vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CA

Complaint narrative:
I lost my Job in 2019 which placed a Financial Hardship on me and my family. 
I missed 8 payments ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2019 ). 

The representative informed me that there is nothing the company could do about Missed Payments from XX/XX/2019. 
The Missed Payments is placing a hold on my process of Purchasing a Home and or acquiring new lines of credit by having a negative  reflection on my XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I wrote certified letters to all three bureaus to remove all inacurrate data XX/XX/XXXX and todate nothing. I called experian on XX/XX/XXXX to get answers as to why my scores not updated and errors not removed and the agent said it takes 6 months for them to make changes on my report so i just need to wait. 
I am escalating as i know it should not take over 30 days to get results or responses from bureaus. Can you help me please Thanks

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 2020-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
This company has failed to provide validation about this account unknown account that reflects a collection on my report. It's been over 4 months with no verifiable information about this debt belonging to me. This is huge violation of under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). They have also failed to provide method of verification as required under section 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
After a thorough overview of the banking statements I have been charged for monthly maintenance fees, and I have direct deposits over XXXX. 

It was advertised when I started using the product that monthly fees were XXXX if the account had direct deposits totalling more than XXXX. 

On XXXX serve debited XXXX from the account to cover the monthly fee of XXXX with no negative balance. I received an email stating they took the XXXX " instead ''. 

It raised suspicion on fees assessed over my period of time banking with the company and in doing so I have been charged XXXX worth of fees, less other services I've used which charge fees. 

https : //www.serve.com/help/ ( fees chart )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I filed a dispute complaint to PayPal about an unauthorized charge to my paypal account through my PayPal account. I was notified by PayPal that my claim is denied and I has the right to obtain the supporting document for their decision. I followed their instruction asking for the document ; and then, PayPal changes their statement and told me that the related documents can only be requested by USPS mail ( not by email or phone call ). I strongly believe PayPal is artificially creating procedure difficulties to block customers from obtaining critical documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northwood Asset Management Group
State: MI

Complaint narrative:
My sister called me and told me someone contacted her stating that they had her name and my name and social security number " red flagged ''. This was a lie. I told this company not to contact me. To only contact me by mail. 

Northwood Asset Management. 

They misrepresented themselves and mentioned my name to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: FL

Complaint narrative:
I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as : XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX Opened XX/XX/XXXX XXXX/XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.

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 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3.  XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, XXXX XXXX {$750.00}. # 4.XXXX  XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX/XXXX  {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Our original XXXX mortgage was sold by XXXX to Shellpoint Mortgage in XXXX or XX/XX/XXXX. ALL PAYMENTS WERE PAID ON TIME UNTIL SHELLPOINT SOLD TO XXXX XXXX XXXX in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
XXXX XX/XX/2020, I went online on Western Union website around XXXX to send exwife XXXX XXXX. 
The website stated XXXX charge for choosing money transfer within minutes. 
I paid for the western union transaction and within minutes I could see my bank paid XXXX + XXXX fees = XXXX I got email from western union within 10 minutes of this trasnactions stating that would be a 2 hours review.

I called western union Customer Service XXXX XX/XX/2020 around XXXX and they told me because covid19 could take 72 hours for western union to release XXXX I told customer service agent why they don't let customer know in advance that could take 72 hours to release money. If I had knew that my money would be put ON HOLD 72 hours. I would have try XXXX or XXXX or other online vendor that deals money transfers. 
Now I have no other options that to use XXXX to send another XXXX to my exwife because she needs to make payment 48 hours or be late.

western union tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: MD

Complaint narrative:
I submitted a dispute to Experian, XXXX, and XXXX on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.

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 2020-09-02 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: Atlanticus Services Corporation
State: OR

Complaint narrative:
In XXXX of 2019 I ended up almost losing my life because I had a XXXX XXXX. I fell behind on my credit cards and two of which have no interest in helping me with the late reporting on my credit report. I provided documentation and there should be laws to protect the consumer if things out of control occurred. Two accounts were brought current and paid off. Before my XXXX XXXX I had stellar payment history. Fortiva account services is one of the businesses. I was paying for a piece of work out equipment which lead to my XXXX XXXX. It states in my medical record that I can not exercise. They refuse to help. XXXX XXXX I had a XXXX credit card with them. They claimed I dont meet criteria when I almost lost my life. This is extremely wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: LA

Complaint narrative:
I disputed with Transunion that the account reported ( XXXX XXXX  ) is NOT MINE! I never applied for this card. Yet it is on my credit report under my name, social, address, etc. I have no knowledge of this card at all. 

I had lost my wallet and someone returned it to my home. Nothing was missing as I didn't have anything to take in it. I don't keep a lot of cash on hand and I don't carry everything with me. This is the reason why. 

There is no credit card number listed on my report, no terms or term duration. It was opened in XX/XX/XXXX and date of 1st delinquency is XX/XX/XXXX and Delinquency was 1st reported XX/XX/XXXX. This account is on all 3 credit reporting agencies. 

I have had lots of issues come up and checking my credit reports was the last thing on my mind. 

Please look into this. Transunion says it is verified as mine, yet I did not apply for 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 2020-09-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: FL

Complaint narrative:
For several months I have been in constant contact with new servicer - Gregory Funding LLC ( further - GF ) based in Oregon regarding modification application started with previous servicer - XXXX  XXXX XXXX ( XXXX  ). GF stalled my application by asking to resubmit documents which the firm already had from me and XXXX. Most recently, in XXXX of this year, based on suggestion of GF representative, I submitted a written request to consider my offer due to several conditions worsening the current situation including coronavirus. On XX/XX/XXXX, GF 's representative XXXX informed me that my letter had been registered and because they considered it a qualified written request, they would provide a written response within 30 business days. I called several times since to follow up but got the same response each time : " your request is under review '' by " investor '' or a special department. My last call was on XX/XX/XXXX, when rep XXXX again informed me that " it is being discussed with investor '' and " it is still under review ''. I asked her to make a note of the fact that it has been longer than 2 months and this violates my consumer rights and I will complain to Federal government about this violations. I also suspect dual tracking violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: FL

Complaint narrative:
I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as : XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX Opened XX/XX/XXXX XXXX/XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.

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 2020-09-02 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: FL

Complaint narrative:
I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as : XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX Opened XX/XX/XXXX XXXX/XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
LOANCARE COMPLAINT : I refinanced my home in beginning XX/XX/XXXX with XXXX. They subsequently sold my loan to XXXX effective XX/XX/XXXX. The first half of my XXXX mortgage payment went to XXXX, 2nd half went to XXXX, both were {$820.00}. 
Loancare took over servicing my loan effective XX/XX/XXXX, after XXXX filed for XXXX. 
Somewhere along the way Loancare determined that I was missing a payment, but I'm certain I am not. I have been making 2 payments in the prior month on the XXXX and XXXX, for the upcoming month 's mortgage. I can't count the number of times I've contacted them and explained this. Loancare has always removed late fees when I re-explain I make 2 payments in the prior month for the upcoming month 's mortgage, and they look at my account, but then within a month or two, they send me a Reminder Notice to pay my mortgage and there are more late fees and missing 1/2 payment. I have sent my bank statements repeatedly showing I have missed no payments. In early XXXX I had a conversation with them and the CSR pointed out that it looked like I missed a payment somewhere in XXXX of XXXX, but I haven't. I have a XX/XX/XXXX XXXX showing the 2 XXXX payments ( made in XXXX ) and there were no past due amounts. On XX/XX/XXXX I resent all my bank info again to them and they responded " The proof of payment provided is not sufficient. If further research needed please provide the transmittal form from your bill payer to further research your request. '' At this point I'm so tired of going through the same routine, I sent an extra payment on XX/XX/XXXX of {$800.00}, so for XX/XX/XXXX, they received XXXX {$800.00} payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Today on XX/XX/XXXX, I received in the mail a Payment Reminder FOR XXXX, DATED XXXX, SHOWING I OWE THE FULL XXXX AMOUNT WITH MORE LATE FEES TOTALING {$250.00}. FOR OVER A YEAR I'VE BEEN DOING THE SAME THING WITH LOANCARE WITHOUT RESOLUTION.

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 2020-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Dear Customer Relations at ALLY FINANCIAL This letter is in reference to a late payment with the account number XXXX. 

XXXX of 2015 Payment History & Payment Status to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills. 
I have since gotten back on my feet and brought my account up to date with your company. 
I am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 

Sincerely, XXXX 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 2020-09-02 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: CA

Complaint narrative:
Our original XXXX mortgage was sold by XXXX to XXXX XXXX  in XXXX or XX/XX/XXXX. ALL PAYMENTS WERE PAID ON TIME UNTIL XXXX SOLD TO XXXX XXXX XXXX in 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