vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 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: MI

Complaint narrative:
XXXX  credit bureau has reported a chapter XXXX bk on my credit report and they say they are verifying their Information from the court I have a letter from the court stating they dont and havent reported information regarding me to anyone but they wont stop reporting this unverified 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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
ACCOUNT CLOSE NOW AN OTHER CREDITOR HAVE POCCESTION this effect my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding LLC apparently is a junk buyer of allegedly old or uncollected debt purchased from different creditors. They have been sending me bills periodically through the mail claiming that I owe the debt to them, even though I don't know who they are. They claim that they bought an old credit card account from XXXX XXXX XXXX  with whom I once had a credit card account. I did not receive any notification from XXXX 's that my account had been sold, nor did I receive a letter from Midland with the appropriate written legal proof that the rights to collect on this debt, was now theirs. I have called Midland Funding LLC who refers me to another company called Midland Credit Management ( supposedly in XXXX XXXX ) who tell me that the only documentation they have is a few copies of my old credit card bills with XXXX 's XXXX. In my phone calls to Midland Credit I've asked for a copy of the assignment of XXXX 's rights to this credit card, over to Midland Funding LLC or Midland Credit Management. Their response to me is that all they have are documents ( copies of old bills dating back in 2013 ) showing up on their website under my name, and that should be enough proof. Clearly, that is not enough or adequate proof showing that they have any legal rights to collect money from me for this old XXXX 's credit card account. I have had several identify theft problems over the past several years and am getting tired of trying to rectify problems resulting from the identity theft problems. I've asked them to send me a letter stating that they will delete this entire derogatory credit line from all 3 credit bureaus against my name/social security #, but they want me to pay them first even though they refuse or can not provide proof that they have the right to collect on this XXXX 's acct. Today, via a phone call I asked to speak to one of their attorneys. They put me on hold at XXXX my time, and no one ever picked up again. The Midland Credit Mgmt and Midland Funding have a corporate address in XXXX XXXX, CA. I am in the same time zone as XXXX XXXX. The woman who put me on hold, told me that she thought that office had already left for the day and I wouldn't be able to speak to their attorney. I asked her if they normally work to XXXX, to which she answered " yes ''. I reminded her that it was only XXXX and they should still be at the office. That's when she said she would transfer me to their XXXX XXXX office, then she put me on hold. Before doing that, I asked for the corporate phone # in their XXXX XXXX office, and she told me that they don't have a direct phone #. I have also called XXXX 's XXXX  and they say they have no record of the account nor to whom it was sold, if at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX ( XXXX ) XXXX XXXX XX/XX/2020 To whom it may concern : Consumer Financial Protection Bureau On XX/XX/2020 I received an email from Capital One informing me that my credit card account ending in ( XXXX ) was past due and that I had incurred a {$28.00} late fee over a {$1.00} difference in my minimum payment ; meaning that in XXXX I paid a {$27.00} minimum and for some reason it changed in XXXX to {$28.00}? 

I paid {$27.00} as I did last month ( this will be added to the complaint ) but the amount changed for some reason? During these trying times they couldnt contact me or email me or waive a {$1.00}? 

I just dont buy the excuses that I have gotten from speaking to several supervisors and agents who honestly did not offer to help me at all and in fact took my {$1.00} payment over the phone on XX/XX/2020. 

This was a shock considering I paid both payments on my Capital One cards on XX/XX/2020 with my debit card ending in ( XXXX ). I am attaching my bank statement with the payments to Capital One on XX/XX/2020. I am also attaching the email that was sent to me today on XX/XX/2020 as well as the statement showing a {$1.00} amount. 

According to Capital One I still owe them {$1.00} yes thats right {$1.00} I am being charged a late fee of {$28.00} because of {$1.00} that was not paid. The minimum amount changes monthly from one month to the next. The reason for this change is due to the card being used according to Capital One but I have not used the card in a few months because I have been trying to get my card in good financial standing. So this constant changing of amounts is concerning to me for several reasons. The first is the late fee and my credit score going down 9 points this month ; which I am also attaching to this complaint. 

With everything thats going on and I am XXXX with XXXX I could have used that money to buy facemasks this month or other medical related items that I need but I paid my credit card company early and they could not contact me over the phone, or email me or simply waive a {$1.00} fee? Really? Capital One? Really? Is this legal? 

I did in fact pay the {$1.00} as of XX/XX/2020 when I was made aware of the situation. I have been paying all of the late fees on both of these cards but this situation is wrong ; its just not right. 

I want the late fee removed from my account and I want my credit score fixed by Capital One and I also want to know why? They are not reporting early payments to the credit reporting agencies? When I make them early? If we report the negative we need to report the positive too! 

In my opinion Capital One took advantage of the situation and was trying to obtain late fees and thats why they keep changing the amount on the minimum due each month. 

Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
Attempted to contact the company via web page. Have not received a response or confirmation. My homeowners insurance premium has not been paid. The insurance company is contacting me to collect, but the premium is included in my escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion Credit agency arbitrarily reduced my credit score by over XXXX points which was not based on actual credit worthiness but " perceived financial impact '', their words not mine. 
The " perceived financial limpact '' is solely based on a survey they did, not my personal actual worth which has caused me harm in that I am unable to complete a mortgage application due to the drastic decrease.

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 2020-04-17 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: WA

Complaint narrative:
On XX/XX/XXXX, I booked a flight for my family using Citi XXXX points. The flight was originally scheduled for XX/XX/XXXX. It is Trip ID : XXXX. At some point, the flight was cancelled due to COVID-19. On multiple occasions, i have attempted to cancel the flight via Citi XXXX, both by phone and online. As of right now, I have been on hold for over 1.5 hours, to no avail.

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 2020-04-17 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On XX/XX/2019 We had a dentist dental for a cleaning '' appointment for our XXXX year old son. They put 3 concreted braces on his top 3 teeth with out even consulting us. I was furious we already had plans for a different orthodontist I felt pressured and wronged and I signed the contract that day just giving in to what they already did. We went home and called them and told them we are never going back please cancel. They refused to cancel and slapped XXXX on my credit : ( The next week we went to our personal orthodontist and he took them all off fixed them and started braces with him. He is about ready to get them off and all paid off. XXXX XXXX did me wrong they refused to cancel and it ruined my credit and now I have a recurring debt that is getting higher with interest. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I keep telling CITI bank cards that account is NOT mine! They keep harassing me. Adding charges that I have no knowledge of. This isnt right!!

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 2020-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The XXXX credit for XXXX was received by me and cashed but that account is still missing a XXXX credit for XXXX $ that still I don't receive. Because that account ending in XXXX had a balance of XXXX $ when it closed. And you only send me XXXX XXXX Please review this matter and we try to resolve this matter, and please notify me of info on the remaining XXXX $ / that is still not here! Thanks Chase needs to also reject mine and my wife 's IRS stimulus checks since but was sent there and my account should be closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TX

Complaint narrative:
ftc violations XXXX  Robocalls cost XXXX  $ XXXX arbitration award he Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XXXX  XXXX, XXXX Every state has a consumer protection law that prohibits deceptive practices, and many prohibit unfair or unconscionable practices as well. These statutes, commonly known as Unfair and Deceptive Acts and Practices or UDAP statutes, provide bedrock protections for consumers.XXXX  XXXX, XXXX Unfair & Deceptive Acts & Practices - National Consumer Law ... 

Search Results Web results FTC Obtains Record {$190.00} XXXX Settlement from University ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - The University XXXX XXXX XXXX XXXX XXXX and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} XXXX to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, XXXX!, XXXX, XXXX, ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
Received a letter from : Professional Credit Service XXXX : XXXX XXXX XXXX Claimed that they are collecting on behalf of Oregon Department Of Revenue. 
Amt = {$140.00} When I called them - the amount was = {$1600.00} I asked for tax information and more information on the debt. 
The agent XXXX request that I write in to their company - they can then get approval from Oregon Department of XXXX to release to me. 

They asked for my last XXXX digits and I regretted providing. 
Because when they tried to verify my home number - the number they have on file was wrong. 

Please help me check if they are legit? 
I'm requesting for debt information : Tax letters so that I can verify they are collecting on behalf of the XXXX department. 
I need proof that I owe Oregon Department of XXXX money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX bank reported XXXX XXXX  late payment to Transunion. The account has been closed since XXXX and was paid in full. Reported a {$14.00} balance and XXXX XXXX  late on XX/XX/XXXX. I live in XXXX and am in quarantine. Never received any notice or bill. 
Tried to contact XXXX bank for XXXX XXXX  can not get through. Tried to dispute on Transunion and I keep getting their system in not working and can not submit dispute. Also tried to dispute on XXXX XXXX but they told me to do it directly on Transunion. I have been unable to dispute the charge. 

This lowered by credit by XXXX points during a pandemic for {$14.00} on a card that has been closed for XXXX XXXX, No notification was sent and I can not contact anyonet not XXXX and not Transunion and Not 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 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
In XX/XX/2018 Quicken Loans called and asked if I wanted to refinance my home at a lower interest rate and since I had a lot of equity in my home I could pull some out for things needed around my home. Since Quicken Loans already handled my mortgage the person I was talking to said there would be no problem with me increasing what I owed on my mortgage. I asked if I needed to pay off any of my debts and he said it was up to me on how I receive the funds. 
My wife and I had just returned from a trip to XXXX XXXX and we had purchased a timeshare through XXXX. When asked if I could use some of the funds to pay off XXXX it was related to me that it was strictly up to me on how the funds were to be used. I was told that I could receive the total amount and pay XXXX on my own or they could issue a check directly. The loan was closed and a check was made out to XXXX and mailed to me. 
During this transaction my wife and I found that information we received during the XXXX presentation was not true. Because of the misrepresentation, we ask XXXX to void the contract. 
I called XXXX and asked if the could reissue the check to me instead of XXXX. They had me contact their title company, XXXX XXXX Arizona XXXX XXXX to request that the check be reissued to me. The title company directed me back to Quicken Loans. 
Quicken Loans is refusing to reissue and release the {$12000.00} to me. 
As of this date XXXX XXXX they are holding monies that I am paying mortgage payments on. 
I am requesting that they release these funds and pay interest from the date of the closing of the loans to their release date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TX

Complaint narrative:
ftc violations BUCKLE Robocalls cost XXXX  $ XXXX arbitration award he Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XX/XX/XXXX Every state has a consumer protection law that prohibits deceptive practices, and many prohibit unfair or unconscionable practices as well. These statutes, commonly known as Unfair and Deceptive Acts and Practices or UDAP statutes, provide bedrock protections for consumers.XX/XX/XXXX Unfair & Deceptive Acts & Practices - National Consumer Law ... 

Search Results Web results FTC Obtains Record {$190.00} XXXX Settlement from University ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - The University XXXX XXXX XXXX XXXX XXXX and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} XXXX to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, 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 2020-04-17 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:
ftc violations BUCKLE Robocalls cost XXXX  $ XXXX arbitration award he Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XX/XX/XXXX Every state has a consumer protection law that prohibits deceptive practices, and many prohibit unfair or unconscionable practices as well. These statutes, commonly known as Unfair and Deceptive Acts and Practices or UDAP statutes, provide bedrock protections for consumers.XX/XX/XXXX Unfair & Deceptive Acts & Practices - National Consumer Law ... 

Search Results Web results FTC Obtains Record {$190.00} Million Settlement from University ... www.ftc.gov news-events press-releases XX/XX/XXXX XX/XX/XXXX - The University XXXX XXXX ( XXXX ) and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} million to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, 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 2020-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Paypal transaction id XXXX sent on XX/XX/2020. 

Above transaction should be friend-to-friend but was sent in mistake as " merchant '', we corrected immediately by refunding to the original sender. PayPal still charged " paypal fees '' and refused to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: LEXISNEXIS
State: TX

Complaint narrative:
FTC VIOLATIONS BY ALL ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TX

Complaint narrative:
FTC VIOLATIONS BY ALL ATTACHED

Company response to consumer: Closed with explanation