vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-23 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: DE

Complaint narrative:
This complaint is about a company called XXXX XXXX I begin a loan with them back in XX/XX/XXXX and paid faithfully up until present time. However on XX/XX/XXXX I was in a car accident which was a total loss. I called the XXXX XXXX  people and asked if I could Not pay the XX/XX/XXXX payment since they would be receiving a insurance payout they said that was fine. However now they claim that they did not say that. On XX/XX/XXXX we entered into an agreement for the remaining balance of the vehicle which is about {$6300.00} we agreed that I would pay {$300.00} on the first of each month going forward until the loan was paid off. they also said that if anytime during this time if I came up with {$2500.00} they would except that as a one time payment and clear the loan. The first {$300.00} payment was made on XX/XX/XXXX I have the canceled check the second {$300.00} payment was a little late but the check was cashed on the XXXX XXXX. It was around this time that I noticed they had reported me XXXX and 60 days late on my credit report for XXXX and XXXX. I contacted them and asked why they did this and they told me that I had missed a payment in XXXX but I told them that they told me I could skip that payment since they were getting insurance payout and that they had agreed to that, they informed me at this time that they have no record of that. So I got a written letter from them stating that my payment was {$300.00} and would be {$300.00} going forward however they would not agree to backdate it to the original date we reached the agreement of XX/XX/XXXX they would only date it for XX/XX/XXXX Just another example of them being shady. When I asked them to please fix my credit reporting they said to me thats not their job. I submitted disputes to all three credit agencies but nothing has ever came of it. XXXX XXXX just tells themThats the information they have and my dispute is dead. They are the worst professional company I have ever dealt with. They act as if I made all this up after not having one missed payment in 2 and a half years. I also want to point out they where illegally charging me 23 % interest as a resident of Delaware when you can only charge someone 5 % above prime for used car loans in Delaware. I also want to point out that they have a website where you can look at your account information. I went on there and it says A bunch of inaccuracies. When I asked them about it they told me dont worry the website is always wrong. They still have the wrong payment amount on their as well.

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 2020-01-23 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax has been report to my credit accounts that my credit score is XXXX in XXXX of 2019 - My credit score has NOT never been that. This false information caused creditor to close and/or reduced my credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: MA

Complaint narrative:
My Loan servicer XXXX failed to acknowledge my documented financial hardship due to XXXX as I was unable to my my loans and was looking to reasonably defer them. Regardless, I had also moved and was trying to update my contact information to get status of my loans by mail, however upon attempt to contact by phone, nobody was able to review and change my loan information. My email address had changed because I no longer had access to my school email. As I was experiencing my hardship due to XXXX, the loans apparently defaulted and I had no way to access nor was I in any condition to deal with it due to XXXX. Now that they have defaulted, not only is the lender reflecting late payments but the reflection on my credit is a double reflection of default on both servicers, both the original, and the lender, which there should only be one or the other.

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 2020-01-23 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: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately XXXX see enclosed ). This violates the FCRA.

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 2020-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eagle Recovery Associates, Inc.
State: WI

Complaint narrative:
Eagle Recovery Services continues to contact me via phone. I have sent a cease and desist letter if there is an attempt to collect a debt to please forward proof VIA LETTER to a specific address. I have not received any letter. Now I continue to receive phone calls from this establishment when I asked for all phone contact to be ceased. 

I have received a phone call today XX/XX/20 at XXXX pm with a voicemail that is vague with no name except the business other than to collect a debt that does not exist. Per my cease and desist letter I will continue to file a complaint every phone call received.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-23 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-23 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: FL

Complaint narrative:
I am requesting again to investigate accounts which does not belong to me.If you do not have any proofs you have to remove as soon as possible. If you are not going to take actions I will sue 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 2020-01-23 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: FL

Complaint narrative:
I am requesting again to investigate accounts which does not belong to me.If you do not have any proofs you have to remove as soon as possible. If you are not going to take actions I will sue 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 non-monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I have requested mortgage assistance with my servicer Select Port Folio, my request is being processed. Received letter from foreclosure attorney dated XXXX XXXX XXXX XXXX stating a property foreclosure sale is set for XXXX. State of Tennessee requires the homeowner to receive notice of foreclosure sale 30 days prior to the sale date per Tennessee Code Annotated. Didn't receive letter until XXXX that is not the required 30 day notice. Did not received letter stating the mortgage debt is being accelerated from my mortgage company or the amount of the mortgage debt. from mortgage company or foreclosure attorney. Select Port Folio sent me correspondence stating a property foreclosure sale WOULD NOT be set for my home while they were processing my request for mortgage modification. 

Please Help See Attachments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express ( Platinum Card ) claims to offer " Car Rental Loss and Damage Insurance is  underwritten by AMEX XXXX XXXX ''. 

According to Amex : " This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have ... For full Terms and Conditions, see americanexpress.com/CRLDIterms. '' https : //www.americanexpress.com/us/credit-cards/features-benefits/platinum/terms.html Note that the link on the Amex 's own page to the " full Terms and Conditions '' leads nowhere and therefore important features of the insurance are not available to consumers. 

I rented a car using this card, had minor damage, submitted a claim and as a New York insured driver they sent me the following statement " ... New York Auto Policies should provide coverage under the Auto Liability section of your policy and no deductible would apply ... Given this, we are closing our file. " Very importantly, Amex sent me this notice before any contact that I or they had with my insurance company and without reviewing my insurance policy in any way. According to their own notice to me, the only basis of their decision is that I am a New York insured driver. This means that their advertising is false. They do not provide " secondary '' coverage to New York drivers. They provide no coverage at all to New York drivers. 

Note that on their website they specifically state that " This benefit is not available to residents of XXXX XXXX, XXXX XXXX of XXXX, XXXX XXXX, XXXX and the US Minor Outlying Islands. '' But they fail to state that it is also not available in any form whatsoever to insured drivers in New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
tried to contact this company and no help this bill is {$2200.00}. and the company is XXXX on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX  XXXX was contacted by me and the representative said she would remove this collection from my credit report and its still there. They was told of my identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: DC

Complaint narrative:
The Healthcare Revenue Recovery Group ( HRRG, aka XXXX XXXX ) has been billing me for a payment that is not my responsibility since XX/XX/XXXX. I suffered a medical emergency in Michigan and was taken to the Emergency Department at XXXX Hospital in XXXX, MI on XX/XX/XXXX. At this time, I was fully covered for healthcare under XXXX serving as my healthcare provider. I learned that XXXX had been repeatedly denying my claim for {$1100.00} and HRRG has since been harrassing me with phone calls ( which I continued to receive while I was out of the country for a XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX ). I repeatedly paid HRRG/ XXXX XXXX several payments of {$96.00} per month between XX/XX/XXXX-XX/XX/XXXX and informed them that I had an insurance plan with XXXX . They confirmed this information, billed XXXX and received payment from XXXX yet are denying that they did so and are continuing to bill me in the amount of {$850.00}.

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 2020-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
For the past couple of months there have been strange people coming to my parents house looking for me at an address that I no longer live at and im not sure of the reason completely. I honestly dont remember opening an account in the past with this debt collector. They are saying that me and my fiance owe alot of money that im not sure if we owe or not. They never contacted me directly about this issue in the past until the last few months. I dont understand how you can just harrass someones parents on a continuous basis. I am not in the position to pay that amount of money and think its unfair for them to demand that I pay that amount at such a short period of time if it is owed. The name of the debt collector is Synchrony Bank. They are stating that i owe them 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 2020-01-23 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: MD

Complaint narrative:
I have sent dispute letters several times and made a complaint with the CFPB about a chapter XXXX on my report. XXXX has removed my bankruptcy from my file Experian stated they verified bankruptcy thru XXXX. Please remove the bankruptcy immediately I have included the letter from 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 2020-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
XX/XX/2020 at flagstar bank in XXXX mi try to open account for XXXX $ they say we can not open account no reason my score is good no problem at all i want to open my account for normal pay online so why im usa citizen i have right to open account discrimantions againsit me based on gender and color

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 2020-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
I was emailed on XX/XX/XXXX by a ( XXXX ) who claimed to be interested in buying a painting from me ( I am a painter ). I told her the price ( {$1100.00} ) but she sent me an overpayment of ( {$4100.00} ) in the form of a check with the excess {$3000.00} to pay her 'shipper. ' I deposited the check, which cleared after one business day. I then paid her 'shipper ' the ( {$3000.00} ) using Zelle XXXX After paying her shipper, the check which has already cleared was then withdrawn from my account ( XX/XX/XXXX ). I lost all of my money by this scammer. A total of a {$3000.00} loss. 

XXXX can not refund the Zelle transactions as I authorized them myself. 

Zelle can not assist me because I use their service through the chase mobile app. 
XXXX does not insure the deposited check because it was a credit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I been havinghard time bieng unemployed after falling down in XXXX XXXX, Utah XXXX  XXXX  on XXXX XXXX.And Utah law says i must work for XXXX  to get pay check.But as doctor state 's i not supposed to reach aand not pick up over 10lbs.XXXX   employees ast managers always making me do more then i waas capable with my XXXX XXXX in XXXX XXXX XXXX XXXX XXXX.But i quit XXXX XXXX trying to get money from workmen comp.I was refused by Utah State says i must work for XXXX  an do what ever kinda work i need too.Buy i can refused which i did just quit.My last was on XXXX XXXX and it was Weds.XXXX XXXX was my Day-Off and i was sore i just went in got hold of Ast Manaager XXXX i told her i quit it was XXXX XXXX Friday. But anyways Capitialone i i got credit card with them an i always made payments on time, from bank transfer to make payment was Due on XXXX of every MonthXXXX XXXX i didnot have payment.So Capitalone didnot even give me achance to make payment on the XXXX due date.Capitalone Charge me {$25.00} late fee of XXXX XXXX plus interest fee's.So i was going to pay on XXXX XXXX and Capitalone wants me to pay {$67.00} for late fees and interest fees.I didnot even get Grace period .Same day my pament was due! I got hit with {$25.00} late fee to mess up my Credit Report again through XXXX  my Score went down some more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-23 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: AZ

Complaint narrative:
Submitted a dispute about an account I have with XXXX XXXX Bank credit card concerning an outstanding balance that was paid in full back in XXXX but still showing a balance on Experian credit report. I submitted a dispute and now Experian claims that the credit reporter XXXX XXXX XXXX XXXX certified the balance as true, however, it is most certainly not correct as I just looked at my account online and shows a - {$38.00} balance which means they owe me money not me owing them. I feel that Experian was derelict in its duty to properly investigate the matter an a mere " certification '' from the creditor isn't sufficient to protect my rights under the FCRA. Credit reporting agencies should be required to diligently conduct a full investigation and not just take the creditor 's word for 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 non-monetary relief
Consumer complaint received 2020-01-23 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: GA

Complaint narrative:
I tried to have fraudulent data removed from my credit report and customer message service wouldnt help me and Im not able to submit a dispute through Transunions website and Im not able to view my report, updates, or prior disputed information on my Transunion account. The only way I know anything about my Transunion credit file is through the email I received from other credit monitoring services.

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 2020-01-23 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a collection to my credit report that is in violation of my 30 Day Right to Dispute, I never received any kind of notice for this collection and I settled it as soon as I found out about it. This should not be on my credit report and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a collection to my credit report that is in violation of my 30 Day Right to Dispute, I never received any kind of notice for this collection and I settled it as soon as I found out about it. This should not be on my credit report and needs to be removed immediately.

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 2020-01-23 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: UT

Complaint narrative:
XXXX  XXXX  XXXX  # XXXX is reporting a collection to my credit report that is in violation of my 30 Day Right to Dispute, I never received any kind of notice for this collection and I settled it as soon as I found out about it. This should not be on my credit report and needs to be removed immediately.

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