vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: MD

Complaint narrative:
I found out in XX/XX/XXXX while applying to refinance our home that my credit rating was much lower than expected. On XXXX XXXX I called XXXX and discovered a problem with a XXXX credit card issued through XXXX XXXX  for the purchase of about {$80.00} I made in the summer of XXXX in XXXX. I use the card very infrequently. 

I acknowledge the purchase but I never received any monthly statements for payments at either our XXXX  cottage or our main home in XXXX. Not one! We have been to our cottage twice in the fall and winter of XXXX. While mail has been delivered there was absolutely nothing from XXXX XXXX XXXX. 

To resolve the issue I called XXXX XXXX  on XXXX XX/XX/XXXX. After a series of calls and delayed/overlapping correspondence from them they finally told me they had no information on my credit card and could not help me since the account had been sold to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$340.00} and an associated collection agency Stoneleigh Recovery Assoc. LLC. 

XXXX XXXX  lied to me. After the first call I did not hear anything from XXXX. I called twice more. On the second call they told me the cost of the original balance was {$80.00} and I would be sent a letter verifying that was the amount I owed. On the third call they listened to a recording of the previous call to verify what I was told. In written correspondence they said they would research my claim and would take days to resolve it. They never did this. 

It is clear that XXXX and Stoneleigh did not have our address in XXXX  on record. It was not until I opened the dialogue with XXXX that Soneleigh sent me a letter demanding a deal of a one time payment of {$300.00} for settlement in full against the {$340.00}. Yet they had our XXXX   cottage address. 

In discussions with XXXX  they have failed to provide the alleged missing account statements nor have they provided any information on when and where the account statements were mailed. They have washed their hands of the issue. My credit rating has been levelly damaged. There is no reason I would not have paid this bill on receipt of the statement. 

Stoneleigh claims that mail delivery problems are no excuse. I maintain they never sent any statements. Stoneleigh also said that I should have been aware of the outstanding bill much like a mortgage payment. I maintain that I receive monthly statements from all my accounts and that any normal consumer would reasonably expect such service from XXXX XXXX and XXXX XXXX. 

I paid the {$300.00} because I feel trapped. 

XXXX XXXX is at XXXX XXXX XXXX XXXX, Ohio XXXX. 
Stoneleigh Recovery Associates os at XXXX XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. 

I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.

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 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I have a property foreclosure sale date set for XX/XX/2020, I have requested mortgage assistance with my mortgage company several times, they have given me the run a round saying they didn't receive my documents and refusing to assist me with my mortgage. 
Received foreclosure notice from Foreclosure Attorney and Select Port Folio a sale date has been set for my home to foreclose even though the president of the United States has imposed the Care Act because of Covid-19 stopping property foreclosures sales nationwide. I have recently submitted another request for mortgage assistance including my financials to Select Port Folio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
Kramer and Frank had 2 XXXX XXXX accounts. They failed to communicate with me to settle these accounts. They didn't answer phone calls, emails or calls. XXXX XXXX  did not either. I have been trying to resolve since 2016. This is unprofessional and unethical. Being reported by XXXX XXXX in collections all this time and none of these business will communicate. Very wrong. I demand this be fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/20 I received an email message letting me know that Citibank had a " Decline of card request '' message. I tried for days to call, the XXXX number was hanging up every call, and chat was disabled. I posted on XXXX and followed the company so they could direct message me. It took a couple of days for them to reach out to me, and let me know that the account was 'mistakenly closed by our agent '. No one from Citibank reached out to let me know that the account was being closed, and to date, nothing shows up on the app that I use ( Citi ) to monitor the account, and my limit still shows {$2700.00} ( I can provide screenshot ). 

I did not close the account, and the letter to notify me that I needed to take action was sent only in paper form and the email to tell me that the requests for the card was declined hit my email inbox 5 months after the agent made the error to close my account. I have never been late for any payment, and the account was in perfect shape when it was closed without my knowledge or consent.

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 2020-04-17 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, I was charged {$1200.00} USD twice for the same flight booking thru XXXX, once on my Chase bank debit card and once on my chase visa credit card for flight from XXXX to USA on XX/XX/2020. Attached are both tickets. My purchase initially did not go thru on the chase credit card ( it failed ). Therefore I attempted to book with my chase Debit card. That did not work either. Then XXXX sent me an email later that both tickets were confirmed even though I only needed one booked. As you will see on both tickets, its the same traveller ( myself ). This is a clear error on XXXX 's part. 

The charge of {$1200.00} was charged on my chase visa credit card on XX/XX/2020. The charge of {$1200.00} was charged on my debit card on XX/XX/2020. I disputed this charge on the debit card and chase reversed the charge on XX/XX/2020. However, on XX/XX/2020, Chase put back the charge on my debit card for {$1200.00} after completing the dispute resolution. I contacted Chase on XX/XX/2020 and they are unwilling to refund this amount. I have attempted to contact XXXX several times but they will not respond to any inquiries. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
More files to upload to previous of which I was not allowed to upload more then 10 MB at a time, as the total file is over 39 MB.

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 2020-04-17 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:
XXXX XXXX XXXX XX/XX/XXXX Re : Identity Theft Notification To Whom It May Concern, This certified letter is to notify you that I believe I have been a victim of identity theft. Please VERIFY the following accounts, THOSE following items do not belong to me and is a result of fraud XXXX  XXXX Credit limit {$300.00} Opened XX/XX/XXXX XXXX XXXX  Last reported XX/XX/XXXX {$2200.00} Opened XX/XX/XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$16000.00} Highest balance {$21000.00} Monthly payment {$650.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Amount past due {$0.00} XXXX XXXX XXXX  Account Number XXXX Account Type Individual Date Opened XX/XX/XXXX Status Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Re : Identity Theft Notification To Whom It May Concern, This certified letter is to notify you that I believe I have been a victim of identity theft. Please VERIFY the following accounts, THOSE following items do not belong to me and is a result of fraud XXXX XXXX Credit limit {$300.00} Opened XX/XX/XXXX XXXX XXXX  Last reported XX/XX/XXXX {$2200.00} Opened XX/XX/XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$16000.00} Highest balance {$21000.00} Monthly payment {$650.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Amount past due {$0.00} XXXX XXXX XXXX  Account Number XXXX Account Type Individual Date Opened XX/XX/XXXX Status Closed.

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 2020-04-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  have had authorization information on my account to do direct debit for monthly payments in the amount due. These payments have been in place for over two years to avoid a missed or late payment, and have been deducted without issue. 

On XX/XX/XXXX however, the monthly payment amount increased, but not only did XXXX XXXX not debit the correct amount, they never called me or sent mail notifications regarding the change. On XX/XX/XXXX, the issue repeated itself, without notification by them, at which point I became over 30 days due for the small difference in payment they debited in XXXX on XX/XX/XXXX, without warning - phone call or mail, I was reported to the credit agencies as delinquent. 

I attempted over a period of days to contact XXXX XXXX customs service as well as XXXX XXXX  - multiple transfers - hours on the phone - reps telling me no payments were made, myself providing bank info showing they were, reps ultimately finding them and ultimately telling me they didnt know why I was never called nor why XXXX XXXX/XXXX XXXX  failed to pull out the correct amount due - as authorized. 

These companies need to be held accountable for their business practices - their failures should be subjects to their own form of credit reporting in terms of financial harm, lost time correcting their errors, and more

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 2020-04-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  have had authorization information on my account to do direct debit for monthly payments in the amount due. These payments have been in place for over two years to avoid a missed or late payment, and have been deducted without issue. 

On XX/XX/XXXX however, the monthly payment amount increased, but not only did XXXX XXXX not debit the correct amount, they never called me or sent mail notifications regarding the change. On XX/XX/XXXX, the issue repeated itself, without notification by them, at which point I became over 30 days due for the small difference in payment they debited in XXXX on XX/XX/XXXX, without warning - phone call or mail, I was reported to the credit agencies as delinquent. 

I attempted over a period of days to contact XXXX XXXX customs service as well as XXXX XXXX  - multiple transfers - hours on the phone - reps telling me no payments were made, myself providing bank info showing they were, reps ultimately finding them and ultimately telling me they didnt know why I was never called nor why XXXX XXXX/XXXX XXXX  failed to pull out the correct amount due - as authorized. 

These companies need to be held accountable for their business practices - their failures should be subjects to their own form of credit reporting in terms of financial harm, lost time correcting their errors, and more

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  have had authorization information on my account to do direct debit for monthly payments in the amount due. These payments have been in place for over two years to avoid a missed or late payment, and have been deducted without issue. 

On XX/XX/XXXX however, the monthly payment amount increased, but not only did XXXX XXXX not debit the correct amount, they never called me or sent mail notifications regarding the change. On XX/XX/XXXX, the issue repeated itself, without notification by them, at which point I became over 30 days due for the small difference in payment they debited in XXXX on XX/XX/XXXX, without warning - phone call or mail, I was reported to the credit agencies as delinquent. 

I attempted over a period of days to contact XXXX XXXX customs service as well as XXXX XXXX  - multiple transfers - hours on the phone - reps telling me no payments were made, myself providing bank info showing they were, reps ultimately finding them and ultimately telling me they didnt know why I was never called nor why XXXX XXXX/XXXX XXXX  failed to pull out the correct amount due - as authorized. 

These companies need to be held accountable for their business practices - their failures should be subjects to their own form of credit reporting in terms of financial harm, lost time correcting their errors, and more

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 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
I had to refinance my house to repay IRS for early withdrawal penalties from my Retirement pension. 

I received this mortgage from Cross Country Bank to pay for that debt. 

My wife 's income has been slashed drastically due to commissions and downturn even before CV.19 but now is critical. 

The only thing I am asking is to change the date of the payment to the XXXX of the month. I can not afford to pay it on the first since most of my bills are on the XXXX. 

I have asked them several times to change the due date and they have refused. 
Most of the time when I have had a loan it was not a big deal to change the payment date. 

Now they are charging me a late penalty when I am paying past the XXXX date. 
They will not allow me to automatically pay on the XXXX. They only allow me to pay XXXX XXXX. 

With our economy in a tailspin, we really need to be able to work together. 
My only option seems to be to refinance again to get out of this situation which would add more fees. 

These are the dates I have asked for the date change. 

How can I change my payment date? Auto Drafting XX/XX/XXXX XXXX XXXX Re : How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX Re : :How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX Re : Re : How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX  How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX XXXX XXXX had 2 Capital One accounts. They failed to communicate with me to settle these accounts. They didn't answer phone calls, emails or calls. Capital One did not either. I have been trying to resolve since 2016. This is unprofessional and unethical. Being reported by Capital One in collections all this time and none of these business will communicate. Very wrong. I demand this be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: PA

Complaint narrative:
Transunion, XXXX, and XXXX - all have negative items on my credit report that are false as these accounts were opened fraudulently without my notice.

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 2020-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
XXXX mobile phone provider is keep hiring collection agency to claim {$1100.00} for service i did not agreed. I was with XXXX for less than a month with out contract. I was on month to month service, and they gave me free phones for 5 lines family plan. After i learned that they were trying to charge me unfairly, i canceled the service and moved back to my previous provider. Later they hired collection agency which i disputed and was deleted out of credit history. Then they hired another collection agency which i kept disputing it. At this time XXXX  refused to allow me to dispute it, by simply taking the collection agency side. The contract they using has altered signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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:
XXXX, Equifax, and XXXX - all have negative items on my credit report that are false as these accounts were opened fraudulently without my notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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:
XXXX, XXXX, and Experian - all have negative items on my credit report that are false as these accounts were opened fraudulently without my notice.

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 2020-04-17 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:
AFTER REVIEWING MY CREDIT REPORT, I CAME ACROSS SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY PREVIOUS TRANSACTIONS THAT I HAVE MADE. ALSO NONE OF THESE WAS AUTHORIZED BY ME. I AM ASKING THAT A RE-INVESTIGATION AND REMOVAL OF THESE ACCOUNTS AND INQUIRIES TAKE PLACE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
More files to upload to previous of which I was not allowed to upload more then 10 MB at a time, as the total file is over 39 MB.

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