vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: DC

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Around XX/XX/XXXX, I logged on to make a payment to my Amex account. I was experiencing financial turmoil at the time, so I assumed the balance was maxed out, or closed to being maxed out, and that my minimum payment would only tread water. It had a {$2000.00} limit, so I was surprised when my current balance showed over {$4000.00}, and that my minimum payment was almost {$300.00}. My statement showed that multiple cash advances were made from ATMs, and that payments were subsequently made to continue doing so. These payments were made from bank accounts added to my account without my knowledge, as they did not belong to me. Then, these payments were returned. Amex conveniently updates its balance before it receives the actual payment, assuming the customer has it. Multiple were from XXXX  XXXX XXXX, a place Ive never banked at, the other was a bulk payment from XXXX, apparently a bank based out of Texas. Ive lived in Michigan my entire life ; Ive never even traveled to Texas. Needless to say, I called Amexs fraud dept. They assured me they would open an investigation and I wouldnt be held responsible for these charges. They relayed that they would call me back the following day so they can go over what they discovered. The following day they confirmed these were in fact fraud, and that Ill slowly see the charges fall off. And they started to. However, my payment was due and that I needed to make the minimum. I explained to them that money was tight, and that I only had enough to make the minimum payment ( before these charges, that is, which was {$62.00} ). Amex, however, wasnt satisfied with that. They said I needed to make the full {$300.00} minimum payment now. Since I couldnt, they closed the fraud investigation and closed my account the next day. It now shows as a serious delinquency on my credit report. Ive since asked Amex in XXXX of XXXX to send me an entire copy of my statements, including payments, transactions, and returns, to which they reiterated that it would be emailed in XXXX. It never came. I have attempted to dispute this twice through XXXX, which they claim the information is accurate. Amex has since charged off the debt and is unwilling to help me in any capacity, as they claim they no longer have the information pertinent to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERICAN INTERNET MORTGAGE
State: DE

Complaint narrative:
Delaware governor declared a State of Emergency and banned landlords from collecting late fees from tenants, and lenders from collecting late fees on mortgages in turn : " With respect to any missed payment on a residential mortgage occurring during the state of emergency, no late fee or excess interest may be charged or accrue on the account for such residential mortgage during the state of emergency. '' My mortgage payment deadline was XX/XX/XXXX, I made the payments on XX/XX/XXXX and was immediately charged late fees on all 3 accounts. Called the company to inform them that this is in violation of the Emergency declaration, and they asked that I send a link to it ( which I did XX/XX/XXXX ). Followed up a week later and was asked to send the email again, even though the rep was able to find the original one - this time with loan numbers in the subject line. On XX/XX/XXXX followed up again and was transferred to a supervisor who said he'd get back to me on Monday, XXXX. Didn't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UHG, LLC
State: OH

Complaint narrative:
On XX/XX/21, I received notice, via USPS, that XXXX XXXX XXXX alleges I owe their client, UGH I LLC, " XXXX, and XXXX ( {$XXXX} ) '', dated, XX/XX/21, for a " XXXX Credit Card '', with no original creditor cited. I immediately responded, via certified USPS Mail, return receipt, # XXXX, to dispute the debt in full and request validation within thirty-days ( 30 days ). A duplicate request was also sent to UGH I LLC, via, certified-USPS-Mail, return receipt, # XXXX. And a second validation notice was also sent to XXXX XXXX XXXX, on XX/XX/21, via USPS-Priority-Mail, although they had received prior notice, and the 30 day period had already begun with both parties. As the request with XXXX XXXX XXXX, was signed for on XX/XX/21, by Mr. " XXXX XXXX '', and the request with UGH I LLC, was signed for on XX/XX/21, by " UGH ''. Please see the attached letters, titled, " XXXX '', and " XXXX '', including return receipts, with signatures. After not receiving any response from either party, cease and desist notices were mailed to both parties on XX/XX/21. However, on XX/XX/21, I did receive what seems to be an inadequate attempt to validate this alleged debt from XXXX. However, it was post marked, XXXX, XXXX, and dated, XX/XX/21, well after the thirty-day ( 30 day ) period to investigate under the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) expired. Please see the attached envelope, and letter, titled " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: PA

Complaint narrative:
Equifax credit reporting I have account with XXXX XXXX accounts it's been over seven years I've XXXX  and XXXX  remove that account from my credit report on the other hand Equifax when I try to dispute the account of XXXX XXXX account on XX/XX/XXXX my score went down XXXX points on the account never got removed from my credit report on Equifax and also this account was closed in XX/XX/XXXX but Equifax after I dispute the account on Equifax now it's a the account will closed in XX/XX/XXXX they keep sending the wrong information on my credit report this account should be removed because it's been over seven years I need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Possible Financial Inc
State: FL

Complaint narrative:
I had a loan at one point with possible finance and I was a victim of identity theft. So at some point this company wasnt getting paid their installments. I informed the company of this and paid the account of for deletion. For whatever reasons their stilll reporting it. Even though, XXXX  and XXXX  has deleted the account XXXX  is still reporting. Ive also attached proof of deletion below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union and XXXX allowed XXXX to report false information which is causing me great harm and making it hard for me to apply for housing and necessary credit. XXXX has been posting missed monthly payments on a charged off account from XX/XX/XXXX on my Trans union credit report. They reported that my last Payment was on XX/XX/XXXX which is in-accurate and that I missed payments of XXXX in XX/XX/XXXX & XX/XX/XXXX on a charged off account. By them reporting erroneous information it has harmed my payment history. I sent a certified letter to Trans Union and XXXX  in XX/XX/XXXX asking that the account be deleted due to its many in-accuracies. There results was them only confirming and updating the same information and only deleting the missed payments in XX/XX/XXXX & XX/XX/XXXX which was against the law from the beginning. The last payment was XX/XX/XXXX in the payment history not XX/XX/XXXX and they really did not update anything. XXXX  was the only one company that caught the many mistakes and remove it completely 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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting this account on my report ... I have written them 6 times as well as all 3 credit bureaus to validate/verify this account ... no one has been able to do so..in fact XXXX XXXX nor the credit bureaus have sent me anything back at all pertaining to this account ... .This account is not verifiable nor ablt to be validated therefore XXXX  has removed it from my credit report ... Why hasnt Transunion and XXXX  followed suit as they are supposed to? This is a violation of my rights ... .This account is not even reporting 100 % accurate as it is supposed to by law .... 

Date of Last Payment : Transunion XX/XX/XXXX XXXX XX/XX/XXXX -- -This has been reeaged Date Last Active : Transunion XX/XX/XXXX XXXX XX/XX/XXXX -- XXXXThis has been reeaged High Credit : Transunion {$4100.00} XXXX  {$3300.00} look at the 2 year history XXXX  is reporting a new charge off every month this is killing my score ... XXXXthey then report it as ok XX/XX/XXXX and XX/XX/XXXX after reporting a ton of charge offs prior ... 

My next step is contacting the state attorney general and a consumer attorney if this is not removed immeditaley

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting this account on my report ... I have written them 6 times as well as all 3 credit bureaus to validate/verify this account ... no one has been able to do so..in fact XXXX XXXX nor the credit bureaus have sent me anything back at all pertaining to this account ... .This account is not verifiable nor ablt to be validated therefore XXXX  has removed it from my credit report ... Why hasnt XXXX  and Equifax followed suit as they are supposed to? This is a violation of my rights ... .This account is not even reporting 100 % accurate as it is supposed to by law .... 

Date of Last Payment : XXXX  XX/XX/XXXX Equifax XX/XX/XXXX -- XXXXThis has been reeaged Date Last Active : XXXX XX/XX/XXXX Equifax XX/XX/XXXX -- XXXXThis has been reeaged High Credit : XXXX {$4100.00} Equifax {$3300.00} look at the 2 year history equifax is reporting a new charge off every month this is killing my score ... XXXXthey then report it as ok XX/XX/XXXX and XX/XX/XXXX after reporting a ton of charge offs prior ... 

My next step is contacting the state attorney general and a consumer attorney if this is not removed immeditaley

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of america is blocking me from making a transfer from XXXX XXXX  currency trading app. I was just wondering if i was able to be unblocked to be able to transfer the money from my XXXX  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 2021-03-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I had two credit cards with this company and last year they cancelled one and just recently they cancelled the other. I don't use the cards much and pay them off as soon as the bill comes.

There was a huge hit on my credit score when they cancelled the first card and I'm certain I'll take another hit on the second card.

The credit card reasoning for cancelling my card was primarily my lack of use.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I purchased a XXXX treadmill on a promotional 12-months XXXX interest through XXXX XXXX. I paid the card on time and within the12 months. In addition of XXXXXXXX XXXX posting the account as paid in full, they reported me as DECEASED. I wouldn't have known this except I was trying to get a mortgage and my bank told me that Experian and XXXX  showed me DECEASED based on XXXX XXXX XXXX report. I called XXXXXXXX XXXX and they told me that they even had a death certificate on file for me! I called multiple times for them to remedy this. I called XXXX and Experian also but I could not prove to them, to their satisfaction, despite answering all their questions to my identity, that I am in fact ALIVE! I was unable to get the mortgage due to these errors on my credit report and the inability or unwillingness of these companies to correct their errors.

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 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Began mortgage refinance process early XX/XX/XXXX with BB & T Truist. Was told to expect 60 days to close ; which I accepted. As of today, XX/XX/XXXX, I am Day XXXX and still no answer as to close date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: KY

Complaint narrative:
Debts had been paid by my insurance company and they were still attempting to collect the debts for far more than was owed initially before insurance had paid them. The companies I owed the original debts to stated all my debts had been paid by my insurance and my insurance company confirmed I did not owe the debts. They still reported it to my credit report as being in collections for two amounts that were not only higher than I owed but that had already been paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
My mortgage was transferred to BSI Financial, as servicer, in XX/XX/XXXX. The first PILOT ( payment in lieu of property taxes ) payment for XXXX to the municipality was due on XX/XX/XXXX ( note that these are paid out of escrow ). I called BSI Financial customer service on XX/XX/XXXX, spoke to someone and informed them of my issue, and subsequently emailed them the overdue notice from the municipality. Since then, I've received another overdue notice from the municipality and subsequently I have called BSI Financial customer service two additional times. They claim that they are escalating the issue, but no progress seems to be made. I have no confidence that my PILOT payments will be made on time for this quarter or in future quarters.

Also note that this is the second CFPB complaint I have had to submit against BSI Financial since my mortgage was transferred to them in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
My account with coinbase had a phone number attached to it that was not mine the website only showed the last four digits of the number. I went online to delete that number and update my number on the account and was instructed to enter the phone number associated with the account. Of course I had no idea what the full number was. I contacted them via email and they instructed me to set up a another dummy account an email them back with new account information and we could move forward. I went back online and their website wouldnt let me open another account. I emailed them with issue and they were investigating the issue and will follow up with me as soon as they have an update. That was XX/XX/XXXX. Ive requested an update twice via email since than and have had zero response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04 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: GA

Complaint narrative:
Transunion is reporting fraudulent trade lines 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 2021-03-04 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: CA

Complaint narrative:
An address related to identity theft is on my Experian report and they refuse to remove it. 

I disputed the information on XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX I got a letter from Wakefield and Associates saying I owed a dept of {$530.00} to them on a medical bill. Letter contained no info on what bill from where or any specifics. Called them spoke with a man who said it was a bill from XX/XX/XXXX of XXXX owed from XXXX XXXX XXXX, asked him what to do he told me contact my insurance to see why it's come to them. Called saint jessamine east the hospital I took my daughter to in XXXX and they said I had no bills owed. I spoke with my XXXX health plan also. Nothing owed the bill for that date was paid! Called them again on XX/XX/XXXX a gentleman I spoke with said my bill for the account was now from XX/XX/XXXX of XXXX and he couldn't even find something for what I was describing. This man stayed on the phone with me while I called my XXXX care source since in XXXX care source switched to another insured company. He kept telling me once the guy on my XXXX spoke with their insured agency I would need to hang up. The man through XXXX was XXXX he said do not give them any info he was going to send it to resources. He tried solving it for me when he spoke with their insurance agency they hung up on us. These bills have been PAID. I called back today XX/XX/XXXX some lady tried to play the same stuff over with me I asked her why people paid but still owed? Asked her why they were reported to the fbi, fcc and bbb. The lady XXXX told me they probably hung up on me due to the headsets not working. This is a lie I told my XXXX they wanted a letter of eligibility to prove payment and my XXXX said they don't provide something like this for whatever reason. Point is these bills are paid I tried showing the company they are paid and they are doing nothing. Saying it will go against my credit in 19 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC Systems at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$1400.00}. The collections has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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