vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 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: NC

Complaint narrative:
In XXXX of this year I had two collections items added to my credit report. These items were reported to me on a Sunday. ( old hospital bills ) The following Monday these bills were paid in full. Needless to say these items hurt my credit score tremendously. this was very painful and embarrassing to say the least because I was in the process of buying my first home with my wife. I worked very hard to get my credit to where it needed to be costing me thousands of dollars. Only to have 50+ plus taken away from me overnight. This was all totally my fault and I accepted that. All that I could do was pay the account off and hope that the credit bureaus would restore my points immediately. XXXX did just that! They gave me all of my points back as soon as my accounts were reported to them as paid in full. Experian did acknowledge that the accounts were paid but did not and have not restored my points to this day. I have disputed this with them on more than one occasion yet they refuse to give me my 50+ points back. Needless to say that this affected my ability to qualify for my home. The mortgage lender told me that it was best that I be left off of the loan until I had this fixed. My wife demanded that I be put on the loan so therefore I was, but it hurt our rate and made our monthly payment go up roughly {$400.00} a month. Experian has basically told me to XXXX it up and that my score will go back up over time. I can not get an acceptable response from experian or anyone else for that matter as to why they will not restore my points. I want an explanation as to why and also want to know what can I do moving forward to get some type of closure because i do not intend to let this just be swept under the rug. If the debt was paid in full and XXXX restored my points immediately then why does experian not have to be do the same thing? I want to know who Experian has to answer to because its obviously not me.

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 2021-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Original credit company, XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX credit card ), charged off account that was later sold to XXXX XXXX XXXX. Both were on my credit report. When I called to pay/settle the account I was told I couldn't pay to XXXX  but only can pay XXXX XXXX. So I settled for XXXX on XX/XX/21. I tried to dispute with comenity capital bank but they wouldn't handle it and told me it wasn't there responsibility any longer because they sold it to XXXX XXXX. XXXX has updated the file but XXXX XXXX XXXX  is still reporting the same account as a charge off. I then disputed with equifax, XXXX and XXXX  along with copies show proof but they only updated XXXX and all will not update to paid/settled for XXXX XXXX XXXX  XXXX Even though the letter clearly references that the original creditor is XXXX XXXX XXXX. I am filing a complete because I need XXXX XXXX  and credit bureaus to update my status to settled and not charge off with XXXX balance. Your assistance is greatly appreciated. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I PAID my bill on the card web site onXXXX at XXXX XXXX for {$39.00}. GoT a confermation # XXXXThis payment was for a purchas fromXXXX from XXXX for {$36.00}, and they tacked on {$3.00} in INTREST AND OTHER CHARGES, when I paid my bill on time the previous month! THAY PUT A HOLD ON MY CARD BECAUSE THEY COULD NOT FIND THE PAYMENT for {$39.00} I owe {$120.00} on a {$6000.00}, limit card, and they put a HOLD on this card!!! I DO NOT EVEN THINK THIS IS LEAGLE!! THEY NOW WILL NOT TAKE THE HOLD ON THE CARD OFF UNTILL they fix THEIR MISTAKE, ABOUT 30 DAYS!!! I have had upwords of $ XXXX XXXX on this card and this NEVER happend! It has ben in the last year or so thet I eve had PROBLEMS with this card that I ave had FOR OVER 10 YEARS!! I give my PERMISHION to check!

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 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
There is an extra {$40000.00} on my payoff. I have provided them with documentation that this was to be forgiven if I made 12 on time payments. I have disputed this for a month and it is holding up my the sell of my house.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: CA

Complaint narrative:
On XXXX a payoff check was sent to Carvana/XXXX in the amount of {$67000.00} matching the payoff quote given to me by Carvana/XXXX on XXXX indicating a 10 day payoff amount of {$67000.00} good until XXXX. 

The payoff check was received by Carvana/XXXX on XXXX as indicated by my online portal at XXXX. The account showed " Paid in full ''. 

On XXXX a check in transit for the next months payment was received by Carvana/XXXX after the account was fully paid off and was cashed by them. The online portal showed it as a " NORMAL PAYMENT '' even after account was paid off. 

On XXXX I received a check from Carvana/XXXX in the amount of {$110.00} which does not reflect the correct overpayment for the payoff. I should have received {$110.00} for the time between the check was sent and the expiration of the payoff quote which I agree with, but I should also have received the additional payment that was received by Carvana/XXXX  after the payoff and that was cashed by Carvana/XXXX. The amount of that check was {$1100.00}. 

In total I am owed a refund of {$1200.00} of which only {$110.00} has been paid to date by Carvana/XXXX. The additional amount still owed is {$1100.00} that was received and cashed by them after the account was already paid in full. 

Upon calling CarvanaXXXX at XXXX on XXXX at XXXX Pacific Time, I was informed that they have no timeframe on when I can expect my {$1100.00} refund and that it is still being worked on, several weeks after the account was already paid in full. 

Additionally, they informed me that there was no time frame upon which they will release the title to the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX {$74.00} owe the account show open XX/XX/21 Account Number XXXX  This account is a fraudulent account that EXPERIAN Reporting. 

XXXX XXXX XXXX # XXXX this account reporting {$360.00} FRAUDULENT amount which Experian has a POLICE REPORT on FIle with this Fraudulent amount of {$360.00} Police Report Number XXXX. 

XXXX XXXX XXXX # XXXX The Original Creditor XXXX XXXX XXXX Experian keep Changing the Creditor every time I dispute it also under the name XXXX XXXX XXXX XXXX XXXX WAY Is The Original Creditor For This Account I have send EXPERIAN Proof of the court Order Dismiss by License California Judge court ordered Dismissal. EXPERIAN REFUSE TO REMOVE 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 non-monetary relief
Consumer complaint received 2021-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX intuition in XXXX XXXX flordia approved a loan application with me as a primary student. I have not attend this school. I have contacted the school along with navient. I have produced documentary to show this error however I cant get this resolved. I need to be removed from the student loan obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Wave Financial USA Inc.

Complaint narrative:
Please, I am XXXX XXXX from XXXX, Firstly, I did Registered to Opened Online Account to that Company Call, XXXX : ( XXXX ) for Some Weeks ago and Again, Created Some Companies Invoices Receipts Retainers to that Company, But that Company had Refused to Processed my Payment Claims Transfer for me to my VISA CARD or BANK ACCOUNT, Up till now, So I want your Company to help me and Use my Details to Check from that Online Company : ( XXXX  ) and Process to Recover all my Past Invoices Receipts Payment for me to my Visa Card or Bank Account now and Send me the Payment Transactions Transfer Receipt by My Email now, So I am waiting for Reply now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: Statebridge Company
State: TX

Complaint narrative:
Statebridge had a problem with their website and I was unable to get a hold of anyone on the phone and in-between several family members XXXX over the past few months from XXXX I have been a little distracted I admit. They put a late payment on my credit report which wouldn't have been there if they would either answer the phone or their website were functioning properly. When I reported it on XXXX they changed it to 20 late payments and that is not accurate at all. They need to take all the late payments off my credit report and answer their phones and reply to emails. I tried to contact them to discuss this, but again, they don't answer the phones so I can't discuss. I even tried to email and I have heard nothing back. It has been over a week. They need to take all the late payments off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
Problem started First week of XX/XX/XXXX, after 100 % XXXX sought escrow to be reduced because of property tax reduction that would decrease our monthly payment over {$130.00} or more and as I contacted the mortgage company and asked what they needed and sent in the awards letter and the new tax estimate directly from the property tax commissioners office with his name and telephone number on the paper ( I submitted 4 times to an XXXX that identified herself as in the escrow DepXXXX of the mortgage company.. The Company on several occasions even spoke to a 3rd party including me on the call From a XXXX XXXX  company verifying if I had a mortgage with this company and they said on several occasions our loan number was not with them ; however, we have never missed a payment or had a late payment in any mortgage history. We have been canceled by 2 reputable mortgage companies because this company placed us unknowingly on a forbearanceXXXX XXXX XXXXXXXX situation that was explained to us by another mortgage company that we were blocked from securing refinancing because of this major decision made by the mortgage lender without our knowledge and consent the lady XXXX called me on XX/XX/XXXX and said everything had been corrected and our records were clean and I requested a letter stating this because we need PROOF that we never asked to be put on forbearanceXXXX XXXX as this s has caused us major intentional delay and excess spending because of this company not honest and willing to correct and release accurate information on our account.. they have been collecting our money including the call on XX/XX/XXXX and paid on the phone with a confirmation given to be called again by XXXX on XX/XX/XXXX saying payment didnt go through and I told her this is out of order and I will not be penalized for her mistake and checked with my bank from another line and they said that amount was not taken she promised that since it was their fault about the transaction there would be no late charge.mind you as I had received the XXXX statement prior to call and checked my email XX/XX/XXXX and the Company has issued another statement with a {$30.00} late fee! PLEASE HELP US RESOLVE THIS AS WE FEEL THAT THE MORTGAGE COMPANY SHOULD REIMBURSE US ALL THE EXTRA MONIES WE PAID ON OUR MORTGAGE AT THE HIGHER INTEREST BECAUSE THEY INTENTIONALLY DID THIS TO US BECAUSE THEY KNOW WE HAVE NEVER MISSED A PAYMENT AND WANTED TO REFINANCE WITH ANOTHER COMPANYTHE MONTHLY REFUND SHOULD BE GIVEN FROM XX/XX/XXXX THROUGH PRESENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc.
State: IN

Complaint narrative:
I was trying to make a payment to XXXX XXXX XXXX. 
The payment was due on the XXXX of each month. 
Made a payment online and received a message that confirmation was delayed but would be sent in 30 minutes. 

Tried the process twice, made copies of the error message. 

Received an email that my payment was late. 

This has happened twice since I received the card. 

A customer service representative called me about my late payment. 
Informed him of the problem I was having. He told me he does not handle that department on late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Unfortunately this is likely moot at this point however I received approximately {$1300.00} of AMEX gift cards for XXXX of XXXX and i used some but retained a good portion of one to utilize for my birthday in XX/XX/XXXX. There was almost {$300.00} remaining on one of the {$500.00} cards which i attempted to use at XXXX 's XXXX XXXX in XXXX XXXX XXXX and come to find out the balance was stolen. Needless to say i was more than embarrassed and used my own CC to pay for the meal. I contacted AMEX as soon as i returned home and was advised that they don't replace or refund gift cards! I couldn't believe what i was hearing but the rep wouldn't even take a complaint or report. I was disgusted but never pursued the incident further but did write a scathing review online. My son just found on the XXXX XXXXXXXX XXXX site that there is a {$30.00} refund for an AMEX gift card, purportedly the one I've referred to. I no longer have the cards because I trashed them after AMEX gave no satisfaction however now I would like to lodge a formal complaint. My friend would have been mortified to find the gift he generously gave was unable to be utilized so I never even told him but in the event AMEX does ask you his name is XXXX XXXX XXXX. Please let AMEX know that as a supposedly reputable company they should stand behind the products they sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Since XX/XX/2021, every time I've made a payment AMEX has refused to let me use my line of credit unless they called my bank to verify that I have money in the account or that the payment was posted. They even blocked my card and made me verify my bank details when I attempted to buy a bottle of juice of the train. This was never the case before then. My XXXX  friends who have the same card are never forced to verify that they have funds before using their line of credit. This makes traveling extremely inconvenient. At first, their excuse was that I was randomly selected to verify my information. Then it was that I tripped security protocols without emphasizing what exactly happened to do it. On XX/XX/2021, and XX/XX/2021 their dashboard claimed that a payment was returned for insufficient funds. Not sure if it was because of the weekend or holiday but in my bank statement it showed that AMEX took the money from the account without issue. They revoked my entire line of credit because of it. I was forced to call my bank again because I knew that was a lie. They did not leave a note updating this discovery for the next agent. They did not remove the false returned payment listed in the dashboard. Each time I make a payment I am forced to call my bank to verify redundant information and each time my bank sides with me. I believe American Express is discriminating against XXXX cardholders. There is no reason why I have to verify my bank each and every time I make a payment to access my line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX had a problem with their website and I was unable to get a hold of anyone on the phone and in-between several family members XXXX over the past few months from XXXX I have been a little distracted I admit. They put a late payment on my credit report which wouldn't have been there if they would either answer the phone or their website were functioning properly. When I reported it on XXXX they changed it to 20 late payments and that is not accurate at all. They need to take all the late payments off my credit report and answer their phones and reply to emails. I tried to contact them to discuss this, but again, they don't answer the phones so I can't discuss. I even tried to email and I have heard nothing back. It has been over a week. They need to take all the late payments off 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 2021-09-20 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: WA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Applied for and received an American Express XXXX XXXX XXXX ending in XXXX. I complied with terms of the promotional offer but was not awarded my welcome bonus. I confirmed twice during phone calls that I was eligible, but the bonus was not honored. On XX/XX/2021, I was told it was not honored because I have a credit card with XXXX. First, I did not authorize my information to be shared under Regulation SP. Second, I do not have the exact card with XXXX. Of course, I was told the exact opposite and relied upon that in both opening and using the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
If contacted the debt collector 10 times to validate the debt they have yet to respond. This is not my debt

Company response to consumer: Closed with explanation