vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I received a notification that my credit score has dropped 50 points from a debt collector XX/XX/XXXX. The debt is showing for XXXX XXXX, the original debt was added over 7 years ago. The debt was sold twice since then and removed twice to be added back on XX/XX/XXXX. The debt is {$520.00} added by NCA, National Credit Adjustors. I reached out in form of a letter requiring proof of debt and is still awaiting a response. This has caused inconvenience by dropping my credit in the times of a pandemic. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I need you to investigate about my case, and delete the negative items that I already paid and its still on my report like a negative accounts. I have inquiries I didnt authorized and I dont want it in my credit report, delete it please.

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 2021-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX is not reporting open account or accurate balance on the TransUnion credit report. XXXX  and XXXX  is reporting my open mortgage account accurately. Ive contacted XXXX XXXX multiple times with no resolution. Ive also contacted TransUnion who directed me back to XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2021-01-11 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: TX

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! PLEASE REMOVE THIS FRAUD ACCOUNTS ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! PLEASE REMOVE THIS FRAUD ACCOUNTS ASAP!

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 2021-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
THIS IS NOT A DUPLICATE >> DO NOT CLOSE AS A DUPLICATE as you have to provide the supporting calculation requested! It is a LOANCARE ERROR that they closed the prior CFPB complaint as a duplicate when it was NOT a duplicate. 

LOANCARE responded to the CFPB on XX/XX/2021 stating this " The second lien has no interest and will be forgiven if you comply with the terms in the note. The two balances are combined on your billing statement but you are only paying interest on the first lien '' -- -n HOWEVER, LOANCARE provided no supporting calculations to support their statement. Please provide the supporting calculation that shows you are only charging interest in the Note XXXX and not the 2nd lien Note 's 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 2021-01-11 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:
I purchased 2 tickets on XXXX XXXX in XX/XX/XXXX, {$1800.00} charged to my Capital One Visa. The flights from XXXX to XXXX, XXXX, returning from XXXX, XXXX to XXXX ( XX/XX/XXXX, returning XX/XX/XXXX ) were cancelled when XXXX and XXXX closed their borders due to the Corona Virus. 

I purchased the tickets on-line thru XXXX XXXX, a XXXX, XXXX on-line travel agent. XXXX airlines refunded the cost of the tickets to XXXX XXXX on XXXX XX/XX/XXXX. XXXX XXXX as of this date ( XXXX XX/XX/XXXX ) has not refunded the charge to my Capital One Visa. 

For the last 9 months I have written letters and countless emails to Flight Network ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ON XXXX XXXX, XXXX ). 

XXXX XXXX does not respond to letters and emails, and does not answer the telephone. 

I have tried to have Capital One reverse the charge but they have refused, deferring to XXXX XXXX which states that refunds are at the airlines discretion. Since XXXX has refunded the ticket prices this is nonsense!! 

Capital One refuses to take action. I have previously written the XXXX of Capital One asking for help, but with no response. 

Both XXXX XXXX and Capital One should be sanctioned for this complete disregard of customers rights and US law. 

I have no recourse other than appeal to CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: FL

Complaint narrative:
After recently receiving an updated copy of my credit report from Transunion credit reporting agency. Ive notice that an account has been reinserted onto my consumer profile without notification 5 business day prior to reinsertion. This is a violation of federal law Account : XXXX XXXX XXXX XXXX XXXX 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Original creditor : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX and Im an American Express customer for the last 5 or 6 years. I had a limit of XXXX on one and XXXX on the other. My balance was XXXX when I started using it in the past month or so and as soon as I use the card they lower my credit limit. Not on XXXX but both. My credit score is still excellent probably even better than it was when 1st applied. I was a excellent customer, never late and never asked for an extension. If they didnt want me to use it then why give it to me. I used XXXX only out of XXXX. I would like this rectified and have my limit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I received a notification that my credit score has dropped 50 points from a debt collector XX/XX/XXXX. The debt is showing for Speedy Cash, the original debt was added over 7 years ago. The debt was sold twice since then and removed twice to be added back on XX/XX/XXXX. The debt is {$520.00} added by XXXX, XXXX XXXX XXXX. I reached out in form of a letter requiring proof of debt and is still awaiting a response. This has caused inconvenience by dropping my credit in the times of a pandemic. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: CT

Complaint narrative:
I have tried to lower the interest on my car loan since due to the situation of the pandemic I lost my job but still I continue to pay my payments and the interest is at 14.99 % and now the interest has dropped and I want to lower it but They don't want to help me, they say it can't be changed. To this day I have never stopped paying my car, I just want my interest to be lowered as the law stipulates at this time The bank that has my car loan is Westlake Financial

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 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AL

Complaint narrative:
When the pandemic started SLS put me in forbearance without my permission, only they took me off of my autopay a month before they put me in forbearance causing me to be late on a payment. I got a notice in the mail about being late for a payment, so I called and there was a voice recording that said " if you got a late notice ignore it - it is standard procedure. '' So, I ignore it. I didn't want the forbearance, they wouldn't take me out of forbearance so I just lived with the fact that I would be a few months behind on paying my mortgage because the customer service people genuinely have no clue what to do. They have no idea what's going on ( high turnover rate, maybe? ) Flash forward and they are reporting late on my credit. I call and try to explain that THEY took me off of my autopay and that this is THEIR fault. The woman I talked to was unkind, unhelpful, and ended up pushing me into a repayment plan. This is my first home, and I was scared to be late on a payment ( I am not late on ANY bills! ) so I agree to the repayment plan. I believe she entered my information in incorrectly because for months nothing was coming out and they were reporting to my credit the ENTIRE TIME. 

I called and got a male who was literally laughing at me and acting like I was overreacting about the fact that I wasn't able to pay my mortgage. Then my husband calls and gets a nice person ( who has no idea whats going on ) and they set up yet another repayment plan. That worked until the last few months of the year. So I call in XXXX because the XXXX payment didn't come out and decide to spend my savings paying the rest of this godforsaken repayment plan off. The customer service person was nice but uninformed and made things more confusing than they originally were. She told me the money had to be applied directly to repayment plan and not my mortgage or else I would continue to show as late and STILL put it in incorrectly. So now I have a XXXX credit on my account and still am showing late on my repayment plan. 

They are so difficult to deal with, they have ruined my credit, they are incompetent and they don't deserve to be in business anymore. Go look at their XXXX reviews. They are an awful company. It is insane that you have to refinance to change who handles your mortgage, especially when a company just does WHATEVER they want with your loan.

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 2021-01-11 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I don't recognize these inquiries XXXX XXXX XX/XX/XXXX no action Factual Data XX/XX/XXXX no action Factual Data XX/XX/XXXX no XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
XXXX XXXX Jefferson capital systems I sent a letter directly with this collection company I ask them to provide me verification of this alleged debt as mine with a wet signature or any instrument bearing my signature which they did not provide me with they only sent me a bill an I also placed a dispute with XXXX to confirm them that Jefferson capital systems did not provide proof and they are reporting late payments and past due on a closed ended account which is a fcra violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX- I bought a used XXXX XXXX coffee grinder online for XXXX dollars. 
The seller confirmed my money went through via chase quickpay and then never sent the product nor is responding to me. So I have sent XXXX dollars to someone when they led me to believe they would send the coffee grinder to me. Seller is now not responding to any messages or phone calls. This is a scam - I have lost XXXX dollars and my bank chase is not reversing the transaction. I have the documentation to prove this is a scam but they will not even look at it. 


XX/XX/2021 - Spoke with XXXX XXXX fraud department multiple times and they insist they can not do anything about this transaction. This is a bank account tied to a real person and they can not reverse it? Many people are getting scammed by this person and I have the documentation to prove it. However they will not even look at the evidence. They just refuse to reverse it and refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Symphony bank has added and adsorbent rate of 29.99 % to a purchase and continues to add a monthly interest fee. I had an 18 month interest free promo and monthly payments should of paid the balance in full after 18 months. That did not happy and they added intereste over the entire purchase. I submitted two emails XX/XX/XXXX and XX/XX/XXXX and rec 'd a canned response. Called and spoke with four different Account Managers, two on XXXX, XXXX and XXXX. They refuse to work with me and I can't speak to a decision maker around the process. I paid my purchase amount in full XX/XX/XXXX and they still will not work with me on the absorbent interest. I will never get out ahead if they keep adding on monthly interest.

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 2021-01-11 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
My Credit Report shows that I have 3 Late Payments and it doesnt give or list the Company Name, Phone number ( s ) or the Dates of the Late Payment. I have never been late on my payments and I can not find where this incorrect information is located or coming from. I Dispute the 3 listed Late Payments that on my Credit Report. XXXX XXXX XXXX, DOB : XX/XX/XXXX. 
Mobile # ( XXXX ) XXXX Email : XXXX Mailing Address : XXXX XXXX XXXX, XXXX NM XXXX, Physical Address : XXXX XXXX XXXX, XXXX NM XXXX.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 2021-01-11 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: MA

Complaint narrative:
I need Consumer Financial help with Experian, I am facing problems with Experian for several months regarding the account below. 

On XX/XX/2018, I disputed this account on my Experian report XXXX in my file with Experian in regarding XXXX XXXX Public Record - REF XXXX XXXX .... 
and Experian has verified with this note below : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details - ( Experian report XXXX ) This answer from Experian is not possible and not true, because first, the United States XXXX XXXX not XXXX company! Were Experian verify this information? and if Experian got this information from a 3rd party, it is illegal. When I sent my dispute to Experian I provided Experian with the United States Court Clerk official letter explaining this information below : This court neither provides credit reporting agencies with information or 3rd party company ( letter from clerk attached ) I am upset that Experian and all these credit reporting agencies would try such a blatant stall tactic. It is clear that Experian never has the intention to investigate my consumer case and always using false tactics to damage consumer reports. Experian needs to delete this account from my Experian file immediately. 

Enclosed is a copy of my original letter and certified green receipt with the disputed items.

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 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/21 - account was locked for fraud and Citbank is refusing to unlock funds, fix payments or close acocunt

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 2021-01-11 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: ERC
State: AZ

Complaint narrative:
Have an item on my credit report from company that is not mine.have requested documents and nothing received from company or credit bureau. The credit bureau refuses to allow me the option to upload any documents online. They cont to close with no proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XX/XX/2020, in which I am charged for amounts up to {$800.00} from the period of XX/XX/2020 to XX/XX/2020. On XX/XX/2020 my account balance was {$1300.00}. The last major transaction I made was a airline ticket which brung my balance to a remander of {$840.00} on XX/XX/2020. ANY TRANSACTIONS AFTER XX/XX/2020 is fraudulent..I sent all information in letter included with police report 3 times ( once myself and 2 from a XXXX  XXXX  I'm with and I was told they declined my disputed but they still hold to my STATE TAX RETURN AND HASN'T RELEASED IT Even in the letter I have evidence from the police and a statement from the company how didn't possession of the card on the dates of the transactions

Company response to consumer: Closed with explanation