vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
In XXXX I was pre approved for a home loan. End of XXXX I gave the go ahead to proceed. The loan officer XXXX XXXX didn't write anything up right. My out of pocket expenses kept changing. After having {$430.00} removed from my account on XXXX for appraisal, nothing happened. I was assigned to XXXX XXXX. Her customer service was horrible. Would not correspond with me hardly at all. Then after 2 weeks of waiting for her to respond I was notified she was no longer with us bank. I was never notified or assigned to a new loan officer. The appraisal was finally done, but was told that I had to do repairs to the house before the loan could proceed. Im buying the house as is. Its in the contract. I told the loan officer to cancel the contract with us bank. After 3 months I'm no further along than when I started. I'm formally requesting my {$430.00} back since NOTHING is done

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 2020-07-23 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: IL

Complaint narrative:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

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 2020-07-23 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: IL

Complaint narrative:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

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 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I obtain my credit file and noticed Lvnv is still reporting on my credit file even after meeting the settlement agreement and paying as requested by creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a reservation on XXXX on XX/XX/2020. On XXXX, 2020 I cancelled the XXXX reservation, well within the 24 hour cancellation period. I received a hard copy of the cancellation showing that I owed XXXX balance and the reservation was cancelled. One week later I contacted XXXX through an internet chat and they confirmed the reservation was cancelled and that I would receive my refund within 30 days. After the charge of {$510.00} was returned to my account by Capital One, the credit card company, I was shocked to see the charge returned on my billing statement. 
I was forced to make the cancellation due to the current virus lockdown. I have copies of my original reservation, the cancellation notice and the computer chat stating this charge was cancelled. XXXX now says it is a valid charge. 
Capital One has had an active dispute since XX/XX/2020. All they do is keep asking for more documentation to settle the dispute. I feel like they are dragging this out far too long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I obtained a copy of my credit file and noticed XXXX XXXX is reporting a debt that was settled and paid.

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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to unfreeze my account at Experian on line. That did not work even though I have my PIN number from when the freeze was set up on XX/XX/XXXX. I attempted to contact Experian through all available phone numbers during their posted hours of operation. NO WAY TO CONTACT A PERSON!!! THERE IS NO CHAT OR EMAIL AVAILABLE either. 

I need to refi my home NOW. I am elderly and ill. 

I was able to easily unfreeze XXXX and XXXX. But not Experian. Per Experian online and recorded messages on telephone tree, Experian wants me to MAIL TO TEXAS COPIES OF MY SOCIAL SECURITY CARD, DRIVERS LICENSE, UTILITY BILLS ... ..ALL THE INFORMATION ANYONE WOULD NEED TO STEAL MY IDENTITY. I WILL NOT MAIL A COPY OF MY SOCIAL SECURITY CARD TO ANYONE!!! THIS IS NOT RIGHT!!!!!! 

PLEASE help me. 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 non-monetary relief
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I obtained a copy of my credit file and noticed XXXX was reporting a credit card debt that was paid and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
American Education Services continues to make harrassing phone calls to my house, sometimes inappropriately in the early morning. Even after customer service has repeatedly assured they will stop calling my number, the harrassing phone calls do not stop. I would like to be put on their Do Not Call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/2020, my wife and I sought to temporarily lift security freezes with the three major credit reporting agencies in connection with a mortgage refinance application. We had gone through this process several times in the past without issue. 

We lifted the holds at XXXX  and XXXX  online. When we tried to access our account online with Equifax, we entered our respective credentials and each time, we received an error message that said " We are temporarily unable to complete this request. Please try later again. '' I called the customer service number, and after a long wait, we were connected with a customer service associate who very patiently worked with me to verify my information and try to determine why we could not access our accounts. We worked to reset my password, and I still received the same error message. After confirming that there was no mistake on my end ( for example, wrong password, incorrect information entered ), the associate explained to me that he would have to escalate the situation to the IT department, and it would be at least a few days before the matter would be addressed. Until then, I would be unable to access my account. 

When my wife and I placed our credit freezes, we did so with the expectation that the freezes could be lifted easily and at any time. It is not only extremely inconvenient, but also potentially costly, not to be able to access our respective credit accounts -- even when Equifax 's representatives verified my identity and confirmed that we did nothing wrong in the way of providing information and setting up our accounts. 

In order for my spouse to lift the hold on her account, she faces the same long wait time and identity verification process that I went through this morning. The nature of her employment does not allow her to do this during regular business hours. This incident will delay the refinance of our home, and if rates should increase, it will cost us real money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ACS Education Services
State: NY

Complaint narrative:
I been paying this loan since XXXX XXXX until last year and never see the debt go down. still it's almost twenty years later and still it looks like I never paid anything because its highway robbery with these student loans. Then I still a check that I never cash because the college told me to wait and I still been charge this money. The other college was XXXX College the check was for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I obtained a copy of my credit file and noticed XXXX is reporting a credit card payment debt that was settled 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 non-monetary relief
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: COMMERCE BANK
State: OH

Complaint narrative:
Commerce Bank ( XXXX XXXXXXXX ) credit card XXXX XXXX XXXX XXXX Card lowered my credit limit from {$2000.00} t0 XXXX $ overnight, after they received hectic payments lowering my credit balance. 

It appears that they deliberately lowered my score, when I was trying to pay up the balance lowering my credit balance. 

I spoke with their CSR for which she replied that they will be sending a letter soon. 

I think this is an outrageous maneuvre by some credit card companies either for their protection, but will affect a honest credit payers intention to improve his credit go to the ocean.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Activehours
State: DE

Complaint narrative:
Cant Access My Financial Data

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC is no longer allowing XXXX to connect with my personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: MI

Complaint narrative:
Pendrick Capital Partners, LLC has attempted to collect a debt from me using multiple debt collection companies. The first attempt was by Affiliate Asset Solutions , LLC in XXXX of XXXX. A timely request for validation of debt was made on XX/XX/XXXX to Affiliate Asset Solutions, and no response was sent. I believed the issue to be resolved. 

However, Pendrick Capital Partners used a second collection agency to attempt to collect this debt again in XX/XX/XXXX. This agency is XXXX XXXX XXXX. A request to validate this debt has been sent on XX/XX/XXXX. The only explanation I can think of for Pendrick Capital Partners to use a different collection agency is to get around the requirement to not contact me without validating the debt first. At this point, I feel that I am being harassed in an attempt to collect a debt that is not mine. 

I attempted to call Pendrick Capital Partners to send them a letter, but they insist that all communication about the debt go through their debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: TX

Complaint narrative:
On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report. 30 days later to the date, I have not received any responses from the credit bureaus. Under federal law, they have 30 days to complete my 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 2020-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I had to have XXXX  XXXX in XXXX of 2019. It was something completely unexpected and unplanned for. Afterward I had a mountain of bills from the hospital, all the separate doctors and the one in question is from the XXXX  I was regulary paying what I could afford each month to everyone who sent me a bill, up until XXXX when I lost my job due to COVID-19. I stopped receiving bills from the XXXX for some reason and therefore lost track of who I was supposed to pay and when. I had too many bills to keep track of and too much going on with COVID-19 and trying to find a new job that if someone didn't send me a bill, I didn't know I was supposed to be paying. I did not receive any notice prior to finding out by seeing it on my credit report that I had been turned over to collections. No one tried to call me as far as I know because I had to have the service shut off on my phone because I couldn't afford it. But I received no emails or notices in the mail regarding this collection or anything stating that I had the right to dispute or negotiate this debt. If I had, I would have been more than willing to work out a payment plan with this company. I have reached out the company several times to try to reconcile this debt but they have not responded to me at all. This collection has ruined my credit rating. My FICO score when from over XXXX down to XXXX. This seems very harsh and unfair in light of the fact that I have not had anything negative on my credit report prior to this, I have never made a payment late in my entire life and I worked very hard to maintain an excellent credit score. It also seems very unfair that this was turned over to collections in the middle of a pandemic when so many people were out of work and struggling to make ends meet. Most companies had payment extensions in place and were forgiving about late payments. I need to negotiate this debt because it is more than I can afford given my current financial situation and I need this collection removed from my credit report because it is completely unfair and not a true reflection of my credit worthiness. I have been more than willing to work something out this whole time, it is through no fault of my own that this company has been so unwilling to communicate and work with me on this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: TX

Complaint narrative:
The account below has incorrect balance. 

1. XXXX XXXX XXXX Reported XX/XX/2020 38 % {$150.00}, balance is XXXX. 

2. XXXX  Reported XX/XX/2020 58 % Balance : {$1500.00}, balance is incorrect.

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 2020-07-23 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: NV

Complaint narrative:
THE 3 CREDIT AGENCIES : XXXX, EQUIFAX AND XXXX  ALL HAVE ALLOWED XXXX XXXX TO KEEP ON A LATE PAYMENT FROM XX/XX/2020 - WHICH IS AT A TIME WHERE MY ACCOUNT WAS RESTRICTED ( RESTRICTED FROM XXXX TO XXXX ), I COULD NOT USE THE ACCOUNT AT ALL AND THEY WERE JUST ADDING " ADJUSTMENT INTEREST '' CHARGES OUT OF NOWHERE TO A BEFORE {$0.00} BALANCE & WHEN I TRIED PAYING THE ADJUSTMENT CHARGES, THE ACCOUNT WOULDN'T ALLOW IT, A STAFF REPRESENTATIVE SAID ITS DUE TO RESTRICTION AND NOT TO WORRY ABOUT IT. RESTRICTION OF ACCOUNT GETS LIFTED IN LATE XXXX AND XXXX XXXX THEN REPORTS A LATE PAYMENT IN XXXX TO MY CREDIT REPORT ON ALL 3 BUREAUS. 

YOU KIDDING ME? I NEED THIS FIXED ASAP. IM DISPUTING THIS XXXX XXXX XXXX XXXX PAYMENT HISTORY, IM 100 % ON TIME, ALWAYS ON ALL MY ACCOUNTS. FIX THIS. FIX THIS, ALL 3 BUREAUS NEED TO DISH OUT A DISPUTE FOR PROPER PAYMENT HISTORY VERIFICATION ON MY BEHALF. 

IVE ALREADY TALKED TO XXXX  STAFF ABOUT THIS ERROR AND THEY SAID THEY'VE SUBMITTED THE DISPUTE OF INACCURATE PAYMENT HISTORY TO THEIR DEPARTMENT BUT I HAVEN'T HEARD BACK FROM THEM SINCE SO IM HERE NOW. 

WANT THIS WHOLE DEAL TO BE UNDER CFPB SURVEILLANCE SO IM HERE ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
After purchasing and cancelling/returning appliances between the dates of XX/XX/2020 to XX/XX/2020. Citi Bank has overcharged me by {$550.00} I should be charged {$6100.00}, instead they have charged me a total of {$6600.00} for purchases they will be unable to substantiate. In a nutshell, Citi Banks system was unable to keep up with the charges/returns vs. the actual purchased products. They are not willing to go through each individual transaction and match them to products received by Best Buy. 

I have attempted to resolve the issue numerous times ( likely 20 separate occasions ). I have called many times as well. Even though many of Citibank 's representatives can see that I have been overcharged, no one will adjust my balance. It always ultimately results in the charges being accurate when they are not. Despite my many attempts to help the bank sort through transactions they should easily be able to tell navigate through themselves, the inaccurate charges remain. This issue started in XXXX ; now seven months laterI am beyond frustrated and ready to move on with a lawsuit, if I am unable to make headway here. 

Note : some of the excuses I have been getting from Citibanks representatives about the issues not be properly investigated is that they have a lot going with their Covid disputes. That many people have concert tickets that need to be refunded and what not. 
Additionally, I have provided the company with a receipt showing what I should be charged. I have also begged them to just reach out to Best Buy as when I speak with the reps at Best Buy, they are able to tell me exactly what I should be charged. I have also escalated my dispute to the Executive Department at Citibank. That dispute resulted in the same outcome as before. No one wants to properly investigation. 

Please help. 
Sincerely, A desperate consumer.

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 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
The interest rate on my mortgage jumped from 4 % to 9.14 % in one month, there was no other change in my mortgage. My mortgage payment went from {$480.00} to {$700.00} in one month, I am a widow and I requested help through the company and was told that I am up to date on my payments and they could not help me. My original mortgage was a fixed rate mortgage and it somehow was changed to a variable rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: TX

Complaint narrative:
The account below has incorrect balance. 

1. XXXX XXXX XXXX Reported XX/XX/2020 38 % {$150.00}, balance is XXXX. 

2. XXXX  Reported XX/XX/2020 58 % Balance : {$1500.00}, balance is incorrect.

Company response to consumer: Closed with explanation