vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-29 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: MD

Complaint narrative:
Continuing to respond updated on an account that could NOT be verified and. 

FTC reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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:
Continuing to respond updated on an account that could NOT be verified and. 

FTC reference # : 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 2020-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I have a negative account reporting on my credit profiles by two separate collectors. A clear violation of the FCRA. XXXX XXXX has reported the debt then sold the debt to NCB Management. And they are both now reporting the debt. Which is violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These lenders have accessed your credit file : TRANSUNION XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX These lenders have accessed your credit file : XXXX XXXX  XXXXXXXX XXXX  Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XXXXXX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/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 2020-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
this is about a paypal card by synchrony bank. i overpaid the account in XXXX and contacted them to get a refund, they never sent it. i called to close the account and requested a refund, again they never sent it. i have called no less than 8 times and spoken to " supervisors '' all promise to take care of this but they never do. the amount is over {$4600.00} so its not a minor issue. the last call was last week when i was again promised my refund would be sent out in 3 days.

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 2020-03-29 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: FL

Complaint narrative:
I have filed a dispuTe in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: IL

Complaint narrative:
I called Capital One to ask them what do they do to help people in the Covid 19 crisis which they state on their website and they informed me that they are postponing payments a month and there will not be any fees or interest charges if I choose to request that. I did and my date of next payment was supposed to be XX/XX/XXXX. The rep cleared my autopay and said this was the only way to be able to request that one month grace period they offered. I logged in to my account and saw I was charged a fee for not paying on time. And this was when they told me they are taking care of this. So much for helping people during this crisis- they are in fact shamelessly charging them more. I knew when someone says they are doing something it`s not to be trusted. Well, the one thign he did though was to cancel my autopay, but how come he did not follow through and do the whole thing he said he will. I would not have put myself in a position to owe anymore to them if I knew he will trick me into this. I request this fee to be reimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied online for a credit card with Capital One last XX/XX/XXXX and they denied the application but said they would send me a letter detailing the reasons why in a letter that I would receive within 7 to 10 days. I got the letter dated XX/XX/2019 and it said that there was incomplete information in the XXXX credit report. I looked up the XXXX   credit report online and noticed it has some erroneous information about some old accounts. I contacted XXXX and they corrected that information in less than a week. I then wrote back to Capital One to address on the denial letter dated XX/XX/2019 but I never heard anything further from them. I will attach the denial letter to this complaint. 

I had thought nothing more of this until today. Today I applied again for a Capital One credit card and was refused online and they told me that I would be getting a letter in 7 to 10 days telling me why my application was refused. I said to myself " I have been down this road before '' so I called Capital One directly. The person I got on the phone said that the application department at Capital One was closed now. I told her that I would be agreeable to calling back later but then she added that the application department was closed until further notice. I asked her how it was I was going to know when I should call back and she said that I should just try calling in every so many days to see if they are open yet. I hold her blameless. Nothing on the Capital One web site would give you any idea that the Capital One credit card application department is closed until further notice. So I have no reason to believe the resolution to this denial of the credit card application will be any different than the one I made in XX/XX/2019. 

It seems to me that Capital One is denying credit card applications for reasons that they are not willing disclose to the person being denied. I just want a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I can not get Merrill/Bank of America to change my address on my account. In XXXX I discussed this with them using online chat. Subsequently, I mailed a request with supporting documentation to the address I was provided in the chat session. They failed to respond and I received account information including tax information late because it was forwarded from our previous address. I followed up with another written request ( letter ) in XXXX requesting a response confirming the change of address. At this point, no response has been forthcoming and I need assistance getting this promptly and properly resolved.

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 2020-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Date XX/XX/20 {$190.00} XXXX XXXX XXXX XXXX XXXX CA Chase credit card service decided that the charge is valid. But I disagree with their decision because I have never authorized the amount charged. I provided that recipt of the invoice that it says amount is {$0.00} and XXXX from XXXX XXXX promised to give me a refund since they did not have parts to fix but chase thought the charge is still valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Alorica Inc.
State: CA

Complaint narrative:
I called them several times and was unsuccessful with anyone answering the phone and their voice mail is full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: CT

Complaint narrative:
I submitted a dispute for a XXXX account on my report. I called XXXX and they had no record but it is listed as a residential account in Delaware opened in 2017. I have never resided in Delaware nor opened an account to XXXX at that time. XXXX could not find the account yet the dispute came back that it is my account. XXXX could not give me any information

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 2020-03-29 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: PA

Complaint narrative:
XXXX XXXX XXXX {$0.00} XXXX XXXX {$280.00} XXXX {$0.00} To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. 

There are no contracts, no valid claim ... account was settled original with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: FL

Complaint narrative:
I have filed a dispuTe in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.

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 2020-03-29 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: FL

Complaint narrative:
I have filed a dispuTe in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.

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 2020-03-29 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: AR

Complaint narrative:
PLEASE RE-INSERT MY TWO CREDIT Cards ending in XXXX and XXXX back into my credit files at XXXX, XXXX, EQUIFAX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: AR

Complaint narrative:
PLEASE RE-INSERT MY TWO CREDIT Cards ending in XXXX and XXXX back into my credit files at EPERIAN, XXXX XXXX AND 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 2020-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These lenders have accessed your credit file : XXXX  XXXX/XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX These lenders have accessed your credit file : EXPERIAN EXPERIAN BUSINESS CRED Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN BUSINESS CRED Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 non-monetary relief
Consumer complaint received 2020-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: AAA Auto Title Loans, LLC
State: NV

Complaint narrative:
The send me a threatening letter about my loan in default when it is not! 
They say it's from 4 months ago but i gaff paid it? 
AlsoI 'm laid off per the governor I'm a XXXX in a XXXX and they say people are still working! Cleaning crews i guess, they want paperwork that doesn't exist to stop making my valve negative. 
Basically telling me to bad nothing i can do and they'll just keep hitting my negative account costing me a fortune! Help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: CA

Complaint narrative:
I have been disputing 7 closed accounts with XXXX with no results of resolutions. Specifically with providing me with proof that I have asked for under my rights per FCRA section 60 ( A ) ( 1 ). Pertaining to late payments and continuing to report late payments after the accounts are closed. 

1st letter of my dispute was sent certified mail requesting the the 7 closed to be validated per FCRA section 609 ( A ) ( 1 ). Please see attached certified mail dated XX/XX/2020 with USPS Tracking # XXXX. 

XXXX came back with verifying my disputed accts as " accurate and validated '' thru data furnisher and updating the accts. But the reported info are the same with no changes. However they have completely ignored all my requests with providing documentations that validates the inaccuracies of their reportings.

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 2020-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
( PMI ) Loan to value home appraised at {$67000.00} purchased price {$61000.00} base loan amount {$55000.00} as of XX/XX/XXXX debt on principle {$42000.00} called in XX/XX/XXXX to stop PMI payments need to sign request form to stop PMI documents to stop was not delivered. has not stopped called again XX/XX/XXXX told that i need to sign request documents to stop PMI still no documation was delivered as of XX/XX/XXXX i'm being over charged for past year please help This shoud have stopped when I reach 78 % of value {$52000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: UT

Complaint narrative:
Two problems : 1. The fed loan website explicitly says that the coronavirus package can halt payments on my loan but these halted months will NOT count towards PSLF, which conflicts with what your site and many others say. I understood that I could halt payments AND those months would still count towards PSLF. Fedloan seems to be unwilling to recognize that as the situation. What is the truth? 
2. They calculated my repayment for a year based on my Obvious gross income that I provided. They made no attempt to get an adjusted discretionary income from me and I didnt know I had done wrong until they got my tax return one year later and said oh, your payment should actually be THIS. Which turned out to be about 1/3 the amount I was paying. So they essentially fleeced me out of ~XXXX that year and would not return the excess I was paying that I was NOT obligated to pay. It seems that if they get a tax return at the end of the year and your income is such that you were making more than the minimum payments required you should be able to get that back. If the government takes too much money from me in taxes, I GET IT BACK. Why wont the student loan office do the same thing?!! Its criminal and I am very upset by this. I have made complaints with both fedloan, student aid.gov, and even my government representatives and nobody will help me. That extra XXXX would sure help now ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
HELLO, I AM TRYING TO BUY A HOUSE AND NEED A CREDIT BOOST, I AM REQUESTING SANTANA TO HELP BY RE-INSERTING MY ACCOUNT BACK INTO XXXX XXXX AND DOUBLE CHECK XXXX  SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Early 2019, I was having problems making my VA mortgage payments. Called WellsFargo ( my VA Home Loan Servicer ), and was able to be placed on a repayment plan until I could find employment again. During this time, I found gainful employment, and was ending my payment plan with WellsFargo - towards the end of the payment program, I started making large payments. 

WellsFargo has been and still is reporting that my VA Home Mortgage is delinquent, and 120+ days past due. I have receipts from payments made that include date, time, and amount. 

I have disputed this negative reporting for approximately the past six months and WellsFargo does not return messages or have a way to contact them directly. 

I am happy to supply all pertinent documentation back my claims.

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