vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I have two complaints for PennyMac, both of which I have contacted them on. The first complaint has to do with my first mortgage that was obtained with PennyMac in 2015. I recently paid off the mortage and the account was automatically closed which has caused my credit score to drop by more than 80 points. The payment of my mortgage  balance should not impact my credit. I have filed a complaint with teh credit companies and have Called Pennymac and asked them why did they report the account as closed. I have obtained other mortgages with other companies and while they are paid off the account remains open with a XXXX balance. 

My second complaint is around another loan that I recently obtained from Penny Mac on XX/XX/XXXX, PennyMac transposed my house address ( instead of writing XXXX, they write XXXX ). I have called the company three times to report this and the issue has not been resolved. I am being threatened by the mortgage company to take insurance on a property that I do not love in. The correct property address has insurance and evidence of the insurance was provided at closing. Since they fail to update the address in their system, I am being told that the mortgage company will take insurance on the incorrect property address on my behalf and I will have to pay for it. I am not sure why I would have to pay for insurance on a property that is not mine. I need help resolving this issue. I have tried my best to work with the company and I am not getting anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I just closed my account with Cabela's/Capital One. When I made my final balance payment on XX/XX/XXXX. Cap One did not disclose to me that the " Balance Remaining '' was not the payoff on the credit card. I made a payment of {$1400.00} on XX/XX/XXXX. This was the remaining balance. To my surprise today XX/XX/XXXX ( 14 days later ) I receive an email from Cap One that I now have a balance of {$10.00} of interest. I reached out to Capital One and they informed me that I did not request a payoff which would have reflected additional interest that would have needed to be paid. I have never paid off a credit card in full with any other creditor that has ever pulled this deceptive tactic. When I payoff my remaining balance on every other credit card there has never been a " hidden '' interest charge. After I paid the remaining balance I closed the Cap One Account. I will never do business with a company that is deceptive in their processes to make more money off of hard working consumers. When you make a " remaining balance '' payment on a credit card the company should inform you of a remaining balance and a " paid in full '' balance. It's not about the {$10.00}. Its about the deceptive act on Cap One 's part. I will never work with Cap One again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
On XX/XX/20 we received a letter from our escrow company stating we had a shortage. Our payment would go up {$100.00} per month. We had just closed on a refinance. I called my mortgage company representative. He was not sure and questioned if we received notice of tax increases. On XX/XX/XXXX I had a hearing to lower property tax and it was. I looked into any increases and there where none. We call mortgage escrow and they stated to my wife that our taxes increased which we know not to be true. Our mortgage representative looked into also and stated to me escrow was expecting tax increases do the county tax cycle. With no cause or number they increase our escrow input to cover a shortage that does not exist yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2020-09-15 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-15 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$1500.00} written off.

Account TypeAuto Loan Balance- Date OpenedXXXX XXXX XXXX XXXX  XXXX  XXXX potentially negative icon Potentially Negative StatusNO STATUS. 
Account TypeNA Balance- Date OpenedXXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date OpenedXXXX Dispute Namesshow tooltip buttonSelect as many as apply 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, LA XXXX SINGLE FAMILY XXXX XXXX A XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY

Complaint narrative:
The client XXXX XXXX XXXX and debt collector Wakefield & Associates reported medical debt to all three bureaus. It was an emergency room visit out of state that shouldve been covered by NY XXXX. I never received a bill for this. My attempt to dispute failed. I contacted Wakefield and told the representative I had insurance on the date of service - XX/XX/17 and he was concerned about collecting the debt. We settled for {$850.00} out of the full balance because we thought this was our only option to get it off my report. They first reported that we still owed {$490.00} which brought my score down but it was eventually deleted. I even emailed this company with no reply. I recently found that NY XXXX did pay them {$66.00} and according to the XXXX   representive it was very illegal for them to charge me when I had XXXX. It shouldnt of went on my credit report to begin with. Now we have to seek legal action. Ill attach the Explanation of Benefits from XXXX and HIPAA letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts do not belong to me. Please remove

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
This is my 2nd complaint to the CFPB in this regard ( XXXX ). My previous one was closed without proper resolution. I have issues getting a companion certificate that was issue earlier this year. I have now filed 3 research tickets with your phone support team with no resolution. ( Internal case number XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX XXXX. According to the rep, no one has responded to the prior 2 research tickets The below is an excerpt from the letter sent to me from my last CFPB ticket. I was told a copy of my certificate could be printed from my online account. I signed on and was not able to find it. I called the number in the letter and they were not able to find it as well. They apparently were able to sign into my account ( emulating my access ) and was not able to find it either. I called on XX/XX/XXXX at XXXX CST. I specifically spent extra on the card to meet the threshold. I now have a 3rd research ticket. Can someone please help me? 

Barclays letter to me dated XX/XX/XXXX : Dear XXXX XXXX : I am in receipt of correspondence forwarded to Barclays Bank Delaware ( Barclays ) from the Consumer Financial Protection Bureau. I understand your concerns about the companion certificate, and will detail the results of my investigation.In review of your correspondence, you stated that you previously requested a copy of the companion certificate. Regrettably, I am unable to substantiate your claim. According to our records, we have not received any requests from you regarding a replacement companion certificate. As a goodwill gesture, the companion certificate expiration date has been extended to XX/XX/XXXX. You may confirm this action by visiting our customer website at XXXX. Here, you will also be able to print a copy of the companion certificatefor your records. I regret any inconvenience this matter has caused you. If you have any additional questions that we can assist you with, please contact our Customer Care team, where a representative will be able to assist you 24 hours a day, 7 days a week at XXXX, XXXX XXXXOffice of the PresidentCC : Consumer Financial Protection Bureau

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 2020-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was a victim of a paypal chargeback scam, where the client paid money for services, then did a chargeback, and Paypal didn't investigate or advocate for me nor did they provide contact info of the client 's bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My account has been froze by Bank of America I have money in account they will not give me Im about to be evicted and disconnected power notice I have {$1700.00} in this account that they will not release Im at my breaking point I have a three year old and I dont wan na be homeless

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 2020-09-15 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: CA

Complaint narrative:
I have been disputing XXXX XXXX for a cosign on my ex husband 's vehicle from 4 plus years ago and now they have updated my payments on a closed account that has been resolved they got the car back voluntary return and they sold the vehicle at auction in XX/XX/XXXX for XXXX XXXX. They say I owe XXXX which is not true now then doing that XX/XX/XXXX lowered my score 97 points .. I have disputed this numerous times and it was supposed to be taken care of along time ago

Company response to consumer: Closed with explanation