vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i have been making regular payments since XXXX and even automated payments through their system and they are still reporting my payments late when they are not. I am part of a debt management plan. I requested Capital One to process my payments promptly or change my due date and they refuse to update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
On XX/XX/2015, I brought my son to the Emergency Room at XXXX XXXX in XXXX, MI with a XXXX  on his XXXX  that I did not want to get infected. As we were about to be released, the doctor took a last look at my son 's XXXX  and decided he should go to University XXXX XXXX   XXXX XXXX Hospital in XXXX XXXX, MI. He stated they would arrange the transportation. XXXX XXXX XXXX transported my son the thirty-two miles to XXXXXXXX XXXX XXXX Hospital in XXXX XXXX. Their billed rate was {$1100.00}. My health insurer at the time, XXXX, was ending my plan at the end of the year as they were purchased/merged with XXXX. The claim number is XXXX. After much time on the phone to remedy the billing issue, XXXX ( now part of the XXXX family ), issued payment to XXXX XXXX XXXX their contracted rate, {$880.00}. For some reason, XXXX XXXX XXXX charged the difference to me instead of contacting XXXX/XXXX  for any billing discrepancies. My coverage plan contract covered 100 % of the charges after I met my family deductible ( which I did meet ). Due to the length of time it took to resolve, it has been sent to collections and subsequently damaged my credit rating. I should not be responsible for the lack of communication between a Healthcare Insurance provider and its contracted vendor. The collection agency which represents XXXX XXXX XXXX XXXX Merchants & Medical Credit, will not listen to anything I have to offer, excepting method of payment. Thanks in advance for taking the time to read.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC

Complaint narrative:
The Debt collector NRA emailed me stating that I owed a debt from XXXX of XXXX  but I have yet to receive in phone calls and or any letters in the mail when I use to live at that address. This is the only time I am hearing of this debt and I am all the way in XXXX now. I am just now receiving something on 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 2020-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I also received a XXXX PPP loan from the government to aid in my XXXX XXXX. Before that, I had paid XXXX to put as a down payment for my son 's mortgage and then Sun Trust Bank cancelled and closed my account and froze my account statements. 

The bank closed my account and froze my assets and will not tell me why and basically all my payments are behind because of it.

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 2020-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Constant calls for family member who lives hundreds of miles away and whom I haven't lived with for 20 years. Call personnel cell phone which I have never shared with family member. Caller says they received my phone number via XXXX Skiptrace service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: CO

Complaint narrative:
I SENT CERTIFIED LETTER XX/XX/2020 TO EXPERIAN DEMANDING PROOF OF HOW, WHAT METHOD AND WHO THEY VERIFIED XXXX XXXX XXXX XXXX  WAS AN ACCURATE COLLECTIONS ACCT AND EXPERIAN REFUSED TO PROVIDE THE INFORMATION AND IS STILL REPORTING AS A COLLECTIONS ACCT!! XXXX  AND XXXX  HAS REMOVED THIS ACCT. EXPERIAN REFUSES EVEN THOUGH THEY DID NOT AND COULD NOT VERIFY THE ACCURACY OF THIS ACCT, Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification.

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 2020-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-22 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 been making regular payments since XXXX and even automated payments through their system and they are still reporting my payments late when they are not. I am part of a debt management plan. I requested XXXX XXXX to process my payments promptly or change my due date and they refuse to update it.

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 2020-07-22 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: TX

Complaint narrative:
i have been making regular payments since XXXX and even automated payments through their system and they are still reporting my payments late when they are not. I am part of a debt management plan. I requested XXXX XXXX to process my payments promptly or change my due date and they refuse to update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: TX

Complaint narrative:
i have been making regular payments since XXXX and even automated payments through their system and they are still reporting my payments late when they are not. I am part of a debt management plan. I requested XXXX XXXX to process my payments promptly or change my due date and they refuse to update it.

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 2020-07-22 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:
Before COVID-19, my fianc and I booked our honeymoon vacation with the travel agency XXXX  for a package deal that included the resort and the flights together. Due to COVID-19, XXXX went out of business and cancelled our reservation, forcing us to dispute the charge with Chase. As the vacation was bought under one package deal but billed separately for the resort and the flights, we only received the refund from Chase for the resort portion leaving us with flights that we could no longer take. Upon disputing our flights twice with Chase, XXXX rebilled our account stating that the services had not yet been rendered. We were due to fly XX/XX/2020 - XX/XX/2020. Although the U.S. XXXX border is closed currently due to the pandemic, XXXX did not even have the courtesy to notify us that the flight was cancelled. We only received a text message from XXXX who is operating the flight notifying us that the flight was cancelled. 

I contacted XXXX several times in hopes of getting a refund for the cancelled flights, and was treated in an inhumane manner and told that I could only get a voucher at best which wasn't even initiated on their behalf. I asked them to refund me according to the guidelines provided by the U.S. Department of Transportation. Seeing that XXXX was not willing to work with me, I reached out to Chase yet again with hope that they would help their client resolve this issue with a merchant. This was unsuccessful as they told me that the flight is non-refundable and sided with the merchant TWICE saying that the services were available during the dates when clearly the border is closed and the flights were cancelled. I'm still dumbfounded at the fact that Chase is allowing XXXX to charge me for a flight that I physically could not take as international travel is still banned. THE SERVICES WERE NOT RENDERED BY XXXX. This is an unfair and deceptive practice. 

I was told by multiple Chase agents to reopen the dispute only to receive a response saying that XXXX provided sufficient evidence and didnt even give me a chance for a rebuttal. I sent in more than enough evidence with receipts of the transactions, screenshots of messages with the flight cancellations, and even quoted the DOT guidelines. I have been a loyal Chase client with a total of 4 open accounts. I am supposed to be a client of Chase, however I feel that theyre siding with XXXX and doing ANYTHING to help me out in this time. I am extremely frustrated and disappointed and feel helpless in this time against these big companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
I have previously had a commercial bank loan with XXXX XXXX XXXX  ( now defunct ) which was merged into First Horizons Bank. The loan was paid in full on XX/XX/XXXX. I have been unsuccessful in multiple attempts to get First Horizons Bank to remove their lien from my properties despite their assurance that I have fully satisfied the conditions of the loan. First Horizons Bank 's failure to file a " Cancel of Judgement '' has jeopardized real estate transactions in process. 

First Horizons Bank representatives have acknowledged that there is no outstanding balance due on this account and has promised on several occasions to file the " Cancellation of Judgement '' with the appropriate court. I faxed all requested information to First Horizon Bank twice ( XX/XX/XXXX and again on XX/XX/XXXX XXXX including a previous letter from XXXX XXXX XXXX  stating that the account was " paid in full. '' I was informed that all necessary information has been received and that the " Cancel of Judgement '' would be filed in XXXX County, NC court within three business days of the receipt of documents. This has not been done as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: MA

Complaint narrative:
For 12 years, Bank XXXX did not let me refinance with another banks because bank XXXX marked my credit report 2 times in XXXX and XXXX with incorrect information and complicated my life moral and financial. 
First they made a mistake with my whife name XXXX XXXX XXXX XXXX XXXX, the bank included her name on the title and the mortgage was only in my name XXXX XXXX XXXX XXXX. We bought the house in XX/XX/XXXX and we lost the house in XX/XX/XXXX the Lawyer XXXX XXXX XXXX said for us leave the house, then we back to the house in XX/XX/XXXX because the bank XXXX didn't take the house back, we don't know why because we don't know how the law with Mortgage works here in XXXX and I did a modification just in my name The program XXXX save our home in that time.I would like to know if I can have a compensantion for the damages caused unfairly on my credit report because I finished my bankruptcy in XX/XX/XXXX and I aware I have to wait 10 years to do any refinance with another bank but the XXXX XXXX marked on my credit report that I did bankruptcy in XXXX then he reported in XX/XX/XXXX marked me again said I had banckrupcity and chapter XXXX in that date that is incorrect and this is unfair because in those 10 years I have been always paid my mortgage on a due date just now I'm in the Forbence Plan, I have to start pay the house in XX/XX/XXXX. I have all papers from the Bank and from the XXXX showing to prove that I'm saying the truth. Bank XXXX and Bank XXXX worked together against us. The title is on the name of the bank XXXX and I can not make full payment before XXXX, and I can't sell the house either I'm sending all documents about the house and courts by mail. The bank XXXX stopped reporting to my credit report my payment since XX/XX/XXXX and I have all documents showing the payments until today. I don't have the Title and deed of the house. 
I tried to refinance the house with another Bank last month and I found that I can't make nothing because of the derogaty, bankruptcy and chapter 7 marks was reported on my credit report and another bank told me the title is in the name of XXXX Bank. I will send by mail all the documents tomorrow XX/XX/XXXX. I sent here just small file the rest I will send by mail because they are big file. Could you please help me! 
Thank you so much!

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 2020-07-22 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: Ocwen Financial Corporation
State: MA

Complaint narrative:
For 12 years, Bank Ocwen did not let me refinance with another banks because bank Ocwen marked my credit report 2 times in XXXX and XXXX with incorrect information and complicated my life moral and financial. 
First they made a mistake with my whife name XXXX XXXX XXXX XXXX XXXX, the bank included her name on the title and the mortgage was only in my name XXXX XXXX XXXX XXXX. We bought the house in XX/XX/XXXX and we lost the house in XX/XX/XXXX the Lawyer XXXX XXXX XXXX said for us leave the house, then we back to the house in XX/XX/XXXX because the bank Ocwen didn't take the house back, we don't know why because we don't know how the law with Mortgage works here in USA and I did a modification just in my name The program HAMP save our home in that time.I would like to know if I can have a compensantion for the damages caused unfairly on my credit report because I finished my bankruptcy in XX/XX/XXXX and I aware I have to wait 10 years to do any refinance with another bank but the Ocwen first marked on my credit report that I did bankruptcy in XXXX then he reported in XX/XX/XXXX marked me again said I had banckrupcity and chapter XXXX in that date that is incorrect and this is unfair because in those 10 years I have been always paid my mortgage on a due date just now I'm in the Forbence Plan, I have to start pay the house in XX/XX/XXXX. I have all papers from the Bank and from the Court showing to prove that I'm saying the truth. Bank Ocwen and Bank XXXX worked together against us. The title is on the name of the bank XXXX and I can not make full payment before XXXX, and I can't sell the house either I'm sending all documents about the house and courts by mail. The bank Ocwen stopped reporting to my credit report my payment since XX/XX/XXXX and I have all documents showing the payments until today. I don't have the Title and deed of the house. 
I tried to refinance the house with another Bank last month and I found that I can't make nothing because of the derogaty, bankruptcy and chapter XXXX marks was reported on my credit report and another bank told me the title is in the name of XXXX XXXX. I will send by mail all the documents tomorrow XX/XX/XXXX. I sent here just small file the rest I will send by mail because they are big file. Could you please help me! 
Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: FL

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$13000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN Card for identification purposes so the bureaus will investigate my complaint. ) This account does not belong to me. I do not now, nor have I in the past, had an account with XXXX XXXX. This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have asked Suntrust Bank to provide a Letter of Credit in the amount of {$10000.00} in favor of my homeowners association for installing a pool in my backyard. I have spoken with the bank on several occasions, most recently Friday XX/XX/2020 and submitted a written request which is attached. 
Today I am given a Verification of Deposit which is attached. No one at the bank understands what a Letter of Credit is and they can not seem to grasp something as simple as this transaction. The account that I wish to have the letter of credit attached to has in excess of {$70000.00} in it. The Bank 's actions have caused me delays in beginning this project in addition to my frustration at their cavalier attitude towards understanding basic financial terms.

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 2020-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc.
State: NC

Complaint narrative:
Payoff.com fraudulently and maliciously told me I was fully approved for a {$25000.00} loan that they advertised and offered to me. They had already verified the truthfulness and veracity of my credit report, my bank account, and my employment/income. They only illegally denied me, and in the process irreparably damaged my credit through no fault of my own, because I was shopping around for loans ( they never told me not to shop around for loan rates - even though such a request would be illegal ). Payoff.com is a crimInal racket run by scam artists on unsuspecting consumers and they need to be shut down.

Company response to consumer: Closed with explanation