vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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 2020-12-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: EQUIFAX, INC.
State: WI

Complaint narrative:
The items were removed by XXXX  I check my credit for accuracy and XXXX had place the accounts back on my profile at a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: WI

Complaint narrative:
The items were removed by experian I check my credit for accuracy and experian had place the accounts back on my profile at a later date.

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 2020-12-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America, is reporting this account inaccuracies, LATE PAYMENTS, CREDIT LIMIT {$7000.00} and PAST DUE {$9100.00} activities well after closed/charge off with all ( 3 ) bureaus : XXXX XXXX, XXXX  and XXXX. 

Reporting different closed/charge off dates : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Reporting different last payment dates : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Reporting inaccurate history unmatched payment : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  Reporting multiple account numbers : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Remarks not reporting I'm disputing : 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 2020-12-02 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I purchased items on XX/XX/2020 online with XXXX XXXX. Merchant stated item would be sent out within a week. Cancellation can be requested if they do not ship out within 25 days. On XX/XX/2020 I emailed merchant requesting cancellation since 25 days had elapsed. They did not respond or acknowledge my request for cancellation. On XX/XX/2020 the items were received by me, which I did not want at that time. I emailed merchant, again no reply. I contacted Apple Card to open a dispute, and Apple Card told me that they would not open a dispute unless I send the merchandise back. So on XX/XX/2020 I sent the items back to the merchant, and they were received on XX/XX/2020. At this point Apple Card was investigating my dispute, but 2 months later aided with the merchant with the decision that I had made the purchase. I reopened my dispute, stating I had cancelled my order, returned the merchandise per Apple Cards guideline for opening a dispute, and at this point I just want me money back. Per the merchants website, refunds are not given unless the stated shipping time has elapsed ( 25 days ) or you have received the product ( which was almost 2 months ). Also per their website, they wont refund purchase unless its within 30 days, which is completely ridiculous since they dont plan on sending merchandise until at least 25 days after order date. I have already filed a complaint with the New York XXXX against this company, and last I checked their website is no longer active. Apple Card has repeatedly sided with the merchant, refusing to acknowledge the deceptive shipping/refund policy of the vender, as well as the fact that I tried in good faith to cancel my order per the websites stated shipping policy. Instead, Apple Card insists I made the purchase, and they also insisted I return the merchandise before they would even consider opening a claim for my dispute. So I feel like Im being mislead and treated unfairly. Im tired of dealing with this matter and having the same decision even though I have returned the merchandise and tried to work within all stated policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: WA

Complaint narrative:
Transaction Id XXXX and Case ID : XXXX I would like to escalate Case Id : XXXX to your office. 

A summary of the case is : Seller is ebay seller with a history of misfit items and selling cheap plastic junk. Many of ebay feedback has been removed mysteriously by seller including mine. So looks like they know how to game XXXX. 

I received an item for my car which didnt fit. Evidence of non-fitment is shown in the case including a video to Paypal. 

I opened a case on XXXX and XXXX claims since the case was wont fit, its not a SNAD case. They dont allow changing case type. If I wanted the money back i needed to ship back my item to XXXX which costs more than the item itself. 

I opened a case on Paypal, I was asked for evidence which I have provided. 
Paypal is playing the same game, it only allows me to upload tracking information to XXXX or cancel refund case. 

I am happy to ship the goods back to XXXX is seller is paying return shipping. Since the product was mislabelled the seller should be responsible for any return shipping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: CA

Complaint narrative:
XXXX XXXX was asked for varification which I never received. Experian said it was verified with all the errors on report. Experian saw dates were off balance study collecting interest. A collection shall not collect late fees once it hits credit report. Experian mostly at fault due to not investigating correctly.

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 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I have an escrow account with my mortgage servicer Mr. Cooper. The escrow account pays my property taxes and school taxes and home insurance. Mr. Cooper is refusing to process the payment to pay my school tax bill despite me sending them a copy of this bill back in XXXX. Ive called them numerous times and they are claiming that in their system, the bill was already paid. It wasnt paid. Mr. Cooper even tried to send me a refund check claiming that my escrow account had an extra {$2000.00} that was not needed. The extra {$2000.00} was for the school tax bill that they never paid and then marked it as paid. This is so frustrating. I got a late notice from the county that I now owe an additional {$210.00} late fee on top of my school tax bill. Im not going to pay a late fee on a bill that should have had the payment processed from my escrow account back in XXXX when I sent them the bill. Its now XXXX and they still havent paid the school tax bill and the extra {$2000.00} sits in my escrow account. I dont know what to do. I keep calling and they refuse to process the payment. This needs to be fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I purchased a pre-order of {$2400.00} ofXX/XX/XXXX XXXX XX/XX/XXXX fromXX/XX/XXXX XX/XX/XXXX using my HSBC Credit Card. 

The delivery date was to be XX/XX/XXXX. Between those two dates XX/XX/XXXX went out of business and stopped responding to my e-mails. I never received the goods I Initiated a dispute with my Credit Card holder, HSBC USA, on or about the middle of XX/XX/XXXX. 

In mid-XX/XX/XXXX I moved and I immediately changed my address with HSBCXX/XX/XXXXon XX/XX/XXXX. 

On XX/XX/XXXX HSBC sent me a letter to my previous address denying the chargeback, because the merchant had provided a record of the transaction. The letter gave me until XX/XX/XXXX to respond. The merchant did not provide proof of shipment. 

Due to HSBC using a previous address I received the letter on XX/XX/XXXX at my new address. 

I immediately called HSBC upon receipt of the letter, on the XXXX. HSBC said that the dispute department was not taking calls and that I needed to e-mail them. I e-mailed them and have heard nothing back. When I contacted them via twitter they stated they they respond to all e-mails within two business days. Today is the 4th business day. 

HSBC is failing to respond to fairly basic dispute. The merchant is out of business and is unable to provide the goods ordered. HSBC is refusing to honor its agreement to process the chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX was asked for varification which I never received. XX/XX/XXXX said it was verified with all the errors on report. XX/XX/XXXX saw dates were off balance study collecting interest. A collection shall not collect late fees once it hits credit report. XX/XX/XXXX mostly at fault due to not investigating correctly.

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 2020-12-02 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:
Look once and for all I am a human sending this message. I am not a credit repair company lets make that clear. I am XXXX and this is the final attempt then I will litigate this situation. I have sent my utility bill, documents to prove my address and identity. Please do not insult my intelligence please. I wont repeat myself on the dispute that was sent a few days ago I will attach the pictures below. I wont continue to accept a letter or message saying that I am credit repair company. This will go into litigation if you dare to send me any message or letter saying that I am not myself this is XXXX XXXX. The date in my letter is from XX/XX/2020, second attempt to reach Experian my first attempt was in XX/XX/2020, I didnt receive any response prior, my last was contacting the CFPB because its been more than 90 days. I sent this through CFPB to keep a record if Experian tries to lie and say they never received any letters and documents. I also have the certified mail on record if you continue to play as if you are not receiving my letters and documents. I am a real life civilian not a computer or repair company please dont send me any bogus. Fix the issue and remove in the misleading and false XXXX you violated.

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 2020-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Due to covid pandemic my job closed down and i was out of work and unable topay he car loan and pa uneployment was on a stand still for me and i called the bank because asking can all my payments go o the end of my loan and i was told they help me already and that my car been charge off /written off but make a paymeny of XXXX and it doesn't mean it won't get repossessed, I am a person who was very XXXX with XXXX  my son XXXX years old and myself, i just was asking for a little help in spike of the issue i had from day with this car and all the problems i suffer from it .I feel like i wasn't bein help i contact the CEO of pnc and his secetary calle dme back and said she tried to help me .but its to late .Its not my fault i had covid and my job closed down permanent becaus eof covid 19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY Select a Reason XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be proces

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: TX

Complaint narrative:
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$20000.00} - Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$20000.00} Original loan amount - Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 60 90 30 60 90 120 XXXX XXXX - - XXXX XXXX XXXX XXXX XXXX - - XXXX - - - - - - - - - - - XXXX  {$0.00} Closed 4 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage account Balance on XX/XX/XXXX Loan Amount {$0.00} {$220000.00} Payment Info Status 30 days past due Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$220000.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 30 30 30 30 2018 On Time 30 Days Late XXXX  XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Balance {$3600.00} Balance Updated XX/XX/XXXX Credit Limit {$3300.00} Monthly Payment - Past Due Amount {$3600.00} Highest Balance {$3600.00} Terms - Responsibility Individual account Your Statement - Comments Dispute resolved reported by grantor XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX  XXXX  Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Balance {$4600.00} Balance Updated XX/XX/XXXX Credit Limit {$4500.00} Monthly Payment - Past Due Amount {$4600.00} Highest Balance {$4600.00} Terms - Responsibility Individual account Your Statement - Comments Canceled by credit grantor fcra violations cant correct it must remove it LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery and associates is in violation of federal law. Specifically FDCPA section 809b. 
The company has been reporting inaccurate information to the three major credit reporting agencies without complete validation as required by law. 

I've submitted several validation letters to the company requiring them to validate what they say I owe ; The company has been trying to collect on two accounts that I am completely unaware of ; XXXX XXXX  ; and XXXX XXXX XXXX. 

The documentation received from portfolio recovery and associates does not match my identity, including inaccurate name ; inaccurate address ; and can not provide copies of original documentation of which may prove that I am responsible for these two accounts ; In addition I've asked the company to calculate full and complete accounting of what they say I owe which they have not been able to do ; I've asked the company to provide me with documentation that proves that they are able to collect the debt in my residency state of which they have been unable to do ; Because of the information provided above detailing the violations committed on the federal law, The company must cease and desist from contacted me on this matter ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AR

Complaint narrative:
Wanted to pay my mortgage ahead in case I ran into financial difficulty. I sent in two payments on XX/XX/20 and a third undue payment on XX/XX/20. This would have put me three months ahead. Amerihome Mortgage misapplied those funds to the principal instead of the payments. I have spoken to them three times and written them once and have not received resolution. Now financial difficulty has arisen and I need that three month grace period. I have been lied to and ignored. Their records reflect that they received the money and what happened to it but say it's my fault for sending it in without notifying them of what I was doing. I'm notifying them now. I can't make these payments. I need help. 

AmeriHome mortgage XXXX XXXX XXXX XXXX XXXX, new jersey. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have been fighting for my rights with Wells Fargo for almost 3 years. A credit card was fraudulently opened in my name in XX/XX/XXXX. I got a statement in the mail in XX/XX/XXXX. I immediately called and reported that it was not my credit card and not opened or used by me. The law says if a person reports identity theft which I stated in that first conversation they are not responsible for the charges. Visa also says if the account is in good standing and reported as fraud then there is zero liability. Not only has this company broken the law they have reported it to the credit bureaus with a false statement saying this was resolved. I had checking and savings accounts with them that they chose to close because of the identity theft and they stated it was a security risk keeping them open but they refuse to provide me with clear, definitive proof that these charges belonged to me. The burden of proof is on Wells Fargo they have not provided me with this information I want this resolved immediately

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