vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

CAPITAL ONE XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
For three months ( since XX/XX/XXXX ) I have requested error corrections at the bureau level on my credit report with XXXX with no resolve. XXXX refuses to remove erroneous information that I was late - reported to my credit report and in fact I show that they have never even investigated this file. 
I received a stall letter however that everyone seems to have gotten that I know who has tried to fix their credit this year saying that they applaud me for my attempt to fix credit and they have ceased my investigations. 
There are erroneous student loan lates reported to my credit report and it has never been investigated. 

They ( XXXX ) report me as closed since XXXX I don't believe based on how this reports should be there at all. Date last active is diff, date last reported.. 

Furthermore, Equifax reports payment activity on a closed account, and they just marked me as 120 days late in XXXX of XXXX! This isn't possible! it's a closed account. and XXXX  reports nothing. it's a hot mess the laws clearly state it can not be on my report if it's not 100 % acurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Today XX/XX/2022 I called XXXX XXXX XXXX to pay the deferred amount that was required during the timeframe of my former husband who has subsequently died. I called to pay the {$6000.00} and wanted to make the payment via a telephone payment. I was told has an alternative to send them a check via email and they said I have to send the check snail mail. I advised XXXX that I did not have confidence in the postal service because I have ordered a new ATM card that has yet to be delivered. 

I was also told that I would have request that the funds be applied to repay the XXXX that I needed at the time. That's what I understood would happen if I wanted to pay it sooner. Not SO! 

As a result of this this is what is TRIGGERING THE BALLOON NONSENSENSE. OR THATS WHAT THEY SOLD THE CONSUMER! SWITCH AND BAIT! FRAUD!

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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Today XX/XX/2022 I called XXXX XXXX XXXX to pay the deferred amount that was required during the timeframe of my former husband who has subsequently died. I called to pay the {$6000.00} and wanted to make the payment via a telephone payment. I was told has an alternative to send them a check via email and they said I have to send the check snail mail. I advised XXXX that I did not have confidence in the postal service because I have ordered a new ATM card that has yet to be delivered. 

I was also told that I would have request that the funds be applied to repay the XXXX that I needed at the time. That's what I understood would happen if I wanted to pay it sooner. Not SO! 

As a result of this this is what is TRIGGERING THE BALLOON NONSENSENSE. OR THATS WHAT THEY SOLD THE CONSUMER! SWITCH AND BAIT! FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Today XX/XX/2022 I called XXXX XXXX XXXX to pay the deferred amount that was required during the timeframe of my former husband who has subsequently died. I called to pay the {$6000.00} and wanted to make the payment via a telephone payment. I was told has an alternative to send them a check via email and they said I have to send the check snail mail. I advised XXXX that I did not have confidence in the postal service because I have ordered a new ATM card that has yet to be delivered. 

I was also told that I would have request that the funds be applied to repay the XXXX that I needed at the time. That's what I understood would happen if I wanted to pay it sooner. Not SO! 

As a result of this this is what is TRIGGERING THE BALLOON NONSENSENSE. OR THATS WHAT THEY SOLD THE CONSUMER! SWITCH AND BAIT! FRAUD!

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 2022-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
XX/XX/XXXX a servicer bank filed a foreclosure on my home. I defended our home prose from XXXX XXXX to XXXX XXXX. Then XXXX XXXX XXXX. ( XXXX ) granted a covid forbearance, then XXXX offered a loan Mod. ( LM ). Three months trial XXXX XXXX, which I paid. March a LM  was sent along with a 4th " post-trial '' payment amt. I had several issues with the unilateral items in the LM, I detailed each item enclosed the 4th payment with my letter of concerns. XXXX, XXXX, XXXX, ratified payments were accepted. On XXXX XXXX XXXX  notified me they were transferring my loan to Mr. Cooper bank they wrote " everything will stay the same '' But it did not stay the same. Mr. Cooper refused my 7th payment of {$1500.00}, and increased my amount to {$160000.00}! To be sure this is an impossible amount for me to pay. After a decade of XXXX XXXX offering to make payments, being under the threat of being publicly evicted into the street, we finally were making regular payments ( albeit a few details to be worked out ) but we had completed the 3 trial payments, then we paid three ratified payments only to have our loan transferred, and payments refused. It should be noted this was a predatorial loan in XXXX XXXX also I was discharged of debt in XXXX. I am XXXX, XXXX and an XXXX XXXX XXXX XXXX XXXX XXXX. The bank recently said " you haven't paid in years '' but I TRIED many times, on the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I tried to pay off my Synchrony credit card in full and got a notification that the payment was accepted. Then later noticed autopay was still set, so I logged into my account out of curiosity. I found out the initial payment was returned. And the autopayment was declined. I saw the account had been closed, and there was never a notification or mail received to notify me. I called and was on the phone for an hour and a half. The reasoning for closing the account kept being changed. No solution was found, and they will not reopen the account. I called my debit card company, and they never had an issue with the account. And they confirmed that there was enough money to make the payments to the credit card. I need help due to never being given the chance to fix the problem. The credit card company placed my account in delinquency due to the payments not going through, and they are blaming my debit card bank. The account took the money, but returned it, both times. We have pictures as proof for sufficient funds. How can I fix this?

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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX continued to report late payments on this closed charge off account. They submitted documents in regards to my dispute yet failed to show me any monthly statements dated after XX/XX/XXXX that showed a past due amount and a due date. 

As a result of not providing any billing statements during the period after the loan payoff, this account can not be reported as late since they did not provide necessary documentation. They claim they sent e-mail correspondence and listed dates yet did not actually provide the emails. This proof is invalid as a result. 

I have attached the ONLY letter they sent to my co-borrower. Nothing on this letter shows a due date. Please also note the date of this letter. 3 months after the payoff, and also no statements in XXXX or XXXX for any amounts owed. 

XXXX XXXX has also failed to provide me my pay off disclosure, interest rate disclosure, and credit insurance. They also reported an inaccurate charge off amount of over {$6000.00} to the XXXX XXXX when they claim only {$1000.00} was owed in their response letter. 

Also, to farther add insult to injury, according to the IRS - a charge off is reported as income and income can not be reported on a person 's consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX continued to report late payments on this closed charge off account. They submitted documents in regards to my dispute yet failed to show me any monthly statements dated after XX/XX/XXXX that showed a past due amount and a due date. 

As a result of not providing any billing statements during the period after the loan payoff, this account can not be reported as late since they did not provide necessary documentation. They claim they sent e-mail correspondence and listed dates yet did not actually provide the emails. This proof is invalid as a result. 

I have attached the ONLY letter they sent to my co-borrower. Nothing on this letter shows a due date. Please also note the date of this letter. 3 months after the payoff, and also no statements in XXXX or XXXX for any amounts owed. 

XXXX XXXX has also failed to provide me my pay off disclosure, interest rate disclosure, and credit insurance. They also reported an inaccurate charge off amount of over {$6000.00} to the CRA 's when they claim only {$1000.00} was owed in their response letter. 

Also, to farther add insult to injury, according to the IRS - a charge off is reported as income and income can not be reported on a person 's consumer credit report.

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 2022-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I have a business and use Square to run credit cards. They have blocked my account and say its under reveiw and it would take 24 hours. But now its been 7 days and They will not release my money. There was a balance of {$5000.00} and sales this week of {$9000.00} that they wont release. All my auto debits are set to come out on Monday and my payroll for XXXX employees is in that batch of money. I dont know what to do please help me. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: MOHELA
State: OH

Complaint narrative:
I made a call to what I thought was my student loan lender of XXXX, it however ended up not being the true XXXX. The customer service provider attained my social security number and tried to " sell '' me a buy in to student loan forgiveness for {$3000.00} at this point I knew this wasn't the XXXX that I was trying to contact. I have reported to student loan services.gov. They advised me to report this experience here too. This company hacked my password and log in info to my federal student loans and reset my information. This happened on XX/XX/2022 at approximately XXXX. I have since reset and secured my student loan log in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: CITIBANK, N.A.
State: OH

Complaint narrative:
A balance transfer was inadvertently mailed to citbank that should have gone to another bank. The bin on the card belongs to citi but the card is not serviced by them. I have called repeatedly to try and get he funds returned back to the issuing bank or to the customer to no avail. The check was mailed on XX/XX/XXXX in the amount of {$2400.00}. The check was cashed on XX/XX/XXXX. I have a copy of the cleared item. I can even tell you what account it was credited to. Every time I call we are advised that someone will look into the matter and follow up. We have emailed, faxed and called. I have been calling in since XX/XX/XXXX. Each time customer service refuses to escalate the situation. 
XX/XX/XXXX XXXX XXXX provided case number XXXX stating XXXX would contact me within XXXX bus hours. 

XX/XX/XXXX XXXX XXXX advised he would contact me with a supervisor after holding to XXXX the call dropped XX/XX/XXXX XXXX XXXX escalated call to XXXX who told me to keep faxing never provided any fax number before ending the call. 
A fax was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX. Attention : XXXX XXXX I have also faxed the payment research numbers provided by customer service XXXX & XXXX. 
We have attempted to call XXXX and left voicemails at XXXX # XXXX. 
I have emailed XXXX. We have tried to resolve this payment issue. I just need the funds returned back to the sender.

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 monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I had my mortgage with XXXX since XXXX. In XXXX I lost my job as a XXXX. I asked XXXX to give me a short term loan to cover property taxes until I could sell a property I owned. They said no. Even though I was a long term good customer. I borrowed the money on line, Paid the taxes, but they raised my monthly payment and turned my loan over to Shellpoint, a collection agency. When I lost my job again in XXXX, I missed 5 payments. I notified them that I had sold the property and closed for cash on XX/XX/XXXX. When the check cleared. I sent Shellpoint {$10.00}, then {$10000.00} and another {$10000.00}. I calculated I owed {$2100.00} x 5 and {$100.00} x 5 for penalties plus the {$5200.00} for the first payment of taxes. I later paid the second payment of {$4200.00} myself. I have been trying to right my account. The last modification Shellpoint sent me was for {$2200.00} for 40 years. That would come to {$1.00} XXXX. Plus a prepayment of over {$24000.00}. Paying the previous payment would be {$380000.00} plus taxes about {$150000.00} total {$530000.00}. They have funds of mine on hold. Not in escrow, for over {$20000.00}. They refuse to release them and apply the money to my mortgage. They also have not sent me an IRS form so I can deduct the amount and file my taxes. They have threatened me twice with foreclosure even though I have paid over {$70000.00} and can prove it.they have reported to the credit bureau that I havent paid in 229 days when I have paid them 4 payments of as Shellpoint requested when XXXX contacted them earlier this year. I requested a written explanation of the extra amounts they are demanding. I also requested of XXXX XXXX that I be sent the IRS form 2 weeks ago and have received nothing. I am XXXX XXXX XXXX and on Social Security. I would like this resolved. I feel like they just want to take my house which is niw worth around {$490000.00} or more. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2020 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To let you know that I was a victim of identity theft, I am sending you this letter of complaint. I have discovered that several of the account listed on my credit report is not mine or was opened without my knowledge. To help me remove this item from my report, I am requesting your help. The credit bureaus are required by FCRA section 605b to delete or block any accounts mentioned on an identity theft report. I have provided some documents to help in the blocking of the inaccurate information that is being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$850.00}

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 non-monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/2022 I attempted to transfer money using XXXX through my checking account which I have with Ally bank. A pop-up notification said they could not complete the transaction and to call them. This led me to being completely locked out of my account because I did not answer one or more of XXXX authentication questions correctly, which I think they have incorrect. They then said the only way I could access my account was to send a photo of myself holding my drivers license next to my face, a bill with my name on it and a photo of a social security. I explained I lost my ss card over 30 years ago and they said they would not allow me access to my account without it and suggested I order a new one. ALL of my money is in this one account.

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