vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2020, my credit report showed I had a late payment for my best buy account, which hurt my credit. I called customer support to dispute this error on my credit report. Customer support mentioned they would correct the reporting due to the COVID 19 pandemic. They would waive the late payment. On XX/XX/2020, the late payment remark was removed from my report and corrected, showing 100 percent on-time payments. On XX/XX/2020, my credit report showed a late payment remark on my account for BestBuy. My credit report dropped 38 points, displaying I delivered 82 percent payments on time. I called customer service to dispute the error. Customer support mentioned they would correct this error and add notes to my account to have it reversed for the second time on my credit report. On XX/XX/2020, my credit report showed the correction to my best buy account, delivering 100 percent payments on-time and a balance decrease. My credit score increased by 40 percent on XX/XX/2020. On XX/XX/2020, my credit report for the third time displayed a late payment on my best buy account and an increase in balance by {$1900.00}. My credit score dropped 84 points because of this error in reporting on XX/XX/2020. I have not purchased anything from BestBuy using my credit card during XXXX, XXXX, XXXX, or XX/XX/2020. I made a {$2000.00} payment on XX/XX/2020, which should have balanced at {$38.00}. I called customer support about this issue, but I am tired of hearing the same thing and dealing with this nonsense.

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 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
I settled with the Collection agency of Conn 's Appliances, XXXX, for {$1600.00}, I paid this amount. The collection agency is owned by Conn 's. I have the bank draft where I paid them. XXXX  keeps telling me that it's accurate when it's not. I paid. You can not get in touch with Conn 's to talk about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Lost income in XXXX due to COVID. Got forbearance approved for 3 months which ended in XXXX. Sent in loan modification application and required documentation mid-XX/XX/2020. Called multiple times and talked to several customer service reps and the information they provide is always different. The only person in charge of taking action is a person named XXXX XXXX ( ph XXXX, email : XXXX ) according to a few reps. Called XXXX several times, left voicemails, sent emails but she never responded in 3 months. Complained to other reps and they always say that they put it in there and she has to call back in 24-hrs, but she never does. They also see notes that she tried calling me and I didn't answer. But I never received her calls nor she left any voicemails. No supervisor ever called or emailed back either. I got another job but my income is not sufficient to meet the mortgage payments, and I am hoping to get the loan modified ( current rate is at 8.25 % ), but Shellpointe is being extremely uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Ccs Collec Opened XX/XX/XXXX + {$160.00} Original creditor : XXXX  Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious Ccs Collec Opened XX/XX/XXXX + {$160.00} Original creditor : XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in  the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: GA

Complaint narrative:
Sent in a request on items that are no obligation to on XX/XX/20. Recently, just received a response, over 60 days, on XX/XX/20 and Equifax has ignored the request for accounts that were in question and has deleted accounts that were never asked to investigate. 

They removed Dept XXXX and XXXX XXXX, XXXX XXXX accounts which there were no issues with. Removing these accounts, brought down my credit score even more, which was purposely done. 

There's also no sign of investigation on the accounts that were in question ( XXXX, XXXX XXXX  XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Follow-up of previous complaints as this story continues to unfold and Chrysler Capital continues to act increasingly deceptive. On Monday, I phoned and after a lengthy discussion of getting none of my actual questions answered surrounding the automatic payment enrollment missed by Chrysler Capital the agent blind transferred me into the VM of XXXX XXXX ( spelling? ) I left a message and of course have not been called back. I've tried to call back in for her, impossible. " No personal extensions. '' " no one by that name. '' etc. I am currently on hold with employee # XXXX who " can not find my account '' and needs to research it. She can't transfer me either ... 

So, not only will Chrysler Capital not provide information or any actual input into the issue at hand - how the auto-pay wasn't setup and instead just says " too bad, '' now they refuse to take calls, transfers, or speak in any capacity. You can't do this online, via their terrible customer experience web interface, you can't talk to a rep for answers, and you can't resolve anything w/o getting patronizing answers about making a payment. 

I've just been transferred again to someone and am on hold yet again. It is astounding to me this company is allowed to treat customers this way without any repercussions. I also reached to an executive on  XXXX who assured me someone would phone me - he asked for my acct # and everything. Still nothing. 

So, it's amazing they " KNOW '' the auto-pay was not an error, but don't know ANYTHING else and can't even transfer a call or make a callback. Chrysler Capital has caused this mess and their resolution process makes it obvious they don't have an answer ... just hoping the customer gives up isn't how you regulate a business in financial services. I will continue this for as long as it takes to get what is right. 

*update - still on hold and XXXX ( sp? ) is still on " the other line '' - agent wants to know how they can help. absolutely not starting over with a 5th agent on this disaster!!!! No emails to complain to, no way to do this online - they are still " researching '' with the tech team about my questions from call # 1 - bet they never call back ... conveniently however they will tell you they " show calls '' in their system. Convenient. I have one phone number and my phone is on me every second of their open hours. 

16min and counting on the phone sitting on hold ... resolution is impossible with Chrysler Capital ... 

20min in, still " on the phone '' - wants to know what I want ... stated I want a callback from my message I left on Monday. Rep # XXXX assures me they will deliver the message. 

Unlikely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTAGATION RESULTS. IT HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/20 30DAY DEMAND XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: PA

Complaint narrative:
My FICO Score dropped 40 Points for NO REASON and no explanation was given. 
I tried reaching out to Experian and they told me to Contact FICO  directly. How do you do that? I did not open any new accounts. I was on time on all of my payments. I did not add to my existing debt. No new inquiries were made. There is no reason for a drop, let alone such an enormous one. I have worked extremely hard to get my credit up to the 780s and for it to drop so fast so suddenly without cause is very alarming and upsetting. I don't know who to contact to try and obtain more information, or who I can speak with to try and find a resolution. Any help you could give would be most appreciated. Thank 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 2020-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
THESE ACCOUNT HAS YET TO BE REMOVE FROM MY CREDIT REPORT

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 2020-09-03 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: Bonneville Billing and Collections
State: UT

Complaint narrative:
Bonneville is reporting 2 erroneous debts on my credit file that are not mine. These accounts are my Ex wife 's. I have spoken with my attorney and he confirmed that i am not responsible for that debt. This needs to be removed off of my credit file immediately. I do not owe this debt, this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
TRANSACTION DATEXX/XX/XXXX DESCRIPTION XXXX XXXX, XXXXBESTBUY AMOUNT {$180.00} STATEMENT DATE XX/XX/2020 REFERENCE NUMBER XXXX TRANSACTION ID XXXX MERCHANT CATEGORY XXXX TYPE PURCHASE

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 2020-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery associates placed a negative item on my credit report with out notifying me.portfolio recovery associates violated the early warning clause of FACTA section 623 ( A ) ( 7 ) .this law requires collectors to notify me by mail before placing negative items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: EQUIFAX, INC.
State: MS

Complaint narrative:
THESE ACCOUNT HAS YET TO BE REMOVE FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: MS

Complaint narrative:
THESE ACCOUNT HAS YET TO BE REMOVE FROM MY CREDIT REPORT

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 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I requested my negative balance back via phone support. I requested ACH or wire transfer. I was told the only way ACH works is if they send am email at a random time they can not predict in the following 48 hours. I was told if i fail to authorize the ACH transfer that it would be shipped via mail. I am currently on an island that does not receive physical mail, and can not go to the mailing address because i am distancing from my family who reside there. On top of this, i informed them they are not allowed to mail a physical check. 
4 days go by, no email, but i see the refund was issued on XX/XX/25. I called to see what happened. I was informed a physical check went out, and i complained about this. I reminded them a physical check was unacceptable, and that i had not gotten an email. I escalated this matter to a supervisor, and was informed that someone from the executive office would call me in within 48 business hours. We are now 4 days past the second phone call, and the executive office has not reached out to me. 
On a side complaint, the call lines and verification processes are requesting online account passwords. This is a GIANT no-no in the computer world.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I obtained a loan for a vehicle that turned out to be a lemon in XXXX of XXXX. I voluntarily gave up the vehicle. The company sold the vehicle at auction for more than I owed. I was told the debt was settled. Then in XXXX I received a notice if wage garnishments from the loan company. I then found out they lied to the courts about serving me any documents. Again in XXXX they lied again about serving me and was granted another judgement against me. This is the worst type of fraud. Now they keep reporting this to the credit bureaus as a new debt every so often so it doesnt come off. I cant afford a lawyer and as they use the courts that are located 100s of miles from me I dont see how I can fight it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: MO

Complaint narrative:
In XX/XX/2019 I recently challenged the validity of XXXX XXXX XXXX   account thats being reported on my most recent credit report. Upon challenging this XXXX  & XXXX  deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report 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 2020-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy federal credit union, took out XXXX dollars out of my checking account after I found a discrepancy in a dispute on XX/XX/2020 I filed a dispute on some transactions and the rep on the phone I found out later on that this person disputed the same transaction that navy federal credit union already resolved it was a transaction of XXXX that was charged by XXXX  fraudulently, this morning I found that my account was charged for an amount of XXXX dollars that I didnt even know that in my account, it put my account in the negative, I had called several people about this issue and know body wanted to help, several people couldnt even keep their story straight over the phone and basically I was being accused and called a liar, I treated badly and disrespected by a supervisor and a manager name XXXX, Im filing this complaint to have this fixed or ill take my business else where. Im not going of tolerate being called a liar when I know what happen to me, my account was charged illegally because someone disputed the same charge after navy federal credit union already resolved I want to speak to executive relations of navy federal credit union, I dont appreciate and Im tired of being treated badly by this credit union I also turn this over to the better business bureau for help, I got hung up on, and told wrong information, I want this resolved and my account credit back, I  did not see any thing of XXXX dollars ever credited to my account, please resolve this matter and reach out to me I want the executive customer relations to reach out before I close my accounts with navy federal credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTAGATION RESULTS. IT HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/20 30DAY DEMAND XX/XX/20

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