vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 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: NY

Complaint narrative:
On XX/XX/2020 there was an unauthorized charge on my XXXX Mastercard ( Barclay Bank ) account in the amount of {$50.00} for a charge to XXXX. I called Barclay Bank and they reversed the charge of {$50.00} charge and the card account number was cancelled. Barclay Bank stated that they were going to mail me a new card. I never received a new card. 
Then on XX/XX/2020 and on XX/XX/2020 there were six ( 6 ) unauthorized attempts to withdraw money against my account at a XXXX XXXX. I received an alert on XX/XX/2020, I called Barclay Bank and informed them that I never received the new card and that I never attempted to use the card at a XXXX XXXX. On XX/XX/2020 Barclay Bank stated that they would investigate the fraudulent {$700.00} that Barclay Bank did permit to go through on XX/XX/2020. On XX/XX/2020, I called Barclay  Bank because I saw the unauthorized {$700.00} cash withdrawal at a XXXX XXXX did go through and it was appearing on my paper statement. On XX/XX/2020 the Barclay Bank representative stated that since the {$700.00} withdrawal was a card with a " chip '' and used at a merchant, I am responsible for the transaction.

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 2020-09-30 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DISTURBING ENTRIES REPORTING ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT AN INVESTIGATION TAKE PLACE ON THE ACCOUNTS AND INQUIRIES SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE 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 2020-09-30 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: GA

Complaint narrative:
I reached out via certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to National Credit Systems and XXXX. 

National Credit Systems placed a collection in the amount of {$5400.00} on my credit file in XXXX of XXXX. I received a letter from a private attorneys office in XXXX attempting to collect on the same account. After three attempts in reaching out to both XXXX  and National Credit Systems, the account still remains on my credit report and I have still have not received any correspondence from National Credit Systems. The account has been removed from my credit report by XXXX  and XXXX  since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: AZ

Complaint narrative:
My loan has been paid in full and the check was received on XX/XX/XXXX. I have the USPS tracking info. 

I have tried to call Sallie Mae to explain that the entire amount was paid but each time I call I am disconnected when transferred to escalations. Apparently, escalations handle this issue by paying the account in full. 

I have also tried to email customer service to inform them of the status. However, it's impossible to get to a real human being who is able to help you as the consumer. I'm quite concerned about this company and their practices. 

I just need them to apply the funds to my account, close it, and then to report it as paid in full and to stop contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: OH

Complaint narrative:
The accounts reporting inaccurately on my credit report are due to fraud. 
I am requesting legal documentation from all the listed accounts and items : XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX AFNI # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: OH

Complaint narrative:
The accounts reporting inaccurately on my credit report are due to fraud. 
I am requesting legal documentation from all the listed accounts and items : XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX AFNI # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2020, cardmember initiated contact with Capital One and went through a very lengthy process to get the account un-restricted. I was advised there was a lift on the account after the representative contacted my bank and had them on the phone with me to verify information on the account. I called back 30 minutes later and was told that the account was restricted and that they would need to send me a text message and contact my bank. Prior to this, I had a " Supervisor '' on the phone who was unwilling to assist or cooperate with any of my requests. Needless to say, I believe she was very unprofessional over the phone and my thinking is she needs to be terminated. Each representative gave different accounts of the processes that occur for Available Credit at Capital One. This is a reminder that being rude to customers over the phone will not help any company long term. Either I get representatives who can not articulate sentences in English well enough, or I get people who have a clear neglect for building on customer relations and just ignore requests over the phone while being rude in the process. Complaint is also being addressed with the FTC, the XXXX, and to investigate what Capital One employees are doing with my information. I also feel that every representative including supervisors need to be drug tested, as their inability to handle situations professionally leads me to believe that they may be under the influence of some type of abusive substance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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 ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I recently refinanced my home lone through XXXX XXXX for a better rate. I closed out my old home loan with mortgage holder NewRez, who issued me a check to refund the escrow I had already payed for the year for {$4700.00}. I deposited the check on the XX/XX/XXXX to my account at XXXX XXXX XXXX  but the check never cleared. Yesterday ( XX/XX/XXXX ) they issued a chargeback on my account, removing the {$4700.00} and also causing the bank to issue me a Chargeback Fee of {$5.00}. When I contacted customer support for NewRez I was told that the check had been voided and that they issued me a new one on Monday ( XX/XX/XXXX ). Nobody had bothered to see if the check was deposited or not before voiding it. The new check is supposedly in the mail, but when I pressed the issue of why this had happened and what they were going to do about the chargeback fee they just said the complaint had been noted. 

A lender bouncing checks issued to their borrowers is intolerable. There would be stiff consequences for me, the borrower, if the roles were reversed and I was issuing bad checks to them. This is not my first encounter with NewRez 's incompetence, but this is the first instance where it has impacted me financially rather than just inconveniencing me. Someone needs to do something about this behavior.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: TX

Complaint narrative:
XXXX  and Transunion should not be reporting that I am ( 120 ) days late on XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
on XX/XX/2020, I SENT THE CRA 'S ( TRANSUNION, XXXX, AND XXXX  ) DISPUTE LETTERS REGARDING THE INACCURATE AND INCOMPLETE ITEMS THAT ARE REPORTING ON MY CREDIT.I HAVEN'T RECEIVE THE DOCUMENTS I REQUESTED FROM THEM ON THE XXXX.I ALSO ATTACHED COPIES OF THE LETTERS BELOW

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 2020-09-30 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: TX

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 120 ) days late on XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-09-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 120 ) days late on XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-09-30 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 ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: TX

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 ) days late on XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-09-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted  the bureau to remove this however, I have not been successful.

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 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The mortgage servicing rights of my 30 year conventional loan were recently transferred to PHH Mortgage. When I attempted to make my monthly mortgage payment online PHH tried to charge me a {$7.00} servicing fee. After contacting them on the phone I learned this fee is also applied to over the phone transactions. The only way not to incur a service fee is to pay by mail. This is the only mortgage servicer I have ever done business with who charges fees for online payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
on XX/XX/2020, I SENT THE CRA 'S ( XXXX, EQUIFAX, AND XXXX  ) DISPUTE LETTERS REGARDING THE INACCURATE AND INCOMPLETE ITEMS THAT ARE REPORTING ON MY CREDIT.I HAVEN'T RECEIVE THE DOCUMENTS I REQUESTED FROM THEM ON THE XXXX.I ALSO ATTACHED COPIES OF THE LETTERS BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
on XX/XX/2020, I SENT THE CRA 'S ( XXXX, XXXX, AND EXPERIAN ) DISPUTE LETTERS REGARDING THE INACCURATE AND INCOMPLETE ITEMS THAT ARE REPORTING ON MY CREDIT.I HAVEN'T RECEIVE THE DOCUMENTS I REQUESTED FROM THEM ON THE XXXX.I ALSO ATTACHED COPIES OF THE LETTERS BELOW

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 2020-09-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and XXXX  should not be reporting that I am ( 120 ) days late on XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I mailed a certified letter to Phoenix Financial Service on XX/XX/2020, certified mail receipt # XXXX XXXX XXXX XXXX XXXX and it was received by their office on XX/XX/2020. In my letter, I requested supporting documentation to prove that two debts that they say I owe, in fact, do belong to me. To date, the company has not responded to my letter and it has been longer than 45 days since they received my certified letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: FL

Complaint narrative:
I have filed multiple complaints on this matter with this particular bureau regarding incorrect information on two past credit cards accounts from XXXX XXXX XXXX. Their investigation should discover that my claims are accurate and they should remove these accounts immediately. XXXX   has completed their investigation and removed both accounts without hesitation and I'm looking forward to the same action to be taken as this negative information is hindering my financial state in such unprecedented times. Below I will attach supporting documentation from XXXX   regarding the results of their investigation.

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 2020-09-30 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 ; XXXX and XXXX should not be reporting that I am ( 30 ) days late on XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation