vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-16 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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my credit report. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RSI Enterprises, Inc.
State: CA

Complaint narrative:
A robo call comes in several times a week that disconnects if the phone is answered and only leaves a recorded message. The incoming number caller ID is different everytime they call. The message identifies the caller as Rsi Enterprises inc claiming it is trying to collect a debt. I have no debt and do not know this entity. 
Several years ago my family information was compromised and someone tried to file a tax return. These calls started shortly after that. So this could be related to the same criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
On XX/XX/2019 I opened an e-mail link that took me to a website for a financial service. ELAN financial service. When I spoke to the rep she was extremely misleading and told me the wrong information. I was under the impression that I was hring a credit repair company to help me with my score and to help me repair my credit during a very hard time. I was going through a divorce. I told the rep that I had no problem making the payments and that I had just fallen behind because my wife and I could not settle our financial differences and that all I needed was help reaching out to my credit card companies to help me remove the late payments. I was under the impression that this rep would have my pay what ever fees I needed to in order to have these late payments removed. I later found out that this was not at all the service that they were providing when all of my accounts were closed down by my banks. I never received a single letter from these people and when I tried to resolve it with the manager I was not able to get anyone to understand that they completely mislead me and severely affected my credit score.

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 2020-05-16 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 — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my credit report. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On the following dates, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I have submitted information including police reports of identity theft and other identifying information and Experian has refused to investigate these items. Experian most recently sent me a letter basically telling me they will not continue to investigate items on my credit report which is against federal laws and regulations.

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 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My complaint is about XXXX / XXXX, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize two inquiries on my Transunion Credit Report on XX/XX/2019. Please remove immediately. XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2020-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
on XX/XX/2018 I got misleading information from one main a personal loan company. when I was in the process of requesting the loan nothing was explained in regards to inquiry on my credit report. There was never an explanation as to why the loan was denied. they never sent me a letter to my home either. I attempted to reach out to management to speak to them in regards as to why I was denied and was unable to get a clear answer or resolution. I was told that this would be removed from my credit score and has not be removed since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My complaint is about XXXX XXXX, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my Equifax on XX/XX/2019. Please remove immediately. XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
This information is for the XXXX XXXX XXXX XXXX. As you can see the title from XXXX county court shows that there are 2 joint tenancys. XXXX XXXX XXXX, and XXXX XXXX XXXX.If the XXXX XXXX XXXX would read the information provided out of a Colorado Law Book there is no probate and they have done no favors due to the fact that XXXX & XXXX are the owners XXXX  is not a third party. Maybe the XXXX XXXX XXXX should talk to an intelligent attorney that understands the law. There can also be a Chapter XXXX Bankruptcy filed and asking for damages with the Judge since the people at Bayview are complete idiots. Read the Law and see that there is nothing that needs to be probated and since you have been held in Contempt in Bankruptcy before this should not be a problem. These People can not say yeah we made a mistake they would rather lose millions of dollars and I am just waiting for the XXXX XXXX XXXX to send another stupid letter. Looking forward to meeting her in Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My complaint is about XXXX XXXX XXXX card service, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my Equifax file by XXXX XXXX XXXX XXXX  on XX/XX/2019. Please remove immediately. XXXX  - Card Service Inquiry from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: CO

Complaint narrative:
To Whom It May Concern : I am writing to contest an unfair charge from XXXX XXXX. Per page marked XXXX, XXXX asserts the opportunity to charge customers on the Internet Essentials program any figure, whenever they feel like charging it. I have circled two phases that relate to my complaint. The program I enrolled in " Internet Essentials '' is for people who receive community support in the form of school lunch program for children. The program offers internet at {$10.00} a month. It reads at the bottom of that same page that XXXX has the right to change the price at any time. For two months of service they charged me {$10.00} plus and extra {$150.00}. This resulted in a bill of {$320.00}. 

I did not agree to terms where I would be charged any price especially exorbinant prices with over a100 % mark up. If I had prior written notice, which XXXX asserts it does not have to supply, I would have cancelled/disconnected the service immediately. I did cancel after I received a bill for {$160.00}. By that time, I have received a second month 's charge of {$160.00} because of the billing cycle. I am willing to pay the {$20.00}, and the account is cancelled so no further charges are being incurred. 

