vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-16 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: FL

Complaint narrative:
XXXX XXXX XXXX has once again added a negative remark to my credit report after removing it 3 times no w. I have filed complaint after complaint with CFPB regarding this matter with XXXX XXXX. XXXX will reply quickly, remove or update my credit report, and then it will arrive again on my credit report within a couple of months. My credit report now says " PAYMENT DEFERRED ''. This is a negative remark, and will affect my ability to secure future mortgage financing. I need this to be removed. I have proven over and over again that this remark is not accurate. XXXX has provided me numerous apology letters stating this information is not accurate, and then they remove it. I need this to be removed immediately because I am in the process of having a home built and trying to secure financing. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
My escrow has increased twice without explanation, and as far as I know my taxes and insurance have not changed. I have tried to contact LoanCare but their automated phone service does not give you the option to talk to a human, and they have not responded to the email I sent them. It is completely unacceptable to be charging me more without explanation, I have no way of knowing if the charges are legitimate, and no way to contact the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received a letter in the mail confirming the above account should not be on my credit reports, I am writing this to expedite the removal of the account due to the enormous amount of financial stress and burden this has caused. I have attached such evidence in the attachments. Please execute this in a timely fashion. Failure to comply is a violation of 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 2020-08-16 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: FL

Complaint narrative:
On XXXX XXXX Experian received a certified mail letter requesting investigation of a dispute of inaccurate account information with my XXXX XXXX account. I sent them account information from my credit report from all three credit reporting agencies showing that XXXX has reported vastly different info to all 3. The discrepancies range from inaccurate credit limit, high balance, date of last activity and date of last payment. Experian failed to verify this info. They also refuse to provide the method of verification as requested multiple times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery has repeatedly re-aged a debt that is over 10 years old to give the appearance of a new debt, which is clearly illegal. After disputing this debt through XXXX they have been unwilling to correct this mistake and remove this error from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
My name is XXXX XXXX, I have a barclay XXXX XXXX credit card ( acct XXXX ), and a bill of {$110.00} was due on XX/XX/XXXX. I used chase bill pay to pay in advance and the check was delivered to barclay on XX/XX/XXXX. however, the check was not processed immediately, and i checked regularly between XXXX to XX/XX/XXXX and it was not posted on the website. Because it was near the end of the day on XX/XX/XXXX and i still don't know if the payment will be processed, and i didn't want to get assessed a late fee and interest, i ended up paying a second payment of {$110.00} through barclay website and it went through. I then contacted XXXX to stop the first check since i have now made 2 payments. barclay ended up assessing a {$39.00} return payment fee when they finally process the first payment check. i've tried to contact barclay to see if they waive the fee given my situation, and they would not do it. i feel i'm getting penalized for something that's not my fault as a customer, i have the best interest to make sure barclay gets their payment on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: DE

Complaint narrative:
I had disputed some accounts on my credit report that were inaccurate on XX/XX/2020. Transunion and XXXX advised they did an investigation, however left innacurate items on my report. XXXX never responded. On XX/XX/2020, I requested their method of investigation, as I was not sure how these items could not have been possibly investigated and still on my credit report and I have yet to receive a response to their method of investigation for these items that they have deemed " verified ''. I understand the bureaus are having delays due to COVID, but the fact that they are down right ignoring my dispute request and also ignoring my request for their method of investigation is frustrating and unacceptable. Under the FCRA I have rights and they are continuously being violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: DE

Complaint narrative:
I had disputed some accounts on my credit report that were inaccurate on XX/XX/2020. XXXX and XXXX advised they did an investigation, however left innacurate items on my report. Equifax never responded. On XX/XX/2020, I requested their method of investigation, as I was not sure how these items could not have been possibly investigated and still on my credit report and I have yet to receive a response to their method of investigation for these items that they have deemed " verified ''. I understand the bureaus are having delays due to COVID, but the fact that they are down right ignoring my dispute request and also ignoring my request for their method of investigation is frustrating and unacceptable. Under the FCRA I have rights and they are continuously being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Credit Management, Inc
State: MS

Complaint narrative:
Sometime in 2016, I was involved in a vehicular accident. After about two days later, my XXXX  had a XXXX XXXX XXXX and my XXXX XXXX XXXX, my wife cautioned that I should get an XXXX  on my XXXX XXXX and XXXX. During this time, I was still going to work as usual. I had to research where would be a good medical institution to get XXXX, since most places would be closed when I get off from work. 

I looked up the cost for XXXX for XXXX XXXX XXXX at the XXXX XXXX hospital website : ( XXXX  - {$250.00} ) & XXXX ( {$350.00} ). After work I went to XXXX and explained to the Doctor on duty that I only have my car insurance and would like to know the cost before accepting any XXXX. She said that everything should be {$1.00}, XXXX and no more. I then agreed to sign the medical forms. I was given two XXXX, one to my XXXX and another to one of my XXXX. And was sent away after the Doctor said everything looks good. My car insurance at the time - XXXX XXXX, paid XXXX {$5000.00} which was the maximum medical payout on the car insurance. To my surprise, they sent me a bill for some XXXX XXXX XXXX  more to be paid. I wrote them a letter concerning all those made up charges on my bill. Now they have on my Credit Report that I owed some {$340.00}. I am disputing this as fraud since the bill had been paid by my car insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Received a phone call back in XX/XX/XXXX regarding a past due debt to XXXX. They last time I had XXXX cable was in XX/XX/XXXX in a rental home in XXXX, FL. I turned in the equipment in person at the XXXX, FL office. Cable services are billed a month in advance. I did not have a balance due when I returned the equipment. 

My phone number had been the same that this so called collection agency contacts me at claiming I owe a bill and I need to make a payment. I pay my bills and everyone knows cable bills get billed a month in advance. I turned in the equipment at my local office and provided a forwarding address. 

I hear nothing for in almost 2 years, from XX/XX/XXXX until XX/XX/XXXX ... this would make any question the call ... .they 're demanding payment. So I rightfully request a bill be sent to me so I can even see if this is something that is even owed. I receive nothing in the mail and then it appears on my credit report. I took their call, I politely requested a bill and one was not sent and then within days a collection shows on my Credit report. This is equal to a hostile move and highly unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: U.S. BANCORP
State: VA

Complaint narrative:
On XX/XX/XXXX, I made a first mortgage payment to US Bank from my checking account. In error the payment was sent to my US Bank home equity line account. I made several calls to US Bank to inquire why my XXXX payment was not applied to my first mortgage. After weeks of research no one from US Bank could locate the payment. On XX/XX/XXXX I looked at my Home Equity Line account and saw that my first mortgage payment had been applied to the HELOC. I brought my account current with my own funds on XX/XX/XXXX while I have to wait weeks for this payment to be reversed and a check to be sent back. This is an additional {$3500.00} I am out of pocket due to the misapplication error. During this research time, US Bank reported a 30 day delinquency on my first mortgage and now my credit score has dropped by over 60 points. I have tried to US Bank to reverse this negative reporting but they have said they can't help me. I have never missed a payment on my first mortgage or my HELOC or ever been late on this mortgage which I have had for 5 years. I have had mortgages since XXXX and never been late on any payment. 

Included my bank statement showing my XXXX Payment to US Bank that was applied to HELOC and not my first mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: MS SERVICES LLC
State: TX

Complaint narrative:
Due to Clovid-19, we are having difficulty paying our mortgage. I called our loan company, XXXX to refinance. I was advised on both my husband & I need to get some debts taken care of. I can't pay the debts as I'm having difficulty paying my mortgage. A loan processor @ XXXX said if I get a letter from the credit company 's saying " If I pay debt in full, it will be taken off my credit report. XXXX XXXX on my husbands credit report sent me a letter saying this. My debt company M.S. Services, L.L.C. will not give me such letter as they say, " due to their contract with XXXX XXXX XXXX XXXX, it will stay on my credit report as PAID IN FULL ''. My debt was {$150.00} and I paid it in full on XXXX XXXX. They still will not give me such letter. I have called M.S. Services MANY time and have asked for a supervisor. They have been in meetings and have NEVER returned my call. I called the bank where I was delinquent and was transferred to many departments and on hold ALL morning. I have asked for their collections dept. and no one can find any debt sent out. I asked for manager and had to leave message. NO return calls.

Please please please help me remove this debt from my credit report.

Thank you I can not refinance my AmeriHome loan because I need a letter from M. S. Services, L.L.C. saying " If I pay this debt in full it will, it will NOT be reported to the credit company 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I have a loan with SANTANDER CONSUMER USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and SANTANDER CONSUMER USA with no successful resolution. XXXX and XXXX are only reporting me late. There was definitely an error on their part. I was never 60 days late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: MO

Complaint narrative:
I just started getting thousands of dollars showing up on my credit report out of nowhere. I never went to college I never borrowed any money to go to school! I am disabled so even if I did take out any loans they would've been forgiven already because I've been on XXXX since 2010. I don't know who's loans these are but if they're not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I did an online balance transfer for {$3900.00} with a zero percent promotional interest rate which posted to my account on XX/XX/XXXX. I received an email confirmation that the balance transfer was initiated, but it had no details about the transaction. Nowhere in my online account with the company and nowhere on my statements was there any information regarding the terms of the balance transfer, so I lost track of how long the zero percent interest rate was valid for. I believed the term was 18 months, which matched the paper offers I had been getting in the mail. On my XX/XX/XXXX statement, I was charged {$67.00} interest on a balance of {$4800.00}. 

I called the company and spoke with a customer service person, who was unable to assist and passed me on to a supervisor. He researched their system and advised me that at the time of XX/XX/XXXX, the promotional interest rate offers were only good for a 12 month period. This should have triggered interest to start accruing on my XX/XX/XXXX statement. He could not offer an explanation of why there was a 2-month delay for the interest to begin.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
ON XX/XX/XXXX I HAD MADE AN ONLINE PURCHASE TO SAK 'S OFF FIFTH AVENUE. 
I WAS CHARGED TO MY SAK 'S CREDIT CARD TWICE, ONCE ON XX/XX/XXXX, THEN AGAIN ON XXXX XXXX. I HAVE TRIED NUMEROUS TIMES, & SPENT OVER 15 HRS. OF MY TIME TRYING TO HAVE THE ISSUE RESOLVED TO NO AVAIL. EVERY TIME I CALL CUSTOMER SERVICE I HAVE OVER AN HOUR WAIT TO GET TO SPEAK WITH A REPRESENTATIVE, I HAVE BEEN DISCONNECTED NUMEROUS TIMES. 
CUSTOMER SERVICE HAS TOLD ME THE ISSUE HAS BEEN RESOLVED OR THE ISSUE WILL BE RESOLVED IN 3-5 BUSINESS DAYS. THE ISSUE HAS NEVER BEEN RESOLVED. 
EVERY TIME I HAD ASKED TO SPEAK WITH A SUPERVISOR ONE WAS NEVER AVAILABLE, EXCEPT FOR THIS LAST TIME. 
THE SUPERVISOR IS XXXX # XXXX WHOM I FINALLY GOT TO SPEAK TO ON XX/XX/XXXX @ XXXX ; XXXX. 

XXXX PROVIDED HIS PERSONAL EMAIL ADDRESS ( XXXXXXXX XXXX XXXXXXXX ),  AND ASSURED ME THE ISSUE WOULD BE REOLVED WITHIN 72 HRS., AND HE WOULD BE SENDING ME A {$10.00} GIFT CARD FOR MY TROUBLES WHICH I NEVER RECEIVED. I HAVE ALSO EMAILED DIRECTOR OF CUSTOMER SERVICE, & THE PRESIDENT OF SAKS TRYING TO GET THIS MATTER CORRECTED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-16 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$1300.00}, {$0.00}, {$1400.00}, {$0.00}, {$1800.00}, {$1300.00}, {$2700.00}, {$2600.00}, {$0.00}, {$22000.00}, {$0.00}, {$19000.00}, {$790.00}, {$30000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- PERSONAL ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

11. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$790.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my 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 explanation
Consumer complaint received 2020-08-16 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I requested from CAPITAL ONE a statement or the letter of approval from the year XX/XX/XXXX THE ORIGINAL DATE these credit card were OPENED AND NOT SOLD. 

AGAIN, I do not need a confirmation of when the account was sold to XXXX XXXX IN XX/XX/XXXX. 


I NEED from Capital One WHEN THIS ACCOUNT WAS ORIGINALLY OPENED!!!!!!!! 


APPARENTLY, THE WANT TO IGNORE MY ORIGINAL REQUEST OR SWITCH AND BAIT. 
AGAIN CAPITAL ONE I NEED A RECORD OF MY ORIGINAL STATEMENT OR THE LETTER OF APPROVAL FROM XX/XX/XXXX/XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
A delinquent account from Consumer Adjustment Co in the amount of {$570.00} appeared on my XXXX credit report on XX/XX/2020. I had received absolutely no correspondence regarding this debt from the company and have sent them a letter stating such. 

I had absolutely no knowledge of this debt and had received absolutely no correspondence until it appeared on my credit report. 

I have sent letters to the company but they have been unanswered. 

The company is Consumer Adjustment Co XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation