vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 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: IL

Complaint narrative:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
In XX/XX/2020 I was offered to be placed on a payment plan for my Gold and XXXX  AMEX card which I accepted. I made payments on both cards to start the plan as required. Prior to the next months due date I called to update my payment information as my debit card had to be replaced. I was informed by the agent that my payment information was updated. When I noticed that no payments were processed after the first payment I called to inquire and was told that the plan was instead cancelled, which I did not authorize. My credit report then showed I had 30 and 60 days delinquencies all due to AMEXs decision to cancel my established payment plan without my knowledge. 

I spent weeks calling to get the late payments taken off my credit report only to be told they were researching the issue, but that they would call me back the next day. Of course, I never received any follow up calls. I finally was contacted by the AMEX Executive Office, who after multiple weeks of researching what happened assured me that my credit report would be updated and the late payments removed. Two months later nothing has changed.

Ive actually received emails that are offering me payment plans for cards that aren't even mine, which goes to show how disorganized AMEX apparently is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18 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: JPMORGAN CHASE & CO.

Complaint narrative:
Well I discovered that a credit card was being used without my knowledge for a long period of time and it showed up on my credit report and I have never dealt with this company before but its being paid on time but from the income I bring in its showing my credit card use is at its max unsuccessful to get in the account cause I dont have the username or password and I want it removed from my credit report cause that card does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, my credit card account was hacked by someone who drew {$1000.00} through XXXX XXXX XXXX NY Digital Account Number XXXX. By that time, I did not know about this case. Started from XX/XX/XXXX, the late fee and interest began charging. Until XXXX, XXXX, I found this charge when I checked my credit card online. That I reported to Citicard. They spent several months to do investigation. Then in XXXX, they cancelled the {$1000.00} charge but not the late fees and interest. The late fee and interest was {$110.00} in XXXX. This charge continued to grow and right now, it accumulated to {$360.00}. Around in XXXX, XXXX, I gave a call to Citicard with the phone number of XXXX. The representative could not help and transferred me to other department. Turn out no solution. A few days ago, I received a message from Citicard and requested me to pay the due charge. I gave a call to the phone number of XXXX and told to the representative with my story. She called her manager for help. But the manager said that she could not do anything.

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 2020-12-18 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.
State: CA

Complaint narrative:
I was in deferrance and on XXXX and not supposed to be making payments and it says I missed payments. 

Also its going back reporting passed 7 years I feel and it never goes down in the amount I owe even though Ive paid on it for years and years

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 2020-12-18 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.
State: CA

Complaint narrative:
I was in deferrance and on XXXX and not supposed to be making payments and it says I missed payments. 

Also its going back reporting passed 7 years I feel and it never goes down in the amount I owe even though Ive paid on it for years and years

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 2020-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

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 2020-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
What would be fair is to re-modify the loan and do what is right. Loancare, your are getting your money, plus some. Give back the {$30000.00} ( number not exact ) After the 30 years I will pay {>= $1,000,000} Plus, what I already paid, the first 2 years.

Please fix this, I am asking you from the bottom of my heart. 


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 explanation
Consumer complaint received 2020-12-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

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 2020-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
I have attempted to contact Transworld Systems Inc separately with no resolution. I also attempted to contact XXXX XXXX XXXX XXXX. They state that I have an active balance through XXXX XXXX XXXX XXXX of {$61.00} I provided documentation to both Transworld and XXXX XXXX XXXX XXXX 6 months ago showing that I have the payment confirmation receipt for this debt. I paid it on XX/XX/2019. The debt still remains on my credit report. 

I filed disputes with all three credit bureaus. XXXX  and XXXX quickly removed the item from my credit report once I provided support ( 2 days ). 

XXXX conducted a sham investigation that took nearly a month to complete and refused to remove the item from my credit report. I filed a second dispute and they again refused to remove the item from my credit report. 

I am filing this complaint because I do not think it is just to have to pay a debt twice due to faulty record keeping between XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Mr. Cooper Group Inc.
State: PR

Complaint narrative:
Nationstar Mortgage is reporting incorrectly my credit report. They are reporting late payments from XX/XX/XXXX to XX/XX/XXXX, XXXX ( XXXX late payment ) that never happened. I had a loan modification due to unemployment and never stopped to make my assigned payments. They stablished a payment for XXXX months equal to the new payment will be and then proceed with a modification. All this time they were telling me that my credit will not be affected. I stared XXXX different disputes with the credit agencies without a satisfactory result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Portfolio Recovery is calling my XXXX mother 's house daily, sometimes multiple times a day despite the fact that they know where I am and even have taken me to civil court. They are absolute scum.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XXXX XXXX is calling my XXXX mother 's house daily, sometimes multiple times a day despite the fact that they know where I am and even have taken me to civil court. They are absolute scum.

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 2020-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC
State: IL

Complaint narrative:
Please review the attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I recieved an email message on XX/XX/2020 communicating that my checking account had been suspended and that I would need to re-submit photocopies of the front and back of my ID Card in addition to 2 utility bills and also a selfie photo of myself holding my ID Card. In response to this email message I requested that my account be closed and a check be sent to me with the remaining balance of my account ( more than {$2500.00} ). I called the bank the next day to reiterate my request for account closure and a check for the balance of my account sent to me by mail. The bank refuses to send the funds within my account unless I meet their unreasonable demands for identity verification. I no longer wish to bank with Axos Bank and would like my funds returned to me as soon as possible. Please help me secure return of my money from Axos Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I disputed this collection with XXXX after not agreeing to information on credit report. Now I have a missed payment on my credit report reporting from closed collection that has been charged off. This is not right and should be removed from my credit report

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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Using XXXX website, all 3 companies refuse to provide their reports online. No reason given. This entire website is set up to allow online access to credit reports. 

Im limited to sending them letters requesting these reports? 
I have to provide photocopy proof of identity and address that is not required on this website? 

Its appears to be a collusion of calculated intents to suppress my access to a free credit report. 

Of course, these companies are more than willing to sell me my credit report on their company websites, and without any photocopied proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I had a Sears credit card through Citibank that was closed in XX/XX/XXXX or XX/XX/XXXX with about a 5 year repayment program at zero interest. All payments were made in full and on time until the coronavirus, or covid-19, hit in XXXX. I contacted them as my XXXX  were mandated closed plus XXXX XXXX used the writ of force majeure to cancel months of bookings at my XXXX  with no notice and without the contractual compensation. Additionally I am a XXXX XXXX XXXX and that was obviously shut down. 

I contacted Citi to explain that it would take me a couple months to navigate and figure it out as I was facing an instant $ XXXX loss with no notice. They stated that as long as the loan was paid off in full by the end of the agreed upon period ( one of the accounts is already fully paid ) that it would not be an issue. 

After a couple of months of figuring things out I paid everything and caught the accounts up. One is paid off and one is now completely current. Despite this Citi has reported me to the credit bureaus as having been late. They offered NO covid-19 deferment or patience and they lied about their procedures. One rep wouldn't even tell me what the protocol was. 

My credit tanked as a result of this reporting. It was used against me by other banks to close many of my cards and lower the limits on many others to exactly what I owed. Some accounts went from an {$8000.00} credit limit to the {$1000.00} that I owed them. This has destroyed my debt/income ratio. When I have tried to use my credit since it is used as the reasoning for denial. 

This will not be on my credit for 7 years apparently, rendering over 4 years of perfect payments completely meaningless. It is preposterous to do this to an individual who has lost their source of income at a moment 's notice without warning due to no fault of their own from this act of God. This was a force majeure event for me as well, and if banks and corporations can use this legal precedence against a consumer then I should be allowed the same grace against them. 

I caught these accounts up and I have as close to a perfect payment record as you can get.

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 2020-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Card was used in XX/XX/2017 fraudulently and I reported it immediately and they are saying now that I should have gotten a police report. It CLEARLY WWASNT ME and I want it taken off of my credit report

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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Using XXXX website, all 3 companies refuse to provide their reports online. No reason given. This entire website is set up to allow online access to credit reports. 

Im limited to sending them letters requesting these reports? 
I have to provide photocopy proof of identity and address that is not required on this website? 

Its appears to be a collusion of calculated intents to suppress my access to a free credit report. 

Of course, these companies are more than willing to sell me my credit report on their company websites, and without any photocopied proof of identity.

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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Using XXXX website, all 3 companies refuse to provide their reports online. No reason given. This entire website is set up to allow online access to credit reports. 

Im limited to sending them letters requesting these reports? 
I have to provide photocopy proof of identity and address that is not required on this website? 

Its appears to be a collusion of calculated intents to suppress my access to a free credit report. 

Of course, these companies are more than willing to sell me my credit report on their company websites, and without any photocopied proof of identity.

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