vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX reported 2 late payments on the account when in fact the account was set up on auto pay and the two " late payments '' actually did happen. I contacted XXXX and the credit bureaus and they did not change it. I also provided them with a statement showing the minimum payment was debited out of the account.

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 2021-03-12 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: DC

Complaint narrative:
On XX/XX/XXXX I purchased an airline ticket with XXXX using my American Express Credit card for the amount of {$130.00}. Due to the COVID-19 regulation that was imposed in XXXX at the last minute, I had to cancel my ticket and requested a refund from XXXX. XXXX agreed to refund the amount, however, I was offered a credit for me to use in future flights. I then called XXXX and explicitly ask them to refund the amount, that I do not accept a credit however they refused to do so. I told XXXX that based on their policy currently published on their website regarding XXXX XXXX waiver, all tickets bought after XX/XX/XXXX and voluntarily wanted to change had the option to request a refund, however, they refuse. I then contacted American Express to file a complaint, I provided them with the policy and the website for them to verify the " Flexible Travel Waiver '', XXXX : XXXX however Amex said that I am responsible for the charge because XXXX provided them with another policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
im not sure who this account belongs to but its not mines i have asked for a bill of sale or something with my name on it and no one can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I filed a complaints with American Express bluebird for not refunding me on a purchase through XXXX and now they purposely over-drafting my account with no proof of new transactions. Its over drawn by {$13.00} on XX/XX/2021 at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The following account could not be verified or validated by XXXX XXXX store card. All information including XXXX, XXXX, XXXX and account numbers were provide in the request. 

Although they did respond they failed to satisfy the requested information for validation of the account. 

I am requesting this account be removed immediately from my credit reports. 

The original request is attached as well as the response from the company.

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 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The following account could not be verified or validated by XXXX XXXX store card. All information including XXXX, XXXX, XXXX and account numbers were provide in the request. 

Although they did respond they failed to satisfy the requested information for validation of the account. 

I am requesting this account be removed immediately from my credit reports. 

The original request is attached as well as the response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The following account could not be verified or validated by XXXX XXXX store card. All information including SSN, Address, DOB and account numbers were provide in the request. 

Although they did respond they failed to satisfy the requested information for validation of the account. 

I am requesting this account be removed immediately from my credit reports. 

The original request is attached as well as the response from the company.

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 2021-03-12 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
when pendemic hit us, i ask for forbearence, they gave me forbearance fro 12 months, now they are asking for all money at once, i ask them for repayment plan, they dont want to do that, they say you only can stay behind three months to get repayment plan.otherwise they will seek for forclosure, in fact they are asking all there moneyback by XX/XX/2021.

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 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax addressed one of the issues, but not my concern of how they continue to report the utilization of my credit being at 47 %. 
My card utilization is only 8 %. 
After contacting XXXX they made the correction right away. 
Seeing that this aspect of credit card utilization is essential to repairing ones credit. 
The refusal to correct this error seems intentionally underhanded. 
I've no response regarding the correct reporting of my card utilization. 
Can I sue them for this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control
State: CA

Complaint narrative:
I'm am being ask to pay a debt to a company I have never had service with. I did not authorize or agree to pay them. I have no recollection of this debt and it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: eToro USA LLC
State: CA

Complaint narrative:
I signed up to eToro and invested in Bitcoin and Etherium. After a few weeks, they emailed me saying that they wanted me to send several pictures of my i.d . I responded saying that I did not want to send them any more personal information or i.d., and that I wanted to withdraw all my funds. They responded by saying they would remove my funds from the market and send them back to my bank. They never sent my funds back to my bank. I have tried withdrawing my funds ( {$1800.00} ) myself several times but only get an error message : We were unable to submit your request. Please contact customer service for help. I have emailed customer service but get no response. 
I tried calling customer service but only get a recording. 
They have my money and have locked my account. In the meantime they are making money on my money, and I have lost money because my money is locked up. Please help. 

XXXX XXXX XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Consumer Real Estate Finance Co.
State: GA

Complaint narrative:
I sold my house to a buyer who used XXXX. He had an FHA loan. The contract process was started on XX/XX/XXXX with closing date of XX/XX/XXXX. XXXX did not give any indication that the loan process would be significantly delayed. Therefore, I planned a multi-state move so that I could buy my new house ( contingent upon my home 's sale ), and organize a move, as the buyer was to take possession upon closing. 

Due to XXXX 's inefficiency and ineptness ( they admitted as such when I called to inquire ) in their underwriting process, the closing was delayed by XXXX weeks. Most of the inefficiency revolved around asking for additional documentation that any financial institution should have asked for in advance. As an example, they asked for the buyer 's checking account statement only 2 days before original closing XXXX the buyer furnished the document before the close of business same day ) -- this should have been perfunctory. 

Due to these delays, I also had to delay the closing of my new house in a different state, though I was supposed to be here for work. This means I incurred extra charges in the form of temporary living, storage of my household items and furniture, and at least XXXX full week of holding the mortgage rate ( I had locked in for 45 days to account for some delays, but not this long ). The total of out-of-pocket expense I incurred due to XXXX 's inefficiency was approximately {$2000.00}. I know there is no legal recourse, but I acted on good faith and it cost me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: MS

Complaint narrative:
Thursday morning on XX/XX/XXXX I go to access my account. It has all my funds on it roughly over, XXXX dollars on it. All of sudden i go to the atm and it says unable to use card at this time. This EPPICard company has placed me on hold for 5 hours and no one has picked up the phone. Im on a trip and Im basically stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sunset Management, Inc
State: GA

Complaint narrative:
Sunset Finance called from one of their phone numbers ( mainline ) and then immediately called back from a secondary line before I could even respond to the first call. This tactic is deceptive in nature and harassing in the fact that the calls are back to back with no reasonable time between them. When I returned the call, the representative became verbally abusive and argumentative stating that " if I paid my bill on time, then I would not get calls ''. This despite my contacting them a week prior and advising them the payment would be made on the XXXX XXXX my pay date ) and she was calling on the XXXX. She indicated that whomever I spoke with the prior week noted I would pay on the XXXX. The representative was advised that the note was in error on their part however the back-to-back calls were unnecessary and harassing in nature, at which time the representative hung up. A subsequent call to the manager resulted in the manager taking the side of the representative and ultimately indicating that they would take legal action. This on a debt that is less than 500 ( less than 30 days past due ) on one account and XXXX ( less than 45 days past due ) on the other. I contacted their corporate office and spoke with XXXX who informed me he would have the area supervisor address it and respond in 24 hours. I have not heard back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Ocwen violated hamp incentive program. 
XX/XX/XXXX we should have received XXXX  principal curtailment for timely XXXX payments 1 ) letter dated XX/XX/XXXX classified this hamp program as a recast offer 2 ) letter dated XX/XX/XXXX stated our XXXX payments were not timely 3 ) letter dated XX/XX/XXXX stated it was a hamp tier 2 program. 
This lender has been nothing but deceptive giving false statements or facts due to their violations. 
Supposedly lender credited us XX/XX/XXXX but reversed it mid XXXX. 
Since we dont receive statements on our account I dont know if they credited this XXXX back to principal. 
They violated the hamp program under the false claim act, which borrowers received 3 times the award plus punitive damages of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently paid off my student loans to bring the account into to good standing. When I did that experian also placed a late payment status on my account making seem as if I just was late on a payment. Before I paid it off there were no late payments on the account. I tried to disputing error with experian. They just told me it was verified. I also made them aware that it was impossible for me to have a late payment in XXXX of XX/XX/2020being that the CARES ACT was passed year and half ago. This inaccurate late payment that was placed on my account in error is hindering me from by a home and further more getting funding to go to school. Can you please have experian to remove the late payment.

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 2021-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
I disputed a collection on XXXX  in letter below which was notarized and sent certified mail, about an unverifiable loan Jefferson Capital. keeps putting on my credit report. I requested they verifiable documentation from this company that I have an account with them i.e signed contract with my signature.And if this info cant be verified be removed from my credit report. According to the Fair Credit Reporting Act, SECTION 609 ( a ) ( 1 ) ( A ), you are required by Federal law to verify through the physical verification of the original signed consumer Contract any and all accounts you post on a credit report. Otherwise, anyone paying for Your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( an original Consumer Contract with my Signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Back in XX/XX/XXXX my bill for my credit card for fifth third bank had a balance of XXXX. I sent XXXX. They in turn tried to cash the check for the check number XXXX. Which over drafted my account. The issue was resolved and my account was credited, but it reappeared again in XXXX. Now they say the balance belongs to me and they have been investigating for over a month. In the meantime they call to say I'm behind payments and I have late fees. Yesterday they said they sent the late payment info to the credit Bureau. This is all been a nightmare my credit is being destroyed and I'm being harassed from collectors. For a computer error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
We received a letter in the mail from Transworld Systems Inc claiming they were trying collect a debt we owed to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BAM Management US Holdings Inc.
State: OR

Complaint narrative:
Binance.us claims that all chargebacks will result in account withdrawals being suspended. After the chargeback is cleared, they also claim that they can take up to 7 days to allow transactions again. 

I cleared a chargeback on XX/XX/XXXX and opened a support ticket # XXXX requesting my withdrawals be re-enabled. 

On XXXX I then opened ticket # XXXX to ask as to the status. The ticket was closed immediately with no response at all. 

On XX/XX/XXXX, I then opened ticket # XXXX asking for further information as to the status. That ticket was again closed with no response. 

As I have attempted to reach out to Binance.us in every way possible, and have received no response, I am escalating this to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX  addressed one of the issues, but not my concern of how they continue to report the utilization of my credit being at 47 %. 
My card utilization is only 8 %. 
After contacting XXXX  they made the correction right away. 
Seeing that this aspect of credit card utilization is essential to repairing ones credit. 
The refusal to correct this error seems intentionally underhanded. 
I've no response regarding the correct reporting of my card utilization. 
Can I sue them for this?

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 2021-03-12 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
My credit score was just damaged by 109 points because Santander Consumer is falsely reporting amounts! This keeps getting worse with this company, they now say I owe {$200000.00} on a {$20000.00} auto loan that is in arbitration as I file this complaint. This company has been the bane of my existence. Now they are filing false claims about me to hurt my credit right after I have filed to put them in arbitration.

Company response to consumer: Closed with explanation