vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-29 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: CA

Complaint narrative:
XXXX XXXX  has not acknowledged my request for accommodation to credit reporting in accordance with CARES Act ( section 4021 ).

Although I have attempted mail and phone correspondence I have not received a response nor acknowledgement of my dilemma.

Earlier this year my wife was terminated from her job of 13 years due to the COVID-19 Pandemic. Amid the stress and chaos during this period there was a lapse in accounting for my XXXX XXXX account. Typically, I keep the card paid in full perennially so I dont have to worry about the monthly bill. XXXX XXXX  reported 30 day late payment to all credit reporting bureaus. The balance on the XXXX XXXX card is minimal and the companys fees can make it easy to lose track of a card that rarely gets used. 

XXXX XXXX  touts XXXX XXXX Secured VISA card as a tool to improve credit. 

Ironically, I have had the {$200.00} Open Sky ( Secured XXXX card since XX/XX/XXXX and although I have multiple credit cards with other banks like XXXX XXXX and XXXX with higher limits, this is the only card with a delinquent payment on my credit report. The 30 day late that was reported in XX/XX/XXXX is the only late credit card payment on my credit report which has a severely detrimental impact on my family. 

The opportunity to have late payment record for XX/XX/XXXX deleted due to turmoil during the COVID-19 pandemic would demonstrate professional courtesy, empathy and consumer loyalty during these trying times. 

The 30 day late report for the month of XX/XX/XXXX should be removed from all credit reporting agencies pursuant to Cares Act ( section 4021 ).

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 2020-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am writing this letter to try understanding the 30 late records which were also recorded against me on my credit file. In XX/XX/2020 Kia Motors Finance implemented a deferred payment program for customers that were dealing with the effect of COVID-19 pandemic which offered customers three months of deferred payments. I took advantage of the program offered, in XXXX and XX/XX/2020 the deferred payment program was approved ; however, in XXXX I contacted Kia Motors Finance to request a deferred payment for XX/XX/2020 I was misled and misinformed by Kia Motors finance representatives twice. 
The representative claimed to had processed the request and told me to call back within 72 hours to confirm the request had been approved, and I did, I called three days later and was told by another representative that the request had been approved however on XX/XX/XXXX I contacted by a representative regarding XX/XX/2020 payment, upon informing the rep that a request for a deferred payment was requested and approved I was informed that it had not been processed or approved. The representative stated she would attempt to help me out by processing and another request for a deferred payment and told me not to make any payments at the time until the request was processed and approved, by the XXXX of XXXX I was informed that the request was denied. 
By XX/XX/XXXX I was three months behind on my Kia care payments which were due to no fault of mine but due to the actions and misleading information given by Kia representatives.

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 2020-08-29 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: TX

Complaint narrative:
I have filed a dispute with Transunion to accurately correct the two accounts with XXXX XXXX XXXX XXXX, the dispute was completed marked as resolved, and to date the errors are still showing on both accounts. Each account was paid in full and closed between XXXX though my credit report still shows no further reporting history since the time before the account closed. I have also contacted XXXX directly who confirmed the accounts have a zero balance and was reported to each credit bureau including Transunion as such. It has been impossible to contact Transunion by phone since their Customer Service line is fully automated and does not appear to allow any opportunity to speak with an individual and only routes their website to view the report or submit a dispute. 
Under the FCRA, both Transunion as the credit reporting company and XXXX/ XXXX XXXX XXXX are responsible for correcting inaccurate or incomplete information in your report. It has now been 4-5 months since XXXX initially reported to Transunion and roughly 60 days since the dispute has closed to no avail. Please contact XXXX  directly to verify. 
I urge you to expedite and remove this disputed record within the next 15 days as I am in the process of financing a new vehicle and applying for a mortgage where both will be affected by the inaccuracies still listed on my 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 2020-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX my daughter, who was legally insured and authorized to drive the vehicle, had an accident. XXXX XXXX did not respond to my calls until XX/XX/XXXX when they instructed me to take the car to a shop and said that they would send an adjuster asap. The insurer also provided me a rented vehicle as covered by my policy. Later that day, the car was taken to XXXX XXXX XXXX where the car remained until XX/XX/XXXX when Chase repossesed it. 
In XXXX, the adjuster evaluated the car and said that it would be fixed.allegedly paid {$5600.00} to XXXX XXXX and then sent a second check that bounced. Then, I personally visited the XXXX XXXX  office only to find out they had closed due to bankrupcy. 
From XXXX through XXXX, I was in close communication with XXXX trying to solve this matter. When XXXX closed, I was assigned to XXXX  XXXX XXXX XXXX XXXX and they assigned a new adjuster to my case : Mr. XXXX XXXX ( XXXX ) XXXX Ext XXXX whom did nothing nor he responded my calls, messages etc. 
Nobody paid the sop to fix the car nor for the time the car stayed there. Chase repossesed it on XX/XX/XXXX without notifying me, Chase ancelled my GAP at the dealer insurance without my authorization and I ended with a {$14000.00} car debt, {$170.00} XXXX bill and no car. On XX/XX/XXXX, chase sent a letter saying they will sell the car as I " had broken promises on our agreement '' despite an extension ( see attached letter dated XX/XX/XXXX ) not requiring payments from XX/XX/XXXX trough XX/XX/XXXX. 
Nor Chase nor the Insurance had assumed any responsibility nor provide any suitable solution for my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I am writing you because I have three late payments on my record for a mortgage that I was paying for XXXX, XXXX, and XXXX, of 2020. I made these payments through green tree mortgage co. I was unaware that the mortgage co. Had changed and I was delinquent until I received a refund check from XXXX XXXX  on XXXX.i did not know that shell point mortgage servicing co. Was the new mortgage co. Due to the fact that I am a traveling nurse. I contacted shell point mortgage servicing company right away and to my surprise I was 3 months late. Even though I had sent those payments to green tree. I payed shellpoint as soon as I became aware of the problem. I am requesting these late payments be removed from my record because I played them on time in the first place. I am inclosing bank statements that prove I payed on time and did not even know I was late there was no notification of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
About a month I called XXXX and pay to rent a car for some Heath problem I couldn't get it i called XXXX XXXX XXXX and explains them why I could not get the car but they did want to get my money back then because this car company refused to give me my money back i did used the car I called my credit card to dispute this charge at the beginning they were suden with me after almost a month they sent me a paper saying that they can give me the money back because this company contacted and say that we were did gave them the card number and because of that I was agreed with the terms and condition it is a new way to agreed with anything they have in their contract and that's why they will not going to go forward with this claim

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: DISCOVER BANK
State: TX

Complaint narrative:
I have a loan with DISCOVER PL, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ), and XXXX ( Original Creditor : XXXX JXXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DISCOVER PL, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have a loan with XXXX XXXX, NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: Credit Management Control, Inc.
State: TX

Complaint narrative:
I have a loan with XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), and CREDMGMTCNTL ( Original Creditor : XXXX JXXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), and CREDMGMTCNTL ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX  , XXXX  , and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit  Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your company 's unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications .1 PARAMOUNT RECOVERY acct. # XXXX bal. {$1700.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: ERC
State: TX

Complaint narrative:
I have a loan with ERC ( Original Creditor : XXXX XXXX XXXX ), XXXX  ( Original Creditor : XXXX XXXX XXXX  ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, ERC ( Original Creditor : XXXX XXXX XXXX ), XXXX  ( Original Creditor : XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: VA

Complaint narrative:
I have sent several complaints to XXXX  and Equifax about fraudulent accounts and Inquiries on my credit report. I am not using credit repair company to help me in any way. I am disputing these fraudulent accounts and inquiries on my own. I am in jeopardy of using my top secret clearance and my job for this. I am responsible for taking care a family of 7. Please Reinvestigate this complaint. XXXX  and Equifax has XXXX XXXX and XXXX for XXXX. FRAUDULENT Inquiries from XXXX  XXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX  and Equifax XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX ), NCA ( Original Creditor : XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ), NCA ( Original Creditor : XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX ), and CAINE WEINER ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX ), and CAINE WEINER ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a loan with SHEFFIELD FN and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SHEFFIELD FN and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Hello : On Saturday, XX/XX/XXXX : My son, XXXX was trying to open an account with Cash App dba Square under his account name " XXXX XXXX XXXX '' & was told to test his Account by sending Money to someone which was me & for me to send the money right back to him. 

Instead of the Money coming " directly back to him off of " my own '' Cash App Debit Card, they withdrew the Money out of my Checking/Debit Card Account & the transactions failed several times which caused my Checking Account to be overdrawn. 

After further discussion & the Cash App Rep still trying to figure out the problem, I was told that they would go ahead & put the Money " right back '' in my account but they never did. Instead, they sent me a Text Message saying that my Money would be deposited back into my Checking/Debit Card Account by Wednesday, XX/XX/XXXX. They phoned me several times again & I told them I wanted my Money returned to me ASAP! 

On Thursday, XX/XX/XXXX, Cash App dba Square, tried to withdrawl the {$340.00} again. I then contacted my Bank & they said they would file a Fraud Claim & do an Investigation. 

As of today, Friday, XX/XX/XXXX, I still have not received my {$340.00} back. I reached back out to Cash App dba Square the same day asking them why I still have not received my Money as they originally promised on Saturday, XX/XX/XXXX. They responded back to me via e-mail saying that it takes several days for them to review the situation & in some cases they may not Refund the Money.

I did not authorize them to take any Money out of my Checking/Debit Card Account. 

Within a few days, my son did receive his Money back while I am still waiting. 

I have already filed a Complaint with my Bank & the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have a loan with XXXX XXXX and NATIONAL CREDIT ADJUST. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX and NATIONAL CREDIT ADJUST with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation