vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX  should not be reporting a collection in the amount of {$2300.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) I have XXXX  XXXX and was not able to continue to live in the apartment I was renting due to a neighbor smoking XXXX. The smoke was permeating my apartment and it was intolerable. A legal substance or not, I rented the apartment because it was no smoking. If the neighbor in question was smoking cigarettes I would still have had the same issue. I can not tolerate smoke and/or smell of any kind due to my XXXX XXXX  reactions. I have attached a copy of a letter from my Physician verifying the physical reactions I have due to toxic smoke in or near my immediate person. I sent a letter to XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX outlining my concerns and the health issues I suffered due to XXXX XXXX unwillingness to let me out of my lease and forcing me to stay in the apartment. XXXX had a responsibility to provide me with a safe and healthy place to live and they failed. We could have come to some resolve if the management would have been willing to discuss the situation with me however, they never responded to any of my letters and/or phone calls. I had not choice but to vacate the premises. My health was the most important issue and I received no support from the apartment complex. Consequently, this collection was sent in error by the apartment complex and this false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: GA

Complaint narrative:
XXXX  and Transunion should not be reporting a collection in the amount of {$2300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) I have XXXX  XXXX and was not able to continue to live in the apartment I was renting due to a neighbor smoking XXXX. The smoke was permeating my apartment and it was intolerable. A legal substance or not, I rented the apartment because it was no smoking. If the neighbor in question was smoking cigarettes I would still have had the same issue. I can not tolerate smoke and/or smell of any kind due to my XXXX XXXX reactions. I have attached a copy of a letter from my Physician verifying the physical reactions I have due to toxic smoke in or near my immediate person. I sent a letter to XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX outlining my concerns and the health issues I suffered due to XXXX XXXX unwillingness to let me out of my lease and forcing me to stay in the apartment. XXXX had a responsibility to provide me with a safe and healthy place to live and they failed. We could have come to some resolve if the management would have been willing to discuss the situation with me however, they never responded to any of my letters and/or phone calls. I had not choice but to vacate the premises. My health was the most important issue and I received no support from the apartment complex. Consequently, this collection was sent in error by the apartment complex and this false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-07-20 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: FL

Complaint narrative:
I have yet to receive any type of response from the Credit Reporting agencies on things I disputed. The first time I tried was XX/XX/2020 and then again XX/XX/2020 what is going on. I don't see anything that indicates because of this Covid they are allowed more time and even is that it's been over 3 months ....

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 2020-07-20 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: FL

Complaint narrative:
I have yet to receive any type of response from the Credit Reporting agencies on things I disputed. The first time I tried was XX/XX/2020 and then again XX/XX/2020 what is going on. I don't see anything that indicates because of this Covid they are allowed more time and even is that it's been over 3 months ....

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 2020-07-20 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: IN

Complaint narrative:
I have been trying for 16 days to get access to money paid to me through PayPal ( PP ). PP is not doing live customer service. I have asked to talk to a supervisor and was told it would be " a long time before a supervisor would be in contact '' with me. The only way to get assistance is through messaging. I receive a message, usually once a day, coming in sometime in the afternoon. Each time it is a different person. It appears that none of them read the thread as I get conflicting instructions and information, each time. I am not able to access my money without linking my bank, but the system rejects me when I get to ( what I think ) is the last step of linking, which is adding my phone number. I have added my phone number into my account so why it is not able to access it or accept it is beyond me. Samples of advice I have been given : " After reviewing and validating your account, our system is not allowing this bank to be added on your account. Our system runs security check considering a variety of factors. For the meantime, please consider linking a different bank or perhaps you may try to link a card that you can use to withdraw your money. '' I bank with the largest bank in the U.S., so this is absurd. I am given instructions that ignore my statements about the error I receive. If it a complete joke. I am not able to transfer my money, nor get a check sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I HAVE TRIED NUMEOUS TIMES TO RECEIVE MY SETTLEMENT PAID LETER FRO LVNV RESURCHANTS CAPITAL XXXX WHICH HIRED AN ATTORNEY XXXX XXXX XXXX TO COLLECT THE DEBT. I SETTLED THE ACCOUNT WITH THE ATTORNEY. THE ACCOUNT WAS REMOVED FROM MY CREDIT REPORTD AND ALSO REMOVED FROM ANY JUDGEMENTS. HOWEVER RESURGENTS CAPITOL REFUSES TO ISSUE ME MY SETTLED IN FULL LETTER 3 TIMES WHEN I CALLED THEM IN XXXX EVEN THOUGH THEIR OWN ATTORNEY HAS RELEASE OF ANY OBLIGATION From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2020 XXXX AM To : XXXX XXXX XXXX Subject : XXXX : XXXX matter # XXXX I JUST CONTACTES RESURGENTS CAPITOL AND THEY STILL REFUSE TO ISSUE MTE A SIF LETTER AND REPORT THIS TO MY CREDIT REPORTING AGENCIES BECAUSE THEY STATE THAT YOUR FIRM STILL DID NOT RELEASE MY INFORMATION TO THEM WHICH INTIL THEY DO THEY WILL NOT ISSUE ME ANYTHING AND THEY REFUSE TO CONTACT YOUR FIRM TO VERIFY THIS INFORMATION. I HAVE PAID AND DID MY JOB TO SETTLE THIS I SHOULD NOT BE GOING THRU ALL THIS AGGRAVATION FOR SOMETHING I TOOK CARE OF. I SENT A COMPALINT TO CFPB AND THE FTC BECAUSE NOTHING ID BEINF DONE TO RESOLVE THIS MATTER WHICH I HAVE DID MY PART TO FOLLOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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:
address wrong: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 

accounts not mine 
XXXX XXXX XXXX  dept of ed/ XXXX  (all)
XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu (all)
XXXXXXXX XXXX XXXX  card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA compass bank has charged me over {$320.00} in fees over the last 90 days. They are not putting my transactions through in the correct order so that they can charge me several {$32.00} NSF fees. Although when I set up my account I told them I didn't want overdraft protection. And they still put it on my account. On XX/XX/XXXX I was charged 5 {$32.00} NSF fees and I called the bank and told them I wanted the overdraft protection removed. I have been charged 2 more {$32.00} NSF fees since then. The bank has refused to refund these charges and I'm having to pay for services that I previously requested to have removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: U.S. BANCORP
State: MA

Complaint narrative:
My wife and I hold a VISA card through our local bank, Eastern Bank ( where we have checking and savings accounts, a car loan, and business accounts ), furnished by Elan Financial Services. A payment was due on XX/XX/2020, and we missed that payment date, only after contacting Elan, via the number on the back of our card, a month earlier letting them know that COVID-19 had affected our ability to make the minimum monthly payment on-time. We were told that there would be enough time to make payments and that no late fees or credit reporting would happen if we were late. They then had the audacity to charge us a {$40.00} late fee on XX/XX/2020, the day the payment became due. Just 12 days later, on XX/XX/2020, I went online and made a large payment of {$680.00} ( way beyond the minimum due on XXXX ) to make up for the missed payment, once we were able to get a little money together and pull cash from our savings to make the payment in good faith that the late payment would be reported. I have recently learned, through my credit monitoring account with XXXX, that Elan reported the missed payment date and effectively dropped my credit score by 44 points. I disputed the reporting, but XXXX  was unable to overturn the reporting because Elan told them it was valid. I am beyond frustrated by Elan taking advantage of its customers and will be sending this complaint to Senator XXXX ( XXXXXXXX ), because I think she would love to hear about this story as well. This is one predatory company that should be investigated.

