vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I disputed 5 charges on my credit card for XXXX XXXX XXXX on XX/XX/2020 for the amounts of XXXX, XXXX, XXXX, XXXX, XXXX. The merchant contacted me and send me text after a month to withdraw the credit card disputes in order for them to give me full refund. I logged on credit card company website and withdrew the dispute. The merchant still has not paid me the money so I contacted the credit card company to reopen the dispute, but they refused because it is already disputed once. I understand the regulation now, but the credit card company should have made that clear to me on the website that if I withdrew the dispute, it will not be open again. 

I lost my dispute and my money. The credit card company has the responsibility to make the customers understand the rules and regulations.

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 2020-08-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
I am currently being Garnished for a loan i have from Mariner Finance. I received a current Affidavit Of Balance Due. The current balance due does not reflect the balance that I paid prior to the Garnishment of {$3400.00}

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 2020-08-07 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I've recently been in contact via mail with all three of the major consumer reporting agencies as of XXXX 2020 regarding fraudulent established accounts reporting on my credit file. I have received correspondence from XXXX, but both XXXX  and Experian has not sent any updated copies of my credit report as I am entitled to under the Fair Credit Report not provided any reasonable investigation nor sent out any results from several disputes. Several addresses that I requested to be updated still remain on my credit file and its been over 60 days from my initial request. Under the Fair Credit Reporting Act this is a violation and Experian must be held accountable. I have not received any return mail so I can only assume my dispute were received and have gone un answered. I have been denied credit due to the inaccuracies currently reporting and find these negligent actions unacceptable. PLEASE BE ADVISED THIS IS NOT A REQUEST FOR VALIDATION, AT THIS POINT THESE DISPUTED ACCOUNTS MUST BE REMOVED DO TO NO RESPONSE FROM NEITHER EXPERIAN OR EQUIFAX. PLEASE DO NOT REQUEST OR DENY MY REQUEST DUE TO YOU NOT HAVING ANY ACCOUNT INFO TO GO BY SINCE I'VE ALREADY CLEARLY SENT IN A WELL DOCUMENTATED DISPUTE LETTER WITH SPECIFIC DETAILS OF ACCOUNT NAME, NUMBER, AMOUNT, AND ETC.

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 2020-08-07 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: GA

Complaint narrative:
The following items are incorrectly reporting on my credit file : XXXX  - Date Opened : XX/XX/XXXX ; Bal : XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Equifax ) ; Bal : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: VA

Complaint narrative:
A collection appeared on my credit report back in XXXX from a company called Hunter Warfield out of XXXX FL. They claim that I owe {$15000.00} in rent for a home from XXXX XXXX XXXX XXXX. I have never rented a home from anyone by that name, in fact I have lived my current home for over 25 years. I have repeatedly asked for verification of the debt and had a lawyer send a certified letter also asking for verification of the debt to which I received no response. I know they received the request as someone signed for the letter. They continually call me to harass me about this and as of today this is still showing up on my credit reports and I would like to have it removed without having to endure the expense of taking them to court, which I will do if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My complaint is that Capital One has TOLD me that it will transfer my and my family 's account from my Capital One Venture Visa card to a Capital One Mastercard. This mandated change is WITHOUT my authorization, my approval or prior knowledge of the move. The move will be done by Capital One with no recourse to its decision. This is a time-sensitive issue. 

Capital One made the capricious and unauthorized mandated decision to move the account of this long time, senior citizen and my family 's from the Capital One Venture Visa card to Mastercard mandating NEW card numbers. This move is without explanation or logic. It requires this almost XXXX-year old person to change our Visa numbers stored on hundreds of online sites and for recurring financial dealings to the new numbers. My family have spent years establishing our individual Capital One Venture Visa card numbers with these sites and vendors. The new Mastercard will have the same benefits of the Capital One Visa Venture Card. Where is the logic for this MANDATED change? Also, if I apply for a new Capital One Venture   Visa card in ADDITION to the mandated Mastercard assigned to us, my credit rating takes a hit because of the added credit card to our credit report. If I close the Mastercard account on my own, and obtain a Capital One Visa Card, my credit takes a hit because I have closed the account, not Capital One!

I have called Capital One Venture Visa numerous times to ask for a reversal of this mandated decision, but to know no avail. I have written the CEO of Capital One, Mr. XXXX XXXX, but who knows if he will receive it. I have spoken with one of our Michigan US Senator 's staff with my complaint.

I have never owned nor do I wish to own a Mastercard. Visa is approximately 50 % of the United States and Global credit card market. Mastercard is only approximately 23 % of the U.S. and Global markets. Our current Capital One Venture  Visa card is widely accepted and the Mastercard is not. My family and I wish to continue our association with Capital One as a Venture Visa card holders. We do NOT wish to change to a Mastercard. I want to know the value of " what is in my wallet. '' Thank you, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
They started reporting this the last three months to my credit report. They bought the debt from XXXX. I have not even been to the XXXX to get my blood work done. I called XXXX who did not ever send me the paperwork and then they said that they agreed it wasn't my responsibility but someone else as I have insurance and didn't even use them. They said that they can't fix it as the debt was purchased by the collection agency and the collection agency is impossible to reach and the one time I did they were unreasonable and hung up on me. 

NameCREDIT COLLECTION SVCS I Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$480.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$480.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX   Monthly Payment {$0.00} Original Balance {$480.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation
State: MA

Complaint narrative:
Evidently this company has denied ME based on not being able to verify MY employment? I have been ON SSDI for 5 years and when we first bought the house the lender needed my 1099. This is easy to obtain. HOWEVER I was only utilized as a co-borrower because of my credit score. They listed I lost a job due to covid? I didn't have a JOB as I was on SSDI and XXXX XXXX over there knew that. They did not ask for documents because they stated they didn't need them but to blatantly lie and say I have lost a job due to COVID? I am on SSDI. That can be verified with the government. They stated I had past due bills? I am not delinquent on an anything under my social. Please let them show me where I was late with any bill. 

Unacceptable payment history? That house we have is paid monthly ON TIME. If they do not fix their lies to the THREE credit bureaus, we already have an attorney ready to go after them. We have proof this WAS withdrawn on XX/XX/XXXX. They still went through anyway to mess my credit up? AND lied that they could not verify MY employment? If they simply asked for my SSDI PROOF verification letter which they did not from SSA they could have got a copy! My credit score they showed that they used was a XXXX ... clearly they are full of it when we decided to PULL out of the loan process on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: MD

Complaint narrative:
usbankfocus will not allow me to activate my card and locked my account. they say my card was not registered by my employer but i checked my companies website and my information is there.

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 2020-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have a credit card with XXXX XXXX XXXX that I pay in person normally. The store has been closed due to COVID and I am unable to make payments in person. I have called them repeatedly but the phone call is ended before I am able to speak to anyone. I have also used the online chat function in early XXXX and was told someone would email me to follow up but was never contacted. I have no other way to make payments. My card now has several late payments and has been closed even though I have been attempting to make payments this entire time. I have since called back several times and have never had someone answer before the phone call hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Ally Bank ( Auto ) : I contacted Ally Bank to request a 90day loan extension on my vehicle, The letter is contained herein. I used the Ally Bank internal messaging system to expedite the request and attached the letter as instructed by there system. I returned later to find Ally Bank responded by stating there was not a document attached. Once again, I went through the process of attaching the letter only this time, to receive an error message that the system does not support my document, a simple word doc. As a resolution, I cut and paste the content into the message system, indicated the letter had also been sent via USPS, and attempted to send the message. Instead, I received an alert indicating there was abusive language in the document that had been flagged. Below is the exact contents of the letter : There is no abusive language and clearly no intent to convey any such content. Ally appears to be using this tactic to delay timely requests for extension in order to impose punitive fees as that is the only conclusion I can think of. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX XXXX XXXX XX/XX/XXXX Re : ( 90 Day ) Extension, Account XXXX, XXXX XXXX XXXX, VIN : XXXX Ally Bank ( AUTO ) XXXX. XXXX XXXX XXXX, MN XXXX I am requesting a 90-day extension agreement, effective immediately on the referenced vehicle and account. 

I was laid-off from my XXXX XXXX role, subject to recall, herein attached, and have not yet received a work recall notice. The XXXX XXXX XXXX XXXX had hoped to execute a full recall by the end of XX/XX/XXXX. However, due to a COVID resurgence, the Board has delayed the decision. 

During the interim, I have applied for other full-time positions and am actively under consideration, but to this end have not received a written offer. However, I have received a verbal offer. 

I am asking for the extension to get our feet under us and realize cash flow. Compounding matters, we have not received Kentucky Unemployment now @ 18 weeks in arrears. 

The vehicle is in excellent condition, fully ensured, and parked in a gated community and driven only to keep the battery charged. I intend to retire this debt to Ally upon returning to work as the vehicle value is not only inverted, but the title is deleterious for selling the vehicle. 

I provide you this information so that you may make an informed decision to give the requested extension, allowing me time to pay the account in full without adversely effecting my credit report. 

Please advise at your earliest. 

Thank you, XXXX XXXX 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 2020-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
I requested a payoff of my husband 's ( XXXX XXXX ) vehicle from XXXX Credit card company to CNAC on XX/XX/2020 in the amount of XXXX. I check from XXXX was mailed to CNAC on XX/XX/2020. The transaction cleared my account on XX/XX/2020. On XX/XX/2020 I received a call from CNAC that the check had not cleared and that it returned. I was then asked to pay the total balance of {$7100.00} in which I refused due to me actively making payments on that same amount with my Credit card company. With CNAC on the line, I called XXXX rep who stated check had been cleared and cashed already, CNAC rep stated the check returned and a new one would need to be submitted. XXXX did not agree so they did not resend payment, but they did mail me a copy of the check that was sent out to CNAC. CNAC also mailed me a copy of the returned check letter that they received from XXXX XXXX XXXX. When speaking with both companies as well as XXXX XXXX XXXX, no one can seem to account for the missing funds. In the meantime I have been responsible for paying both XXXX credit card AND CNAC, in which I can not afford to do. It has been 3 months now and no one can tell me where the money has gone. I have been battling with both companies to help me resolve this issue and it has yet to have a proper resolution. There is no way neither XXXX, CNAC, nor XXXX XXXX XXXX  can tell me where the money is. I need to fix this asap as this will start to affect my husband and I credit reports, because if I don't pay XXXX they will report and If I don't pay CNAC they also will report. I am literally stuck between to companies who should be able to easily remedy this but has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: TX

Complaint narrative:
experian won't let me dispute online XXXX  won't let me look at my credit online ftc violaitons on accounts and addresses XXXX is my middle name not XXXX  XXXX XXXX XXXX XXXX is correct they have XXXX XXXX XXXX not mine never used it like this XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX address not mine

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 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have tried countless times to register my account/Debit card with XXXX  and it has continuously block to me referring me to talk with my bank ( PNC ) each time my bank has told me the problem is fix, And I still am getting the same results!! .. my account getting blocked due to the Financial institution I bank with ( PNC ) .... HELP!! ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: MI

Complaint narrative:
Innovative Recovery is reporting a debt to my credit files. I have not received any information concerning this and contacted the original creditor. 

The original creditor informed me they did not have any information regarding this debt and that they do not do business with Innovative Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: TX

Complaint narrative:
experian won't let me dispute online XXXX  won't let me look at my credit online ftc violaitons on accounts and addresses XXXX is my middle name not XXXX  XXXX XXXX XXXX XXXX is correct they have XXXX XXXX XXXX not mine never used it like this XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX address not mine

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 2020-08-07 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: NJ

Complaint narrative:
I sent a dispute letter out in XX/XX/XXXX to all credit bureaus to remove an account on my credit report that was in violation of FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The account is reporting inaccurate and different dates to re-age the account. Transunion shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. 
This affects the account date it falls off my credit report, This is a violation. The account was update by XXXX  from a Repossession to a Charge-Off on XX/XX/XXXX. There is no collection account attached to this account on 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 2020-08-07 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: NJ

Complaint narrative:
I sent a dispute letter out in XX/XX/XXXX to all credit bureaus to remove an account on my credit report that was in violation of FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The account is reporting inaccurate and different dates to re-age the account. XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Equifax shows XX/XX/XXXX. 
This affects the account date it falls off my credit report, This is a violation. The account was update by XXXX  from a Repossession to a Charge-Off on XX/XX/XXXX. There is no collection account attached to this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have tried several times to resolve an issue with XXXX, this company is reporting late payments to my personal credit reports. I have submitted all the proper documentation and sent letters of dispute to the President of the company, still no resolution. The inaccurate information being reported has hindered me from being able to purcahse a home. 
The report is inaccurate as I was enrolled in-school and account should have been enrolled in in-school deferement, therefore no late payments should have been reported. My first payment was due XX/XX/2017, I graduated XX/XX/2017. 

The company that is reporting inaccurate information : XXXX XXXX. XXXX XXXX XXXX, PA 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