vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 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: CT

Complaint narrative:
I am a XXXX year old Private client of XXXX  for over 26 years. I previously put five of my personally own companies accounts through XXXX  in XXXX, CT XXXX. For 26 years I have had a XXXX XXXX  Credit Card. I have never been late one day on payments for 26 years. In XXXX of XXXX, per XXXX suggestion, I switched to paperless billing. Up until XX/XX/XXXX I was paying off the XXXX card monthly, a very small ballance. In XXXX I was notified that the account was slightly past due. I called XXXX cards to pay the bill immediately. It was suggested that I pay from a checking account so I gave XXXX a checking account number and a bank routing number to pay the credit card bills. On XX/XX/XXXX I got a notification that my credit rating had dropped from XXXX to XXXX. When I inquired, I found that XXXX har reported me 60 past due on my Credit card and closed the 26 year old account for {$51.00}. I called XXXX XXXX Credit Card number and the system asked me if I wanted to pay from my Checking Account on file ending in XXXX I said " yes '' and paid the bill. I assumed that XXXX would pay the credit card from this account whenever it was due. They didn't, they tried to get intouch with me on a four year old disconnected phone number, even though I have a checking account with them with over {$22000.00} in the account. They have ruined my perfect credit rating over 45 years over a misunderstanding and a miscommunication. This is neither FAIR or JUST. It implies I was either unable or unwilling to pay the Credit Card payment when a 26 year history indicates otherwise. They had an account number from my checking account to pay the card. Whatever happened I NEVER RECEIVED a communication from XXXX about the card. I want the incorrect implication in my credit files removed 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
Consumer complaint received 2019-10-04 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: CT

Complaint narrative:
I am a XXXX year old Private client of XXXX  for over 26 years. I previously put five of my personally own companies accounts through XXXX in XXXX, CT XXXX. For 26 years I have had a XXXX XXXX  Credit Card. I have never been late one day on payments for 26 years. In XXXX of XXXX, per XXXX suggestion, I switched to paperless billing. Up until XX/XX/XXXX I was paying off the XXXX card monthly, a very small ballance. In XXXX I was notified that the account was slightly past due. I called XXXX cards to pay the bill immediately. It was suggested that I pay from a checking account so I gave XXXX a checking account number and a bank routing number to pay the credit card bills. On XX/XX/XXXX I got a notification that my credit rating had dropped from XXXX to XXXX. When I inquired, I found that XXXX har reported me 60 past due on my Credit card and closed the 26 year old account for {$51.00}. I called XXXX XXXX Credit Card number and the system asked me if I wanted to pay from my Checking Account on file ending in XXXX I said " yes '' and paid the bill. I assumed that XXXX would pay the credit card from this account whenever it was due. They didn't, they tried to get intouch with me on a four year old disconnected phone number, even though I have a checking account with them with over {$22000.00} in the account. They have ruined my perfect credit rating over 45 years over a misunderstanding and a miscommunication. This is neither FAIR or JUST. It implies I was either unable or unwilling to pay the Credit Card payment when a 26 year history indicates otherwise. They had an account number from my checking account to pay the card. Whatever happened I NEVER RECEIVED a communication from XXXX about the card. I want the incorrect implication in my credit files removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: CT

Complaint narrative:
I am a XXXX year old Private client of XXXX  for over 26 years. I previously put five of my personally own companies accounts through XXXX in XXXX, CT XXXX. For 26 years I have had a XXXX XXXX  Credit Card. I have never been late one day on payments for 26 years. In XXXX of XXXX, per XXXX suggestion, I switched to paperless billing. Up until XX/XX/XXXX I was paying off the XXXX card monthly, a very small ballance. In XXXX I was notified that the account was slightly past due. I called XXXX cards to pay the bill immediately. It was suggested that I pay from a checking account so I gave XXXX a checking account number and a bank routing number to pay the credit card bills. On XX/XX/XXXX I got a notification that my credit rating had dropped from XXXX to XXXX. When I inquired, I found that XXXX har reported me 60 past due on my Credit card and closed the 26 year old account for {$51.00}. I called XXXX XXXX Credit Card number and the system asked me if I wanted to pay from my Checking Account on file ending in XXXX I said " yes '' and paid the bill. I assumed that XXXX would pay the credit card from this account whenever it was due. They didn't, they tried to get intouch with me on a four year old disconnected phone number, even though I have a checking account with them with over {$22000.00} in the account. They have ruined my perfect credit rating over 45 years over a misunderstanding and a miscommunication. This is neither FAIR or JUST. It implies I was either unable or unwilling to pay the Credit Card payment when a 26 year history indicates otherwise. They had an account number from my checking account to pay the card. Whatever happened I NEVER RECEIVED a communication from XXXX about the card. I want the incorrect implication in my credit files removed 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
Consumer complaint received 2019-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
In XXXX we left overseas and before leaving we called Bank of America to asked how to handle payments. I was told to send a signed letter with authorization and copy of checking acct. to my surprise the vehicle was repossessed last week, bank of america claims they didn't received the letter. I sent a copy of letter and bank to demonstrate to them the fund were at the bank. I received a letter today asking for the entire amount of loan plus all these fees.

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 2019-10-04 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: VA

Complaint narrative:
On XX/XX/XXXX, I was informed by a lender with whom I was attempting to refinance my mortgage that there was a negative mark on my credit report. Specifically, and entry was made on my credit report that a collection was reported for {$730.00} by XXXX , XXXX on XX/XX/XXXX. This came as a surprise as in XX/XX/XXXX I had received a credit score in excess of 800 with no negative marks. 
I called XXXX who informed me that the debt was in relation to a visit to XXXX XXXX XXXX Hospital in XXXX or XX/XX/XXXX. I did not recall ever receiving any such bill for the visit in XXXX, and so I asked XXXX what address the bill was sent to. I was told that it was sent to an address that I last lived in XX/XX/XXXX. A simple XXXX search will show my current address and so it is clear that no attempt was made to confirm the address or else I would have received notice of the collection activity. I received none. In fact, I to date still have not seen a bill for the service. This seems to be a clear example of debt " parking '' on behalf of XXXX and XXXX XXXX XXXX  Hospital. XXXX said if I would pay the bill over the phone and then dispute the issue with the credit reporting agency that they would confirm that they had sent the bill to the incorrect address. 
I paid the amount owed over the phone ( despite still not having received a bill ), and filed disputes with all three major reporting agencies. I have since received results that they have simply updated my report to show that the amount was paid in full, but the collection activity remains. I've been able to make contact on the phone with at least one agency ( Transunion ) who confirmed that they did not actually investigate my claim that I never received a bill, but instead brought the dispute to conclusion when they saw the amount was paid in full. It is clear that this must be the case with the other two as well. 
For the record, I do not believe that I had ever been to XXXX XXXX XXXX Hospital ever before the visit at the end of XXXX. I recall filling out several forms that included my current address. I had been a patient at XXXX XXXX  Hospital XXXX in the XX/XX/XXXX/XX/XX/XXXX time frame, and assume that the billing department at XXXX simply used the old address that was in the system for my years earlier visit to XXXX Hospital XXXX rather than the updated address information that I provided to the receptionist in XXXX on my visit to XXXX XXXX   Hospital. 
I am now having difficulty in receiving credit from mortgage providers as I attempt to refinance.

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 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: MS

Complaint narrative:
I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with o {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I've contacted the police locally and FTC. These items need to be deleted from my credit report : Ch XXXX Bankruptcy, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account XXXX, XXXX acct XXXX XXXX and transunion acct XXXX on transunion, XXXX, and 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 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with o {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I've contacted the police locally and FTC. These items need to be deleted from my credit report : Ch XXXX Bankruptcy, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account XXXX, XXXX acct XXXX XXXX  and XXXX  acct XXXX on XXXX, XXXX, and 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 2019-10-04 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
i open my credit report using XXXX XXXX, and i seen a hard inquire for SYNCB on XX/XX/2019 i was still in the process of my chXXXX bankruptcy and i was not applying for any credit during the month of XX/XX/XXXX. XXXX XXXX told me to contact SYNCB, But that did not help, i could not get threw. please help i dont want to start my new credit off with back marks.

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 2019-10-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On or about XX/XX/XXXX, we applied for a loan with Wachovia ( now Wells Fargo ) for a second mortgage. We entered into a contract on XX/XX/XXXX for a line of credit, in the sum of up to {$100000.00}. The contract consisted of a closing on the same date and we were advised that flood insurance was not required. We are informed and believed that the bank had an erroneous Flood Determination but in fact our house was in a Special Flood Zone Area. In addition, the mortgage claims a lien on XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX THE CITY OF XXXX, XXXX COUNTY, NORTH CAROLINA RECORDED IN XXXX XXXX XXXX, PAGE 17 when in fact our lot is XXXX, XXXX XXXX, XXXX XXXX XXXX, in XXXX XXXX XXXX, Page 17 and that lot XXXX is clearly not in a Special Flood Zone Area. This error clearly made the bank fail to comply with the National Flood Insurance Reform Act of 1994. 
In addition, and coincidentally, at approximately the same time we received notice from XXXX XXXX XXXX that our lot was no longer in a Flood Zone and that we did not need Flood Insurance. We  believe that the error regarding the lot number and because of communication between the first and second mortgage holders regarding the erroneous lot and flood insurance requirement, {$170000.00} worth of Flood Insurance expired. 
On XX/XX/XXXX, Hurricane Florence flooded our home up to the roof. The home remained under water for about a week due to the waters receding slowly and according to the DCMS Loss Verification Report by the Small Business Administration, the  home is irreparable based on depth and duration of flooding. Attached is all the supporting documentation.

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 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I rented a trailer from XXXX XXXX trailer park 3 years ago and when I moved in the trailer was in disrepair already. I lived there for approximately one year and during this time my trailer deteriorated to the point that my toilet was falling through the floor, my roof was severely leaking, there was raw sewage in my backyard and toxic mold in my A.C. The landlords, XXXX and XXXX XXXX then began to harass and stalk me. They parked their car outside my trailer and sat there for hours and when I went outside they mocked me because my husband had left me and they threatened me. I moved out of the trailer in XXXX of 2016 when I could no longer safely live there due to the condition of the trailer they refused to repair and due to the stalking and harassment from management. After I left, XXXX XXXX reported that I owed them for repairs and other various untrue charges totaling {$3400.00}. They used a debt collection agency called XXXX XXXX XXXX in XXXX, FL to attempt to collect this debt that I do not owe. I attempted to dispute this debt with XXXX XXXX XXXX but they said they are standing by their client and refused to remove the debt from my credit report. My family is now homeless and can not move into a place until this debt is removed from my credit report. XXXX XXXX is managed by slumlords and should be condemned. I have contacted the health department and will continue to pursue legal action against both XXXX XXXX and XXXX XXXX XXXX if this false debt is not removed from my credit report immediately. My family has a right to pain and suffering compensation that will include the full amount of time that they have attempted to ruin my credit and harrass me. I have video, picture and documented evidence of the deplorable conditions at XXXX XXXX and also witnesses who will testify on my behalf. This is my final attempt to resolve this matter before I take legal action against them. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: IA

Complaint narrative:
XX/XX/19 I have purchased a pre paid card from XXXX in XXXX Iowa. I put {$40.00} on the card at XXXX. I went to activate it and it wouldnt work so I call the helpline and tried it through a XXXX ( the employee ) she said she couldnt help me Im not eligible for the card. So I asked why and she couldnt tell me. So I asked for the Superviser and finally a male came on and told me I wasnt eligible Because I had a card previously With them and it had suspicious activities on it and that made me not eligible. So I asked how can they sell pre paid cards to the public if some are eligible and some arent. That doesnt make any sense. Thats what prepaid cards are for. The man told me there is nothing more they can do for me and I will receive a check in 7 to 10 business days..

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 2019-10-04 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
One of our company credit cards was stolen. The x-employee charged over {$7000.00} in personal items until we found out what was going on. I reported the fraud to Amex. I was told the fraudulent charges would be removed and it would be " investigated ''. I called many times over a period of over 3 months. Amex decided that although the card was used fraudulently, and the man was convicted of fraud by local police for taking this card and shopping with it, and the man is in prison because of this, they decided they would not remove the charges or the interest accruing over these months on the amount, and that we must pay for all of the fraudulent charges. The reason given was that this employee had been given the card previously and authorized to use it to put gas in a vehicle for company use. Any previous authorized use was authorized, and paid. Not the same thing as stealing it and identity theft, for which he has been convicted. These charges are fraud, and under the terms Amex states for it's cards, any fraudulent charges will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
XXXX claimed he never got the money but it was sent.

Company response to consumer: Closed with explanation