vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I was in desperate need of a vehicle and the dealer convinced me accept a loan from XXXX XXXX XXXX for $ XXXX/month. I was told i could refinance in 6 months. When I attempted to refinance I was told by XXXX XXXX that refinancing wans't an option or a service they offered. I struggled to try and make the payments on the loan but it was repossessed in XX/XX/XXXX. 

I have been trying to correct this matter and since I have started appealing the report for the balance owed, after the vehicle was sold at auction ; XXXX XXXX XXXX has in retaliation, started reporting to the CRA as a charge off every month. My accounts now show 16 charge offs, since I am refusing to settle for their intimidation, They still call me and my relatives daily. 

I have mailed the attached letter to XXXX XXXX XXXX and I am prepared for my attorney to follow up.

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 2020-03-27 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: NH

Complaint narrative:
Complaint summery Experian has failed to respond to written disputes in 30 days. Experian has failed to verify and validate inaccuracy 's on my credit report. I am requesting to have these immediately removed.

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 2020-03-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently purchased a copy of my credit report where I found several error I called the credit reporting company as was told I couldnt dispute several items this is a violation of my consumer reporting rights Accounts in questions are below along with the errors 1 ) XXXX  XXXX XXXX Account status states 62 to 90 days this is not true account was always paid on time and the history listed on the reports shows on time payments the account status is clearly a error 2 ) XXXX  XXXX XXXX XXXX # XXXX Account status shows 120 days this is not true please verify account balance and history 3 ) XXXX # XXXX**** Balance shows zero history shows paid and closed however account status states 61 to 90 days Please correct Also I didnt and have not applied for credit with following companies and wish to have inquiries removed ASAP XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: I.C. System, Inc.
State: FL

Complaint narrative:
the collection company named : I C SYSTEM COLLECTIONS has falsely reported collection on my name and they don't if they really have my social security number? 
I contacted the Original creditor reported on their claim and they are not aware of any collection on my name meanwhile I am a month to month membership and I have ALL the receipts of my up to date payments I contacted the agency IC SYSTEM COLLECTION and they still did not remove the information from my credit report This is really false and it hurt my credit rating too much without any fault from my side Please I need this information to be removed from ALL my credit reports and I need to know if this company has my social security number and how they get it Thank you 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 2020-03-27 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: BCI FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I have maintained a 100 % perfect payment record of timely, on time payments for over 7 years with City National Bank ( CNB ), based in Florida. 

In XXXX, I learned of a very sick family member who had traveled overseas and ultimately was found to have been afflicted with the XXXX XXXX. 

During the time I was caring for them, on XX/XX/XXXX I closed on my home sale thereby paying off my HELOC with CNB.

I recently discovered through my credit report monitoring that CNB destroyed my XXXX  score and lowered it by almost 140 points by reporting a single late 30 day payment!! 

This payment related to when I was caring for my deathly ill relative and in the midst of my home closing transition. I called the XXXX XXXX XXXX XXXX number to politely ask them to remove the adverse credit mark due to these highly extenuating circumstances. 

I then was referred to another office who was responsive but ultimately spoke to the " powers that be '' and said that " since they get audited all the time, they could not make this adjustment for me, unless it was exclusively a bank error. '' Given my 7 year unblemished payment history and that I was involved in caring for a XXXX   victim and was advised improperly that there was no need to make the last payment as it would be adjusted on the final settlement statement when I had called them in XXXX, it is HIGHLY UNSCRUPULOUS AND AN UNFAIR BUSINESS PRACTICE TO maintain this negative mark on my credit during these troubled times and unfortunate circumstances. 

I am hopeful that you can rectify this matter with CNB promptly before me taking the next steps and involving the news media as well as the District Attorneys 's office and my local Senator. Thank you in advance for your attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 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: OH

Complaint narrative:
I do not know what kind of games this collection agency is trying to play. I requested a signed credit agreement and I did not receive that. XXXX  sent me copies of some statements and the statements were not the originals but nonetheless I requested THE SIGNED CREDIT AGREEMENT BEARING MY SIGNATURE. XXXX  closed the accounts but did not remove the accounts. The accounts need to be removed NOW! The accounts are fraudulent! No one has provided me with nothing with my signature. I have requested this information numerous times. I have seeked legal representation a consumer attorney for legal advice. If this goes to court XXXX  will have to show a signed agreement with my signature and a host of other paperwork. I also need details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I emailed XXXX  on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I can prove that XXXX  responded that they received my emails but did not send the information that I requested. REMOVE IMMEDIATELY the three accounts on all 3 credit reports. This is not a duplicate complaint. Please do not send me a email stating this complaint is closed due to it being a duplicate. This is not a duplicate!

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 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I do not know what kind of games this collection agency is trying to play. I requested a signed credit agreement and I did not receive that. XXXX sent me copies of some statements and the statements were not the originals but nonetheless I requested THE SIGNED CREDIT AGREEMENT BEARING MY SIGNATURE. XXXX closed the accounts but did not remove the accounts. The accounts need to be removed NOW! The accounts are fraudulent! No one has provided me with nothing with my signature. I have requested this information numerous times. I have seeked legal representation a consumer attorney for legal advice. If this goes to court XXXX will have to show a signed agreement with my signature and a host of other paperwork. I also need details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I emailed XXXX on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I can prove that XXXX responded that they received my emails but did not send the information that I requested. REMOVE IMMEDIATELY the three accounts on all 3 credit reports. This is not a duplicate complaint. Please do not send me a email stating this complaint is closed due to it being a duplicate. This is not a duplicate!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Two disputes attempted for an airline tickets from United airlines due to COVID-19, chase bank denied these disputes for none sense reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Called in to Us Bank waited about 2 hours on hold, due to covid 19 my husband has been laid off and as far as we were informed they are to offer some type of relief for this horrible situation. The relief they offer is to skip 90 days of paying our mortgage and will have to pay all 90 days that were not paid at the end of these 90 days how is that considered ethical ... this is not help if a customer is not working how will XXXX XXXX dollars just be easy to pay when you dont have it month to month. Please help, I know other banks have better options, they need to comply also on this pandemic we have going in the US.

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 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper website is not working and I am trying to reach someone in Mr. Cooper to renegotiate my loan. there is no way to contact anyone on their website or on Phone. I waited two hours today to get someone to speak to, to renegotiate the loan under new law due to the epidemic of Corona Virus but to no avail. Please see the screenshots. 

Mr Cooper 's website is down and no one is picking up the phone at their customer service, so someone needs to contact me as soon as possible to renegotiate my loan terms because looking at the current situation I will not be able to pay my monthly Mortgage as it is too high looking at the epidemic and economic downturn. 

Here is the synopsis of the new law - The legislation will provide 60 days of forbearance, or a delay in foreclosure, for borrowers with federally backed mortgage loans, starting that period on XX/XX/XXXX. It will allow six months of forbearance for those experiencing economic hardship because of the outbreak. 

For those who've taken out federally backed mortgage loans for multifamily properties, the forbearance period will be 90 days. Borrowers receiving forbearance will not be able to evict or charge late fees during that period to tenants who fail to pay rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
From : Midland Mortgage To : Affected Covid-19 Borrowers ( They are requesting that borrowers pay entire amount of the three delayed payments immediately after the forbearanceXXXX. Most borrowers will simply not have the available funds ) Midland Mortgage wrote : COVID-19 update for our customers For customers who may not be able to make their mortgage payments because of the coronavirus, we are offering a short-term mortgage assistance plan that delays mortgage payments for three months XXXX, XXXX and XXXX. 
How the plan works : You arent required to make regular monthly mortgage payments for three months. And for those three months, no late fees will be charged and delayed payments wont be reported to credit agencies as past due. 
At the end of the three months, all three delayed payments ( and any other past-due payments ) will be due. If you are not able to make the payments then, well evaluate you for additional mortgage assistance options. 
If you decide you dont want or need to delay your payments for three months, let us know on our website or reply to this email. 
Next steps : Well send you a letter outlining all of the details of this short-term mortgage assistance plan and the next steps to take. If you have any automatic payments scheduled for XXXX, you should go ahead and cancel those. 
Thank you for your patience while weve worked on ways to assist our customers during this crisis.

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 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I experienced an issue with the Barclay Card US Upromise Card. I mistakenly paid down my balance twice resulting in a credit balance of over $ 16k. I spoke with customer service and emailed customer service and the response was the same from both. They told me to go to my bank and recall the payment ( ACH ). Several days after the funds were returned, I received a letter from Barclays telling me that I would be charged a returned check fee of {$28.00} and that due to the fact that there was a returned payment, my credit line would be reduced from $ XXXX to $ XXXX. All of this despite the fact that entire balance had been paid, there was a XXXX balance on the account and I followed their instructions to get the over payment refunded. I emailed them twice ( XX/XX/XXXX and XX/XX/XXXX ) and they have not responded. Phone wait times were excessive and I gave up trying to contact them on the phone. At this point, I want the returned payment fee refunded and the account 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 monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
The company, Phoenix Financial Services, sent me correspondence regarding resolving a debt. I called them, they offered a settlement amount to resolve the entire debt owed, and I paid that amount to them. I have a picture of the transaction of the payment I made to them. This payment was made on XX/XX/2019. I recently checked my credit report, and the same debt they agreed would be resolved had not been cleared off my credit report, and worse the balance was still the original balance, so the money I paid Phoenix was not even taken off my balance at the very least.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have maintained a 100 % perfect payment record of timely, on time payments for over 7 years with XXXX XXXX XXXX  ( XXXX ), based in Florida. 

In XXXX, I learned of a very sick family member who had traveled overseas and ultimately was found to have been afflicted with the XXXX XXXX. 

During the time I was caring for them, on XX/XX/XXXX I closed on my home sale thereby paying off my HELOC with XXXX. 

I recently discovered through my credit report monitoring that XXXX destroyed my FICO score and lowered it by almost 140 points by reporting a single late 30 day payment!! 

This payment related to when I was caring for my deathly ill relative and in the midst of my home closing transition. I called the XXXX XXXX XXXX XXXX number to politely ask them to remove the adverse credit mark due to these highly extenuating circumstances. 

I then was referred to another office who was responsive but ultimately spoke to the " powers that be '' and said that " since they get audited all the time, they could not make this adjustment for me, unless it was exclusively a bank error. '' Given my 7 year unblemished payment history and that I was involved in caring for a XXXX   victim and was advised improperly that there was no need to make the last payment as it would be adjusted on the final settlement statement when I had called them in XXXX, it is HIGHLY UNSCRUPULOUS AND AN UNFAIR BUSINESS PRACTICE TO maintain this negative mark on my credit during these troubled times and unfortunate circumstances. 

I am hopeful that you can rectify this matter with XXXX promptly before me taking the next steps and involving the news media as well as the District Attorneys 's office and my local Senator. Thank you in advance for your attention.

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 2020-03-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have maintained a 100 % perfect payment record of timely, on time payments for over 7 years with XXXX XXXX XXXX  ( XXXX ), based in Florida. 

In XXXX, I learned of a very sick family member who had traveled overseas and ultimately was found to have been afflicted with the XXXX XXXX. 

During the time I was caring for them, on XX/XX/XXXX I closed on my home sale thereby paying off my HELOC with XXXX. 

I recently discovered through my credit report monitoring that XXXX destroyed my FICO score and lowered it by almost 140 points by reporting a single late 30 day payment!! 

This payment related to when I was caring for my deathly ill relative and in the midst of my home closing transition. I called the XXXX XXXX XXXX XXXX number to politely ask them to remove the adverse credit mark due to these highly extenuating circumstances. 

I then was referred to another office who was responsive but ultimately spoke to the " powers that be '' and said that " since they get audited all the time, they could not make this adjustment for me, unless it was exclusively a bank error. '' Given my 7 year unblemished payment history and that I was involved in caring for a XXXX   victim and was advised improperly that there was no need to make the last payment as it would be adjusted on the final settlement statement when I had called them in XXXX, it is HIGHLY UNSCRUPULOUS AND AN UNFAIR BUSINESS PRACTICE TO maintain this negative mark on my credit during these troubled times and unfortunate circumstances. 

I am hopeful that you can rectify this matter with XXXX promptly before me taking the next steps and involving the news media as well as the District Attorneys 's office and my local Senator. Thank you in advance for your attention.

Company response to consumer: Closed with explanation