vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

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 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

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 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I went under covid-19 hardship assistance program and company sent email of policy under program. The program stated that 2 months skipped would be granted and I will resume where I left off when I started hardship assistance on XX/XX/2020. I was 9 days past due when I went under program and on XX/XX/2020 I would resume at 9days past due, on XX/XX/2020 company reported on my credit report 30days past due, I made payment on XXXX XXXX which would make XX/XX/2020 payment 15days past due, I called reps at company and I was told different explanations at different times. Per policy I accepted I am not considered 30days past due I have paid loan in full and have reached out multiple times for correction, Upstart loans had reported on XX/XX/2020 30days past  due as well and had corrected it becasue I was under hardship program I was told not to worry about it happening again which it did. My desired resolution is to have negative reporting removed and an investigation into other customers that might be facing the same unethical reporting, I only accepted hardship assistance because of reassurance under there written email I received from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
In the Mail I received a notice that I had requested a loss mitigation workout system. I did not want that I want them to stop charging additional fees and cost. I have not ask or requested modification of this loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclaycredit card misled me to believe that I do not have any minimum payment to be paid. My date for minimum payment was XXXX XXXX, 2020 ; I paid extra of {$200.00} on XX/XX/2020 whereby it covered the XX/XX/2020 minimum payment of {$29.00} ; Days before my minimum payment due ( XX/XX/2020 ) my online account displays that I do not have a minimum payment due. But on XX/XX/2020, an alert trigger that I did not pay my minimum payment of {$29.00} dated XX/XX/2020. The credit card company charged me a late fee and the worst part of it all, it will show in my credit report that I have a late payment on this card. This company is a fraud. Heartless. They make their system in such a way they can get you to be charged with fees. 
Please help me make sure that the late payment dated XX/XX/2020 will not show in my credit report. I am in the process of acquiring a house. This will ruin my application definitely. I will close this account when those fees are reversed come XX/XX/2020.

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 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have repeatedly asked Experian to provide me with the specific method they used to investigate my dispute with the Bankruptcy Court in the XXXX XXXX of Florida. Instead of providing the information that I have asked for, they keep sending me a postcard with generic information about how they investigate a dispute. Most recently I have sent them a certified letter which was signed for on XX/XX/2020, which resulted with me getting an email with the same generic information that is on the postcards. I am attaching the letters I have sent and the copiers on the post cards. As you can see, I asked for very specific information and in return got a generic postcard and email. I am attaching a copy of the entry on my credit report, because the generic postcard tells me to go to my credit report to determine where the information came from. " Public records concern legal matters associated with you and are gathered from courts and government agencies. '' does not give me the name and phone number of the contributor. " US BKPT CT FL XXXX  '', implies that the government agency that Experian got the information from was the court. I have attached a letter that I received from the Court that says they do not provide any information to the credit bureau. 

The credit bureaus have been allowed to set their own rules and provide, or not provide whatever information they determine they want to provide. I fear we have created a monster that can not or will not be told what to do. They are required by law to provide specific information regarding who they talked to. Specific information that I spelled out in my request in not a preprinted postcard. By ignoring my requests Experian is giving the impression that they are hiding something. Perhaps it is as though all along, they did not verify the bankruptcy with anyone.

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 2020-09-22 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: NC

Complaint narrative:
I used to have a secured credit card account with XXXX XXXX, also known as XXXX XXXX. It was a $ XXXXlimit credit card, secured by my own {$200.00} security deposit. I had my monthly payments set up on auto-draft and had no problems with the account for a majority of the time. However recently, I had some problems with my checking account. So I contacted XXXX XXXX and made them aware of the problem, and asked for an alternative means of payment. Even though my due-date was approaching, they said that the only thing I could do was mail in a check or money order, and allow 10-15 days for processing. I told them it was fine, but to notate my account of this matter so my account would not report delinquent. Well despite my payment, they did report it late for XXXX. I have since sent XXXX XXXX full payment of the remaining balance, have requested this account closed immediately, and a full refund of my {$200.00} security deposit. It is completely unfair for XXXX XXXX to report accounts late, when no option is given for last-minute payments when issues arise.

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 2020-09-22 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: NC

Complaint narrative:
I used to have a secured credit card account with XXXX XXXX, also known as XXXX XXXX. It was a $ XXXX-limit credit card, secured by my own {$200.00} security deposit. I had my monthly payments set up on auto-draft and had no problems with the account for a majority of the time. However recently, I had some problems with my checking account. So I contacted XXXX XXXX and made them aware of the problem, and asked for an alternative means of payment. Even though my due-date was approaching, they said that the only thing I could do was mail in a check or money order, and allow 10-15 days for processing. I told them it was fine, but to notate my account of this matter so my account would not report delinquent. Well despite my payment, they did report it late for XXXX. I have since sent XXXX XXXX full payment of the remaining balance, have requested this account closed immediately, and a full refund of my {$200.00} security deposit. It is completely unfair for XXXX XXXX to report accounts late, when no option is given for last-minute payments when issues arise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: NC

Complaint narrative:
I used to have a secured credit card account with XXXX XXXX, also known as XXXX XXXX. It was a $ XXXX-limit credit card, secured by my own {$200.00} security deposit. I had my monthly payments set up on auto-draft and had no problems with the account for a majority of the time. However recently, I had some problems with my checking account. So I contacted XXXX XXXX and made them aware of the problem, and asked for an alternative means of payment. Even though my due-date was approaching, they said that the only thing I could do was mail in a check or money order, and allow 10-15 days for processing. I told them it was fine, but to notate my account of this matter so my account would not report delinquent. Well despite my payment, they did report it late for XXXX. I have since sent XXXX XXXX full payment of the remaining balance, have requested this account closed immediately, and a full refund of my {$200.00} security deposit. It is completely unfair for XXXX XXXX to report accounts late, when no option is given for last-minute payments when issues arise.

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 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My chase auto finance account ( XXXX ) is showing 30 days past due in XXXX. This account was on a deferral due to COVID with a payment not due until XX/XX/2020 as stated in the attached letter. I submitted a payment on XX/XX/2020 to satisfy that agreement. Chase had added a 30 day past due to all three credit bureaus for the month XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BOK FINANCIAL CORP
State: TN

Complaint narrative:
On XX/XX/2020 I closed on the sell of my home expecting that the mortgage was to be paid off and for my escrow funds to be returned by BOK Financial Mortgage ( BOKF ). That did not occur since 2 weeks later I discovered that my loan had been sold off to a new lender, XXXX XXXX ( XXXX ), on XX/XX/2020. This caused a lot of confusion and frustration because BOKF should have sent the funds to XXXX XXXX according to Federal Law,  which has a 60 day transition period. BOKF returned the funds to the title company, XXXX XXXX, via a mailed check. The delay in payment caused additional interest to accrue on the mortgage. 

I did notify my contact at BOKF of my intent on selling the home in early XXXX. Also, I pulled a payoff quote from BOKF on XX/XX/2020. The title company also worked with BOKF for the payoff amount even though it knew that it no longer owned the mortgage. 

Additionally, the XXXX XXXX representative told my Title Services representative that the additional interest should have come out of my escrow because I had money available. This sounds illegal, if not unethical. 



Original Lender : BOK FINANCIAL MORTGAGE XXXX XXXX XXXX XXXX, XXXX XXXX PAYOFF STATEMENT XXXX, OKLAHOMA XXXX New Lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: PA

Complaint narrative:
today on XX/XX/20 i tried contacting reliacard by US bank and spoke with XXXX he gave me a number of XXXX and that was to the us treasury dept, now this is a bank account not dept of treasury and want to close this account out all together because i thought it was a credit card and its not, nor do i need any unemployment i work for a living and i want this account closed and trying to get a hold of anyone of for customer service for reliacard is horrible it will just disconnect you if no one is available and you have to call back and put all that information again and restart waiting all over again and they refuse to the shut down this account

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 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
About a week and a half ago my bank account was hacked. Someone emptied my bank account by sending money to themselves with XXXX. I called chase and told them what happened and they refuse to refund me for the stolen funds of {$500.00}. This is unacceptable and I can't believe that they are not going to refund me for all of the money stolen from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I bought a power recliner from Ashley Furniture in XXXX, I received a manual rocker/recliner instead. There is a difference in price of {$400.00}. I have been trying to resolve this since XXXX. They promise to call with an update or say they will credit my account, which they have not done. I have tried their corporate office and to speak with their CEO, who is always not available. I believe this to be bait and switch. This company should be investigated.

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 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX IN RESPONSE TO YOUR CFPB COMPLAINT : XXXXXXXX XXXX XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX XXXX   XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: GA

Complaint narrative:
I was involved in a car accident XXXX, the other driver was at fault I went to the emergency room, and XXXX XXXX XXXX   company took the responsibility of my hospital bills because they're driver was at fault, XXXX XXXX took awhile to pay my hospital bills, so the bill has been placed into collection by CAPIO PARTNERS the account was opened by capio partners on XXXX, also once again on XXXX I disputed this account with capio partners telling them that XXXX XXXX insurance paid this bill on XXXX to XXXX ga XXXX XXXX XXXX XXXX dept, but CAPIO PARTNERS refused to take my account out of collections and they are reporting the same account twice, also reported the account before the allowed 6 month time period, and I was not provided with a dunning letter asking me if I wanted to dispute the account before putting it into collections, when I submitted my dispute and requested validation of this debt from capio partners, I request that capio partners submit a universal data form deleting this account from any credit reporting agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Frontline Asset Strategies, LLC
State: CT

Complaint narrative:
I received a threatening email from Frontline Asset Strategies. Threatening to sue me/and or send my account to someone who will if I dont pay an alleged amount owed. 
They referenced account # XXXX from an XXXX XXXX. I have been contacted by FAS previously, they have not described what the debt is for or if it mine. They are threatening to sue if I dont pay by a certain date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Shellpoint reporting 60 days late in XXXX. This was never late. 
The payment was made just was never transferred from previous mortgage company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATEXXXX IN RESPONSE TO YOUR CFPB COMPLAINT : XXXXPrint ADVANCED COLLECTION XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ADVANCED COLLECTION XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation