vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In 2016, I contacted all 3 credit bureaus to advise my name and old phone numbers were incorrect. I received updated credit reports that my personal information had been updated by now on my 3 credit reports the information has re-appeared. There are several name son my credit reports that are not mine as well as incorrect addresses and phone numbers on all 3 credit reports with the 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In 2016, I contacted all 3 credit bureaus to advise my name and old phone numbers were incorrect. I received updated credit reports that my personal information had been updated by now on my 3 credit reports the information has re-appeared. There are several name son my credit reports that are not mine as well as incorrect addresses and phone numbers on all 3 credit reports with the 3 major credit bureaus.

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 2020-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND Funding Is harassing me about a debt that is not mine I have already disputed this charge that is closed on my account but it needs to be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Oportun needs to provide how they verified to XXXX  dispute XXXX and XXXX XXXX, if they are sending a numerical code back to the credit bureaus through the E-OSCAR system this is not a accurate and complete verification and the account needs to be deleted immediately. Please provide what method of verification under section 623 A under the FCRA through the cfpb portal. Marking complaints as duplicates is further violation under the fcra noncompliance penalties!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: GA

Complaint narrative:
Prior to requesting Experian to investigate my account with XXXX XXXX  XXXX who no longer holds our account as of XX/XX/XXXX my Experian Credit report score was 4 points higher on the date in which I opened the investigation in early XXXX, however, I received a notice this morning from Experian stating that my Credit Score had been negatively impacted due to retaliation from XXXX XXXX. They went in and changed some reporting components because I opened an investigation based on their reporting of various late payments during a time when we were in a work-out plan/forebearance agreement due to unforeseen XXXX XXXX XXXX   with our Daughter who was XXXX  in XXXX  for over 30 days at the end of XXXX which resulted in XXXX XXXX XXXX as a result. However, when we commence the work-out plan payments we were never late and was informed this information would not be reported to the Credit Bureaus. Also, when they transferred the account to XXXX XXXX XXXX XXXX we had just received approval for a Loan Forbearance and should not been reported late, as it was also transferred in XX/XX/XXXX. This is blatant retaliation against XXXX XXXX-American U.S. Citizens who raise issues or concerns about the ill-treatment from Creditors, as such. I previously reported XXXX XXXX  in XXXX for their misleading business practices and they are retaliating, as this account is no longer being Serviced by them and it is direct attack on my credit to oppress and suppress economic upward mobility and obtain access to capital and lower interest rates due to their ill-practices against XXXX XXXX-Americans.

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 2020-09-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have asked both XXXX and Toyota Motor to remove these fraudulent inquires to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
Prior to requesting XXXX  to investigate my account with RoundPoint Mortgage Services who no longer holds our account as of XX/XX/XXXX my XXXX  Credit report score was 4 points higher on the date in which I opened the investigation in early XXXX, however, I received a notice this morning from XXXX stating that my Credit Score had been negatively impacted due to retaliation from RoundPoint Mortgage. They went in and changed some reporting components because I opened an investigation based on their reporting of various late payments during a time when we were in a work-out plan/forebearance agreement due to unforeseen XXXX XXXX XXXX   with our Daughter who was XXXX  in XXXX  for over 30 days at the end of XXXX which resulted in XXXX XXXX XXXX as a result. However, when we commence the work-out plan payments we were never late and was informed this information would not be reported to the Credit Bureaus. Also, when they transferred the account to XXXX XXXX XXXX XXXX we had just received approval for a Loan Forbearance and should not been reported late, as it was also transferred in XX/XX/XXXX. This is blatant retaliation against XXXX XXXX-American U.S. Citizens who raise issues or concerns about the ill-treatment from Creditors, as such. I previously reported RoundPoint XXXX  in XXXX for their misleading business practices and they are retaliating, as this account is no longer being Serviced by them and it is direct attack on my credit to oppress and suppress economic upward mobility and obtain access to capital and lower interest rates due to their ill-practices against XXXX XXXX-Americans.

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 2020-09-26 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I entered into a contract with " XXXX  '' in XXXX XXXX, CA to install a fireplace in my home with the provision that I would not pay the final 10 % of the total charges until the job was complete. However, XXXX submitted a claim on my Chase Credit Card for the final payment ( 10 % / {$1800.00} ) before the job was done. So, I contested the charge. 

The fireplace installation was finally completed on XX/XX/2020 and on XX/XX/2020 I contacted Chase dispute and informed your representative that because the job was completed, the dispute could be dropped, and the vender ( XXXX  ) could be paid. I paid the charge when it showed up on my XXXX bill. 

On my XXXX statement, it reflected two charges for {$1800.00}, and two credits for {$1800.00}. I was confused by this, but since the 4 transactions resulted in no charge to me, I ignored it. 

I received my XXXX statement, and there is a NEW charge of {$1800.00}. I called Chase, and the representative told me that it had to be paid, along with interest and penalty fees. The representative refused to reverse this erroneous charge. 

XXXX  sent me an email confirming my account was paid in full in XXXX. I have been double charged by Chase Credit Card. I will expect a speedy reply to this, as well as a reversal of the current {$1800.00} charge and all penalty fees associated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: AZ

Complaint narrative:
Over the last 2 years I tried to fix problems with Transunion credit reporting. Interesting enough, is that, since i refused to sign up for their credit improvement program, the reporting got worse. Compared to XXXX, my credit score with Transunion is about 50 to 60 points lower. They seem to report negative factors only and when i file complaints with them I only get their standard, pre prepared answers. 
They do not list my car loan or my mortgage, which are paid 100 % on time and would raise my credit score significantly. 
Due to their unwillingness to report correctly, I have to pay higher interest rates with companies and banks that go by their numbers. 
It is hard to get them to change their behavior, since they do not have to follow any rules, but their own. 
I hope, CFPB can influence Transunion to fix the discrepancies in my credit reporting. A almost 60 point difference to other consumer credit bureaus is unacceptable.

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 2020-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My husband and I are experiencing a nightmare. We've been caught between our mortgage lender " LoanCare and XXXX XXXX XXXX XXXX '' and the HOA provided insurance from XXXX XXXX ( in the XXXX XXXX where we live ). For 3 years, XXXX XXXX 's insurance has covered the exterior of our home and 45 other homeowners. 

I got a new phone ( after smashing my previous phone in a bicycle accident ) so most of my correspondence has been lost due to transfer, however, this has been an ongoing issue since XXXX. In XXXX of this year, it seems to have become unresolvable without intervention. I phoned LoanCare and XXXX XXXX XXXX XXXX, in XXXX through XXXX + uploaded ( to their portal ) all the proof of insurance showing appropriate coverage for the exterior of our building. All 45 homes in our community are covered by XXXX XXXX 's policy and not one other homeowner has had these issues with their mortgage provider. Loancare refuses to accept our H.O.A. provided insurance and claims that it does not provide Wind/Hailstorm coverage for the exterior of our home. I don't have any way of modifying the insurance and we are caught in the middle. Not only have we become exhausted by sending every detail to Loancare but in addition, XXXX XXXX has faxed, emailed, and sent a hard copy to Loancare with proof that it DOES cover our exterior for Wind and Hailstorm. Again NO OTHER HOMEOWNER IS BEING HARRASSED ABOUT THIS HOA PROVIDED INSURANCE. Our family has endured more than 6 months of aggravation and emotinal stress ( damages ) and we're at our wits end. I have even gone to the extent of providing our personal interior homeowners insurance ( through HIPPO ) showing that - in the event of exterior damage leading to interior damage of things like cabinets and countertops - it would be covered. 
Our LoanCare statement shows that in XXXX Loancare debited {$2200.00} from our escrow account for " XXXX XXXX '' and that Loancare additionally debited {$340.00} in XXXX for our personal homeowners insurance which we JUST PAID from our private account on XX/XX/XXXX. We are currently experiencing financial difficulties due to COVID-19 so this has become a survival issue. I would request damages and lost time here if it were possible. We, at very least, demand that Loancare issue an immediate refund before XX/XX/XXXX so it does not effect our ability to pay our property taxes.

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 2020-09-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
After the COVID-19 pandemic, PA Unemployment issued monetary assistance ( PUA ). This was issued in the form of a debit card ( USBank Reliacard ) managed by US Bank. The card was functioning until XX/XX/XXXX when my account was flagged for fraudulent activity. I was not notified nor did their app/website have any useful information on what to do. My first few attempts to contact costumer service the number on the back of my card would fail every time, after doing research I finally found a number that I could get through to someone. They explained they just needed me to upload documents to verify who I am. After uploading my Social Security Card and State Issued ID to their website and waiting 48hrs ( which is how long they told me it would take to verify my identity ). After waiting the 2days I called back and was informed that my since the billing address on my ID was old I would also need to upload verification of my current address, and so I did and waiting another 48hrs. Upon calling again I was told that they could not view my documents because the file was not in PDF So in order for them to view my documents I needed to re submit my documents as a PDF file instead. Again after 48hrs I called back. This time finding out that I needed to Fax my documents. At this point in time multiple bills I had connected with my Relicard have been declined, I have XXXX XXXX   in which I take care of in need of food, school supplies, and basic essentials. After once again waiting another 48hrs I called back and all I was told is that there was no message for them to unlock my account and that I needed to wait 4-5 business days. When I heard this information I asked to speak to a supervisor who said that he can put in for my account to be viewed faster. Now it is XX/XX/XXXX, costumer Service has been no help, the Supervisor has been no help. There is no email for Reliacard and no other way to contact anyone who could possibly help and/give me information as to why this has happened. USBank has stolen my money, gave false Guarantees and put me and the 2 children I care for in a situation were we can not get access to basic human needs for nearly a month now, during the COVID19 Pandemic.

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 2020-09-26 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: MI

Complaint narrative:
I retained legal services by a provider, " attorney '', who provided me with legal interpretation of a Trust Document that was not correct. They didn't read the Trust completely to answer my question about the interpretation of the Trust document. 

I filed a complaint with the credit card issuer, Capital One. They have closed the dispute on my account without waiting for a second opinion, which is being obtained by the XXXX XXXX Michigan XXXX XXXX XXXX XXXX, XXXX. 

Due to the pandemic according to the agency, it will take six weeks for them to review the case. 

OnXX/XX/XXXX, case number XXXX was closed by Capital One saying they can not continue the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: VA

Complaint narrative:
Beginning on XX/XX/XXXX, I started receiving emails from Cedars Business Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX demanding payment on a traffic ticket I received in XXXX back in XXXX for the amount of {$380.00} ( fine plus late charge penalties, I assume ). My complaint is threefold : 1. I paid this fine on XX/XX/XXXX to the XXXX  authority and therefore Cedars Business Services has no ground to collect this fine. I have proof of the wire transfer for XXXX XXXX  and emails with the XXXX  agency showing they received the payment on XX/XX/XXXX. XXXX. On XX/XX/XXXX, I replied to Cedars Business Services from my email account requesting that they provide proof of their agency with the XXXX  authority, upon which I'd be prepared to provide my documented proof of payment.. To this day, I have not received any communication from them proving their agency with the XXXX  authority. Until I receive that I have no idea whether they are legitimate. 3. they continue to send these unwarranted threatening notices to my wife 's email account even until XX/XX/XXXX. 

From my research it appears that Cedars Business Services sends out these unwarranted debt collection notices and they should stop this practice. Just search Cedars in the CFPB database to see those complaints. I found at least four.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Here is what I'm mailing Best Buy Credit by Citibank : XX/XX/XXXX Best Buy Credit Services XXXX XXXX XXXX XXXX XXXX MO XXXX Re : Account Ending XXXX XXXX To whom it may concern : I recently discovered, much to my horror, that Best Buy Credit/ Citibank have been charging me roughly 1 % per month for a Debt Protection service I dont recall being offered or consenting to. I demand a full refund for those fees immediately. As of the statement dated XX/XX/XXXX, we have paid {$260.00} in fees that were never authorized by us. 
On XX/XX/XXXX, my family made a large purchase at Best Buy in XXXX XXXX, California and were delighted with the offer of 24 months interest free. We immediately set up an auto-payment in order to pay off the balance within those twenty-four months directly from our checking account. Because it was set up on auto-payment, I would occasionally log in to your credit card servicing website to verify everything looked OK on the dashboard summary. Ive attached a copy of what I typically see for reference. It illustrates there being no additional fees. 

It was only upon further inspection this week that I discovered that your firm hasnt been forthright or truthful about the fees you have been charging me. It was only after I went into the full statement where it was listed. 

This dishonest behavior by your organization further the awful reputation of the Financial Services industry in America. Its clear your desire is to hide fees and fleece our community. My heart aches for less savvy or resourced Americans who go years paying for things they never opted into. 

I expect a response and a refund of the associated fees as soon as possible. 

Sincerely, XXXX XXXX XXXX Cell : XXXX CC : XXXX XXXX XXXX   CC : Consumer Finance Protection Agency

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 2020-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
I'm constantly being harassed by Credit Collection Servic in the amount of XXXX. The account has been closed by previous company. I asked Credit Collection Servic to not contact me any more, or I will seek legal action against them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: FL

Complaint narrative:
When I called on the back of my Macys credit card XXXX it states that I have a special event account which is false. 
In XXXX I purchased a ring for XXXX XXXX XXXX birthday my boyfriend and there was a 12 month special interest on then. Which meant that I paid it off in 12 months no interest would be charged. 
The total amount was billed on my Macys store account and when I called the above number I was told that the amount for the ring was on a special event account also.I went in person and spoke to Macys Assistant Manager in the Jewelry department at XXXX XXXX who called also and confirmed that the 12 month special event only meant that if payment was made with 12 months no interest would be charged. 
I have a witness XXXX XXXX who was with me. 
On XX/XX/XXXX when I called to check on my statement balance, I was informed that a payment for XXXX was made to a Macys special event account which has a balance of XXXX. 
On my ebill payment which was supposed to made to my Macys store account via my checking account was not made even though it had the correct Macys store account Instead this special event account which is false stated that a payment was received on XX/XX/XXXX. 
Please help me. This is wrong. 
Thank you for your time and consideration.

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 2020-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
this was a online loan with XXXX 's XXXX  and they finance through montery finance ... i made an agreement for a total purchase of {$770.00}. The n let see the finance agreement and they said i would pay back {$1700.00} dollars ..Im like that's a scam ... 
So I canceled the contract ... now they are still trying to draft money out of my account which I called my bank and they stopped payment to montery finance ... I was this problem solved as soon as possible!! Thanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation