vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
Paid more then I owe, now they want to collect interest, Experience credit bureaus not doing their job, will not put your dispute in to the company, say call them yourself, why is experience ever still open if they dont take depute its more about how experience held deputes never send to the companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent out disputes to transUnion, XXXX  and XXXX  and they haven't replied in 30 days

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 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I tried to talk to a representative of the collection agency and they said that although I paid my collection amount through them, they refused to take the account off my credit report. When I pleaded with her to give me a valid reason for the refusal, she stated that they essentially just wanted to keep it on my record. The debt was for medical lab work for {$140.00}, which I paid in full. Is that right, can they just refuse to take my debt off my report? This happened about a month after I paid the collection agency, Eastern Account Systems, which was on XX/XX/2021.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I wrote to you requesting an investigation into some things my credit report that I believed were suspicious. I have yet to obtain a response from you or any indication that an investigation has started. My reasons for disputing the details were stated in my letter. I will re-enclosed it again and I'd appreciate it if you could respond within a fair amount of time in compliance to FCRA section 606 ( b ) that you must comply within 30 days upon receiving my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: SC

Complaint narrative:
I had an account with SELF FINANCIAL INC / XXXX that was Opened XXXX XXXX, XXXX that I had made 94 % of payments for this account on time. Upon rendering the account paid in full, it seems as it caused the account to reflect an Worst Payment Status 30-59 Days Late during the process of closing my account as paid in full. CLOSED XX/XX/XXXX OPENED XX/XX/XXXX ... .it shows Payment Due Date XX/XX/XXXX but there was an active Paid in full in progress to pay off the balance. XX/XX/XXXX Payment {$89.00} posted. If that was the case, when I inquired prior to the PIF, I was not made aware that a monthly payment should have been rendered prior to ensure there was a a late pymt rendered on my acct. I was rendered incorrect information by self lender agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a loan from the SBA on XX/XX/2021 for XXXX with an interest rate of 3.75 %. I was approved after meeting all requirements and sending all information requested. I used my capital one account ( even though I have others ) to fund the loan. Capital One immediately froze my account and told me they are closing all my checking and savings accounts and no longer doing business with me. But they have the audacity to keep open my 4 credit cards! That I will most definitely close once this is resolved. To be honest it made me feel like I did something wrong and I didnt like the feeling. After many calls to capital one they have basically told me to stop calling that it would not speed up the investigation. No details of why this is happening and no timeline, like this is the first time this has occurred.

Now going into the 3rd week no response from capital one and the loan incurring interest in said frozen account. Ive contacted SBA but they cant do anything until the funds are sent back. 
Its asking for documents but since I dont know capital ones issue with the funds I dont know what to upload

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: LA

Complaint narrative:
I have tried several times to reach this company to request a copy of my credit report, opt-out of credit offers place a security freeze on my consumer file. 
I have reached out by phone, fax and email

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: TX

Complaint narrative:
My credit score is amazing, i have 20 % Debt ratio, however DHI proceeded to search for reasons to deny my loan. They harrased my HR department and constantly asked them to verify that my letters of explanations were true. They were never satified with my letters and kept searching for a reason to increase my debt to income by taking into account minor details such as gas and meal expenses. DHI also stated my income was incredibly less than what i reported on the application. After they verified my income to be true, they proceeded to asked my HR provide a written letter explantion of my pay because they werent satisfied with the employment/income verification. They also stated the only way to make the loan more favorable to underwriting was to increase my down payment. I wanted to add a cosigner but i was discouraged to because " they can make it work '' without one. The loan was sent to underwriting 5 times, and 5 times it came back with more excuses. I was eventually told all this info is needed for the investors to buy the loan. Its one thing to ask for information, but its another to continually harass my company and ask if i was telling the truth. Why do they need more down payment if they didnt believe i make enough to pay the loan? Why is my loan already being set up to be sold to investors before being approved. The worst part was that i put my vacate Notice to my apartment 2 months prior, with all the time wasted By DHI, i had 2 weeks left in my apt and was going to be homeless soon. I had no choice but to cancel the loan and renew a lease. Didnt need the house if i have a lease. I spoke with a lawyer and they advised me i was prematurely denied, for no reason other than discrimination.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: PA

