vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX data breach and might have got to the hands of the wrong people.

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 2020-11-24 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: IL

Complaint narrative:
I uploaded a letter to XXXX, Equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax or XXXX does not have any files to verify these accounts, nor will they delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: IL

Complaint narrative:
I uploaded a letter to Experian, XXXX  and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. Experian, XXXX  or XXXX  does not have any files to verify these accounts, nor will they delete it.

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 2020-11-24 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was never 30 days late on any payment for a credit card that i had. i made my payment online using their website. However, recently i have attempted to get approved for a home loan but noticed that i have one late payment on my credit report from this company. I've attempted to get the late pay removed from my credit report but haven't had any success. Please help me in getting this late payment removed as i was never late and was notified of my payment online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted XXXX about this bill and I cant get any info without an account number. This bill on my report has no account just an amount. In order for me to assure there has been no HIPPA violation I need verification of an account number.

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 2020-11-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent a dispute letter on XX/XX/2020 about the inaccurate and wrong things on my credit report. Its been over 40 days and I have not received any word back about my credit report. I think I'm being ignored and my dispute is being disregarded. 611 ( a ) States that if a credit reporting company has not completed an investigation in 30 days the information being disputed should be deleted. Its been over 40 days, so I demand that these accounts be deleted at once or I will file for litigation due to the hardship Ive had to experience. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.

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 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
In XX/XX/2018 we moved from XXXX XXXX XXXX, XXXX XXXX, NJ to our current address. We had to cancel our XXXX XXXX service and they sent a box and prepaid XXXX  ground label, tracking number XXXX to return their equipment. The equipment was sent back on XX/XX/2018 and received at their facility in XXXX, PA on XX/XX/2018 at XXXX. Despite having concrete evidence the equipment was returned, XXXX billed me for the equipment. I'd call, give the tracking number, be told it would be taken care of and just get a new bill. XXXX then sent it off to collections and I've been being harassed by collection agencies since. The collection companies, upon being told by me the " debt '' doesn't exist, simply pass it off to another company. I am currently in receipt if a notice from Convergent, their reference XXXX demanding payment. This is at least the 2nd, if not the third time Convergent has handled this same debt. Please note this matter has also impacted my credit report. Can you please advise how to resolve this matter? Many thanks in advance for your kind attention to this matter.

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 2020-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
They do not send validation or mark the account as a dispute. I attach the XXXX  report where it does not appear that it is being disputed. I request that your office provide me with proof of the debt it claimed it had, and that it is reporting on my credit. I have the right to claim and you are obliged to provide me with the relevant documentation in the event that you continue with your collection activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
After we purchased vehicle it began to have mechanical issues the motor blew on it. We had the car for less than six months. I made numerous attempts to have them repair the issue however they would not honor the warranty. At that point the vehicle would not drive I had told them to then come pick up the vehicle which they did a few days later. I have never received a bill or statement of proof of the debt as I have disputed this many times. The company has NEVER provided the proper documentation to support this debt.

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 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
During XXXX I had a family emergency. As my brother was hospitalized and in a XXXX. I reached out to PHH mortgage and explained the situation with an account specialist and paid {$1000.00}. Some to carry over to XXXX. Upon this we made an agreement about payment option due to lack of work. ( On our mortgage agreement both my fiance and I are account holder. ) In XXXX we had another conversation about catching up in the month of XXXX. XX/XX/XXXX we made a payment of {$1500.00}. XX/XX/XXXX PHH stated my mortgage went up {$630.00}. I called and found out they wrongly placed our XXXX payment elsewhere. After 2 phone calls with 2 different agents they " found '' it. On our call the agents both admitted they reported it wrong to the credit agencies Which brought our account in good standing. My credit has dropped 156 points due to " XXXX '' being 30 days late. Which it was not. I have asked them to correct this. It has all been one big mess and now my credit is the one being hurt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report it has been over 60 days a so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Last month I contacted Nordstrom regarding a late fee charge. I was told that the charge would be reversed. Which was a relief because I am on a strict budget. 
When I made my payment this month on XX/XX/XXXX, I was told that the fee still hadn't been refunded and I should only make the minimum payment, which was {$44.00}. So I made that payment on time. I thought the situation was worked out. 
However, this morning I received a call from Nordstrom stating that I owed more money due to the previous late fee charge. I explained that the fee was reversed and the customer service representative said no I still owed more money, which does not make sense. 
I went back and forth and finally decided to pay the amount of {$27.00}. 
Before we ended the call the representative said I was going to be charged AGAIN charged for a late fee. I didn't understand and he did not completely explain what happened. 
He said my new minimum payment would be {$80.00} next month. He said the charge " jumps '' up automatically when I am late. However, I was not late and I feel that Nordstrom Credit Card services is acting in a predatory manner towards me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/2019, SYNCB/TJX CO DUAL CARD add a hard inquiry on my credit report per 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 non-monetary relief
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NRA Group, LLC
State: FL

Complaint narrative:
Description of Complaint : National Recovery assumed an old bill from XXXX  XXXX in XXXX. The last payment made to XX/XX/XXXX  XXXX was XX/XX/XXXX making the first date of deliquency XX/XX/XXXX. Even if the debt goes to a collection agency, seven years and 180 days from this date of deliquency the debt can no longer be reported. For this reason I successfully disputed this debt with XXXX XXXX and XXXX in XXXX and the debt was removed in XXXX. This month National Recivery Agency committed fraud by rereporting the debt to XXXX XXXX and XXXX dropping my score 15-74 points. National Recovery Agency needs to be prevented from making fraudulent reports and suffer consequences.

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 2020-11-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report it has been over 60 days a so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-11-24 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/2020, SYNCB/LOWE 'S LAR add a hard inquiriy on my credit report per XX/XX/XXXX. The report did not include contact information about the creditor.

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 2020-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After two separate phone calls on XXXX and XX/XX/13 with my bank Capitol One requesting proof of a bill pay payment/check put in the mail, the bank is obviously dodging sending me this information. I was told they did not know why I have not recieved the information I requested during my first call when I was told i would receive in 48 hours. On the second call the bank supervisor could not tell me anything about my previous case other than it was on hold. All she did was open another case but refused to let me speak to the top level manager stating she was not accepting calls. I was told my check proof must be mailed and would now take be 7 to 10 business days. I have a utility bill that never recieved the payment check, past due now with late fees, of which the bank claims they sent, however seem unwilling to send me any proof and refusing me to speak with a top level manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2019, CAPITAL ONE BANK USA NA add a hard inquiry on my credit report per XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: Cedars Business Services, LLC
State: CO

Complaint narrative:
Was in XXXX XXXX in XX/XX/XXXX with a car rental. Must have gotten a parking violation while I was there as I got an email from this Cedar Business Services XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX on XX/XX/XXXX stating so. They sent the documentation from the City of XXXX and the dates match the time that I was there. My complaint is that XX/XX/XXXX is the first date that I received any notification of this violation which was from XXXX and not the City of XXXX. On the ticket itself it states that if paid within 5 days it would be XXXX euros which I missed as I was trying to get an explanation of the citation and dealing with XXXX. XXXX is claiming that I owe them {$470.00} and has been relentless in continuing to send emails telling me that it was going on my credit report and that since the ticket was from XXXX that US laws do not apply. I explained that this was my first notice but was told that I have no recourse to dispute. I even contacted an attorney who sent them a letter which they have ignored. The next deadline was 60 days and XXXX euros so I sent XXXX a check for {$160.00} figuring in the exchange rate on XX/XX/XXXX. Still getting emails and letters from them and now claiming that I never sent a check. Not disputing the ticket but I am disputing the time in which I was notified and the amount that is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report per 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 2020-11-24 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: NC

Complaint narrative:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charged a foreign transaction fee on my Citi Double Cash credit card of {$63.00} on XX/XX/2020 for a successfully disputed transaction. Despite over 5 attempts to get my account credited over phone, chat, the bank simple wont process the fee reversal despite it being approved per multiple agents. As it has been over four months since the fee was charged, I have no choice but to file a formal complaint at this time.

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 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I deposited a check on the XX/XX/2020 in the amount of {$9200.00}. I was told that checks generally take 2-3 business days to clear. I was expecting that funds would be available in my checking account on XX/XX/2020. I called the bank to ask why there was a delay. They told me on the phone that there was a fraud alert and my check would take additional days to clear. The agent told me that the check would clear on the XX/XX/2020. 

I don't have any history with this bank and the check was a local check from a well know firm in XXXX which they could have verified on the same day. When I told the bank that I needed funds to make a payment they now said that I needed to come to the branch again to get the check verified. 

I don't want to believe that I was profiled by this bank but i have had experiences in the past where I have been profiled due to my name, race and/or ethnicity. 

The people I spoke to from the branch were very rude and unprofessional. I am requesting that any overdraft fees be waived as the bank made a purposeful decision to not clear my funds even after I made a request.

Company response to consumer: Closed with non-monetary relief