vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 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: GA

Complaint narrative:
Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-19 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: CORELOGIC INC
State: GA

Complaint narrative:
I filed a dispute inregards to the incorrect and unverifiable items on my credit report. It has been well over 30 days and I haven't 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 2020-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I tried to dispute a {$10000.00} for services that weren't rendered in XXXX and it still hasn't been resolved. I've sent letters from attorneys, receipts, buy sale agreement, second opinion letter, email where owner of company offered to refund my money and where my attorney and I accepted. I have provided capital one with everything they asked for and spent money on attorney fees and still on going

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
My lender is Nationstar d/b/a Mr. Copper. The courts put me into modificiation with the lender. Then COVID - 19 struck our nation, in the middle of this crisis ( End of XXXX  ) I received a phone call stating that I was APPROVED for Modification, but the catch was the person said I need to pay immediately ( {$970.00} ) which was {$150.00} more than my current payment. When I asked what program I was approved for they said HAMP ( which according to the government website had expired back in XX/XX/2019. When I question How was I proved for a programs that NO LONGER exists, I was not given a answer. I was ONLY ask to start making this very HIGH payment. NO DOCUMENTS, NO INFORMATION ON THIS PROGRAM, NO COURT MEDIATOR, NO ATTORNEY, EVERYTHING HAS BEEN SHUT DOWN!!! Now this company has decided to continue with the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are errors on my credit report pertaining to the following Personal Information. 

INACCURATE NAME SPELLING XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX INACCURATE ADDRESSES:XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX OUTDATED EMPLOYERS : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are errors on my credit report pertaining to the following Personal Information. 

INACCURATE NAME SPELLING XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX INACCURATE ADDRESSES:251 XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX OUTDATED EMPLOYERS : 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

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX has reported my account as delinquent, but I have disputed the charge altogether because I never, ever, ever received the merchandise from XXXX XXXX. In fact, XXXX XXXX went out of business. 

I have disputed the charge multiple times. My dispute is in fact the subject of another filing with CFPB. 

Despite my dispute, XXXX has reported my account as delinquent. I need your help in getting this corrected.

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 2020-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RSH & Associates, LLC
State: KS

Complaint narrative:
I have a medical collection showing on my credit report from RSH and Associates LLC. From what I can see from my credit report, this debt is over two years old and for the amount of {$2500.00} To be specific, this debt is actually from XX/XX/XXXX. 
My first issue with this account : I didn't get any paperwork or a letter from this collection company whey then this account was placed with their office. My second issue : I requested a proper validation of this debt in XX/XX/2020 when I found this debt out about this debt. The collection company sends me a letter stating that I don't have the right to request a validation of the debt because my time to dispute it has ran out, but they demanded payment in full anyways. I sent a request again, and the second letter states that they verified the debt with XXXX XXXX XXXX. ( Don't have a clue who this XXXX  center is ) and it's accurate. So pay them. I contact the original creditor, and they direct me back to the collection company. 
My third issue : This collection company is reporting inaccurately on my credit report. Per my financial and credit advisor, this debt shows no last day of activity on the account, which means that this debt could be re-aged at any time. So if this company wants, they could update this account to keep it on my credit longer then the seven years, and they have responded to my disputes with the credit reporting companies twice now without updating the last day of activity on the account. How is it possible that a collection company can demand payment on a debt with reporting it properly or providing any documentation regarding what they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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 writing to dispute the following information in my file. I have not heard back from the credit bureaus in over a month.

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 2020-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
After been disputing wrong information on my credit report for about a year, a lot of the accounts that were not mine were removed from my credit report, but, no too long ago I received a collection letter from XXXX XXXX XXXX trying to collect on behalf of XXXX, one of the accounts that were included on my identity theft package, after disputing via CFPB, they removed the account, unfortunately, just a few days ago, after checking my credit report, I found out that a new collection ( EOS CCA XXXX came up collecting on the same account. 

Attached is my Affidavit of Identity theft package submitted via CFPB for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: GA

Complaint narrative:
XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-19 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:
I opened a second Chase credit card in late 2017. I used the card for a few months, paying off the balance in entirety each month, and then ceased usage of the card entirely. 

The revolving credit account now appears on my credit report, showing that the account was " charged off '', with a final balance of {$500.00}, and several missed payments. 

Chase never sent a paper bill, never called, never emailed, or otherwise attempted to make me aware in any way that the account carried a balance while the account was open ( and, if any transactions were made, I did not make them ). I regularly logged into my Chase account online and regularly observed a balance of {$0.00}. 

I have spent many hours on the phone with Chase over the years attempting to resolve this, to no avail. I'm unable to attach any documentation showing the balance of {$0.00} as the account is closed and I'm no longer able to log in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
CITIBANK XXXX XXXX XXXX mile promotion

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 2020-08-19 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 writing to dispute the following information in my file. I have not heard back from the credit bureaus in over a month.

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 2020-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have a HAMP Modification without any equity since the XXXX crises, In XX/XX/XXXX I spoke with two representatives, a XXXX XXXX @ XXXX regarding a FHA fixed rate without adjustable which was disapproved and I spoke to a XXXX XXXX, @ XXXX advised an in house modification which also was disapproved. My statement of XX/XX/XXXX ( I received XX/XX/XXXX ) went up regarding a recast but when it stated, " Your monthly payment includes... and other escrow expenses. '' I asked, " What are these other escrow itemized expenses, and Disbursement insurance and why has it changed from XXXX to XXXX? '' As usual no returned call. In XXXX I just realized that my monthly bill was XXXX over, I called the bank as well as Nationstar. I corrected it, but as time went I saw that it continued with XXXX over. I received my statement due for XX/XX/XXXX that my mortgage went up! So I called complaining and was advised of their Pandemic Relief, FORBEARENCE agreement At first I thought it was a good idea, but not. I tried calling but couldn't get through, system kept disconnecting. I called a different number to cancel out, I did speak to different ones and they refuse to change my request. I remind you that they continue to have me under that Forebearance agreement. I want them to lower the HAMP and not any FLEX MODIFICATION. I already have the HAMP Modification

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 ( see attached statement ), I received my monthly USAA Credit Card statement showing a new balance of {$1800.00}. This total was the combination of the previous balance ( re-assigned to a cash advance status years ago ) of {$1800.00} added to the interest charge of {$17.00}. On XX/XX/2020 the entire balance was paid in full via electronic transfer from a USAA checking account. 
On XX/XX/2020 ( see attached document ) I received another monthly statement showing a balance due of {$6.00}. This had been calculated by using the previous total balance due and applying a daily interest rate based on the number of days before the balance was paid off in full. Those numbers being {$730.00} added to the interest of that sum {$6.00}. As the entire balance had been paid the previous month, I did not read the statement until XX/XX/2020, at which time the new total of the accumulated interest charge was again paid in full. 
On XX/XX/2020 ( see attached statement ) I received another monthly statement showing a zero balance due, but still a balance subject to interest of {$6.00}. This balance shows in the cash advanced balance, even though it is an interest charge. It therefore becomes a new balance that is subject to interest, creating the principle of charging interest on an interest fee. There was no option to pay the balance subject to interest, which as mentioned, accrues daily. The statements are released 1 day after the billing cycle begins, thereby creating an endless loop of interest, becoming a balance subject to interest, but with no way to pay off the balance subject to interest. 
I have spent over 3 hours trying to explain and resolve this issue with the customer service reps at USAA. Most don't understand the math, but those that do insist that there will not be another charge even though I am showing a balance subject to interest. 
I believe that at best this is a critical error on the part of USAA and at worst this is criminally negligent or abusive behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: FL

Complaint narrative:
THE INFORMATION LISTED DOES NOT BELONG TO ME SOMEONE USED MY INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME THAT I DID NOT APPROVE ... THE APARTMENT LISTED AND TH CABLE BILL AND CELL PHONE ACCOUNT ARE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: CA

Complaint narrative:
MY XXXX  AUTO LOAN ACCT NUMBER XXXX SHOWS A LATE PAYMENT IN XX/XX/2020 WHICH IS NOT CORRECT. EACH BUREAU SHOULD BE ON THE SAME PAGE AND REPORT DATA CORRECTLY.

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 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: IL

Complaint narrative:
The companys Name : netSpend DebitCard : XXXX XXXX managed by NetSpend In the middle of XX/XX/XXXX I phoned NetSpend ( MileagePlus XXXX about their direct deposit policy ) only to find out that my account was closed in XX/XX/XXXX, because they were no longer in partnership with XXXX XXXX. 

I was told when they closed the card my they still had {$73.00} of my very own money in the account. Thus they issued a check for that amount and sent it to my address. 


I never received that check, I called NetSpend couple more times about the check, wait time was 30-40 minutes, and after I explained why I was calling, I was put on hold forever, no one came back to pick up the phone. I gave up calling ... 

XX/XX/XXXX I receive a check in the mail from NetSpend for XXXX Made a mobile deposit to my checking .. 

XX/XX/XXXX My bank sent me a digital copy of the check from stating the date was stale I took a second look at the hard copy of the check and In fact the Check was issued XX/XX/XXXX, right below pay to the order of said Not Valid After 90 Day @ I phoned NetSpend explained them what happened, they told me that the check is still good, gave names of 5 different banks near by me where I can just go to and will have no problem cashing the check as long as I have a valid state or a federal ID. I gave two of those banks they gave me a try, of course like a criminal by the the tellers at both banks you are not banking with us? We dont just cash random checks, no! Who told you that we do that? At the end of the day both banks wouldnt cash the check and I was done with people with taking their anger on me XX/XX/XXXX I phoned NetSpend back explained to them what happened at those banks. They took all the information again put me on hold and never came back ... This time I called back, again I explained what is happening with the check etc .. and just asked them to issue a new check I was put on hold for 15 minutes .. when the person came back she told me that she cant issue me a new check and that they will simply steal my money! Thats my money not credit not a loan, and they just told me THEY WILL NOT GIVE ME BACK MY MONEY! Why? become the check was issued to me over 6 months ago so they cant issue another check? 

I dont know why this check got here so late, that is not my fault, what I do know is that I am not about to get robbed by a bank ... they have billons and they are stealing from the little people? I am sure I am not alone .. how many {$70.00} checks were never cashed? How much money is netSpend making by stealing from closed accounts? 

I am curious, I really am curious! I am sure I am not an isolated case!

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 2020-08-19 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: CA

Complaint narrative:
XX/XX/XXXX I have been a costumer of Capital One Credit cards since XXXX and have been in good standing for the entirety of this period. I paid off the remaining balance of debt in full online last month ( XX/XX/XXXX ). This month ( XX/XX/XXXX ) I received additional interest fees of that previous balance which came to the amount of, {$11.00}. 

I called and spoke to 4 separate employees on XX/XX/XXXX in which 2 of them were Senior Account Supervisors, XXXX # XXXX and XXXX # XXXX. I asked that they remove the {$11.00} interest fee as a courtesy. This was denied. They advised me that I am not " eligible '' for this because I would have had to make 2 full balance account payments consecutively. I asked how this could be the case, how could they have offered customers payment deferments without paying for interest due to COVID. I was advised that they did offer this in the beginning, but they are no longer offering this now, so they could not help me. When I asked about speaking with anyone else, above them, they both advised that their position is the highest rank and that there was no one else that could help me. I asked XXXX, the last supervisor I talked to, to place a complaint. He said he made a note of the complaint. I asked if I would receive some sort of confirmation, letter in mail, or follow up. He stated, " No. '' So, Capital One also has a policy according to XXXX that complaints are collected for better assistance but you as a customer will never hear about whether your complaint was reviewed and our even filed! How is this even a way of running a company that is customer based!? 

As a longstanding customer since XXXX I am appalled that the one time I ask for a courtesy of a fee to be waived at the mere dollar amount of {$11.00} after paying off my debt in full could not be granted. Not to mention the unprofessional attitude of the last Supervisor, XXXX. He spoke to me as if I were incompetent and in a condescending tone. I will no longer utilize this card and do not plan to ever be a customer of Capital One again.

Company response to consumer: Closed with monetary relief