vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pickett Law, LLC
State: MD

Complaint narrative:
After paying all the back charges of XXXX XXXX Benefits Fees to XXXX XXXX, XXXX in XX/XX/XXXX, a satisfaction letter was received from Pickett Law , LLC in XX/XX/XXXX after I filed a motion to the court to mark the judgment satisfied. A new annual amount of {$750.00} was due XX/XX/XXXX. XXXX XXXX, XXXX sent an overdue letter on XX/XX/XXXX with late payment charges of {$75.00} each for not paying on time in XX/XX/XXXX and then XX/XX/XXXX. Therefore, XXXX XXXX, XXXX recorded the new amount on their dated XX/XX/XXXX ( received XX/XX/XXXX ) was {$900.00}. No where on that letter indicated that my new annual amount would be turned over to a debt collector if not paid before XX/XX/XXXX. On the letter, XXXX XXXX, XXXX instructed me to pay them directly. On XX/XX/XXXX, The debt collector, Pickett Law , LLC left a letter on the door of my home address on XX/XX/XXXX threatening to place a lien on my property for incorrect dates of XX/XX/XXXX - XX/XX/XXXX ( remember the new annual isn't due til XX/XX/XXXX for the new year of XXXX ). Also, Pickett Law , LLC added attorney fees and fee for the letter placed on my door. When I emailed Pickett Law , LLC and cc 'd XXXX XXXX, XXXX contesting these additional charges, Pickett Law , LLC states a " certified letter '' was sent by process server. This is not factual. I said I plan to pay {$900.00} on XX/XX/XXXX because I do not believe I should have to pay these additional fees 9 days after an overdue letter on XX/XX/XXXX. Pickett Law , LLC claims debt collection will continue until they get the full amount. XX/XX/XXXX, I paid {$900.00} directly to XXXX XXXX, XXXX as instructed by XXXX XXXX, XXXX. Can you help me? Pickett Law , LLC has overcharged me in the past and has taken advantage of my illness to not being able to come to court. I don't want it to happen again. For example, they sued me for XXXX in court but collected over {$4000.00} from me. This company never update the courts with any of my payments until I took action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX   XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined

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 2020-04-10 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX {$600.00} XXXX  XXXX XXXX {$2300.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: AZ

Complaint narrative:
On XX/XX/XXXX I received a settlement offer from XXXX for Loan # XXXX to settle the account as paid in full for {$210.00}. They advised they would reduce the principal loan balance by 30 % and wave the remaining balance fees and interest. The offer had an expiration date of XX/XX/XXXX. 

On XX/XX/XXXX I submitted a payment for {$210.00} and received a confirmation that the payment had been received. When I login to my account the loan status reflects that the loan has been 100 % paid off as of XX/XX/XXXX. 

My credit report with Experian and XXXX  reflect that I still have a balance pending of {$93.00}. I submitted a dispute and they came back saying the balance pending is {$110.00}. XXXX continues to reports this incorrect information on top of that saying my payments are past due and reporting a late payment every single month which is destroying my credit. I reached out to XXXX directly on XX/XX/XXXX and they refuse to remove and fix the issue. I submitted the documentation such as settlement offer and proof that the loan has been paid. I also submitted bank statement showing the payment cleared and even a screenshot of my XXXX account showing it's been paid off 100 % I emailed back and forth with at least 4 people and they all refused to fix it. Experian also refused to fix it even when I submitted documentation proving it had been paid off.

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 2020-04-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Early this year on XX/XX/2020 I went to XXXX XXXX XXXX  XXXX  in XXXX XXXX and spent {$600.00} on one room and an additional {$600.00} for a second room all purchased using my Citi Prestige card. When I arrived to the hotel they treated my friends and I very poorly and thus decided to stay elsewhere. Before leaving, I spoke to the manager of the hotel, XXXX, and told her that we would not be staying at the hotel and to please cancel the hotel reservation and she confirmed that she will cancel the reservation. I took her number down as well. 

When I checked my Citi credit card statement the XXXX XXXX charge was not reversed and then I asked Citi to dispute the charge. I found out on XX/XX/2020 that the XXXX XXXX charge has been placed back on my card. Citi said that the merchant responded to my complaint, but when I opened the documents associated with this " response '', the response came from XXXX and it did not come from the original merchant which is XXXX XXXX. This was apparent for both open disputes where the merchant that responded was XXXX. 

Again, XXXX is NOT the merchant - XXXX XXXX IS the merchant. The dates the amount spent and merchants DO NOT align. 

What XXXX did is fraud and I need Citi to reverse the charges on the card and Citi needs to have their documents properly in place. 

I will attach all the recent documents from my Citibank account that reflects Citi 's two letters to me ( one for each case ) and the two attached incorrect merchant responses ( one for each case ).

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 2020-04-10 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.

Complaint narrative:
I used to have XXXX  back in XX/XX/2014which have been paid and closed that year, i would like this information to be removed from my report since there is no problem with that account, and i am having very hard times getting credit or loan from other companies, i kindly ask XXXX  XXXX XXXX to help me in my hard situation. Account number was. : 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 2020-04-10 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: EQUIFAX, INC.

Complaint narrative:
I used to have XXXX  back in XX/XX/2014which have been paid and closed that year, i would like this information to be removed from my report since there is no problem with that account, and i am having very hard times getting credit or loan from other companies, i kindly ask XXXX  XXXX XXXX to help me in my hard situation. Account number was. : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: Experian Information Solutions Inc.

Complaint narrative:
I used to have XXXX  back in XX/XX/2014which have been paid and closed that year, i would like this information to be removed from my report since there is no problem with that account, and i am having very hard times getting credit or loan from other companies, i kindly ask XXXX  XXXX XXXX to help me in my hard situation. Account number was. : 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 2020-04-10 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: CA

Complaint narrative:
ITS BEEN 60 DAYS NO RESPONSE AND ALL 3 BUREAUS ARE DISREGARDING THE LAW BY NOT RESPONDING TO CONSUMERS DISPUTES AND HOPEFULLY THIS WILL BE THE LAST TIME THEY DO THAT.

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 2020-04-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: VW Credit
State: NJ

Complaint narrative:
Volkwagen Credit , Inc and Volkswagen USA have failed to create contingency practices to recover vehicles that are at the end of their lease during the COVID-19 pandemic. Their failure to do such has created unnecessary and unfair situations for their customers. VW is requiring customers to incur additional expeneses in terms of insurance coverage and a per day fee charged by VW Credit , Inc. The additional expenses are due to my fault as a customer as I followed the proper procedure set forth by VW. VW has not made any effort to offer reimbursement for the increased insurance expenses. During this time when jobs and incomes are at risk, the additional expenses can put my family at risk of financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I deposited a {$800.00} check to Chase from my XXXX  husbands XXXX checking account on XX/XX/20. It cleared on XX/XX/20. Chase will not clear the check for 15 days. 

Chase has consistently been putting extremely long holds on my XXXX  spouses checks to me. They have tied up {$1500.00} for 15 days just this week alone. Now we are late with rent. 

I called Chase and held for 2 hours and spoke to XXXX at XXXX. I also sent images of the cleared deposits to chase via secure messaging. 

XXXX refused to call XXXX with me in a conference call with XXXX to confirm the check cleared because she does not know how to do her job and interact with a XXXX  XXXX person through an XXXX. She said we could go out in the middle of a pandemic to a branch or just wait. She refused to call XXXX with all parties sitting right there trying to explain to her how to confirm a check cleared. 

Our lease is up for renewal and we are already late with our rent. We dont need XXXX   like XXXX who dont know how to do their job absolutely destroying our finances. 

I want the hold on the cleared check released and a courtesy of {$100.00} for the rent late fees they are causing. 

This was XXXX XXXX Whatsoever you do to the least of these you do to me. Shame on Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX {$600.00} XXXX  XXXX XXXX {$2300.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$2500.00}

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 2020-04-10 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX {$600.00} XXXX XXXX XXXX {$2300.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$2500.00}

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 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2020 PHONE ACCESS UNAVAILBLE NO ON LINE ACCESS XXXX USAA Rep XXXX only works inside app on line UNABLE TO TURN XXXX ON UNTIL I AM VERIFIED. I CAN NOT ACCESS TEXT CODE WITHOUT XXXX READ BY USAA AND IT CAN NOT TURN ON. USAA does not provide on line OR PHONE ADA ACCESS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$920.00} COLLECTIONS XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: MI

Complaint narrative:
I CALLED EQUIFAX TO CHECK THE STATUS OF CORRESPONDENCE I.E. POLICE REPORT THAT I FAXED OVER XXXX THE XXXX REGARDING FRAUDULENT ACCOUNTS THAT ARE SOLEY BEING REPORTED BY EQUIFAX. NOT XXXX   NOR XXXX. THEY HAVE SUCCESSFULLY REMOVED THESE ITEMS. EQUIFAX IS THE NON COOPERATIVE ELEMENT IN THIS ORDEAL. XX/XX/20 AT XXXX XXXX  I CALLED EQUIFAX TO CHECK THE STATUS AND IT WAS TO NO AVAIL ... IM REQUESTING FOR ITEMS TO BE REMOVED AND FOR EQUIFAX TO BE CITED THE {$500.00} FINE PER ACCOUNT THAT THEY ARE REPORTING ERRONEOUSLY. WE KNOW CREDIT REPORTING AGENCIES GENERATE REVENUE FROM REPORTING NEGATIVE INFORMATION. SO IF THIS INFORMATION IS CONTINOUSNLY REPORTED EQUIFAX MAKES MONEY FROM REPORTING IT. SO THEY'RE NOT REALLY CONCERNED ABOUT REPORTING ACCURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: NV

Complaint narrative:
I AM A SENIOR CITIZEN IN XXXX XXXX, NV, WHO IS XXXX   AND SEMI RETIRED. FCI LENDER SERVICES TOLD ME ON XX/XX/XXXX THEY WOULD NOT ALLOW ANY OF MY PAYMENTS TO BE DEFERRED IN ACCORDANCE WITH THE " CARES ACT ''. A REPRESENTATIVE FROM FCI CALLED ME ON XX/XX/XXXX IN REGARDS TO MY INQUIRY ABOUT DEFERRING MY PAYMENTS FOR AT LEAST 90 DAYS DUE TO COVID 19, AND THE FACT XXXX XXXX IS SHUT DOWN. I WAS TOLD THEY HAVE NO PLANS TO COOPERATE WITH COVID 19 CONSUMERS AND THAT I MUST MAKE MY PAYMENTS OR SUFFER A POSSIBLE FORECLOSURE IF I DO NOT CONTINUE TO MAKE PAYMENTS. MY PAYMENTS HAVE BEEN PAID UP TO XX/XX/2020 WHEN THE NEXT ONE IS DUE. I AM NOT BEHIND IN PAYMENTS AS OF THIS WRITING, BUT WILL BE AS OF XX/XX/XXXX. MY PAYMENT IS {$640.00} PER MONTH. I NEED AT LEAST A 90 PAYMENT FORBEARANCE BUT CAN NOT AFFORD TO PAY THEM A LUMP SUM AFTER 90 DAYS BUT WOULD ASK THEM TO ADD THE PAYMENTS TO THE END OF THE NOTE. THEY HAVE REFUSED TO EVEN GRANT A FORBEARANCE OF ANY TYPE.

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 2020-04-10 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: MoneyLion Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a settlement offer from Moneylion for Loan # XXXX to settle the account as paid in full for {$210.00}. They advised they would reduce the principal loan balance by 30 % and wave the remaining balance fees and interest. The offer had an expiration date of XX/XX/XXXX. 

On XX/XX/XXXX I submitted a payment for {$210.00} and received a confirmation that the payment had been received. When I login to my account the loan status reflects that the loan has been 100 % paid off as of XX/XX/XXXX. 

My credit report with XXXX  and XXXX  reflect that I still have a balance pending of {$93.00}. I submitted a dispute and they came back saying the balance pending is {$110.00}. Moneylion continues to reports this incorrect information on top of that saying my payments are past due and reporting a late payment every single month which is destroying my credit. I reached out to Moneylion directly on XX/XX/XXXX and they refuse to remove and fix the issue. I submitted the documentation such as settlement offer and proof that the loan has been paid. I also submitted bank statement showing the payment cleared and even a screenshot of my Moneylion account showing it's been paid off 100 % I emailed back and forth with at least 4 people and they all refused to fix it. XXXX  also refused to fix it even when I submitted documentation proving it had been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: AZ

Complaint narrative:
On XX/XX/XXXX I received a settlement offer from XXXX for Loan # XXXX to settle the account as paid in full for {$210.00}. They advised they would reduce the principal loan balance by 30 % and wave the remaining balance fees and interest. The offer had an expiration date of XX/XX/XXXX. 

On XX/XX/XXXX I submitted a payment for {$210.00} and received a confirmation that the payment had been received. When I login to my account the loan status reflects that the loan has been 100 % paid off as of XX/XX/XXXX. 

My credit report with XXXX and Transunion reflect that I still have a balance pending of {$93.00}. I submitted a dispute and they came back saying the balance pending is {$110.00}. XXXX continues to reports this incorrect information on top of that saying my payments are past due and reporting a late payment every single month which is destroying my credit. I reached out to XXXX directly on XX/XX/XXXX and they refuse to remove and fix the issue. I submitted the documentation such as settlement offer and proof that the loan has been paid. I also submitted bank statement showing the payment cleared and even a screenshot of my XXXX account showing it's been paid off 100 % I emailed back and forth with at least 4 people and they all refused to fix it. XXXX also refused to fix it even when I submitted documentation proving it had been paid off.

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