vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was granted payment relief and forbearance of my federal student loans with XXXX XXXX due to a loss in income. The way that this was reported negatively impacted my credit score. I contacted XXXX XXXX and was told that I needed to contact the Consumer Reporting Agency to have it 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 non-monetary relief
Consumer complaint received 2020-07-20 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: FL

Complaint narrative:
After reviewing my annualXXXX XXXX XXXX currently only reports on Transunion, I'm not sure where Transunion is getting this information from but neither XXXX  or XXXX  currently reports XXXX XXXX XXXX. This is inconsistent and inaccurate reporting by transunion a violation of FCRA rules.

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 2020-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Medicredit, Inc is attempting to collect an alleged debt attributed to me by XXXX XXXX XXXX XXXX XXXX. Account # XXXX, date of service XX/XX/2020, {$220.00}. This debt does not belong to me. 

I have asked Medicredit to provide me documentation for my review which establishes the account as mine. Ideally, this would include my dated signature, a receipt of the goods or services provided, and a copy of my identification. I have written to Medicredit to formally dispute this debt and request this documentation -- it has not been provided. I have requested Medicredit to discontinue attempts to contact me by telephone, but I still routinely receive auto-dialed calls and requests to communicate by telephone. I have asked Medicredit to report the debt as unverified and disputed, but credit reports do not show the disputed nature of the debt.

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 2020-07-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I turned in my lease a year ago. 

this is still showing as active on my credit report. I am trying to purchase a house and this debt is inhibiting me from being able to purchase I called to make sure that I was closed out. They confirmed i was closed with a {$0.00} balance. It is showing on my credit report as still open at all 3 bureau and that I have a balance of {$23.00}.

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 2020-07-21 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: TX

Complaint narrative:
FTC Violations XXXX XXXX {$810.00} XXXX {$20000.00} XXXX {$1700.00} XXXX XXXX 's {$270.00} XXXX  {$1300.00} XXXX XXXX {$520.00} XXXX  {$840.00} XXXX   consumer finance division has agreed to a {$550.00} million deal to settle allegations that it placed consumers into loan arrangements with a high risk of default. 
XXXX XXXX XXXX XXXX settled with 33 states and the District of Columbia. It agreed to pay {$65.00} million to customers affected by the practices, as well as waiving {$470.00} million  worth of outstanding loan payments. It also agreed to pay {$7.00} million  to states to cover restitution claims. 
Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ).

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 2020-07-21 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: TX

Complaint narrative:
FTC Violations XXXX XXXX {$810.00} XXXX {$20000.00} XXXX {$1700.00} XXXX XXXX 's {$270.00} XXXX  {$1300.00} XXXX XXXX {$520.00} XXXX  {$840.00} XXXX   consumer finance division has agreed to a {$550.00} million deal to settle allegations that it placed consumers into loan arrangements with a high risk of default. 
XXXX XXXX XXXX XXXX settled with 33 states and the District of Columbia. It agreed to pay {$65.00} million to customers affected by the practices, as well as waiving {$470.00} million worth of outstanding loan payments. It also agreed to pay {$7.00} million to states to cover restitution claims. 
Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I've tried disputing two accounts off my credit because I was unaware of those accounts. I had no acknowledgement of those accounts. I contacted XXXX  XXXX  and did a fraud claim for identity theft and I have anything since then. I been trying to get these accounts deleted ever since I've known that they been on my credit. These are the dates I have and the amounts. XX/XX/XXXX in the amount of {$520.00} and the other one is for XX/XX/XXXX in the amount of {$740.00}.

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 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have a credit card with Bank of America and have been a customer for nearly a year between XXXX. I have excellent credit and have paid the full balance on my card on several occasions. I always make extra payments and pay over the amount due. However, I am still being charged the full interest rate and I'm a military member. I sent in all of my documents for SCRA eligibility twice and am awaiting a response. I have asked for lower interest rates but am being told that the rates are going off of eligibility during a supervisor conversation on XXXX XX/XX/XXXX. I discussed the fact that my credit is excellent and my rate should be lower. It's lower on all other cards. I would like in inquiry into equal lending practices because I believe my interest rate is higher due to being a XXXX  and female. Bank of America has had discrimination issues in the past with lending. I do not believe these issues have been 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 2020-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI
State: FL

Complaint narrative:
I was first contacted by General Revenue Corporation ( GRC ) on or around XX/XX/XXXX regarding an alleged debt. The debt allegedly originated as an account with XXXX XXXX University. The amount owed on this alleged debt was {$4800.00} and was assigned file number XXXX. I was never contacted by XXXX XXXX University  regarding this alleged debt and never agreed to any type of arrangement with the University. I was once a student with XXXX XXXX University  and all of my student loans are current with the United States Department of Education. I ended my enrollment with the University in XX/XX/XXXX. I responded to GRC via multiple certified letters that I was unaware of the alleged debt and its origins and I sought validation of the alleged debt. GRC responded to my correspondence with a list of charges that allegedly came from the University. GRC has not yet provided any contract between me and the University. GRC has refused or been unable to provide any documentation that will legally validate the alleged debt. The University has placed the same account with a different collection agency in the past, XXXX XXXX. The account was investigated and removed from all credit bureaus when XXXX XXXX was unable to validate the debt. GRC has since reported this account to multiple credit reporting agencies without proper validation or proof of validation. 
The initial amount of the alleged debt is different than the amount of the debt in the alleged validation letter that I received. The unfair reporting of this alleged debt has caused damages to my credit report and my reputation as a consumer and as a professional. GRC has been misleading and have not been willing to validate this alleged debt prior to taking adverse action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: SC

Complaint narrative:
I purchase a flight ticket on XX/XX/XXXX for a flight going to XXXX on XX/XX/XXXX. The amount if {$720.00}. The merchant 's name is XXXX XXXX and they are based in the XXXX. I tried to cancel the flight on XX/XX/XXXX because of COVID and because the merchant already sent an email stating hat all international and domestic flights are cancelled, however, I was not able to get a hold of the merchant because of high call volume so I called my credit card company Chase to resolve the billing dispute for me. They said they were able to get in touch with the merchant and based on the merchant 's terms and conditions, I am not eligible for a refund or flight cancellation, Chase said that I am responsible to pay for the charge so I said okay I'll just go ahead and take the flight then. On XX/XX/XXXX, I received an email from the merchant stating that they are cancelling the flight and I can file for a refund but it will take 4 billing cycles to get processed. I called my credit card company again Chase to reopen the billing dispute. The agent I spoke with said that I can redispute the transaction based on the fact that the merchant is no longer able to provide the service. I sent a letter via snail mail to redispute the charge. On XX/XX/XXXX, I received another letter again from Chase stating that the charge is valid without any explanation. I called them and spoke to a supervisor and was told that because I originally initiated the cancellation, I am no longer entitled for a refund even though I haven't really spoke with the merchant and there was no confirmation of the cancellation from me. I believe I am still entitled for a chargeback based on the Fair Credit Billing Act in which services were not provided and I don't believe my case was treated fairly by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
Rushmore have problem taking my payments from my Account and have been suspended from making payment over phone with my checking are saving account ..The thing is every now and than what ever they are typing in go through sometimes and when it dont Im suspended from making payment that way for like 3 months are more ..and they give me other options which is a burden and crazy but not even my fault ... because the money will still be in my account..its very frustrating when I have to verify often to see if its processing ..please fix ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant Mercantile Agency
State: FL

