vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-04 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: LEXISNEXIS
State: MS

Complaint narrative:
XXXX and Lexis Nexis is reporting a bankruptcy on my credit report. XXXX  claims to have verified this information through Lexis Nexis. According to the FCRA, It is a violation to use a third party agency information. Furthermore, I have a certified letter from the BANKRUPTCY court saying they do not Furnisher this information to XXXX   or Lexis Nexis. XXXX  is also reporting inconsistent and inaccurate information about this account on my credit report such as open date, reference number, the name of the court and the closing date, and if this information is coming from Lexis Nexis that means their information is inconsistent and inaccurate as well. Lexis Nexis and  XXXX  are both unable to verify this information with the ORIGINAL CREDITOR. SO what is their METHOD OF VERIFICATION if the ORIGINAL CREDITOR stated they do NOT gove out this information, and why are they reporting inaccurate and inconsistent information on my credit report. I am prepared to file a complaint with my state attorney general, and contact a layer to seek damages from both companies on behalf of the damages they are causing to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: MS

Complaint narrative:
XXXX  and XXXX XXXX is reporting a bankruptcy on my credit report. XXXX   claims to have verified this information through XXXX XXXX. According to the FCRA, It is a violation to use a third party agency information. Furthermore, I have a certified letter from the BANKRUPTCY court saying they do not Furnisher this information to XXXX  or XXXX XXXX. XXXX  is also reporting inconsistent and inaccurate information about this account on my credit report such as open date, reference number, the name of the court and the closing date, and if this information is coming from XXXX XXXX that means their information is inconsistent and inaccurate as well. XXXX XXXX and XXXX  are both unable to verify this information with the ORIGINAL CREDITOR.  SO what is their METHOD OF VERIFICATION if the ORIGINAL CREDITOR stated they do NOT gove out this information, and why are they reporting inaccurate and inconsistent information on my credit report. I am prepared to file a complaint with my state attorney general, and contact a layer to seek damages from both companies on behalf of the damages they are causing to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: MS

Complaint narrative:
Experian and XXXX XXXX is reporting a bankruptcy on my credit report. Experian claims to have verified this information through XXXX XXXX. According to the FCRA, It is a violation to use a third party agency information. Furthermore, I have a certified letter from the BANKRUPTCY court saying they do not Furnisher this information to Experian or XXXX XXXX. Experian is also reporting inconsistent and inaccurate information about this account on my credit report such as open date, reference number, the name of the court and the closing date, and if this information is coming from XXXX XXXX that means their information is inconsistent and inaccurate as well. XXXX XXXX and Experian are both unable to verify this information with the ORIGINAL CREDITOR. SO what is their METHOD OF VERIFICATION if the ORIGINAL CREDITOR stated they do NOT gove out this information, and why are they reporting inaccurate and inconsistent information on my credit report. I am prepared to file a complaint with my state attorney general, and contact a layer to seek damages from both companies on behalf of the damages they are causing to my 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 2020-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
A overseas company XXXX  is charging me for airline tickets which were booked by them for wrong date of travel, we were assured by the travel agency company that it will be corrected, it was 3 months in advance booked. 
Booked airline tickets for 5 passengers to XXXX on XX/XX/2019 through XXXX XXXX  website. With date of departure XX/XX/2019 and return XX/XX/2019 for a total charge of {$1300.00}. Paid through Capital one credit card. 
Received confirmation email for reservation on XX/XX/XXXX but the dates of the itinerary were wrong it showed date of departure XX/XX/XXXX and return XX/XX/XXXX, which was totally wrong as the vacation was the thanks giving break. 
Immediately called XXXX XXXX  and notified them of the wrong dates. 
Representative apologized and said they had problem with their website and they will fix it to the correct dates. 
A form from XXXX was emailed to me which I filled and submitted, this was on XXXX 2019. 
XXXX XXXX  kept on stalling me and I was not getting anywhere close to where they were correcting the dates. 
I on XX/XX/2019 called capital one and advised them of the problem and my account was credited back. 
I called XXXX and advised them that I have called my credit card and advised them of my issue with XXXX XXXX  and have stopped the payment on this itinerary, but am willing to work with XXXX  if they correct the dates. The representative at XXXX said as I had disputed the amount and XXXX had returned the money to capital one they could not help me. 
I booked my tickets with another company and when I came back from my vacation i saw capital one had recharged my card. 
I am going back and forth with capital one, being put on hold for long period of time recent one was 1 hour and 38 minutes. 
Every time i am advised some one is going to call me back from the escalation team but no one has called me back. 
I am very frustrated and feel helpless it seems to me that Capital one is betting on that so I give up. 
I request your intervention and help me please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Collections on behalf of XXXX XXXX XXXX - {$1400.00} ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On XX/XX/18 I was to move into XXXX XXXX Apartments. I moved in after-hours on Friday, XX/XX/18. When I entered the apartment, there was a strong foul smell of mold. The apartment was not clean and I was concerned about the shabby construction ( particle board cabinets, kitchen/bathroom counters, and closet walls, and a craft spray-on paint for counter surfaces ; also, visible mold and a water leak under the kitchen sink ). On XX/XX/18, I spoke with on-site assistant manager XXXX XXXX to tell her that the condition of the apartment was not acceptable and that I did not intend to stay. The apartment was completely different from the model I had been shown. She did not offer me options. I stayed a few more days, but the mold smell gave me migraine headaches. On XX/XX/18, I verbally informed Ms. XXXX I would be vacating before the end of my first month. She said I'd need to speak with the Property Manager, who was away on vacation. On XX/XX/18, I met with Property Manager XXXX XXXX and told her I would be vacating before the end of the month ( XX/XX/18 ) primarily due to the hazardous condition of the apartment - a bait & switch, but also due to having lost my job in a workforce reduction lay-off. I paid {$660.00} XXXX on XX/XX/18 ) for first month 's pro-rated rent and utility deposit, and {$250.00} rent deposit ( on XX/XX/18 ). Per my conversation with Ms. XXXX, I cleaned and vacated the apartment on XX/XX/18. On XX/XX/18, I emailed Ms. XXXX to inform that keys were being mailed back, utilities already shut off, and I attached both my Move-In Inspection Report and photos of the poor condition of the apartment. I sent keys via Certified Mail on XX/XX/18. I did not hear from XXXX XXXX XXXX until a " Notice Of Intention To Impose Claim On Security Deposit '' arrived XXXX dated XX/XX/18 ). The letter stated they were keeping my full deposit and subtracting it from a bill for {$1700.00}, leaving me a balance to be paid of {$1400.00}. I could not and did not pay this sum. This matter has been turned over to a collection agency, derogatory marks have been placed on my credit reports, and solely due to this action, my credit score is declining. I will not be able to purchase a home and can be denied employment for this action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
So on XX/XX/2020 I got my prepaid card in the mail. When I went to activate the card it would not work. It was telling me I was putting invalid information but I am putting everything in correct.

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 2020-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wellfargo charged me monthly maintenance fee. I deposited {$340.00} on XX/XX/2020 @ XXXX via XXXX before the withdrawal {$340.00} on XX/XX/2020 @ XXXX via ATM, but Wellsfargo posted the transactions on two different days and reversed! The ATM withdrawal is on XX/XX/2020 ( same day which is impossible! ) and XXXX deposit on XX/XX/2020. Then, they charged me for monthly maintenance fee. 

Also, I contacted them 3 days ago and they haven't replied anything yet. I have all the documents to prove these incidents.

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 2020-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: DE

Complaint narrative:
We wife and I are experiencing financial hardship as a direct result of the COVID-19 national emergency. I reached out to Freedom Mortgage, who services my loan, and requested 180 days of forbearance in accordance with the CARES act signed into law last Friday. They informed me of the following : -90 days was the maximum period allowed. 
-I would be reported as delinquent. 
-I must submit a 6 page document outlining my complete financial situation to be eligible. 
-My verbal attestation of a financial hardship was not sufficient. 
-The ONLY repayment option is a lump sum payment after the forbearance period has concluded. 
-Adding the payments to the end of the loan was impossible without performing a " Loan Modification '' which would adversely affect my credit. 
-After going through all of this and asking to escalate to someone higher up who could answer my questions, I was conveniently hung up on, with no other recourse except to enter into the phone wait system again which was well over an hour long at that point.

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 2020-04-04 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I booked a hotel with Chase Sapphire Rewards using points for one night on XX/XX/2020 in XXXX XXXX. It was XXXX points ( equivalent to {$160.00} ). The reservation was originally listed as " nonrefundable ''. 

Here is the reservation information : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Al, XXXX XXXX XXXX Reservation dates : XX/XX/2020 - XX/XX/2020 Itinerary # : XXXX When my trip was approaching, I could not travel out of the country due to COVID-19 and XXXX put out a policy saying that it would refund all reservations during this time, even nonrefundable ones. 

On XX/XX/XXXX, I called Chase Sapphire Reserves to cancel the reservation - they put me on hold and called the hotel. They came back on and told me that they couldn't cancel the reservation and refund the points until the hotel cancelled it on their end and agreed to refund it. They told me that I needed to email the XXXX XXXX hotel and request this. I called and emailed this hotel multiple times - there was a significant language barrier as you will see in the attached email correspondence. They kept telling me that I booked this through XXXX and paid in cash, which is not true. I finally got them to tell me on the phone that they had never received any money for the reservation, and they would honor the cancellation. 

I have called Chase Rewards back 3 times since then, each phone call taking almost an hour with wait times - every time I got through the same process of them calling the hotel, then them telling me to email the hotel. I explain that I have already done this and that they just need to refund the points at this point. Twice now, the agent has said that they are filing a request with the hotel and then once the hotel confirms their cancellation policy, they will refund the points. The trips dates have now come and gone and still now refund - now I can't even reach an agent with Chase Rewards because my trip isn't within the next 72 hours. 

I want either a credit in points or dollars for what I am owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have paid my bills on time or owe nothing on them but my credit score was lowered to XXXX and my account was closed. I never had a loan and I have very few inquires in less it was made by the same company synchrony. It all started during the coronavirus 19 when they did a mass account close of my accounts within less than 2 weeks. I have gotten letters for everyday almost. My score was higher than XXXX. So this will effect me during this time if I need a used car to care for my family if they need to go to the doctor or go to get food. This is not right and I plan to post this on XXXX.

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 2020-04-04 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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 have tried to dispute 2 accounts that do not belong to me with Experian. They have refused to remove these fraudulent accounts to no avail. They are in 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 2020-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I called for an ambulance from City  of XXXX - XXXX ( XXXX ). The XXXX-XXXX  sent me an invoice # XXXX in the mail. I sent an email on XX/XX/XXXX advising them to file claim with my insurance company XXXX XXXX XXXX. But they failed to file within 45 days for paper claim ( non-electronic claims ). They ( XXXX ) UNJUSTLY and UNFAIRLY forwarded their invoice for COLLECTION to National Recovery Agency ( NRA  ). I sent a letter on XX/XX/XXXX to NRA  letting them to know that XXXX  was supposed to file the claim with my insurance company but they failed. The NRA  put this collection item on my Credit file without listening to me, reviewing the case or offering any amount for settlement BECAUSE I AM AN XXXX and XXXX! 
I would greatly appreciate your involvement in this case to ask NRA  to remove the collection item IMMEDIATELY and apologize me for this UNJST and UNFAIR practice. 
Thanking you in anticipation.

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 2020-04-04 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: GA

Complaint narrative:
The following accounts need to be removed and blocked immediately due to fraud and identity theft : 1. XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX XXXX Account # : XXXX

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 2020-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX in XXXX, XXXXIn the morning of XXXX XXXX I received an email regarding a remittance to XXXX XXXX XXXX XXXX in the amount of {$400.00} to a XXXX account in the XXXX ending in XXXX but I don't know the person and I never did the transaction and haven't send money since XXXX so I went to my remitly account and saw there is really a transaction so I called remitly but there phone service is not working due to covid 19.when I check my remitly account I saw another transaction so I tried to cancel it but I can't so I deleted all the cards aasociated with my account and called my bank which is XXXX XXXX  to hold any transaction which they did but there were already 4 transaction on my remitly account in the amount of {$400.00} dollars plus the charge of {$3.00} and {$1000.00} then {$800.00} and {$750.00} with charges of {$3.00} each except the {$1000.00} which is free.i went to the chat of remitly as that's the only way I can communicate with them and told them to cancel the said transaction but they can't do it as well on their side and told them to email XXXX  in the XXXX  regarding this unauthorized transaction and they said I have to wait for 10 to 15 days but with no assurance.i went to my bank and they said they cant do anything as the transaction is still pending but was able to dispute it and I have to wait for 10-15 days as well.thats my hard earned savings that was taken without my knowledge and with ongoing crisis I'm not sure if I can pay my bills and support my family.please look into this matter.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: FL

Complaint narrative:
I have tried to dispute 2 accounts that do not belong to me with XXXX. They have refused to remove these fraudulent accounts to no avail. They are in 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 2020-04-04 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: FL

Complaint narrative:
I have tried to dispute 2 accounts that do not belong to me with XXXX. They have refused to remove these fraudulent accounts to no avail. They are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am having trouble with TransUnion to explain why my credit score is XXXX. But with XXXX  I have a score of XXXX and XXXX  also has a score above XXXX. I have tried disputing errors with all three credit reporting entities but TransUnion has only became worse. This is before the COVID-19 outbreak and now is I can not even dispute the current score because the company contact information is not answering phone calls and their website is not taking chat by home personnel. I could a difference of 25 points but this is a difference of 134 points. Any help or information that could lead to a point of contact would be greatly appreciated.

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