vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 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:
I submitted a complaint to the CFPB in regards to inaccurate late payments being submitted to Transunion, XXXX  and XXXX  on XX/XX/XXXX. 

XXXX XXXX XXXX  XXXX. 

XX/XX/2020 LATE THIRTY DAYS The company XXXX XXXX has not completed the investigation within the time frame and keeps putting me off even though I have submitted documentation to the company in regards to the complaint. As a result, I would like the negative trade line REMOVED From my account entirely at all three reporting agencies.

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 2020-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have disputed this several times as identity theft and even asked for a breakdown of the charges which none of the companies will provide. The debt is for {$1000.00} from Account Resolution Services. Not to mention this is a direct HIPAA violation on reporting medical information. I have contacted all 3 credit bereaus.

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 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear Sir, During the COVID-19 times, I tried my very best to keep up with my payment.

I always paid my Bank America Bill on time way beyond the minimum balance. In my XX/XX/2020 statement BOA charge me a {$25.00} late fee. I tried to reach out to BOA several times, I was told there is nothing they can not do. During this time, I do not want to defer any payment, I want to continue paying my bills and I respectfully ask the bank of America to wave the late fee due to hardship during COVID-19, Bank of America refuses to wave a XXXX late fee, I can not believe this. 

I need CFPB to help me get this late fee wave. I strongly believe that this late fee should be forgiven due to a hard time because of COVID-19. 

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 monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
Applied for credit to buy a used car with my husband on XX/XX/XXXX. We have credit in the high 700 to over 800 in all three credit bureaus. Just received a letter in the mail today that in the loan application process, we were DENIED credit based on information from XXXX XXXX XXXX, which I have never heard of. Our credit was reported as XXXX and XXXX, and some insane reasons, primarily being length of residence is too short, we have been at our current address since XXXX, and have extensive, good credit history. I went on-line to get a free credit report and to look at freezing our credit, as it is with all other credit reporting agencies and they are wanting copies of drivers license, birth certificates, utility bills, etc. Upon further research it appears to be a scam to collect information and copies of documents. I want my credit frozen and I would like to see the credit reports but do not believe we should have to provide these documents to get them. From what I have seen on the Internet it appears Ally Bank and XXXX are possibly colluding to modify loan terms.

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 2020-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I requested NATIONAL CREDIT ADJUST to validate this debt they are telling me I owe, I requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I never received anything back from them, they only sent me a letter stating it was verified. 
Now I would like them to do the following : Please provide me with the following : Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fee, payment, credit, interest How you calculated what you claim I owe ( XXXX  vs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Full chain of assignments from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract ( XXXX XXXX XXXX XXXX. XXXX ) & ( XXXX vs XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
AMERICAN HONDA FINANCE reported me late during a pandemic. I was XXXX XXXX with XXXX and had XXXX. I worked very hard to keep up with payments. I had a deferment. I requested a goodwill late update to never late. honda ignored me. I feel that I should receive a goodwill update. I would like late fees deleted I cant afford to pay XXXX I request a goodwill. 
Account # XXXX Product:XXXX XXXX VIN:XXXX  Term:36 Payment Due DateXX/XX/2020 Current Payment Due : {$480.00} Past Due : {$480.00} Total Fees Due : {$110.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I was trying to get my card enroll again in XXXX XXXX and my XXXX deleted all of my credit cards in error and I received the code twice in one day and the third tile the customer service had a problem adding it again and they keep putting me on hold for hour and transfer me to different depts and Im very busy guy and I dont have time to be on the phone dealing with this I need to pay my bills and work and get on with my life and then they brought up and said my social security number is wrong and I need to verify it over the phone but I explain to them I received codes from them in past and I was approved for this credit card back in XX/XX/2020 and paid my bills and its reported to the credit bureaus I just want my credit card to added to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: VA

Complaint narrative:
I have asked for validation to 2 collections on my credit report which is sprint and XXXX XXXX. XXXX is represented by XXXX  XXXX XXXX and XXXX XXXX college is under XXXX XXXX they refused to send me info in a timely manner and it has been over 45 days. I have asked them to verify or delete it. This is illegal and I demand those 2 collections moved off my reports immediately I have been patient and I call them all once a day and no one helps. 
I have talked to all 2 credit reports this is ridiculous ... I have disputed and disputed this information. This is impacting me big time as I can not get a home approval.

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 2020-08-26 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: VA

Complaint narrative:
I have asked for validation to 2 collections on my credit report which is sprint and XXXX XXXX. XXXX is represented by XXXX XXXXXXXX XXXX and XXXX XXXX college is under XXXX XXXX they refused to send me info in a timely manner and it has been over 45 days. I have asked them to verify or delete it. This is illegal and I demand those 2 collections moved off my reports immediately I have been patient and I call them all once a day and no one helps.

I have talked to all 2 credit reports this is ridiculous ... I have disputed and disputed this information. This is impacting me big time as I can not get a home approval.

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 2020-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My original email for my account became unusable. 
So I could not get into my Venmo, transfer money or change my password. 
I sent their customer service a request. 
They have asked me for my ID with my picture. 
I sent my driver 's license with my picture and my passport with my picture. 
They still have not changed my primary email and I do not have access to about {$9000.00} to {$10000.00} which I need for a trip. 
I want to send the money to my XXXX XXXX XXXX account as I don't really need or want Venmo anymore The customer service is terrible. 
I hope you can change my primary email to XXXX and resolve the situation. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In 2018 i was a victom of identity theft and charges were made to a credit card that i did not approve. A report was made to XXXXXXXX XXXX. An invistagation was suppose to be made but was not and they sold the debt to portfolio recovery. When i was contacted by portfolio recovery debt collector i told them the debt did not belong to me, they have denied the settlement i offered and are currently being suing by their attorneys at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Model Finance Company
State: FL

Complaint narrative:
XXXX from model finance company called and hurassed my mother about a XXXX XXXX and said he will take me to jail. Guy wouldnt let me get a word out and he yelled at my mother over the phone saying she is going to get arrested as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: MI

Complaint narrative:
I submitted a complaint to the CFPB in regards to inaccurate late payments being submitted to XXXX, Equifax and XXXX on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX 

XX/XX/2020 LATE THIRTY DAYS The company XXXX XXXX has not completed the investigation within the time frame and keeps putting me off even though I have submitted documentation to the company in regards to the complaint. As a result, I would like the negative trade line REMOVED From my account entirely at all three reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: MI

Complaint narrative:
I submitted a complaint to the CFPB in regards to inaccurate late payments being submitted to XXXX, XXXX and Experian on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX 

XX/XX/2020 LATE THIRTY DAYS The company XXXX XXXX has not completed the investigation within the time frame and keeps putting me off even though I have submitted documentation to the company in regards to the complaint. As a result, I would like the negative trade line REMOVED From my account entirely at all three reporting agencies.

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 2020-08-26 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: NJ

Complaint narrative:
XXXX XXXX XXXX reported me late during a pandemic. I was very sick with XXXX and had XXXX. I worked very hard to keep up with payments. I had a deferment. I requested a goodwill late update to never late. XXXX ignored me. I feel that I should receive a goodwill update. I would like late fees deleted I cant afford to pay XXXX I request a goodwill. 
Account # XXXX Product:XXXX XXXX VINXXXX Term:36 Payment Due DateXX/XX/2020 Current Payment Due : {$480.00} Past Due : {$480.00} Total Fees Due : {$110.00}

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 2020-08-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX reported me late during a pandemic. I was very sick with XXXX and had XXXX. I worked very hard to keep up with payments. I had a deferment. I requested a goodwill late update to never late. XXXX ignored me. I feel that I should receive a goodwill update. I would like late fees deleted I cant afford to pay XXXX I request a goodwill. 
Account # XXXX Product:XXXX XXXX VIN:XXXX Term:36 Payment Due DateXX/XX/2020 Current Payment Due : {$480.00} Past Due : {$480.00} Total Fees Due : {$110.00}

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 2020-08-26 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: PA

Complaint narrative:
This is my second time doing this because you guys didn't believe It was me. I am submitting some documents with this to prove that this is me reaching out to you because these companies have violated the law and I humbly am seeking justice. XXXX and XXXX a whole month and some change apart. If you read my letters I specifically asked according to the way the US supreme court cases have been handled and these companies violated over and over again and so I am now reaching out to you guys for the hope of future achievement.

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 2020-08-26 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I love my citi card but they reportd me late when I was sick. I was on a deferment. I dont know why they reported me late I want the card updated to never late please. Dont close my card. I only want my late updated.

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 2020-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal Case ID XXXX In short I sold a phone to a customer on XXXX. I received {$330.00} for this phone through Paypal on XX/XX/XXXX. They told me they'd like to return the phone and I said fine. After I received the phone I planned on returning the phone. I never received the phone. Then Paypal/XXXX   debited my account {$350.00} on XX/XX/XXXX even though I never received the return. Now Paypal is charging me an additional {$370.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: GA

Complaint narrative:
I've paid the balance with Discover in the amount of {$550.00}, XXXX XXXX XXXXXXXX in the amount of {$400.00}, and XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) in the amount of {$10000.00} between XX/XX/XXXX and XX/XX/XXXX via checking account in a settlement in exchange for a removal from my credit reports including XXXX XXXX  and XXXX   However, it still reflects as a closed and delinquent account. Please assist with the incorrect reporting and removal of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: PA

Complaint narrative:
Where do i start. Terrible customer service. Applied for a refinance on their websit. They couldnt set it up as I requested. I sent email after email for them to get it right. They never did. 30 days passed by they cancelled it. Told me to reapply. I asked about the XXXX credit that they advertised and they told me the offer expired. So they didnt help me when I applied the first time getting my application wrong not fixing what I requested no where near a timely manner and then I couldnt get the deal they advertised because they cancelled my application. So now I was out the XXXX XXXX account credit, paying the higher rate on my current mortgage by 2 months and they basically told me I was out of luck. Thier loan officers are incredibly useless and I wouldnt recommend anyone trying to get a mortgage with them. Their slogan should be WORST MORTGAGE no better. Then I went shopping. Found a lower rate and better terms. Sent them the loan estimate to match it and give them a ***** They couldnt. Told me to send them the CD and mortgage from the deal I did get after I closed and I would get XXXX check sent to me. Now Im being told because the mortgage they offered me was a higher rate and the rate I received from the. New mortgage company was lower and a better deal all around I dont get the XXXX because its not the same deal they offered me? What sense does that make? Thier deal is if they cant match they will pay XXXX well they couldnt match and I got a better deal and they still wont honor their word?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collins Asset Group, LLC
State: TN

Complaint narrative:
I was living in the country of XXXX from XXXX to XXXX in XXXX someone opened a personal loan from XXXX XXXX in the amount of XXXX dollars i have sent copies of paper work showing i was not living at a address the the loan was giving to they also said that a few payments where made from a account that i stopped using now the account went into collections from Collins Asset group/XXXX XXXX  If needed i can send a coy of my XXXX government ids and paper work from ssn and the VA hospital XXXX XXXX

Company response to consumer: Closed with explanation