vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 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: TX

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly a balance due of {$180.00} on the XXXX XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the email correspondence ( copy attached ), the loan company will request that this loan be removed from my credit report entirely when the report of repayment has posted. This account has been paid in full and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been trying in vain for several months to go online and dispute a collection on the Transunion webpage. It will not allow me to access the Dispute page and I have called and spoken to reps who have been useless. They just tell me to restart or use another browser which is ineffective. It is not fair nor legal that they place erroneous information on my credit report but that I can not even access the report to see what the information is or to dispute 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 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly a balance due of {$180.00} on the XXXX XXXX   XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the email correspondence ( copy attached ), the loan company will request that this loan be removed from my credit report entirely when the report of repayment has posted. This account has been paid in full and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: TX

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a balance due of {$180.00} on the XXXX XXXX   XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the email correspondence ( copy attached ), the loan company will request that this loan be removed from my credit report entirely when the report of repayment has posted. This account has been paid in full and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I was notified on XX/XX/2020 that my chase bank account would be closed and I have no idea why my account is being closed. I have been having problems with this account from the start of opening the account. My account was locked for no reason at all and now I cant access any of my money. I just wan na know when my check will be mailed to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tesla, Inc.
State: CA

Complaint narrative:
job number XXXX inv # XXXX {$2700.00} previously I had a balance of XXXX and its been going up as I don't take care of it but I am not paying something that I don't owe!! people from XXXX knew my panels were never turned on!!!!! and yet they want money from me I tried taking care of this issue but it seemed they still want to steel my money they are harrasing me and my husband and even my sons they need to stop and now we received call saying to just pay {$500.00} and everything will be closed and some other representatives say pay XXXX and close account!!! I'm tired of them calling me and asking for money I don't owe at the same time being how could I have paid sp much electricity thru XXXX XXXX  XXXX and still owe them too why in the world would I think I OWE THEM! if I have paid my electricity bill thru XXXX XXXX XXXX I need a perfectional investigation to help out and see we are willing to pay them what is real owed to solar city if panels where on for what period of time and an explanation of why we stilled paid XXXX XXXX XXXX and if I need a reimbursement from XXXX XXXX  XXXX back. if you can see I did a claim already and nothing worked! you will find the original statement and balance its not fair to be harrassed like that and pay something you now you just don't owe! reasonable for the time fram saying that panels were on for what they said is $ XXXXNOT {$900.00} OR WHAT THE LAST LETTER IS ASKING FOR. 
nothing was explained thru them everything was more of a hurry to get us screwed in its all supposed to be for a better benefit and saving not money Steelers. they say we need to have panels remove they can come take them away anytime!! if they are just on top of my house for no use never turned on or anything wont make a difference but if they are will to do things right and turn them on and start fresh the correct way a company should specially them being such a big company I have neighbors that are also dissatisfied with them as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I woke to find a Summons ( XXXX ) lying on a bench on my front porch, not in an envelope, with all of the information exposed to the public. 

I immediately sent an email notifying the attorney firm, Gurstel Law Firm, PC that the XXXX 's debt was included in my husband 's bankruptcy ( XXXX ) which was discharged XX/XX/XXXX. The request was made to have Gurstel Law Firm file a Motion to Dismiss within the email. 

On XX/XX/XXXX, I received correspondence asking " to work towards an amicable resolution ''. After XXXX attempts to contact the law firm on XX/XX/XXXX, I finally was able to speak to XXXX in Collections whom notified me that the file ( XXXX ) was with an attorney being reviewed since XX/XX/XXXX. 

XXXX ( who is based in Washington ) asked that I call back in a " few '' days to find the status. My desire was to not have to spend funds that were needed to file an answer and Motion to Dismiss. As this is not a " legal '' lawsuit for collection. 

In the past well before this summons was issued, the debt collectors and XXXX 's were notified of the bankruptcy and request to cease collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/19 I purchased an item from an online vendor for {$100.00} on my American Express. The goods were listed as in stock. The following day I received an email from the vendor stating the goods were on backorder for approximately 9 weeks. I sent follow-up emails on XX/XX/19 and XX/XX/19 to the vendor and didn't hear back. I requested to cancel the purchase and still didn't hear back from the vendor. I initiated a dispute via American Express. The dispute was rejected because I didn't dispute the charge within 60 days ( the customer service representative said 60 days was " international law '' ), despite me showing proof the vendor requested additional time for a backordered product. So basically, I'm being forced to pay for a product that was never received and my credit card company won't back me despite getting no contact from the vendor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Around a month ago, I called Bank of America through the app. During such a call, I asked to transfer refund on my credit card to my checking account. The representative at the time said it was not possible. However, sending a check was possible. 2-3 weeks later, I call back. This second call, the guy said it was possible to transfer between account and it was faster. Since it was this late, to wait one more day to see if the check arrived. Did not arrived. Third call, I ask to place a stop on the check and ask to start the transfer. They agree. Some times later, I found out they send out another check instead of initializing the transfer between my account. The amount of time I called for this mistake to occur mean I'm either unlucky, Bank of America has really bad customer service, or Bank of America facilitate keeping money in their arsenal for as long as possible. It's really feel terrible to not have cash to pay for a promise just cause of something entirely out of my control. I guess if you're poor, you should avoid credit cause 1-3 percent cash back is not worth it. Credit score being as big as it is kinda 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 monetary relief
Consumer complaint received 2020-02-18 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: OH

Complaint narrative:
I was a XXXX XXXX customer from XX/XX/XXXX-XX/XX/XXXX. I moved to XXXX where XXXX is not offered. I received my last bill but suffered a huge loss with an unexpected death in the family just two weeks after I relocated. I received a collections notice in XX/XX/XXXX and realized in handling the burial, I forgot about the bill. The collections agency submitted correspondence with misspellings. As an attorney, I attempted to check the validity of the company but wanted to pay through XXXX to which I was advised was impossible once it went to collections. I put the matter on the back burner. Fast forward to XX/XX/XXXX as I attempt to prepare to purchase a home, I receive a notification of late payments on one of my credit reports from XXXX XXXX. The XXXX account had been reported closed to all 3 bureaus and remains reported closed with ( XXXX  and XXXX ). Attempts to have the matter disputed with Experian have not been successful. Initially I was disputing the accuracy as the account has been closed for two years, no requests for payments have been received since XX/XX/XXXX and was previously notated as closed with each bureau. I have made calls to XXXX for an explanation. Today I was transferred seven times ( including being transferred twice to XXXX XXXX ) and no one was able to explain how an account that was previously notated as closed is now reporting late payment history. In one of the seven transfers I was able to speak with someone in collections who stated they had an old address on file. That is odd as the last bill was sent to my current address ( which as been my residence since disconnecting my fios account ). As an attorney, I understand that people aren't always accurate in the representations. That isn't the case here. I also work in senior management and would be appalled if my staff provided the level of customer service I have received. Paying the {$200.00} is not the root of the issue. Life happened and it became something that was pushed off as I dealt with very serious matter. For me, for this to come up now after being closed and cause a challenge to buying a home, especially when the other credit bureaus still reflect the matter as closed and in collections with no late payment history in the past three months is the bigger legal question I want answered.

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 2020-02-18 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: AMCOL Systems, Inc.
State: WI

Complaint narrative:
I received bills from XXXX XXXX XXXX XXXX XXXX Hospital ( original creditor ) for medical services I  received in 2019. I spoke with the billing department several times and this issue was resolved ... my medical insurance paid this bill. I checked my credit report and learned that there's an open collection from AMCOL SYSTEMS INC ( new creditor ) for this same medical bill. AMCOL SYSTEMS INC never contacted me about an outstanding balance, but posted this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have student loan debt through Navient, my loan was XXXX two years ago now its up to XXXX, every time I called they would offer deferment and no other option, they didnt tell me what it entailed and now Im in a lot of debt, I need some advice on how to rectify this matter, thank you so much for your help with this issue. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an inquiry from XXXX/XXXX  XXXX XXXX that appeared on my TransUnion credit report on XX/XX/2020 which I did not authorize. I have reached out to both TransUnion ( TransUnion said they do not dispute inquiries and that I would have to call XXXX/XXXX  XXXX XXXX ). When I contacted XXXX/XXXX  XXXX   XXXX  the company had no record of an inquiry placed by them for 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 explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I filed an complaint with the XXXX No. XXXX  and No. XXXX against Target Card Services for an account credit that had NOT been applied to my charge card account as promised and because my account had been frozen by them on or before XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX and a letter on XX/XX/XXXX from XXXX of Target Card Services stating that on XX/XX/XXXX ( {$28.00} ) and XX/XX/XXXX ( {$39.00} ), two late fee charges were credited back to my Target Card Services account but they did NOT. Target Card Services applied the two late fees charges of {$28.00} and {$39.00} on XX/XX/XXXX to my monthly minimum payment amount due and to my total account balance due. But my Target Card Services account was frozen by them on or before XX/XX/XXXX, so how did my total account balance due increase if I can not use the charge card. Target Card Services committed FRAUD and are trying to SCAM a consumer and one of their Target REDcard account holders. As of today XX/XX/XXXX Target Card Services still has Not applied the XX/XX/XXXX {$28.00} credit to my charge card account or reversed on XX/XX/XXXX the {$39.00} late fee added because Target Card Services did NOT apply the credit promised by XX/XX/XXXX the bill payment due date. Since XX/XX/XXXX every month Target Card Services has been adding late fees and addition interest charges to my charge card account when I paid in full my portion of the amount due to my account by XX/XX/XXXX Every month I pay the minimum amount due to my charge card account established with billing cycle XX/XX/XXXX. And if I am ever late paying that amount I always include a late payment fee with it. Target Card Services FRAUD, ILLEGAL ACTIONS, and SCAM are ruining my credit report history, and for NO REASON. It is fraud, illegal, and a scam for any credit card company like Target to add account credits promised consumers to their monthly minimum payment amount due and the consumers total account balance due, when the consumer has NOT used the charge card account. I would like Target Card Services to fix my account immediately and apologize for their retaliatory behavior towards me, a consumer and Target REDcard account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
The company 's name is XXXX and they're a collection agency with Bank of America. They've been calling my sister and aunt regarding my debt leaving several messages. My aunt already told them she would give me the message, but they keep calling her. Basically, they contacted a third party on more than one occasion. 

I called this morning and asked them to stop contacting my family members. They call repeatedly throughout the day and evening. 

They also stated they wanted to send a certified letter to my home between XXXX XXXX and XXXX XXXX There is no need to contact me to send a certified letter through USPS. 


I stated I wanted no more phone communication.

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 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I do not think that is fair. I called to see why I was late since I have not used this card. They informed me that it is an annual fee. I received no emails or mail notification of the fact. Maybe I did pay this in the past because I was using the card. But I paid off the balance and have not used it. I have never had a late payment in my life and this dropped my credit score over 100 points. Please help 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 monetary relief
Consumer complaint received 2020-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Date - XX/XX/XXXX Email- XXXX Amount - {$250.00} Ticket - XXXX Department - account specialist Venmo is telling me it will take 3-5 days, I cant wait this long I am a student, kindly take action against them to resolve it faster

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
I have received a very poor credit score XXXX due to Bayview Financial my new mortgage company and the reason my score is so low and late payments, I have never been late on a payment ever. However, I applied for a loss mitigation with my previous loan company XXXX and it was approved for 6 months at {$100.00} per month and then back to regular payments starting in XXXX. Then my loan was sold to Bayview Financial and they are not recognizing my loss mitigation and stating my mortgage has been late all this time. LOAN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
We have been asking for a loan modification for years. In particular, we have asked for a lower interest rate ( ours is 6.5 % ), an extension of terms, have provided info regarding why we were struggling. The answer by our loan servicer has always been a repayment plan making the monthly payment even larger. Last offer, that we accepted, was a balloon payment which only brought our account current. Monthly loan payment still exorbitantly high. 

Our servicer, Select Portfolio Servicing, is not customer oriented and really has not offered us any significant relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation