vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I had an authorized charge from a XXXX website for {$100.00} called AND solutions and PayPal refuses to refund me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
LexisNexis has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILLING U.S. BANKRUPTCY COURT XXXX not mine U.S. BANKRUPTCY COURT XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
The debt was pall in full on XXXX XXXX in the amount of {$500.00}. I'm waiting for the derogatory mark to come off my credit report. The representative i spoke with was not helpful and couldn't say. I just need this mark to show as paid and for it to be dropped.

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 2019-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, a balance transfer check was sent from HSBC bank to XXXX at my request, as HSBC was offering a 0 % balance transfer. Unfortunately, the payment address I provided was incorrect, due to the fact that HSBCs website asks for the provider address, not the providers payment address. I contacted HSBC by  telephone on the XXXX to find out if I could stop payment if it had not already gone out. Instead of telling me that the payment had gone out, the agent stopped payment on the check. Once she finally told me that the check had already gone out but she went ahead and stopped the payment, I became irate and told her that that is not what I wanted.She then put in a request to have the stop payment canceled. I called back a couple of days later and was told that the payment address was irrelevant, because the balance transfer should be processed electronically. 

I received a communication from XXXX on XX/XX/XXXX stating that my payment had been returned by the shore. I was then charged an NSF fee, my payment transaction was reversed, and I have accrued interest on that balance. I made calls to HSBC every few days beginning on XX/XX/2019. Each time, I got a new customer service agent who could not tell me what was going on with the balance transfer. They all said that they had no idea where the funds were, as it showed that the transaction cleared on their end. My most recent call to them was XX/XX/2019. Each time I called, the agent assured me that they would have it looked into and someone would call me back. I have never once received a return phone call from HSBC. Further, there is no way to upload any documentation when sending a message to HSBC to show that their own transaction had been declined. 

I sent an online message on XX/XX/2019 indicating that I would be filing a complaint. When I logged in this morning, my balance now reflect that the transaction was reversed, but the date of the reversal is listed as XX/XX/2019, which is false. I have also been required to make the minimum payment on the balance including the balance transfer, rather than my very small purchase balance. 

This erroneous charge and length of time to find their own money has affected my credit in that it has shown to balances where only one existed. It is also cost me extra money in fees and interest, payments to two credit card companies ( when there should have only been one ), as well as my time and stress and trying to get the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I currently have an auto loan through Capital One. I was involved in a car accident in Michigan where the state has no fault insurance. Due to that and the month it took for them to report my car as totaled I had to quickly find a car because I depleted my savings into a rental thinking my car was going to be fixed. I went to a great dealership where they were very helpful -- from what I thought. The payments were manageable -- not ideal but manageable at about {$340.00} a month. Its been about a year with this car and I've been making the payments. With being a student in school and working to build my finances I had my cousin help me work a path to save. I sent him everything to look into and he came back and was astounded that this dealership let me sign these papers given what the interest rate was 21.68 %. In my defense I grew up in a household where I was not taught any of these things and our education system doesn't even touch on this. I looked at the payment amount and thought all was fine. 
I've reached out and they told me that due to my credit that is why it is high. Other lenders have told me the same thing -- how is this a fair market for those who are learning and trying to get themselves out of a mess like this? My questioning as I am slowly learning the total amount I'd be paying in interest is at this point robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I used my credit card with Comenity Bank to book a vacation package for me and my wife totaling {$2600.00}. The travel agency was shut down due to fraudulent business practices. I filed a dispute with Comenity Bank for none receipt of services. I was given a temporary credit which was later charged back. I communicated with the bank several times for an explanation for the reversal of credit and all they explain to me was that the charge was non-refundable. It is true it was non-refundable if I cancel. But I did not cancel. The merchant is totally unable to render the services my wife and I paid for. 
I have even contacted to Comenity 's CEO because I believe the persons processing my claim don't know what they are doing. I didn't get any response. 
Attached are letters and attachments I sent/provided to Comenity Bank. 
I will be traveling starting today XX/XX/2019 until XX/XX/2019 and will have limited internet access in case you need to contact me and need a response. 
I hope you can assist me with this issue. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
My loans ( 2 ) were transferred just after funding, and prior to first payment. Payment was already set up electronically as per the instructions at closing. Payment was made electronically on time but wasn't credited for over 10 days. I expect my payment to be posted and principal and interest calculated on the day payment was received by the originator as directed. I have called to make this request only to be given excuses. I have also emailed the new servicer. I have included the email sent to the new servicer here : loanservicing@shellpointmtg.com Loans XXXX My loan was recently transferred to Shellpoint from XXXX. 
The first payment on the loan was Due XX/XX/2019 as the loan just recently funded. I closed on the property and flew to XXXX for the month of XXXX. In order to make sure payment was made on time, I had set up electronic payments to the lender ( XXXX XXXX ) before leaving the country. 
When I arrived home, I find that XXXX transferred the mortgage to Shellpoint. XXXX received my payments on XX/XX/2019, I called Shellpoint to make sure that payment was transferred only to be told it was my responsibility to sent supporting documentation. I was dismayed by the response. I followed up with XXXX to make sure payments were received and would be forwarded to Shellpoint, which they verified. 
I looked in the Customer Service Portal on Shellpoint and see that payments were credited as of the XXXX of XXXX. Due to the poor timing of this transfer, I expect payments to be credited on XX/XX/2019, the date they were received by XXXX Mortgage. I have attached copies of my bill bay payment trackers and reciepts from my credit union for your verification. 
I will also send copy of this message to the Consumer Financial Protection Bureau in the form of a formal complaint and violation of 12CFR Part 1024 in regards to mortgage transfers. 
My experience with your customer service department has been very frustrating. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OR XXXX I included attachments with the email that I will add below Thank you, 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 2019-10-14 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH Mortgage reported to XXXX that the Mortgage is part of an active bankruptcy and removed it from my credit report last month. 
There is no active bankruptcy. My bankruptcy was discharged last year and the car and mortgage were excluded. 
I called PHH to ask them to correct the error and they said they would have to look into it. 
I need this put back on my credit report and the XXXX point drop in my score fixed as I need to purchase my car and the credit score of XXXX from XXXX is affecting the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: TX

Complaint narrative:
I didnt apply for a loan with XXXX XXXX XXXX XXXX XXXX XXXX and I disputed two years ago and and all sudden its back on my Experian credit report and I never called Experian and I dont remember it blocking it ... I may with other credit bureaus but not with Experian ... Experian is rude and unprofessional with me and I wouldnt dispute it and and XXXX XXXX XXXX XXXX XXXX refused to remove it off my report and holding me responsible for a fraudulent loan I didnt apply for ...

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 2019-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
In XX/XX/2017 i went to the emergency room for pain. The Dr spent 10 minutes with me, told me I had XXXX XXXX XXXX XXXX  and prescribed a medication. 
The next day I contacted my personal Dr to follow up. The XXXX XXXX XXXX XXXX was from a medication I was on for XXXX XXXX, and the emergency room Dr clearly knew this as it turns XXXX XXXX XXXX! 
The medication he prescribed made my condition worse, as it turned out to be a XXXX XXXX..something he never tested for. 
I feel that service was not delivered and therefore i should not owe this bill. 
I also carried very good insurance at the time ... in contacting them, they claimed there was nothing they could do as hospitals always win these disputes!! 
Please advise what can be done from here. 

Thank you in advance - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX reported to Equifax that the Mortgage is part of an active bankruptcy and removed it from my credit report last month. 
There is no active bankruptcy. My bankruptcy was discharged last year and the car and mortgage were excluded. 
I called XXXX to ask them to correct the error and they said they would have to look into it. 
I need this put back on my credit report and the 92 point drop in my score fixed as I need to purchase my car and the credit score of XXXX from Equifax is affecting the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
I am filing a complaint against the company for violating my consumer rights. I initiated a dispute and request for validation through the credit bureau and sent the company a written request for proof of this alleged debt. In this communication to them, I gave a reasonable time frame for the company to respond in writing ( 30 days ) and also requested that they cease and desist any verbal communication. The company has ignored my request for proof of this debt and has also violated the FDCPA by continuing to place calls to me. On XX/XX/19, A representative contacted me by phone against my wishes. I explained that I do not believe this to be a valid debt and advised her that I sent a request for validation with an updated address for all communication to be sent to me in writing. The collector told me they are not required by law to provide proof of the debt and would not be providing validation. I explained that the law states if they choose not to validate the debt, they must stop all collection activity which includes credit reporting. She proceeded to try and argue with me and started to raise her voice and speak to me in a condescending tone even while I remained calm and professional. This company is blatantly disregarding the FDCPA and FCRA. They are refusing my rights and also reported back to the credit bureau that the information is certified as accurate. They have yet to send me any documentation to validate this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-14 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-14 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express increased the minimum payment percentage without notifying me or my consent from 1 % to 2 % of the cards balance. 

My first payment made for the 2 % minimum was XX/XX/XXXX. 

I called them about the situation, they stated that they sent an email notifying all cardholders of this increase in minimum payments. However, I have no email from them. 

I asked them to resend the email that originally sent. They stated that the marketing department is over that issue and there is no way to get in touch with them. 

After a few minutes of nagging, I convinced the customer service representative to contact a manager about the situation. He did so and said that they will resend the email if the notification. 

This call took place late XXXX. I still havent received the email of the notification for increasing the minimum payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: IL

Complaint narrative:
Experian is reporting the following items inaccurately ( see enclosed ). This violates 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 2019-10-14 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: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates 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 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Harvard Collections, LLC
State: AR

Complaint narrative:
COLLECTOR ONCE AGAIN FAILED TO SEND A TAX LIEN RELEASE VERIFICATION FOR THE ILLINOIS DEPT OF REVENUE SHOWING PAID/SATIED AND UPDATE XXXX TO REFLECT SO.SEE CFPB COMPLAINT XXXX, DATED XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
COLLECTOR ONCE AGAIN FAILED TO SEND A TAX LIEN RELEASE VERIFICATION FOR THE ILLINOIS DEPT OF REVENUE SHOWING PAID/SATIED AND UPDATE EXPERIAN TO REFLECT SO.SEE CFPB COMPLAINT NOXXXX, DATED XX/XX/2016.

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 2019-10-14 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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