vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 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: IL

Complaint narrative:
I have two credit cards through XXXX. Around XXXX/XX/XX/2019 one of my on-time XXXX credit card payments was applied to the wrong account causing the intended account to show 30 days late. After contacting XXXX support several times and their investigating, I was finally connected to a XXXX XXXX XXXX XXXX ) in XXXX XXXX " Executive Response Unit. '' He confirmed that the late payment reported was in error and should not have occurred. He wrote a letter ( attached ) saying that the three credit bureaus would be contacted and told to remove the late payment history ( the only late payment in my 20+ year credit history ). XXXX and Experian have not removed the late payment - XXXX has. Despite submitting a dispute to Experian and including the necessary info they could use to verify that the late payment should be removed, they refuse to do so. I believe this is in direct violation of FCRA. They have information that knowingly shows what they are reporting is false. The dispute from XXXX is still pending. I am including all three companies : XXXX, Experian and XXXX on this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
My Navient student loan did not go into forbearance as it should have with the coronavirus quarantine. Instead they harass me and my parents on the phone constantly ( I am XXXX years old and my parents did not co-sign my loans ). I believe they are illegally charging me fees and interest during a time when the loan should be suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
XX/XX/2020 I canceled a transaction of {$180.00} but I never receive it back the references is XXXX The receiver was XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX My email is XXXX My phone number is ( XXXX ) XXXX XXXX regard

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
XXXX of 2020, I was informed by a family member that a variety of individuals were calling a medical alert number, some starting at XXXX XXXX and leaving voice messages. Theses calls happened daily for the majority of XXXX of 2020. 

XX/XX/2020, my sister sent me an audio message with a woman threatening to take me to court and contacting my employer if I didn't contact the '' filing agency ''. If I didn't do so, she was going to take it as a direct refusal of giving my signature and court would go on without me with the filing agency. 

This woman identified her self as XXXX XXXX. I believe she is associated with " XXXX XXXX '' or Reliable Credit. The other name she left on a third party phone was my former wife 's mother. 

I attempted to fix this issue with the company 6 years ago. They were unwilling to work with me. I have heard nothing from them for over 6 years. 

XXXX of 2020, I received a notification from the Attorney General. It informed me of a multi state lawsuit against XXXX for predatory lending practices and my name was on the list for a loan by XXXX and to expect a settlement from the suit. This institution was used by the parties mentioned. 

I believe they are now attempting to " park ) their debt! 

My sister has called the number from which the calls were made. When the call was answered, the person on the other end would not say anything, and then hang up the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: COMMERCE BANK
State: MO

Complaint narrative:
I made reservations with a website XXXX on XX/XX/XXXX for a honeymoon to take place on XXXX XXXX through XX/XX/XXXX. Due to the covid pandemic XXXX canceled our tip in XX/XX/XXXX. Their phone numbers all led to a robot recording that said to refer to their website and then hung up on you. Then the website and cancelation emails said they were unable to issue refunds at this time and to contact your cardholder to get a refund. I contacted my bank Commerce Bank to dispute the charges and get my money back but they said it was out of their scope since it was past 60 days of booking the services. I am out {$2300.00} total for services untendered of XXXX XXXX. My claim with my bank was made in XX/XX/XXXX. They have denied my claims twice now. I sent them every email communication between me and the XXXX.XXXX  and the phone number for the company as well. I have banked with this bank since I was 18 and they didn't care to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/2019 and XX/XX/2019 ON MY CAPITAL BANK ACCOUNT. PLEASE SEE ATTACHMENT OF THE DISPUTED LATE PAYMENTS

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 2020-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XXXX Santander consumer usa billed me for {$11000.00} dollars and was sent to collections. On XX/XX/XXXX I was incarcerated until XX/XX/XXXX I reached out to the company and they said if I don't pay them it will continue to damage my credit. It's been 52 charge-offs and now the Past due amount is {$3600.00}. They never notified me of the payments and just sent it to collections I now can not rent apartment or get a car because of this mark on my credit report and the company will not help me with this unfair situation. I disputed this claim via certified letter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal allowed an unauthorized transaction from a third party. I notified Paypal that this was an unauthorized transaction and told them I could show them proof of this from the third party 's dashboard - which shows that I'm on a free plan and shouldn't be charged. Instead, Paypal told me they found no evidence of an unauthorized transaction ( without asking for or looking at what I had offered to show ) and told me I had to deal with the merchant. I am absolutely dumbfounded in what they consider " dispute resolution ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-31 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: LEXISNEXIS
State: FL

Complaint narrative:
Received from LexisNexis Services Inc. a credit report on XXXX the report was also sent to my home owners company, XXXX XXXX. In the report from LexisNexis was a Reason Code XXXX that my home owners company, XXXX, said was a Negative Indication of Risk. 

I called LexisNexis Service on XXXX and XXXX concerning the Reason Code XXXX. The people I talked to, talked around the Reason Code XXXX and I was not satisfied with their lack of an explanation. 

Per LexisNexis Services, the Reason Code XXXX is based on this : 1986 year I opened my credit union credit card account. 
81 years, 977 months that my credit union credit card account needed to be open to NOT give me a negative indication of risk. XXXX year when credit union cre dit card account would be open for the 977 months. 
XXXX year I will be XXXX YEARS OLD. 

This XXXX months is unacceptable and makes no common sense. 

My credit union credit card has no history of a late payment or abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: TX

Complaint narrative:
I was shopping auto insurance and XXXX told me that there was a accident claim on my report. They gave me the company information and I went to the company website to ask for a copy of this report and 45 days later I receive a letter in the mail that instructs me to go to a link on their website and enter a code. I did this and the link does not work. I want a copy of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My XXXX year old mother continues to be harassed by debt collectors for 2 Navient private loans she settled in full in XXXX. We have called over and over both Navient and XXXX. A complaint was filed and no response. Its almost been a year. We want this to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: OH

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS ACCOUNT RESOLUTION has two accounts open for medical bill ( office visit to urgent care ) The office visit was paid in cash but never noted in their system. There was an issue with an employee at that office & believe this was done in retaliation. My insurance paid the urgent care its cost but the urgent care still charge me a bill without my knowledge then sent it to collections without ever contacting me. The collection agency was originally -- XXXX XXXX XXXX XXXX then sold it to ARS ACCOUNT RESOLUTION -- - who have an account open without my knowledge of a debt that isn't a debt and was paid for already! i have proof from my insurance.

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 2020-12-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: WI

Complaint narrative:
So Wisconsin uses epic card as a means of child support deposits in XXXX there was a fraudulent charge and I had did a lost or stolen card so no more money would be taken out. 
By doing this calling back to try to dispute the charges it would not allow me to do so until a new card arrived which took 2 weeks. 
When I received the new card I immediately called to dispute the charges and to try to retain my money back I was transferred several times each time being an hour on the phone so far to this point I've spent over seven and a half hours trying to receive my child support money back. 
I was sent paperwork to fill out and the representative said if I fax it that I should get a reply within 5 days. I faxed the paperwork via XXXX I paid {$5.00} to do so I got a confirmation that it was sent on XX/XX/XXXX. 
The company is website policy states that if a decision is not made within 10 days that you will get your provisional credit back as they still continue the investigation. 
Yesterday I spent 2 hours on the phone and was told that no one has actually looked at my paperwork and although their website States after 10 days I would get my provisional credit back they refuse to give me my money back. 
Their website also lists their policy as if fraudulent charges look to be happening they would call you I explained to them this is partly their fault for not doing their job as there were charges multiple very suspicious being through one second at a time all were denied and I was charged point of sale denial fees for each time this was done. 
I have never in my life had such a hard time trying to regain fraudulent charges especially on a card that is for child support this year alone they've charged me over {$60.00} in fees for charges some of them I don't even know of it's not the first time my card has been hacked I never got my money back for that and I was once again charged multiple point of sale fees. 
This company is beyond despicable and I don't know how they are able to get away with taking money not following their policies and having me spend seven and a half hours on the phone trying to receive my money back. 
Many times they hung up on me and all I want is for them to follow through with their policies listed under their terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/2019 and XX/XX/2019 ON MY XXXX XXXX  ACCOUNT. PLEASE SEE ATTACHMENT OF THE DISPUTED LATE PAYMENTS

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 2020-12-31 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: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/2019 and XX/XX/2019 ON MY XXXX XXXX ACCOUNT. PLEASE SEE ATTACHMENT OF THE DISPUTED LATE PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I will attempt to make this short and sweet. I am downsizing and I notice that my Comps are approximately XXXX mil to XXXX mil in XXXX, MD for my current home. The comps are no where near the estimated XXXX mil cost of my home brought in 2008 despite excellent and upgraded condition. I know when I mortgaged my home, I was compared to several homes of equal value or more, i.e. ( comps ). However, upon reviewing the original Comp appraiser documents this week, I was told by several realtors currently I cant use the water front properties as comps although that was the case that my bank, Suntrust, used to qualify me for a XXXXmil loan in 2008. The homes in XXXX have not decreased by 25 %, so why has my home done so. I found out I was overcharged using False Comps ( waterfront ). Im trying to sell my home to downsize, moving with my job. I cant do it without coming up with MORE money. Unfairly, fraudulently treated.

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 2020-12-31 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: OH

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: OH

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2021-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had money in a cd account because it was being used as a deposit for the XXXX  XXXX XXXX credit card. Bank of america closed my account without telling me. I was informed that I was suppose to get a refund of {$110.00} which is the annual fee and the rest of the balance on my card. 
I also have money in a cd that is ending in XXXX. I have gone to bank of america twice and they refuse to releasee my funds. On XX/XX/2020 I went to bank of america and spoke with XXXX XXXX. He opened a case to have the funds released by XX/XX/XXXX. I then get a letter stating that Bank of america stating they are unable to process my request to release the funds for account ending in XXXX as the funds are currently on hold. I then went again to the branch on XX/XX/XXXX and spoke with XXXX XXXX who did the exact same thing as XXXX. To date I still have not released my funds. This is pretty egrigious because anytime they department that is holding my money is closed. So its like when am I going to get my money because the department is never open. Its been months since the account has been closed and bank of america is holding my funds, which is not acceptable

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 2020-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
SLS makes it extremely difficult to SLS makes it extremely difficult to contact a representative regarding getting an extension on my mortgage loan due to economic hardships doing Covid-19. SLS locked me out of my home and put a lockbox on it. I had to spend several hours on the phone to get this straightened out. On XX/XX/20 I contacted SLS because I received another letter. I was disconnected twice and spent 2 hours speaking to four different representatives. I was told that I needed to download a 18 page application. I was told very harshly if I didn't pay my XXXX payment I would be reported to the credit bureau. The only representative that showed care was XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service of Nevada
State: NV

Complaint narrative:
This whole case with XXXX XXXX XXXX is nothing but a fraud. They have put on fraudulent get bill to me for XXXX dollars that falsified the document. If you look at page one on the documents that I have posted you will see a total of XXXX XXXX them. If you called your document number 2 you'll see that the carpet charges and all the relevant charges that should have been presented correctly or not balance balancing out on the payment. They do not have billing statement showing the charges for the maintenance supposedly that I have doja the apartment. I want these documents overlooked again and I want this case dismissed with XXXX XXXX  XXXX immediately. I re filed for another case and then this issue it will be dismissed without prejudice. I'm gon na continue the fight it as long as I can get these people in trouble for what they've done to me and trying to wreck my credit and financial stability. XXXX XXXX is a XXXX neighborhood lousy service lousy plumbing and they don't do anything for the residents there. there's dog XXXX all over the place and you don't have any parking for your vehicle. XXXX XXXX damage done to the vehicles that are parked in their parking lot and it's just a big mess over there in the only way that they can make any money is to just raise around and not do the maintenance period

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