. I explained the situation with misleading news. I explained them that I did not receive a payment for rental property and had to ask for payment assistance XXXX file attached ). Customer rep from XXXX submitted a request and told me I would receive a letter from XXXX next 20 days. She also advised to file a dispute with credit bureaus witch I did same day. 
I just received Experian dispute results and it still shows 30 day late payment. 
I received assistance check 1st days of XXXX but the payment was already late and due for 2 months now, so I paid for both months on XX/XX/XXXX. 
I have 2 accounts with XXXX and I paid my personal property on time but I did not have funds to cover the rental property. 
I also applied for Economic Injury Disaster Loan on XX/XX/XXXX because my business has hit very hard, I just received application pre approval on XX/XX/XXXX but still don't have funds. ( file also attached ) I believe businesses need to be more supportive during this pandemic, I am building a brand new building and we are finalizing the construction right now, we started construction in XXXX of XXXX, now I have to close on my SBA 504 loan next 30 days and my credit is in 600s. We are talking about XXXX loan and this is a massive impact for me right now. I did not let anyone in my team down and did not furlough any worker in my company to help them, now after paying their weekly income I am suffering the consequences. 
CFPB please help me remove 30 day late payment, I know I was late but not because I was careless. If I have to I could find XXXX news that mentioned that credit would not be affected during pandemic. 
Loan number with XXXX XXXX XXXX XXXX ( account was just refinanced ) Property address : XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX Experian report number : 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 2020-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Multiple charges that appeared to be for goods and services that were not accepted or that were not delivered was posted on the Barclay credit card account. The merchant was contacted multiple times, in writing, regarding the dispute and had sufficient time and the opportunity to resolve the issue. By letter dated XX/XX/2020, Barclay advised the undersigned that it was unable to pursue credit on the undersigned 's behalf for the transactions because the merchant allegedly did not have the opportunity to resolve the issue. However, on multiple occasions including on XX/XX/2020, and again on XX/XX/2020, the undersigned advised the merchant that the goods and services had not been received and requested a credit for the transactions without a response. The undersigned forwarded copies of the correspondence that were sent to the merchant to Barclay in support of the charge back process. 

Despite the undersigned 's best efforts to date to resolve the dispute with the merchant, Barclay refused to pursue credit on the undersigned 's behalf including invoking the right to charge the transactions back to the merchant for non-receipt of goods and/or services.

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
credit was applied for in my name without me knowing

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 2020-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I'm trying to get into stock using XXXX, but PNC doesnt allow me to link my account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: MD

Complaint narrative:
My complaint is against Equifax, XXXX  and XXXX. I have settled all of my collection accounts which was being reported. 
I had 4 collection accounts that was paid within the last year, the credit reporting agencies not only improperly reported the tradelines, but they did not raise my credit score accordingly as they were being paid. I also paid down on my credit card accounts which does not reflect on my credit report. This non-increase is very damaging, when applying for credit I am subject to much higher rates due to the incorrect reflection of my scores. I should have received 60 additional points for paying off those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am having issues accessing the site to receive my Trans Union and XXXX  Credit reports. I have been trying to get my report from the site and I keep getting kicked out.

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 2020-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Activehours
State: OH

Complaint narrative:
On XX/XX/2020 I tried to link my XXXX XXXX  account to the Earnin app and it would not allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: U.S. BANCORP
State: IN

Complaint narrative:
I have a U.S Bank credit card ( 5+years ), and have NEVER missed or been late on a payment. I have always paid more than the required minimum payment every month. U.S. Bank reports to the credit Bureaus around the XXXX. of every month. I used my U.S. bank credit card on XX/XX/XXXX to buy a couple of items, and I exceeded my credit limit by about {$200.00}, which they authorized. But, on the next day, they reported the " over the credit limit '' to the credit bureaus, which in turn immediately dropped my credit score 21 points. U.S. bank DID NOT inform me of the over credit limit problem, if it was a problem, or if I was required to make an immediate payment, but, the next day I made an {$1100.00} payment to my U.S. bank credit card account, which lowered my useage to around 60 %. However, U.S. bank will not report the payment to the credit bureaus til the XXXX of the month, but, at the same time, on any day of the month, they immediately report going over the credit limit by any amount!! THIS PRACTICE SHOULD BE ILLEGAL, AND UNETHICAL. Damaging a hard working American Citizen credit worthiness is an easy process for those banks/companies. 



Thank you

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 2020-06-03 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 am writing this due to non-compliance with the Experian.They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX debt on vehicle loans, mortgage loans I didn't take out

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 2020-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Capital One Visa Platinum Card was closed in XXXX of 2018 without any notice. I was told it was as a result of return payments on the account. Throughout the course of my tenure with capital one, I accrued reward cash offers and had no issues redeeming them for statement credit or gift cards. I currently have a balance of XXXX and was told that I would not be able to redeem them due to my account closure. As previously mentioned, my account was closed with no warning. I did not receive an email or letter stating why it was closed or that it was closing. I did not find out until I tried to use my card and it was declined. I have contacted capital one about receiving my rewards credits as either a statement credit or redeeming it for a gift card and they are refusing to honor my rewards because the account is closed. I was never given an opportunity to redeem said awards before account closure because I was never even told my account was being closed. I am confused as to how I can redeem awards before the account is closed if I am not notified the account is being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: MD

Complaint narrative:
My complaint is against XXXX, XXXX  and Transunion. I have settled all of my collection accounts which was being reported. 
I had 4 collection accounts that was paid within the last year, the credit reporting agencies not only improperly reported the tradelines, but they did not raise my credit score accordingly as they were being paid. I also paid down on my credit card accounts which does not reflect on my credit report. This non-increase is very damaging, when applying for credit I am subject to much higher rates due to the incorrect reflection of my scores. I should have received 60 additional points for paying off those accounts.

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 2020-06-03 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: MD

Complaint narrative:
My complaint is against XXXX, Experian and XXXX. I have settled all of my collection accounts which was being reported. 
I had 4 collection accounts that was paid within the last year, the credit reporting agencies not only improperly reported the tradelines, but they did not raise my credit score accordingly as they were being paid. I also paid down on my credit card accounts which does not reflect on my credit report. This non-increase is very damaging, when applying for credit I am subject to much higher rates due to the incorrect reflection of my scores. I should have received 60 additional points for paying off those accounts.

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 2020-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
* Please take these things off of my credit report. 


XXXX Account Name XXXX Account Number XXXX Account Type Credit Card Account Status Terms Payment Status Paid or paying as agreed Date Open XX/XX/XXXX Monthly Payment {$44.00} Past Due {$0.00} Balance {$1200.00} High Balance {$1200.00} Limit {$1500.00} Comment This company has not documented payment for the past 2 months. 


This company has past due balances for things that were place on the bankruptcy or pay it off. 
XXXX XXXX XXXX  LAST PAYMENT DATE : Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$370.00} Current Balance {$0.00} Comment Chapter XXXX XXXX XXXX XXXX  XXXX XXXX DATE : XX/XX/XXXX Account Name XXXX XXXX XXXX  Account XXXX XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$60.00} Current Balance {$0.00} Comment Paid collection XXXX XXXX XXXX   LAST PAYMENT DATE XXXX Account Name XXXX XXXX XXXX  Account XXXX XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX XXXX Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$95.00} Current Balance {$0.00} Comment Chapter XXXX bankruptcy XXXX XXXX XXXX  LAST PAYMENT DATE XXXX Account NamXXXX XXXX XXXX XXXX  Account Number XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX  Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$190.00} Current Balance {$0.00} Comment Chapter XXXX bankruptcy XXXX XXXX XXXX  LAST PAYMENT DATE : Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Collection Agency/Attorney Account Status Open Account Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Close Open XX/XX/XXXX Last Payment Amount {$0.00} Past Due Amount {$0.00} Original Balance {$230.00} Current Balance {$0.00} Comment Chapter XXXX bankruptcy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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 charged me interest again on my account and I contacted customer service and they are telling me that they are charging me correctly. Im enrolled into the covid payment deferral payment program which I was told no fees or payment while in the program. See previous complaint COMPLAINT ID XXXX in which they states fee refunds I attached here : To help our customers affected by COVID-19, effective XX/XX/2020, through XX/XX/2020, we are offering the following : Minimum payment removal for up to three months Fee refunds Temporary credit line increases We sent our enclosed letter dated XX/XX/2020, to confirm your enrollment of our payment assistance program. We encouraged you to keep paying if you can because we will still charge you interest, and add it to your unpaid balance. We have enclosed a copy of your Cardmember Agreement for more information about interest charges and late fees. We reviewed your account and found we are reporting accurately to the credit reporting agencies. Because the information we send to the credit reporting agencies must accurately reflect your account activity and status, we can not comply with your request for an update.

Company response to consumer: Closed with explanation