vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: NJ

Complaint narrative:
On XX/XX/2020 I called the Eppicard customer service line to check my balance. My balance was significantly lower than usual. I called to speak with the fraud department and filed a claim. They told me they would stop my card & send me some forms to fill out to claim fraud. I had 10 days from my claim to send the paperwork back. I received the paperwork XX/XX/XXXX, but I could not finish filling it out until the XXXX when I received my card and was able to create an account to log in and get the other fraud charges off my statement. 

I attempted to fax the paperwork to the number provided multiple times on XX/XX/XXXX but the line was always busy and the fax would not go through. 
I tried every time I went to work until it finally went through on XX/XX/XXXX. 

I called to check the status of my case and they gave me a date of XX/XX/XXXX they would have a resolution. It is now XX/XX/XXXX and they have yet to give me an answer, they can only tell me the case is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Capital One, XXXX XXXX   XXXX XXXX XXXX, CaptialOne XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Capital One, XXXX Capital One, XXXX Capital One ( XXXX  XXXX XXXX Capital One, XXXX, XXXX Capital One ( XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX   XXXX Citi Bank, XXXX XXXX, XXXX Citi Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX 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 2020-10-09 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: Harris & Harris, Ltd.
State: IN

Complaint narrative:
I submitted a complaint it was resolved you sent the resolution XXXX removed the derogatory information but XXXX  has not. 

The debt was covered by insurance I had a secondary insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
Hello, It's currently XXXX XXXX  and I am up writing this complaint because I overwhelmed with the current situation with my mortgage company, M and T Bank. On XXXX, XXXX, I had a pipe that burst in my kitchen and caused water damage. I immediately had the pipes repaired and started the drying process. I submitted the claim to my insurance company and they released the check which arrived this week. When I contacted M and T Bank to get an address to mail the check, I was told that I have to wait for the approval process to release the check because my mortgage is delinquent. I mentioned that my mortgage is in forbearance because I lost my job due to the pandemic and that I don't believe it's considered delinquent. I was then told how the process would work and the money I have already paid to start the work, I'm welcome to send receipts and they will reimburse me. I was a single mom of XXXX daughters when I purchased my home. I supported my daughters through college and worked as a XXXX XXXX until my office closed due to XXXX. The home I purchased was almost in foreclosure and a lot of work when we moved in. I have invested more than XXXX into my home and have every intention to restore my home to the way it was. When you read about the insurance payment process online, they articles tell the homeowner to be kind, patient and polite to the lender if you want to get the funds released in a timely manner. We need our home restored and I have no intention to lose our home. I felt like the conversation was threatening and I was even told by an employee when I first called that I do not want to go down the road as if my loan was delinquent and have them micro manage the process. I have had my home for 5 years and have never defaulted on a payment. I am asking for help to get the funds released so I can complete the work and move forward with our lives. Once I go back to work, my plan is to refinance the home and the pay off the forbearance payment.. If you look at the website to submit a request for payment, the process will take months to complete and I believe I will be hararrased as we go along. I know they have an invested interest in the property and so I do. Are there any guidelines that can protect this process and ensure the work in my home will be completed efficiently? I live in California and the company in PA. They told me they have to find an adjuster to come by and review the progress. I am willing to upload pictures which should suffice or the adjuster can come upon completion, Do I have rights and if so, can I please be advised?

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 2020-10-09 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Forever 21XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
Account : SUNRISE CREDIT SERVICES # XXXX I'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt Original instrument of indebtedness

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 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
For the month of XXXX to XXXX I was notified my credit card was 30 days late and immediately contacted capital one to remedy the situation. I explained that my account was linked to auto pay from my business account and that my XXXX  was adversely impacted by Covid 19. I have been a member with capital one for nearly 10 years without a missed payment. On the phone I was informed they would extend a courtesy to me and be able to report my account as current and paid to the credit bureaus. Upon following up 3 weeks later- they informed me for reasons unknown ( Wouldnt identify any variables in their decision making process ) they had changed their mind and would no longer positively report my payment history. I find this highly unprofessional in the context of the pandemic and myself as a 10 year loyal customer and am seeking assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXXXXXX XXXX XXXXXXXX XXXX  # XXXX ; XXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts.

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 2020-10-09 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: OH

Complaint narrative:
This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts.

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 2020-10-09 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: OH

Complaint narrative:
This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this account is inaccurate and needs to be delete per the Fair Credit AcXXXX. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXX XXXX  XXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts

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 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX you threaten to sue me for Collection of {$270.00} of a Debt of a XXXX account. Under the Fair Credit Act and Fair Credit Reporting Act this is wrongfully and Deceptive. XXXX XXXX Associates you owe me not less than {$25000.00}. As asked before from you send me the chain of custody of the XXXX account, along with address and phone number of XXXX Account and the one month term contract your still reporting on my credit report Also send XXXX XXXX XXXX XXXX license number to collect a debt in Michigan. The State of Michigan shows no license for XXXX XXXX XXXX to operate in Michigan. 
XXXX XXXX XXXX XXXX your Fake XXXX Account still appears on my credit report and decreased my XXXX XXXX twice for the recent validation of your Fake XXXX account. I am sending XXXX XXXX XXXX XXXX a letter from XXXXXXXX XXXX stating that they do not own the debt, not reporting the debt and account was sold. XXXX XXXX XXXX XXXX also tell me were did you get my name and identity from to support your Fake XXXX account that damaged my credit.

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 2020-10-09 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: OH

Complaint narrative:
This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and suedXXXX XXXX XXXX XXXX XXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts

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 2020-10-09 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: OH

Complaint narrative:
This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this  account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXXXXXX XXXX XXXXXXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Curo Management LLC, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: PA

Complaint narrative:
On XXXX XXXX I discovered my PA Eppicard had been compromised. I reached out to Eppicard and its been horrible dealing with the representative at this company. Im on hold for hours and hours, hung up on and giving conflicting information. Ive submitted in all necessary documents within the requested timeframe and have not been given a provisional credit. XXXX XX/XX/2020 I call in concerning another issue and the representative mentions that there has been no decision made on the provisional credit by the investigator. I advise the representative thats not my reason for the call however since he mentioned I asked how long does the investigator have to decide on if a provisional credit will be issued. The representative explained there is no time frame. I asked to speak to a supervisor because that is not what was explained to me by a level 3 supervisor on XX/XX/2020. She explained that they had until end of business on XXXX XXXX to give a provisional credit. I need to have this resolved. I need to be given correct answers. Per Regulation E, I thought banks had 10 business days to issue a provisional credit. I asked to speak to a supervisor on XXXX XXXX and was transferred to a supervisor by the name of XXXX. Somehow while speaking to XXXX her call disconnected and even though the company has all my contact information there was no return call from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
In XXXX of 2016 I notified XXXX XXXX that I would be moving. The Manager at the time said I needed to give 60 days notice vs 30 days. I would have to pay rent for the last 30 days ( XXXX  ). I went to move the last of my personal belonging out of the apartment on XX/XX/XXXX, the locks had already been changed. I went to the Office to pay XXXX 's rent, but the Manager told me that even if I pay XXXX 's rent she was not letting me into the apartment, because I had given a 30 day notice. I argued that I was still paying XXXX 's rent so, I should be allowed access to the apartment until the end of the month. She said no. I didn't not pay XXXX 's rent and was not allowed to recover my personal belonging that were still in the apartment. XXXX XXXX also kept my deposit of {$720.00} dollars. ( not positive this was the amount of de4posit,  but I do know it was the same as the rent ) I've disputed this through the XXXX  and the reply was " Completed investigation of FCRA dispute-consumer disagreed ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have noticed this collection on my credit report on XX/XX/XXXX for {$980.00} reported to have been passed due since XXXX of XXXX. I checked with my insurance company and no such medical bill for that amount was presented on that month or previous months for this amount for any family member or myself. I have tried contacting the company but there is no answer at times set for this company as well never getting a letter of notice or proof of this debt.

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 2020-10-09 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
The company is reporting my account past due even though I have made my payments on time and I am on a hardship payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: IL

Complaint narrative:
The company is reporting my account past due even though I have made my payments on time and I am on a hardship payment plan

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 2020-10-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The company is reporting my account past due even though I have made my payments on time and I am on a hardship payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: IL

Complaint narrative:
The company is reporting my account past due even though I have made my payments on time and I am on a hardship payment plan

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 2020-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My car payment is {$480.00} payment was getting made fine until my state delayed my uc funds and work has decreased due to covid. I'm still willing to work the payment out but they will not give me a deferment or forbearance on a loan or lower payment option!!

Company response to consumer: Closed with explanation