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 2020-07-20 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: MO

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 120-150 ) days  late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and SSN card for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-20 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: MO

Complaint narrative:
XXXX ; Experian and XXXX  should not be reporting that I am ( 120-150 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and SSN card for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have tried multiple times since XX/XX/XXXX to reach a real person at Equifax in order to lift a security freeze on my credit report. I was initially blocked from doing so when I tried online and prompted to call Equifax. It is simply impossible to reach them as each time you call you are prompted to enter information on accounts that are impossible to give the right answers to as you are blocked from your credit report in the first place and many of the questions sate from 10 or more years ago. I finally was able to get through to an agent and was told to fax identifying info to Equifax, which I did a week ago and was told it would take 5 to 7 days to lift the freeze and I would get letter by US mail when it happened. A week later and I may lose an apartment to rent because they still have not unlocked my credit report, and I still can not get through to a live person to find out what the delay is. I need them to call me directly to discuss this matter. 

It is totally unacceptable the manner in which they make it impossible to talk to a live agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: MO

Complaint narrative:
I disputed XXXX XXXX on XXXX XXXX as this was an account that was included in my bankruptcy. XXXX sold this to the collection agency after I had already had a XXXX collection agency removed in XX/XX/2020. This is not owed. I have disputed with XXXX and both collection agencies and they still reported 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 2020-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
This is my THIRD complaint regarding Paypal/Synchrony Bank. It appears they have straightened out the {$170.00} error but my monthly payment is still incorrect. My monthly payment should only be {$110.00} per my statement/Easy Payment Purchases yet I continue to be charged {$140.00}. This is the FOURTH MONTH in a row that I am bring overcharged!!! I have called and left messages and no one is returning my calls to get this matter taken care of.

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 2020-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I sent a letter to the collection agency on XXXX the XXXX, 2020 asking for a Validation of the debt. Its been over 30 days and I have not received and Validation from them. I want this  removed from my credit report I have no knowledge of such 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 2020-07-20 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: MO

Complaint narrative:
I disputed XXXX XXXX on XXXX XXXX as this was an account that was included in my bankruptcy. XXXX sold this to the collection agency after I had already had a XXXX collection agency removed in XX/XX/2020. This is not owed. I have disputed with XXXX and both collection agencies and they still reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: MO

Complaint narrative:
I disputed XXXX XXXX on XXXX XXXX as this was an account that was included in my bankruptcy. XXXX sold this to the collection agency after I had already had a XXXX collection agency removed in XX/XX/2020. This is not owed. I have disputed with XXXX and both collection agencies and they still reported 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 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I was given 2 prepaid cards valued at {$100.00} each from American Express Prepaid Gift Card,  Prepaid Card Management, XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona, XXXX, with an expiration date of XX/XX/XXXX. I believe I received them in 2018. They contain a $ XXXXmonth service charge and so, when I went to use them, they had no value. That warning about the fees is in small type ( 6 points? ) and barely visible on the card. I have tried contacting American Express and they say that the $ XXXX month fee is legitimate and so, after 30 months, they cards have no value. Are there no consumer laws protecting us on this? The monthly-fee advisory is not prominent on the card and the card are valid until XX/XX/XXXX, they say. 

XXXX XXXX XXXX, AZ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently moved to my new address. My capital card was expired and I did not receive the new one for a long while. My payments were apparently going to the old account. Until I called the company and they resent me a new card to my new address. 
Unfortunately this mistake caused me a late payment on my report and ruined my score big time. Although as soon as I found out about the mistake, i paid my portion immediately and every time ever since the payment was paid on time, my account has not been cleared and the late charge is still on my credit report. This has caused me lots of problems as far as getting loan for my car and be eligible to get good rate on home loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$1900.00} on the XXXX STUDENT LOAN partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and Bank Statement for verification of my identity so the bureaus will investigate my complaint. ) I had been diagnosed with a XXXX  XXXX and was not able to attend classes anymore. I spoke with the college administrators and explained my extenuating circumstances and provided all documentation needed to show that I no longer could attend the program I was enrolled in. I was not physically able to get to the school campus and/or classrooms. My request to drop the program and not be charged was granted and the school agreed that I would not owe for the remaining time. I was assured that this account would not go collections nor would it be reported as a collection on my credit report. Unfortunately, they did not hold up their end of our agreement. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation