vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I am a 20 year customer of Bank of America with a perfect payment history. My last statement arrived late in the mail for an unknown reason. I mailed the payment within two days of receiving the statement. Because the mail delay caused the payment to miss the due date, Bank of America cut off use of my card without any notice or warning. Only after having the card declined twice and calling Bank of America was I told that the system automatically cuts of use a card if a payment goes beyond the due date. I use this card for travel expenses when going out of state for medical treatments. 

Please enact a regulation that requires any card issuer to notify a customer in advance if the issuer is going to cut off use of the card so people do not end up stranded or unable to complete a necessary transaction through no fault of their own.

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 2021-01-25 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: EQUIFAX, INC.
State: WV

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: NY

Complaint narrative:
I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. Still received on response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realized due to the pandemic the system is slow but for a 30 day time limited investigation to take over 200 days and still no results to be mailed to be nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before this matter is escalated to the legal channels.

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 2021-01-25 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: NJ

Complaint narrative:
I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. Still received on response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realized due to the pandemic the system is slow but for a 30 day time limited investigation to take over 200 days and still no results to be mailed to be nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before this matter is escalated to the legal channels.

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 2021-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ

Complaint narrative:
I went to the Hospital Emergency room for a XX/XX/XXXX on my XX/XX/XXXX that neededXX/XX/XXXX. Upon arriving at the emergency room I gave the clerk my 3 medical insurance cards. A few months later I received a notification from this collection agency about the past-due bill for my ER visit. I wrote to them in XX/XX/XXXX explaining that I gave the hospital representative my medical insurance cards and that my insurance was never billed for the visit. Therefore I was baffled that I received a collection notice. In the correspondence to the collection agency, I included copies of my 3 medical insurance cards that I had presented to the hospital explaining that my insurance was never billed for the visit. Explaining that the normal procedure is the insurance is billed and after they pay if there is a copayment requirement for the service I would pay it. Once I received the bill stating what the insurance paid and what I was responsible for. On XX/XX/XXXX I received a second notice from the collection agency who I guess has not queried the collection with their client but is insisting that I pay XXXX cash even though I sent them and their client the hospital my 3 valid medical Insurance cards. Yesterday I was notified by my credit reporting agency that a new collection account for XXXX was placed on my credit report. This is totally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am submitting a complaint against Chex Systems Inc., regarding an erroneous report being made by XXXX XXXX XXXX XXXX and an account they are claiming I opened, which I did NOT ooen. For in excess of three months I have requested verification of the debt, specific documents related to the date, the time and date the account was opened, the identifying documents used to open the account, proof that I authorized the account to be opened and any and all contracts or agreements regarding or related to the account. Despite a plethora of requests under Section 609, 611 FCRA, XXXX XXXX XXXX XXXX continues to verify the information as accurate without completing or doing any sort of reasonable investigation and or not complying with Section 609, 611 FCRA. Chex Systems Inc., as furnisher of the derogatory information is required to ensure certain aspects of The Fair Credit Reporting Act are followed ; to date none of the requirements of The Fair Credit Reporting Act have been followed by the furnisher, Chex Systems Inc., as I have not received ONE piece of information from XXXX XXXX XXXX XXXX regarding this disputed item. Chex Systems Inc., is in violation of The Fair Credit Reporting Act by continuing to furnish information that is disputed and not requiring XXXX XXXX XXXX XXXX to comply with The Fair Credit Reporting Act Section 609, 611. I now submit a complaint requesting adherence to the furnisher, Chex Systems Inc., under Section 623 FCRA and request that this be followed pursuant to The Fair Credit Reporting Act.

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 2021-01-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
My mortgage company placed forced insurance on us last year in 2020 regarding our condo hotel located in XXXX XXXX XXXX. The amount was {$3100.00}. I have reached out to my insurance agent and she told me I had plenty of insurance and that she provided that information to my mortgage company. On XX/XX/2020, my insurance agent sent me an email stating that she just got of the phone with Fay Servicing and they stated they will show nothing further is needed to clear my account. Since then, my mortgage company still shows I have inadequate insurance ( which is untrue ) and I don't know what else to do. When I call the company, I can never get a hold of anyone higher than the call representative. It is if I have to plead my case all over again to a new individual. Even if I ask to speak to the person I spoke with before, they tell me they will handle it. I can never get in touch with anyone in the insurance department or management that can help with this issue. My escrow balance is in the negative and I have been paying close to {$400.00} a month more just to stay current with my mortgage and escrow payments. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: WV

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX and XX/XX/2020, I disputed a unverified collection item, XXXX, XXXX Account number XXXX, with this credit bureau and as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to this bureau in XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove thisUnverified collection item because of the Fair Credit Reporting Act that states 30 days of investigation response and the item should have been deleted or verified. 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 explanation
Consumer complaint received 2021-01-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.

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 2021-01-25 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was involved in identity theft, forgery, false pretenses in 2017. Attached is Form 14039 Fraud Affidavit, sheriff 's report plus information on the person responsible. She is currently in a Mississippi XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
My mortgage company was sold to Mr.Cooper dba Nationstar Mtg. Mr.Cooper took almost sixty days to bring my account current, and this was only after I submitted a complaint to the CEO of Mr.Cooper Mr. XXXX XXXX. Because Mr.Cooper was harassing me for a payment that was made to my previous mortgage company that had submitted my last payment, tracking #, etc. all documented, I made an additional payment from savings to keep my account current, because I did not want negative impact to my credit when the sixty days transfer grace period expired. Mr.Cooper then reversed my extra payment, not allowing me to make an early payment, Mr. Cooper also took the monies I sent is as extra funds to be applied to my account 's principal balance and designated them as " unapplied funds. '' Next, Mr.Cooper decided to take those extra monies from me and label them as " fees '' with no explanation as to why the precise amount I sent in to be applied as extra principal had become " fees. '' Mr.Cooper is able to charge the customers as much interest as possible by applying payments made on time on later dates, thereby allowing interest to accrue in favor of Mr.Cooper. Mr.Cooper is not allowing customers to apply additional funds to the principal, and has stolen them from the customer, charging them as " fees. '' Mr.Cooper also has no problem harassing customers on a daily basis via email, phone calls and letters even though the customer has not missed a single payment, has not sent in a late payment, etc. When calls were made, Mr.Cooper employees mention " don't worry about this, it will be taken care of within the sixty days, '' yet Mr.Cooper continues to harass customers. I seriously suspect that Mr.Cooper is looking to gain from customers ' funds by not applying payments in a timely manner, and by taking fees from customers ' accounts. I have never had such a negative concept of any mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: NJ

Complaint narrative:
I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. I still received no response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realize due to the global pandemic the system is slow but for a 30 day time limited investigation to take over 200 days days and still no results to be mailed to me nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before I take this case through the legal system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX 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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I purchased a XXXX bag on XXXX  for {$2700.00} from a seller named XXXX, and paid through Paypal with my XXXX XXXX Credit Card. I received a fake pair of XXXX XXXX shoes, not the bag I paid for. I contacted XXXX about this and after their investigation, they found other fraud activities from this seller and removed this person from their platform. I filed a dispute with paypal to recover my funds, and provided them all the documents I have, including email from XXXX confirming that this seller is a scammer and has been removed from their platform, Paypal asked me to return the item to the seller and promised to issue a refund. I returned the item twice and both times, the USPS returned the package to me because the address the scammer provided to Paypal does not exist according to the USPS tracking. I finally escalated this to my card issuer, but Paypal provided them documents siding with the scammer which made my card issuer to accept that Paypal did nothing wrong. XXXX XXXX closed the case and offered no help whatsoever, then referred me back to Paypal. Paypal informed me that they would have refunded my money but since the case went to my card issuer, they are the higher authority so there is nothing Paypal can do now. I also filed a complaint with the XXXX XXXX XXXX XXXX as requested by Paypal. Right now, I am scammed out of {$2700.00} because I trusted Paypal. I am trying to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I am writing to AMERICAN EXPRESS ( opened XX/XX/2016 ) agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting AMERICAN EXPRESS agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation