vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
( # 1 ) On XX/XX/2020, i sent a document stating that i have flood insurance through my insurance company XXXX XXXX XXXX. Mr Cooper continues to charge me in escrow stating that i don't have the required insurance even though i showed proof with policy number and contact number of my insurance agent. 

( # 2 ) On XX/XX/2020, i asked to pay down my home loan to a manageable amount. Mr Cooper refuses to allow me to pay into my principle amount since they make money off interests. 

Contacted MrCooper by phone and sent numerous emails through their portal system numerous times as well as asked for help on their social media platform. 

Although they stated that they would help, i have yet to hear from them besides the usual verbiage of customer outreach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: Zip Co US Inc.
State: CA

Complaint narrative:
The company is named Quadpay and it allows you to purchase items and make installment payments which it takes from my credit card on file. I opened a Quadpay account and set up a maximum purchase balance of {$200.00} dollars. Quadpay breaks up the balance into 4 payments of which the first installment is made immediatley. Thus, {$50.00} dollars was withdrawn from my credit card associated with the Quadpay account. I only spent {$42.00} dollars of the {$200.00} and have been attempting to get get Quadpay to refund my {$8.00} dollars and stop charging me any further installment payements. They are impossible to reach as I have sent them numerous emails and opened a fraud case with them. I only receive stock responses back and I can't respond to them. I just received a notice that they are going to be taking another {$50.00} dollars from my credit card. Again, I have attempted to get them to stop charging me for money I have not spent. I am left to file a complaint with the CFPB. Quadpay is an XXXX company under. There is no customer service number to contact a human being. Please help! I have found other indviduals that have been abused by this company. I have left two reviews on XXXX warning others of this fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: GA

Complaint narrative:
I received a job offer on XX/XX/XXXX with company XXXX on hired a background check company to run a background check Company is Sterling. 
XXXX moved me to the next stage and I attended a XXXX  on XX/XX/XXXX congratulations on new job telling me start date is XX/XX/XXXX. 
On XX/XX/XXXX I received an email from XXXX saying offer is withdrawn due to background check. I called Sterling and was told by the employee on XX/XX/XXXX XXXX ordered a 7 year criminal report sex offender report and drug test. I was told XXXX had a plan that was for only 7 years. Sterling reported info past 7 years which caused the employer to withdraw the job offer that I accepted. I called Sterling again on XX/XX/XXXX I was told by another employee. I can not dispute the report. Sterling not the employer notified me of adverse action. I was notified by an email my job offer was no longer available.

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 2020-12-08 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: DISCOVER BANK
State: SC

Complaint narrative:
Discover Financial Services XXXX This account was opened XX/XX/2019 and removed from my credit files XX/XX/2019. I have not had any issues with XXXX or XXXX. Discover Financial Services reinserted this account back to my XXXX  credit file without verifying that I owe anything. Neither Discover Financial Services nor XXXX  have provided documents proving I granted Discover Financial Services permission to post to my credit profile. XXXX  did not offer any explanation of how Discover Financial Services was verified. 
Discover Financial Services continuously violates 15 USC sections 1692 A E and XXXX allows it. Discover Financial Services refuses to provide contracts with my signature proving I agreed to do business with Discover Financial Services. It is unfair as a consumer that I have to endure unfair credit reporting practices from Discover Financial Services and XXXX. This account was charged off 7 times. 
XXXX has continued to ignore my requests to remove this account and stated in writing that unless I send in relevant information they will not investigate my dispute yet XXXX  has not shared information with me on how Discover Financial Services was able to prove I owe anything. I feel helpless because these companies are allowed to treat us however they want and are allowed to get away with it. 
I even read in the Fair Credit Reporting Acts that once an account is removed it can not be reinserted to a consumers credit profile. How are these companies allowed to get away with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: CA

Complaint narrative:
Experian and XXXX  are still showing incorrect information. It shows that Chapter XXXX bankruptcy discharged that was original date filed/reported was XX/XX/XXXX Reference # : XXXX That was discharged and satisficed by the courts years ago!! And should have been removed I was educated on by the courts would fall off after being discharged. After starting a business with a bad partnership failed I was left caring more debt then I could handle and was recommended by my lawyers to file. I tried my best to stay afloat as long as I could but unfortunately couldn't keep up and had no other choices to file bankruptcy but at this point I've done nothing but positive things with my credit and bank relationships and even have an boosted my XXXX score with XXXX  because they have complied and removed the BK earlier this year when they should have and were supposed too. It's been discharged and satisficed by the courts since XX/XX/XXXX. This needs to be updated and removed from Experian and XXXX  as soon as possible to start reporting accuracy and not outdated false information.

