vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 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: Capio Partners, LLC
State: FL

Complaint narrative:
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. 
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. 
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). 
I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
A VA refinance loan was taken out without my permission. Rushmore Loan Servicing Company took out this refinance without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I spoke to someone over the phone about 2 years ago and this is for a debt from XXXX, which is more than 7 years and was inflated from XXXX $ which was my credit limit on the paypal credit to over XXXX XXXX I have been threatened to be sued, called numerous times, letters in the mail. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting an account on my credit report that is based on identity theft and Equifax is not actively investigating the matter at hand

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: AR

Complaint narrative:
I having been going back and forth as of late with the credit bureaus due to someone impersonating my identity and opening several accounts without my knowledge. This has truly caused a devastating financial impact on my current situation. I have submitted several pieces of correspondence including my identity theft report # XXXX, copy of my driver 's license, utility bill, and social security card. I'm aware of the 30 day time frame alloted under the Fair Credit Reporting Act the bureaus have to to provide accurate verification. The fraudulent account in question is ( Dept of Edu # XXXX ). This is account was established from the direct result of identity theft and should of been blocked within 4 days of XXXX, XXXX, and Equifax of being notified after receiving my identity theft report from the Federal Trade Commission. Equifax has and continues to violate my consumer rights under the Fair Credit Reporting Act in regards to consumers who have been a victim of identity theft per section 609 and 611.I have provided more than the required documentation to support my claim and Equifax should adhere the FCRA laws XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
EVERY TIME I TRY TO USE MY DEBIT CARD AS CREDIT AT ANY XXXX STORE CHASE CONSTANTLY STOPS ME AND WHEN I ASK FOR AN EXPLANATION IT IS A DIFFERENT EXCUSE EVERY TIME ALONG WITH THE EXCUSE THAT THEY COULD NOT READ THE CHIP ON MY CARD OF WHICH IS A BUNCH OF LIES. ON XX/XX/2020 I TRIED TO CHARGE {$400.00} AT XXXX IN XXXX NY BUT I WAS DENIED 2 TIMES. I THEN PAID MY PURCHASE WITH A CHECK. LATER ON I WENT INTO THE BRANCH ON XXXX XXXX XXXX S/W WITH XXXX WHO CALLED I GUESS THE BACK OFFICE WHO INFORMED HIM THAT I GOT DENIED BEING I HAD NOT USED MY CARD AT THE XXXX STORE FOR SEVERAL MONTHS OF WHICH AGAIN JUST DIDN ; T SHOCK ME BEING I HAVE BEEN GIVEN THIS SAME EXCUSE BEFORE. I REC 'D A CALL FROM CHASE LAST MONTH FROM RECORDED LINE OF WHICH I REFUSED TO ACCEPT UNLESS THE CALL CAME FROM AN UNRECORDED LINE OF WHICH NEVER TOOK PLACE EVEN THOUGH I WAS PROMISED I WOULD. I THEN REC 'D VOICE MAIL MESSAGE FROM XXXX WHOM I CALLED LEFT MESSAGE ON HIS VOICE MAIL TELLING NOT TO CALL ME FROM ARECORDED LINE. HE CALLED ME BACK FROM A RECORDED LINE FOR WHICH I REFUSED TO ACCEPT AND HIS STUPID ANSWER WAS TO GO INTO A BRANCH. I INFORMED HIM WHEN THIS MEDICAL EMERGENCY IS OVER I WOULD TAKE LEGAL ACTIONA GAINST THE BANK AND WITH THAT I HUNG UP THE PHONE REALLY ANGRY. TODAY I REC 'D A LETTER FROM THE BANK IN WHICH I WAS GIVEN THE EXCUSE THAT THEY DECLINED MY PURCHASE AT XXXX BECAUSE THEY COULD NOT VERIFY THE CHIP ON THE CARD. FURTHER ANYTIME SOMETHING GOES WRONG CHASE TEXTS ME AND I HAVE INFORMED THEM MANY TIMES I DONT WANT TO RECEIVE TEXT MESSAGES AND THEY REFUSE TO STOP SENDING ME TEXT MESSAGES. I AM UP FED. LASTLY TWO DAYS AGO I CHARGED {$840.00} VIA ONLINE PURCHASE AND AGIN CHASE STOPPED MY PURCHASE SENT ME A FRAUD EMAIL OF WHICH I CONFIRMED. WHAT IS THEIR EXCUSE FOR STOPPING THIS CHARGE? I AM FED UP WITH CHASE CONSTANTLY BLOCKING MY PURCHASES WITH XXXX  AND ANYTIME I USE MY CARD. ENOUGH IS ENOUGH.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: FL

Complaint narrative:
on XXXX I contacted BAYVIEW LOAN SERVICING , LLC about the Law that was passed On XX/XX/2020, the United States Senate passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), aimed at providing financial relief to the American people and American businesses in response to the economic fallout from the fast-developing coronavirus ( COVID-19 ) pandemic.THIS law includes THE MORTAGE DEFFERMENT ACT. and the 3 reps. that I spoke with said that this company is not going to comply with the executive order signed by President Trump. this company is litsed 501c3 non profit. they should comply with the executive order being a non pofit entity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Huntington bounced one of my checks. I opened this checking account because the bank told me I had a 24 hour grace period overdraft period. I used my debit card online by accident. I have a credit card with another bank that looks just like Huntington 's card that caused my Huntington account to be overdrawn by {$5.00} -- IT WAS MY FAULT BUT IT WAS ACCIDENTAL. My rent check bounced because I was short by {$5.00}. I have had my Huntington checking account for 7 years and have never bounced a check. I called the Bank and they told me the 24 hour grace period is at their discretion whether to honor the the grace period. My question is this -- -what are the discretion parameters???? If they do not honor a {$5.00} shortage in funds then they really don't have a 24 hour grace period -- advertising a 24 hour grace period and not allowing a {$5.00} shortage in funds is close to fraudulent and not acting in good faith to me as a long term customer in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: VA

Complaint narrative:
Hey, I'm a student at XXXX Tech. This debt was late but I paid it. I contact the company. Credit is very important to me, I'm an young male trying to build my business. Can I even do a Pay for and delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Money Transfer Acquisition, Inc.
State: TX

Complaint narrative:
A money service was sent to a person in XXXX to a personal Bank account but the associate from the DolEx booth included a wrong digit in the bank account number and was sent to the wrong bank account. I went back to the XXXX location that same day XX/XX/2020 to inform them there was an error and the associate informed me that she would send in a cancellation notice and asked me to return the following day XX/XX/2020. Today when I went back she informed me that It has not been canceled because they can't and the only way to cancel is by getting ahold of the department of XXXX Banking. The person I tried sending the money to has contacted and has taken the steps needed for the cancellation and they were informed that the issues have to be resolved on the sender 's side since the error was made by the sender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
Rewards Points Fraud.

They did not give me all reward points as advertised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Coastal Credit, LLC
State: MA

Complaint narrative:
in XXXX, buy a car financed by XXXX XXXX XXXX ( dealer ) to Coast credit ( financial ) this dealer is located in the XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, the purchase was a branded XXXX XXXX XXXX car VIN XXXX, when buying the car notices some strange things in the car that in the dealer indicated that they could arrange it in their mechanical workshop, I took it from times because of a problem when iceding a strange noise but I was told that it was something normal in those cars after six months. the engine was damaged by an internal problem the distribution chain jump and dovulas the valves the caul according to the meccanic the car sold it to me so with that problem and that when using it acress the problem call the dealer and did not make responsibility, a car that in six months was useless and I had to spend more than 2 000 in repair the next year the vehicle again presents a fault with in abs lock the crro at a speed ENTERS IN NEUTRO NOT BEING SAFE FOR PASSENGERS, the repairs of the same were made of which in XXXX XXXX had made two large repairs to that car with expenses of more than 3 thousand dollars, it is clear to see that these dealer people are scammers and sell to their customers cars damaged and do not take responsibility. The car presented or accident that stops the condition of returning it and explaining to Coastal credit what had happened they indicated that they did not have to pay the car, because to see that the car was presented again fault decibi enter it since it was not safe for either me or my family or the people who are on the road.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2020 I sent a letter to Capital One bank related to a reported late payment being reported in my credit report. I notified them that I am disputing this and asked for verification or proof bearing my signature. Within 30 days I had heard nothing back from them nor did they Mark this item on my credit report as being disputed. I sent a second letter to them on XX/XX/XXXX which was received XX/XX/XXXX. My credit report still doesn't reflect that I'm disputing the item in question and I haven't heard from them since they received this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
My credit card account was hacked by a scammer named XXXX who acted as a loan company claiming to be working with the federal government. He made payments to my account and reversed them also purchasing {$1100.00} worth of gift cards bringing my account balance overdrawn by {$1100.00} more than my credit limit amount. How could I have possibly made a purchase {$1100.00} over my credit limit? The scammer needs to be prosecuted for targeting someone like myself during a time of economic crisis due to the corona virus. Chase Amazon bank is holding me accountable to those charges and refuses to understand or help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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 — Other problem getting your report or credit score
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
Hi I'm Very upset this is Disturbing too I cant see my credit score since I've been home from XXXX  all kinds Things Went On I Cant Do Anything I AM NOT DECEASED MY NAME IS XXXX XXXX XXXX MY Address is XXXX XXXX XXXX XXXX LA XXXX last four of my ss XXXX birthday XXXX I Have No Knowledge Of These Address on my Report Besides XXXX XXXX XXXX XXXX LA XXXX Please reach Back out I need ANSWERS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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 — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Hi I'm Very upset this is Disturbing too I cant see my credit score since I've been home from XXXX all kinds Things Went On I Cant Do Anything I AM NOT DECEASED MY NAME IS XXXX XXXX XXXX MY Address is XXXX XXXX XXXX XXXX LA XXXX last XXXX of my ss XXXX birthday XXXX I Have No Knowledge Of These Address on my Report Besides XXXX XXXX XXXX XXXX LA XXXX Please reach Back out I need ANSWERS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
According to the recently passed CARES Act, lenders/credit card companies are to work with their borrowers, yet we have found this NOT to be the case with Capital One, XXXX XXXX, nor XXXX, all of whom will be made whole through the stimulus package ... yet they can not assist their borrowers and are offering nothing in the way of a deferment of payments, only the removal of late and/or over limit fees. 

We had reached out to these companies as our business had a $ XXXX loss of income between XX/XX/XXXX to XX/XX/XXXX due to COVID-19 ( as all of our customers opted to go on hold ) and our income from that time is now {$0.00}. 

Additionally, Capital One has reported a 30 day late on our account to the 3 credit bureaus, and neither XXXX XXXX nor XXXX will confirm that they will not be following suit. 

We have contacted the credit bureaus, but have had no such luck trying to work through the lenders. 

We are asking that these companies be contacted regarding their blatant disregard to working out a deferment plan with borrowers and that they NOT be allowed to report any late payments to the credit bureaus during this time, which is in accordance with the provisions of the CARES Act. 

Lastly, we have reached out to our attorney, as the only way to return to our good credit ( of which we had no late payments nor derogatory marks XXXX will most likely be to file a class action lawsuit. 

Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08 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: WA

Complaint narrative:
XXXX XXXX Companies : 1. XXXX XXXX. Capital One 3. XXXX All cards could not be paid for because of unemployment and credit score dropped by 150.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX XXXX closed my frequent flyer account stating that the miles I obtained from Citi Credit Cards were fraudulent. I need confirmation that ALL miles earned through CITI credit card accounts in my name were legitimately earned and that XXXX XXXX did not have reason to close my account due to XXXX XXXX miles activity of my CITI cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2020 I sent a letter to XXXX XXXX XXXX  related to a reported late payment being reported in my credit report. I notified them that I am disputing this and asked for verification or proof bearing my signature. Within 30 days I had heard nothing back from them nor did they Mark this item on my credit report as being disputed. I sent a second letter to them on XX/XX/XXXX which was received XX/XX/XXXX. My credit report still doesn't reflect that I'm disputing the item in question and I haven't heard from them since they received this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: DISCOVER BANK
State: NC

Complaint narrative:
Signed up for a 7 day trial for a fitness program called XXXX XXXX on XX/XX/XXXX around XXXX. I did not get training or coaching like advertised, and i did not get access to the training programs and login credentials until XXXX that same night. On XX/XX/XXXX my card was charged {$150.00} for a subscription to the fitness program around and i requested to cancel around XXXX and be refunded. The company refused and discover refused to favor in my side during the dispute. They chose to side with the merchant and not dispute the {$150.00} i was charged during a trial period that i was charged before the 7 day trial ended. I was 6 minutes late? Or really i should have been able to cancel until XXXX without penalty since i did not get access until then.

Company response to consumer: Closed with monetary relief