Complaint narrative:
I pulled my credit reports today, XX/XX/2020 to find I have a collection listed on my reports by Grant Mercantile Agency for account # XXXX. Upon further research I found this was a debt purchased from XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. I am willing to offer a settlement of {$75.00} being that they paid pennies on the dollar for the debt anyway, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. This is also a violation of HIPAA. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. The original creditor if necessary shall also acknowledge the debt to be removed and considered paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The week of XX/XX/XXXX - my sister placed me on her XXXX XXXX card as an authorized user. XX/XX/XXXX - my Lender pulled my credit reports from all three bureaus however, the card was not showing up on Experian so my Lender asked me to give Experian a call. It was like trying to get into the White House uninvited. The recorded messages kept sending XXXX in circles as well as when I finally spoke with someone they mentioned that they had to do an escalation as they were not seeing the new card for XXXX XXXX ( XXXX addition ) they only saw an old reported card ( XXXX ). Experian told me that it would take 3-5 business days and it has been over 14 days and I still have not received a phone call, email nor a letter in the mail advising me of the outcome to my submitted escalation. 

This horrible because it has prolonged the closing of my home loan which in turn I may lose the house that I currently have an offer on. 

The Sellers are not willing to wait any longer. 

My sister and I both have call several times to ask why Experian was not reporting and they can not provide a concise answer. My sister as called XXXX XXXX her credit card company as well and all they can tell her is that they report to all three credit bureaus. 

I understand COVID-19 has affected businesses and their staff personnel, but if one is a national credit reporting company they should have persons manning their phones during normal business hours. 

Not only does it feel like I wasted so much time going in circles I may not be able to close on my house. I am furious.

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 2020-07-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I ordered through Paypal on XX/XX/XXXX and never received headphones. On XX/XX/XXXX I contacted Paypal and have requested a refund. For the last month I have been given the run around and still have not gotten either the headphones nor my money back. First date the gave for resolution was XXXX then XX/XX/XXXX then XX/XX/XXXX. Now its up to XX/XX/XXXX. At this point all I want is money back so I may close my Paypal. This company takes your money but offers no relief for its members. They protect sellers not those who buy and would encourage all not to use Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
called equifax spoke to rep cant get a copy online of my report and items are still reflecting on report in error

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I pulled my credit reports today, XX/XX/XXXX to find I have a collection listed on my reports by Midland Funding LLC for account # XXXX. Upon further research I found this was a debt purchased from XXXX XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. Rather than allowing it to revolve on my credit until XX/XX/XXXX, I am willing to offer a settlement of {$100.00} being that they paid XXXX  on the dollar for the debt anyway, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted numerous times to dispute this to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. It will be acknowledged the debt to be removed and considered paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OUT TECH, INC.
State: PA

Complaint narrative:
XXXX where I was receiving therapy. I had only 2 or 3 sessions. All services provided at start of treatment was {$10.00} copay which was paid before services were rendered at each session. Paid using XXXX XXXX  XXXX. I have no clue what these charges are and they are unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I have an existing loan with quicken loans .loan number XXXX. I just looked at my XX/XX/2020 statement and noticed they are charging me XXXX for a payoff request. Firstly this request was not done by me. Secondly they did not notify me of this request. I have been with the same mortgage broker for 20 years and apparently she is always looking to save me money and refinance my loan. Apparently she made the payoff request without my knowledge and has never in her 25 years of practise ever seen a customer having to pay the money as part of a loan payment usually its paid during the close of the loan or payoff. When I tried to call quicken loans I got no where and when I tried to call corporate I got put on hold for over 30 minutes. I do not believe I should have to pay the XXXX dollars and they way they are attempting to collect this debt is beyond my comprehension without my knowledge. Attached is my XXXX statement showing this money which I want removed from my debt obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On a continued basis, America First Credit Union seems to place roadblocks making it extremely difficult, if not impossible to make payments to them in a timely manner. One would think that a creditor would do whatever possible to make things easier for consumers to make their payments but throughout our dealings with them theyve made it more and more difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: MI

Complaint narrative:
I paid off balance on Capital One credit card and afterwards was charged additional interest charge. I called to verify payoff amount thru automated phone service but Unbeknown to me I needed to call and SPEAK to a live Person to get my payoff. If this was disclosed, I would have done that. 
This is not disclosed on my monthly statement and I feel this is very shady behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 is reporting an accoutn from XXXX XXXX XXXX that is incorrect please correct and update off my report due to id theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation