vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My credit report shows ONE 30 day past due amount of {$79.00}. 

On XX/XX/XXXX I made a purchase at Nordstrom Rack in XXXX, FL. I requested, at checkout, to have my account set to auto pay and that the email address on file needed to be changed from XXXX to XXXX. 

The checkout agent documented my account number and had me write my name and the correct email address on a piece of paper. 

The change of email address and auto pay never applied to the account as requested so the account was not paid automatically and the statements and alerts did not go to the correct email address. 

Once I uncovered that the changes were not made as requested I immediately brought the account up to date on XX/XX/XXXX from an initial payment due date of XX/XX/XXXX and paid the account in full on XX/XX/XXXX. ( 37 days passed the due date ) I called Nordstrom card services and they said they sent a letter to my house. I explained to them that I have been in a hotel and not been home since XX/XX/XXXX, due to travel restrictions and my need to work in essential industry. I asked them why they didn't call, and they said that was not their responsibility. I asked them why the email address wasn't changed and they said the store can only change my rewards email address and not my statement email address. ( that was not explained to me in store ). 
They called me back a couple days later and said that this is not their fault and would not update the credit bureaus. 

I am distraught that they are not making considerations with the current pandemic going on. The CARES ACT allows for people to miss payments for inability to pay due to covid-19. I can pay and have since payed the account in full, I just didn't receive my mail because I'm not home due to covid-19 and am living in a hotel since XX/XX/XXXX. I have perfect credit and this is now the only late payment on my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report shows ONE 30 day past due amount of {$79.00}. 

On XX/XX/XXXX I made a purchase at XXXX XXXX in XXXX, FL. I requested, at checkout, to have my account set to auto pay and that the email address on file needed to be changed from XXXX to XXXX. 

The checkout agent documented my account number and had me write my name and the correct email address on a piece of paper. 

The change of email address and auto pay never applied to the account as requested so the account was not paid automatically and the statements and alerts did not go to the correct email address. 

Once I uncovered that the changes were not made as requested I immediately brought the account up to date on XX/XX/XXXX from an initial payment due date of XX/XX/XXXX and paid the account in full on XX/XX/XXXX. ( 37 days passed the due date ) I called XXXX card services and they said they sent a letter to my house. I explained to them that I have been in a hotel and not been home since XX/XX/XXXX, due to travel restrictions and my need to work in essential industry. I asked them why they didn't call, and they said that was not their responsibility. I asked them why the email address wasn't changed and they said the store can only change my rewards email address and not my statement email address. ( that was not explained to me in store ). 
They called me back a couple days later and said that this is not their fault and would not update the credit bureaus. 

I am distraught that they are not making considerations with the current pandemic going on. The CARES ACT allows for people to miss payments for inability to pay due to covid-19. I can pay and have since payed the account in full, I just didn't receive my mail because I'm not home due to covid-19 and am living in a hotel since XX/XX/XXXX. I have perfect credit and this is now the only late payment on my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
After hurricane Irma in XXXX capital one deferred are payments for 90 days. they assured us that the account would not be late and we would not be reported to the credit bureau. They did not charge us late fees but it is showing late on my credit report in XXXX of XXXX and also XXXX and XXXX of XXXX. 

I was told by capital one to submit my request in writing which I did but they did not update my credit report with any of the bureau 's. 

I also filed disputes and spoke with XXXX and XXXX and was told that it would be corrected because we were under a state of emergency. I have been trying now for almost two years and they still will not correct my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18 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: GA

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report file. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavi

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Ive owned 2 cards with Capitalone since 2017. Since opening the card, I only received one credit limit increase on both cards. Ive successfully maintained the same payment history, and continued to substantially pay more than the minimum payment every month since opening both cards. Ive applied numerous times for credit limit increases and was constantly denied. The denial letter is very vague. When I called customer service, no one can provide me with an explanation nor do they understand why I am being denied. I am beginning to believe that I am being discriminated against. These practices are destructive, morally repugnant and against the law. These practices are prohibiting me from enjoying the benefits of access to credit. I was under the impression that Capitalone must ensure that their lending practices are consistent with the safe and sound operating policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
I was told during the loan application process that my loan closing costs would be approxamently {$900.00}. I was asked to pay and did pay {$500.00}. For an appraisal. The phone conversations were with XXXX XXXX of Quicken Loans LLC. His E-mail is XXXX. His phone number is XXXX XXXX XXXX. After the appraisal was done I received a loan estimate in the mail ( on or about XXXX ). The loan estimate showed loan closing costs of {$8200.00}. I called XXXX XXXX and told him the loan closing costs were excessive and that I did not want to proceed with the loan. I have asked for my appraisal fee of {$500.00}. To be returned to me since I would not have agreed to an appraisal if I had been told of there loan closing costs. XXXX XXXX in an e-mail has indicated that they would not do that. 

I have read the CFPB rules and they state that the only fee a lender can ask you to pay prior to providing a loan estimate is a fee for obtaining your credit report. Credit report fees are typically less than {$30.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
I am currently being sued by Kramer and Frank PC out of XXXX, MO for a defaulted student loan. I was never sent a notification of debt. The first time I am hearing about this debt is with a lawsuit. I left a message for the attorneys to call me and I have not received a call back. This is a loan I paid on for over 8 years and when I requested verification of debt with the original servicer, they refused. I then stopped paying the loan. Kramer and frank are suing me for more than the original loan amount and have not subtracted the approximate {$20000.00} dollars I already paid on this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I've recieved a letter on a debt that was deleted from my credit file awhile ago after disputing with the credit bureaus. Then the account was sold to a collection agency XXXX XXXX XXXX XXXX back in XXXX. I disputed and was removed from their systems and given back to XXXX. I filed a complaint back in XXXX. Now this new company is doing the same thing. They are trying to re-age the account. This dates back to XXXX. Now I've submitted proof to show it was deleted from the credit bureaus. When I disputed with XXXX XXXX. So I will do the same with this company. Also since they have not provided me with anything other than a letter to collect I want the following mailed to me in it's entirety : Debt proof : Assignment clause Notarized letter of debt purchase Signed contract from original creditor A copy of their license to collect in the state of NJ

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Check City Partnership, LLC
State: NV

Complaint narrative:
Check city called from a restricted number, dod not leave a message, and immediately called a family member asking for my contact information. I have already been in contact with them weekly, they have my number and address and have spoken to me recently. Why be deceptive, calling from a blocked number, then to call a family member when they have my correct and current info?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
information repotting on my Equifax 0n XX/XX/20 from XXXX says I have 39 serious delinquency. this is absolutely incorrect. I have never been delinquent on my accounts. and if it shows delinquent it was cuse of Identity thef not any doing by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: KS

Complaint narrative:
XXXX  XXXX is reporting a closed Goldman Sachs account with a XXXX dollar balance ( {$2.00} ). This information is incorrect because the balance is XXXX  and the account is closed. See attached screenshot for more information. I have verified with Goldman Sachs that the balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
TransUnion XXXX is reporting a closed XXXX XXXX account with a XXXX dollar balance ( {$2.00} ). This information is incorrect because the balance is XXXX  and the account is closed. See attached screenshot for more information. I have verified with XXXX XXXX that the balance is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
information repotting on my XXXX  0n XX/XX/20 from navy says I have 39 serious delinquency. this is absolutely incorrect. I have never been delinquent on my accounts. and if it shows delinquent it was cuse of Identity thef not any doing by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: DC

Complaint narrative:
I paid my mortgage on XX/XX/20, it also auto drafted from XX/XX/20. So I was charged twice. I called my mortgage company to inform them of the error, they confirmed that two payments were made both my manual and the auto draft. The representative told me not to worry and that they will do further investigation and someone will contact me back. I did not receive a return call or any type of notice until I received my mortgage bill stating that I owed for both XXXX and XXXX. Instead of refunding the auto drafted payment in XXXX, they refunded them both, and failed to provide notice any action was taken. 
They reported to the credit bureaus that I missed the payment although I did not miss that payment. I called them again to inform them that I was not 30 days late and explained the situation to the representative. They saw the error in there system where I was charged twice and that they refunded both payments instead of one, and they agreed to wave the late fee. Once they waved the late fee, I paid the amount due in full. I was informed that I had to send an email to dispute the credit reporting which I sent an email on XX/XX/XXXX explaining the situation. I did not receive anything until XX/XX/XXXX, a generic letter stating that they are right and their decision to report stands. 

If they had only refunded one payment this would not have happened or if the would have informed me what was being done in regards to the payment, this could have been avoided. This is unfair, and a violation of the FCRA. This is an error on their end. I should not be punished, and my credit should not have to suffer for their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/2020, my balance on cashapp was {$45.00}. On XX/XX/2020 my balance is -XXXX, There is no record of any transactions. So {$45.00} just went missing and there is no one to speak to or even a way to communicate this to them. It is my honest belief that CashApp stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Reliant Capital Solutions, LLC
State: PA

Complaint narrative:
Thank you for addressing my concerns. 
XXXX  XXXX College college continues to use aggressive along with scare tactics to collect a debt. The Representative refuses to disclose name and location. As the conversation continues, the company uses harsh tones, wants payments up-front, and continues to compromise my credit score along with creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
This information that is listed on my chexsystem report and reported from XXXX XXXX is inaccurate and fraudulent. My information was exposed in the XXXX data breach twice, dark web and also in the fema data breach.Supported documents of my information being compromised is attached in this dispute below. My email address was hacked, social security, current and prior addresses, banking information, employer information, passwords and etc. My drivers license was also replaced/ reissued ( states at the bottom ) due to being loss and identity theft. My name was also used and spelled in different ways to obtain bank accounts online and other goods and is documented on file with the credit bureaus. A identity theft report was was submitted when this information was observed by the me the consumer. Disputes were submitted to the consumer bureaus and to chex system and related information was deleted from the credit bureaus from investigation. Monthly security alerts were also placed on all credit files and a freeze is currently on my chexsystem report.I am currently in the pending status of a settlement with XXXX  in reference of both data breaches. My information was compromised during a FEMA breach as well. I am requesting for the deletion immediately of all derogatory information and accounts that are associated with XXXX XXXX, on my chexsystem report. This is and was not done by my consent nor did I authorize it this fraudulent activity. The derogatory remarks and information has prevented me from opening any account in Florida due to this matter with Chex System. I have received numerous of harassing calls from XXXX XXXX stating I will be prosecuted and also a collection agency attempting contact via phone to collect funds not owed to them. I am in process of legal action. 1 ) Please provide physical in person debit/ credit card obtainment and proof of physical in person signatures. My information was compromised from a unknown individual and obtained from a family members mailbox.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The expiration date on my credit card from Capital One was XX/XX/2020 and I had not received a replacement card, so I called them XX/XX/2020 and the representative advised a new card would be sent out. I waited a few weeks and followed up since nothing was received. The person I talked to again apologized and said they would take care of everything and get a new card to me. Still waiting and nothing came in the mail. Early XX/XX/2020 I received an email from a credit monitoring service indicating an account had closed. I investigated and found it was my Capital One credit card. Additionally, my credit score dropped 40+ points as a result of that account showing closed! I called Capital One on XX/XX/2020 and talked to XXXX who identified herself as an Account Supervisor. XXXX advised the account was closed due XX/XX/XXXX due to no-activity. I explained a replacement card was to have been issued two months earlier and I had home improvement projects to purchase, but had put them off since did not want to use the credit card that had an expired date and was waiting for the replacement card to make the purchases. XXXX apologized saying there was nothing she could do. XXXX acknowledged the XX/XX/XXXX conversation, but now that the credit card was closed, she could not re-open it. I feel the correct solution is for Capital One to honor what they were supposed to have done and issue me a replacement credit card. Additionally, the date open of this card should match the original date open of the account that was closed in error. The trade-line of the closed account should be removed from reporting so it does not adversely impact my credit score.

Company response to consumer: Closed with non-monetary relief