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 2020-12-08 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: VA

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 50 days since I sent my letter and I have yet to receive a response. I feel like I my disputes are being ignored and I am being taken advantage of. It is stated in secton 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. It has been over 50 days so they should be deleted at once. I demand these accounts be deleted immediately or I will have to file for litigation. This situation has caused stress and has negatively affected my living situation. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Someone other than the account-holder with a TD Checking Account has been transferring large amounts of funds to a trading app named XXXX. It totals {$240000.00}. TD is not being very cooperative. An investigation needs to be opened to unmask these on-line fraudulent transactions ASAP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08 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: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
On XX/XX/2020 I bought 4 bras under a buy one get one free promotion. I received a total of 8 bras eventually. However, only 3 of these 8 bras were the style I ordered. I decided to return the 5 bras that were not the style I wanted or ordered. The order for the 3 bras was {$40.00}, {$40.00} and {$28.00} for a total of {$100.00}. 

I have been paying {$35.00} on the bill since XX/XX/2020 XXXX for 4 months ) 4x {$35.00} = {$140.00}.

Comenity, however, claims I still owe them {$69.00}. According to them, they gave me a {$36.00} credit on XX/XX/2020, but this does not correspond with the original order. Then on XX/XX/2020 they charged me a late fee of {$35.00}. I asked them to remove this late fee. 

This does not make sense. I have three bras, one should have been free, and I should have been only charged for 2 at the price of {$40.00} each for a total of {$81.00}. Instead, I've been paying {$35.00} a month for the last 4 months which totals {$140.00}, and they are still claiming I owe them {$69.00}.

They owe me {$58.00} and my other free bra per the promotion. 

When I talked with Customer service many times, they said I sent in all 5 bras have been accounted. 

Comenity is over charging me, and I don't understand why. 

My frequent communications with XXXX/Comenity have not resolved this issue. 

I'm attaching 3 documents 1 ) original credit card order 2 ) my first letter to XXXX 's 3 ) XXXX 's response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Guglielmo and Associates
State: NV

Complaint narrative:
Guglielmo & Associates company sent me a letter in XX/XX/2020 stating that I needed to submit a request for validation within 30 days of receiving the letter. Request for validation of the debt was sent to Guglielmo & Associates and XXXX XXXX on XX/XX/2020 and a response was never received. On XX/XX/2020 a summons was left in my driveway stating that I was being sued by the company and the date that the lawsuit was filed on XX/XX/2020 which was 40 days AFTER my validation request was sent however no response was provided which violates my FDCPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: NJ

Complaint narrative:
I HAVE HAD A CHNACE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2020-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Around XX/XX/2020, after doing an annual credit report pull. I noticed there were fraudulent accounts reporting on to my credit report. we have attempted to contact all parties. A few of these accounts were removed fromXX/XX/XXXXand XX/XX/XXXX however have not been removed from XX/XX/XXXX. the other accounts has been contacted multiple times by us to request information for these fraudulent accounts. we have filled out the required identity theft information, however they continue to report the fraudulent account to all 3 credit bureaus are accurate and refuse to give us information proofing this fact. Now they have stopped responding to our emails completely even after speaking with multiple supervisors. This is honestly beyond ridiculous and violates our rights under the FCRA laws. We do not know what to do anymore because we have attempted so many times to handle this issue and these companies including the bureaus are not following FCRA laws that should protect us from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit score has been penalized by minus ten points for no fault or any choice made of my own but for the unfair practices and scoring model of TransUnion. 

Financial institutions often sell mortgages and loans to other Financial Institutions and then close the accounts without the consumer having any saying or any choice in the process. My mortgage first originated in 2002, the oldest record from a financial institution that showed in my record that was sold to another mortgage company years ago has now expired and erased from my credit history because of that TransUnion punish me with 10 points deduction despite that I have been paying every bill on time and that I have been working hard at trying to increase my credit score over the last several years, yet I keep being push back by the UNFAIR scoring model of TransUnion. I demand that TransUnion ( and all three credit score bureaus ) make the proper adjustments to stop punishing the credit scores for reasons that are not the fault, or that are not a direct choice or action taken by the consumers. 

How is it a fair reporting of a consumer credit history to be punished for reasons well beyond the control of the consumer?

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 2020-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My complaint is about 2 credit bureaus, Transunion and XXXX and the continuous reporting of unverifiable Public Record : Bankruptcy and unauthorized auto inquires : Since XX/XX/2019, I have written 10 certified letters to Transunion and 3 certified letters to XXXX requesting the deletion of the unauthorized auto inquiries and method of verification of the Public Record. To date, I have not received a method of verification as requested the name, title, address, and telephone number of the person at the courthouse who verified this information per the FCRA. 
XX/XX/2019, I received a letter from Transunion in the mail acknowledging my credit freeze was added to my file. Shortly thereafter in the month of XX/XX/2019, I received a post card in the mail from Transunion stating my fraud alert has been added to my file - - - see attached XX/XX/2019, I received a letter in the mail from the US Bankruptcy Court of MD stating the US Bankruptcy Court of MD is not responsible for verifying and validating information from consumer credit files. I have sent this letter multiple times to Transunion and XXXX on the dates after XX/XX/2019. - - see attached XX/XX/2019, XXXX sent me a letter stating to date they have not received a response from TransUnion, XXXX, or XXXX  regarding this matter. 
Despite my multiple submissions of my courthouse letter and my multiple submission requesting my proof of any submitted credit applications with my wet signature - - these request to date have gone unresolved.

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 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased a trip with XXXX  company to travel to XXXX in the amount of {$2200.00} back in XXXX of XXXX. The travel time was in XX/XX/XXXX which the pandemic just started. I called my credit card company to dispute the charge because I can not travel outside of USA at that time. However, XXXX challenged back to my credit card company and I lose the dispute and was charged the full amount, with the promised from XXXX  to give me a credit to travel up until the end of XXXX. The credit card company then charged me the amount of {$2200.00} back in XX/XX/XXXX saying that I lose the case. However, XXXX  recently emailed me stating that they are out of business, and told me to claim my refund via my credit card company. This has been about a month now, I send all the email that I received from XXXX  stating that they are out of business and would like them to re-open the dispute charges. According to the credit card company rules, they can not re-open the charge because they already did it once and lose it to XXXX. XXXX  emailed me back to say that I now have to file a claim saying that they can no longer provide any more service and it is under " services not rendered ''. please get back to me asap regarding this claim. I have all the document from XXXX. I can provide all the document via email as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I bought a new refrigerator in XXXX for {$1400.00}. I paid the card off in less than 4 months : {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$240.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX. In XXXX I received a bill saying my last payment was late. I submitted the payment on time and it is sent electronically but apparantly it took an extra day for some unknown reason. Because of that they charged me a late fee. I called and spoke with a representative and then a supervisor and neither would eliminate the late fee. I have never been later before, I always pay my bills on time and I always try to pay off my bills as quick as possible. I tried to explain that I made an {$800.00} payment to bring my balance to XXXX. I tried everything and they still refused to reverse the fee so I closed the account and told them I would not be paying the fee. 
They just sent me another statement and now they are charging me more fees. I have a XXXX balance but now they have charged me more late fees and interest and now are saying I owe {$99.00}.

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 2020-12-08 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: FL

Complaint narrative:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. 
after number of request by me Experian it the only bureaus that had not block or remove any of those 3 account that had been open by identity theft. and not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act, I had a furnisher of information to a consumer reporting agency all bureaus and Experian it the only one that had violates the FCRA, I will beginning file sue in state or federal court again experian.

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 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Out of retaliation for previous complaints Experian has BLOCKED me from filing a dispute online. Further, any time I call Experian I am on long extensive holds at all hours of the day, greeted by incredibly rude representatives who refuse to answer a very simple question ; Why am I blocked from placing a online dispute. 
Experian has a file on me they received from stealing information with their website which does not inform consumers of the information they are exposing by using the Experian website. I am requesting the complete unredacted file Experian has collected on me.

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