I could never afford those prices. I have a XXXX year old with XXXX and I need to spend my money on providing for him. This unfair billing has been reported to a collection agency and credit reporting agencies. Please help me reduce this bill. XXXX does not respond to my attempts to reduce it. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I lost my job at the beginning of XX/XX/2020 due to the COVID 19. I called my credit card company Capital One. I was advised that when I made my payment by the next due date they would waive the XX/XX/2020 late charge. I made my payment of {$85.00} on XX/XX/XXXX. I advised that I was still unemployed and that I was struggling with unemployment. The rep advised to please keep them updated. I'm still struggling in XXXX and still can't find a job and still fighting with unemployment. I tried calling 2 different times and waited on hold for over 2 hours with no one picking up and then was disconnected. Today XX/XX/2020 I went online to make my payment due XX/XX/2020 and there are 2 late charges the one from XX/XX/2020 still and now the XX/XX/2020 payment. I called and spoke to a female rep and she advised there is nothing she can do. My Mom called back and spoke to a gentleman and he has waived the XX/XX/2020 late charge. My Mom asked about the XX/XX/2020 payment as still a victim of the COVID 19 and I haven't found a job yet. Per the Capital One website they say if you are a victim of COVID 19 and facing financial hardship they are their for you. Well today they made is VERY clear that they are not and their reps can lie to customers and apparently that is okay. Not cool to take advatange of the situation and they should have to update the website and indicate - Sorry we can't do anything for you! Very upset that I was treated this way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my third complaint, regarding this issue. A consumer Ligation attorney has advised me create this paper trail between myself and the XXXX XXXX. The response letter you sent shows you wholly responsible for not reporting my account accurately to the Credit Bureaus. If you do not fix this issue, My next step will be litigation. I opened a Car Loan account with XXXX XXXX XXXX in XX/XX/XXXX. I have made on time payments since then, see documents attached. I notice on XX/XX/XXXX that XXXX had completely taken off the account from my Transunion Credit Report, i have spent the last 3 weeks trying to resolve this issue with XXXX. This has impacted my credit score. I need this XXXX to report this account to Transunion, XXXX  and 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 2020-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A travel trip was planned on XX/XX/2020. All international Travel by Federal order from the US Government on XX/XX/XXXX all International non-essential trips were forbidden due to the current pandemic situation. 
I had used " XXXX '' travel services to reserve some hotel stays. Before the trip, on XX/XX/XXXX I asked " XXXX '' to cancel my reservations and refund me explaining what the US Government had resolved on prohibiting all non-essential international travel trips. I also contacted my Bank of America Credit Card to let them know all international travel outside the US had been cancelled by the US Government. I filed a claim with Bank of America Credit Card to dispute the Hotel charges coming up in the future days. Bank of America Credit Card Services took my claim and decided to follow a dispute on my behalf. The dispute was going to take up to 60 days to get resolution. The 60 days were up this past Monday. The credit for {$240.00} was there all the way up to XX/XX/XXXX. Then, this XX/XX/XXXX Bank of America Credit Card presented this same {$240.00} charge again into my account. I called Bank of America Credit Card once again today XX/XX/XXXX until they accepted my dispute once more for the same reasons described above. Yet, Bank of America Credit Card services knowing all these exceptional reasons of a once in a lifetime pandemic situation that has made many Countries in the world to change their Travel policies and cancel many trips shall have honored the dispute without avail.

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 2020-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase made an error by disputing {$49.00}. AS A and now they blame me when I try to dispute it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-16 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: GA

Complaint narrative:
Respected Parties, I presently have an excellent Credit Score and am not a " problem customer '' -- in fact, I am the perfect customer as I utilize my Southwest Chase Credit card almost exclusively. 

During the COVID-19 pandemic I ordered four ( 4 ) items from the XXXX XXXX in the amount of {$100.00} which arrived damaged. My box did not come with an invoice or bill of lading -- it did not include any information as to how to return an item which is customary with the better stores. I spent many attempts to contact the XXXX XXXX, but the store was closed -- to no avail. I even filed several complaints online and not one of my complaints was answered. The specific details are : Order # XXXX Purchase Date Posted to Chase Credit Card : XXXX Amount : {$100.00} I then tried to dispute the chase charge online, but their website would not allow me to upload the documents. I got stuck wasting hours of time online only to be told to send my dispute in writing. Then on XX/XX/2020, I filled out their required form which could not be uploaded. Accordingly, I sent the hard copy to their office address which is : Cardmember Services XXXX. XXXX XXXX XXXX DE XXXX This is for card ending in XXXX I received a Determination in the mail stating that my dispute was denied today, XX/XX/2020. They outright lied by stating they sent me something in writing previously, but I NEVER RECEIVED ANY OTHER NOTIFICATION. 

I am disgusted with this Credit Card as they deny receipt of my written correspondence, I can not get through to them on the phone and their secure email has not been working. 

I spend far too much with them for this type of service. 

The CPB was created exactly for this purpose -- they are taking advantage of the pandemic by not responding to written correspondence and in denying all claims. SHAME ON THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: TN

Complaint narrative:
I am currently repairing my credit and only wish to be treated fairly. Once I disputed the inaccurate information equafix took my score down 21 points the day after my disputes. They penalised me for disputing before the investigation was complete. They also had one of my accounts showing closed that is actually in good standing and yes I did contact the creditor to make sure it wasn't on their end. I'm currently working on getting a house for my family and things like this can only hold me back. I deserve all of my points and accurate account information to be stated on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my credit report. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate information.

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