Complaint narrative:
Hello! Back in XX/XX/2020, I noticed that there was a collection account on my credit report. There was not only one, but two debt collection accounts from the same company. I myself do not know or understand anything about debt collections. But when I was on the XXXX credit bureau website. I went on and decided to dispute the debt collection company CMRE Financial Services INC on the website. XXXX  claimed that the debt was valid, but never sent me any evidence to support this claim. Being though I again, do not fully understand the whole thing about debt collection ; I went on and paid the debt collections, without any proof from XXXX or CMRE Financial Services INC. I have never even received an invoice or any documentation from the debt collector, about the accounts. My first contact with these accounts was when I looked at my credit report and seen these negative marks on the credit report. When I paid them off in XX/XX/2020. I started to receive multiple debt collection accounts from many different collectors. I knew now, that there must be some type of issues concerning my information. It wasn't until I received a letter stating that my Personal Health Information may have been exposed. I knew for sure, that all of these letters from various debt collectors were fraudulent. I have contacted CMRE Financial Sevices INC, to let them know that, the debt collections they issued me, was definitely fraudulent information. I know for sure, that I paid them under false pretenses. And that the debt they are saying belongs to me is simply not true. I sent multiple letters to XXXX  and CMRE Financial Services INC, by certified mail, asking them to reinvestigate the legitimacy of these debts owed to CMRE Financial Services INC. I'm a single mother and an essential worker for the USPS. All I ask is for CFPB to investigate CMRE Financial Services INC, and have them validate the debt that they are saying is mines. I have paid both debts in XX/XX/2020 in the amounts of {$700.00} and {$570.00}. I only ask for a refund and for the negative debt accounts to be deleted from the three credit bureaus. This saddens me, that people can put any type of information on consumer credit reports, without real physical proof of validation. This is something that needs to be changed and updated. I thank you, for taking the time to read my report and any info that you shall need from me will be provided. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent out disputes to XXXX, XXXX  and Equifax and they haven't replied in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$10000.00}, {$4500.00}, {$0.00}, {$10000.00}, {$22000.00}, {$0.00}, {$19000.00}, {$0.00}, {$35000.00}, {$13000.00}, {$12000.00}, {$25000.00}, {$23000.00}, {$19000.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

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

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

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

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

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


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

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$35000.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

13. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

14. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- COLLECTION ACCOUNT 15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: PA

Complaint narrative:
On XX/XX/XXXX a collection account was added to my credit report for {$620.00} and another was added on XX/XX/XXXX for {$450.00}. I have sent 3 rounds of validation request letters to Transunion on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As well as a written complaint on XX/XX/XXXX that both collection agencies had not provided me with proper proof of validation of the debts despite 2 written requests. Transunion responded to my letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each response letter consisted of a current copy of my credit report stating that these debts had been verified and validated. Transunion has yet to provide any proof of these claims. I never received a copy of an original contract with my signature on it and they haven't given any information as to who the spoke with during the investigations to validate that this debt belongs to me. Transunion is in violation of section 609 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 2021-03-24 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: SC

Complaint narrative:
XXXX XXXX information was not being processed correctly, i was advised last payment would post accordingly without causing a late fee. But that was not the case once the pymt was posted. causing my prefect pymt history to suffer a late fee. ALL ACCOUNT INFORMATION NOT BEING REPORTED CORRECTLY WITH ALL CREDIT AGENCIES. THE ACCT WAS AREEGED UPON TO BE DELETED UPON PIF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I unfortunately caught XXXX on XX/XX/XXXX, someone had my information from my edd card and used it at a XXXX XXXX  in XXXX XXXX and took out {$1000.00}. I was home in bed when I seen on the XXXX someone did this, I called Bank of America and my account is still frozen with the {$3300.00} I have in there. If you add the {$1000.00} someone took out I should have {$4300.00}. At this point I just want to remove what I have left because this type of fraud seems more and more frequent. I call at least once every 2 weeks and no one will help me, not the supervisor not anyone I really just want whats left my unemployment

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 2021-03-24 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: SC

Complaint narrative:
XXXX XXXX information was not being processed correctly, i was advised last payment would post accordingly without causing a late fee. But that was not the case once the pymt was posted. causing my prefect pymt history to suffer a late fee. ALL ACCOUNT INFORMATION NOT BEING REPORTED CORRECTLY WITH ALL CREDIT AGENCIES. THE ACCT WAS AREEGED UPON TO BE DELETED UPON PIF.

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 2021-03-24 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: SC

Complaint narrative:
XXXX XXXX information was not being processed correctly, i was advised last payment would post accordingly without causing a late fee. But that was not the case once the pymt was posted. causing my prefect pymt history to suffer a late fee. ALL ACCOUNT INFORMATION NOT BEING REPORTED CORRECTLY WITH ALL CREDIT AGENCIES. THE ACCT WAS AREEGED UPON TO BE DELETED UPON PIF.

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 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I purchased an international plane ticket using Citibank 's " Thank You '' points last year ( Trip ID XXXX ) travelling XX/XX/XXXX -XX/XX/XXXX from XXXX to XXXX. The flight was cancelled when the border to XXXX was closed. I received a travel certificate with XXXX XXXX good through XX/XX/XXXX ( later extended to XX/XX/XXXX ). When I tried to redeem this certificate a few weeks ago, I was told it was no longer valid, because the purchase had been refunded through the travel agent I used ( Thank You Points ). 

I contacted Citibank and the Thank You department and after speaking with multiple staff over several days was told that Citi had closed the Thank You points account because I was not using the credit card recently ( this is true ), and that because I didn't rebook within 60 days I lost the points. However, I had no knowledge that a refund was made or that there were any points in the account. 

I explained how this was a ticket I had earned, and I did not request it to be refunded, and I should still be able to take this flight that I had earned, and was told that the only way to have access to the points is if I opened another Citi credit card account ( my THIRD, # XXXX XXXX XXXX XXXX XXXX note : account was never used and is now closed due to deceptive promises Citi used to encourage me to open it ).

I applied and was accepted for this account, received the card in the mail, then when I called to have my Thank You points credited to my new account, after multiple transfers and talking to 7 different representatives was told that they can not do this and they are forfeiting my points that I earned for my international flight. 

See attachment for clearer summary and timeline. My Thank You member ID is XXXX XXXX XXXX XXXX. The flight was booked XX/XX/XXXX and a XXXX eCertificate issued in the amount of {$320.00} with an expiration XX/XX/XXXX ( eCredit XXXX ). On XX/XX/XXXX a refund was issued by XXXX to Thank You and Citi states that my account was closed on XX/XX/XXXX. In early XXXX, I attempted to use the XXXX eCertificate and discovered what had happened and attempted to retrieve my Thank You points.

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 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Syncapay, Inc
State: CA

Complaint narrative:
They buried information about the card expiring, putting it under a section in an email that says " If the link doesn't work ... '' then it lists reasons why ... one of which is it could expire. However, no one would read those steps to do if a link doesn't work ... .until the link doesn't work, at a point in time which the card has already expired. This is just a fraudulent vendor, trying to bury this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This credit card shows as closed on my XXXX report when it is an open account. The account does not appear on either of my XXXX and XXXX reports. This is not an accurate representation of my credit report as they are reporting the account incorrectly on my XXXX report and not reporting it at all on either my XXXX or XXXX reports. 

I have called the company and always talk to someone foreign who put me on hold and never address this issue.

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