vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I attempted to unfreeze my credit with Equifax ( the only reporting agency used by my bank ). I contacted them by phone and online multiple times. Their " security '' system was unable to confirm my identity because it contained incorrect information, which I was unable to correct because they couldn't verify my identity ( catch 22! ). 

I mailed ( certified ) requested documentation, which they received in the morning of XX/XX/XXXX. They stated 5-7 business days to rectify problem. They still have not as ofXX/XX/XXXX. My bank will be unable to process my application beyond XX/XX/XXXX. 

Equifax have refused to help me, despite my multiple requests, and are holding my credit hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Credit Bureau is reporting an inaccurate, incorrect and insufficient debt as of XX/XX/2020 for {$18000.00} listed on my credit file from XXXX XXXX XXXX. I do not owe this debt and I have not received any type of written notification of this debt prior to this debt being placed on my credit file. I have placed a lock on my credit file to prevent these fraudulent measures in the future.

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 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I received a letter from Radius Global Solutions LLC trying to collect an alleged debt that I do not owe. Attached is a copy of a letter that I sent them.

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 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint is about Equifax. I had placed a freeze in my credit with all three credit bureaus. I am in the process of refinancing my mortgage so I tried to lift the freeze temporarily. I manage to do it with the other credit bureaus but have been unable to do so with Equifax. When I tried to sign in I was told my user name or password was wrong. I clicked on the link to reset the password which should result in getting an e-mail but nothing happened. I tried at least 15 times. I decided to call. After answering all the questions from the automated system, which took a while, I finally was passed through to a customer service where I waited for a long time for someone to answer. When the person answered she told me the system was UNAVAILABLE and to try in a few hours. I waited 5 hours and tried again with no results trying to get the e-mail link, then called, went through the automated questions and after all that got a recording saying customer service center is closed for today. This credit bureau should be disqualified. It is inept. These companies play a crucial role in every aspect of our life and for them to fail to provide proper service there should be consequences to them. Maybe we should have only 2 credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been holding Bank of America credit card for years and found it inconvenient in term of making monthly payment. I pay all my credit card balances in full to avoid interest as I don't need to take on expensive credit debt. I prefer to have an auto payment in full as I do for my other credit card. When I found out that I can set up auto pay a coupel months ago, I immediately do that. 

In the setup page, there are several options for payment amount, including the following : - amount due - minimum amount due - account balance among others. As I want to pay the full statement balance, it seems pretty obvious that my choice is amount due. in the page, they do have small blue words, when you click on it, a pop-up window will tell you exactly what these options mean. But at that time when I was setting up the auto pay, i did not notice it was there. Without any doubt that I have properly setting up the auto payment, I let the system made the payment for me. two months later, I notice I am getting interest charges in my XXXX and XX/XX/2020 statements. What happen is that the amount payment option only pay the minimum amount due each month. the coming statement will also have the interest charge. So a total of three month of interest changes sum to the amount of about {$200.00} has been imposed on my account. 

I think the web site is misleading. I call the customer service explaining what have happened and complained that the web site is misleading. I asked for a refund of the interest charge but the person told me there is nothing they can do and they can not give me the refund.

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 2020-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I received an alert today for all 3 of the reporting agencies today that a new negative account was added to my credit reports. I looked up the account it is once again it is Midwest Recovery System. This will be the 3rd time I have disputed this debt with CFPB and Midwest. Each time Midwest responds that the debt cant be validated and they send a letter of deletion to all 4 credit agencys. Now it has reappeared and also the same debt which originated from XXXX XXXX XXXX is on my credit report from Midwest and also XXXX XXXX XXXX. I was never notified because they know this debt can not be validated and it does not belong to me at all. I do not know why this debt is allowed to continually be added back to my credit reports and drop my score down for no apparent reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have lost my credit card and later on found out there one massage therapy name XXXX XXXX XXXX XXXX charged me {$10000.00} and I have not authorize or even ever know that place, I noticed someone steal my credit card and the card is lost at XX/XX/2020 I reported to WellsFargo and want them to refund the credit for that unauthorized charge at the first welllsfargo credited me back {$10000.00} However, after their investigation the bank charged me back {$10000.00} without a provide me any written notice before taking the money that was credited to me during the investigation out of my account. 
I have never give anyone authorization to use my credit card or give my card to anyone, I've already called the police and made the police report, I was ask them provide me the evidence why they charge me again but WellsFargo didn't contact me anymore and tell me once the case closed we can't re-open to investigate

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 2020-04-23 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: SinglePoint GI
State: NC

Complaint narrative:
The Credit Bureau is reporting an inaccurate, incorrect and insufficient debt as of XX/XX/2020 for {$18000.00} listed on my credit file from General Revenue Services. I do not owe this debt and I have not received any type of written notification of this debt prior to this debt being placed on my credit file. I have placed a lock on my credit file to prevent these fraudulent measures in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I called todayXX/XX/2020 at XXXX XXXX, XXXX spoke with ( mr. sXXXX ) wouldnt transfer me Rudely hung up on me bc I told him he couldnt assist me bc I need to speak with Mrs. XXXX directly, @ XXXX spoke a rude representative I asked for her name and she hung up on me. I called back at XXXX to speak with Mrs.XXXX  and I was told that I couldnt speak to her because my account is restricted and referred back to MR.XXXX  and I kindly explained to the representative that I didnt want to further speak with Mr.XXXX because he is very rude. I also asked if I could be transferred to Mrs. XXXX voicemail and was told no because she is very busy. So I am confused as to what I am suppose to do. I wanted to speak to Mrs. XXXX about my other options of payment towards the extend settlement for XXXX. I have called for 4 times to get the same end results and 2out of the 4 calls the agents was very rude. It just frustrating because In the company response it say to contact the number and Ext to speak with Mrs. XXXX and now Im being told be agents that I would need to speak with Mr . XXXX just to be in contact with Mrs.XXXX  which dont make sense at all. All I want to do is resolve the matter.

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 2020-04-23 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Company reporting currently late on an account that was charged off in 2016 lowering my score 30 points per XXXX, they recently change the status on XXXX  to currently reporting Charge off monthly, not exactly sure if the balance showing is accurate never received notice of a surplus/deficit if vehicle was sold or when it was sold. Reporting 2 different closing dates between CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
TOYOTA MTR XX/XX/XXXX {$19000.00} 09 XXXX  XXXX  XXXX  XX/XX/XXXX {$4800.00} 06 XXXX  XXXX  XX/XX/XXXX {$0.00} 11 XXXX XXXX  XX/XX/XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I received an alert today for all 3 of the reporting agencies today that a new negative account was added to my credit reports. I looked up the account it is Paramount Recovery Svcs. The same debt which originated from XXXX XXXX XXXX is on my credit report from XXXX and also Paramount Recovery Svcs at the same time.I was never notified of this debt because they know this debt can not be validated and it does not belong to me at all. I do not know why this debt is allowed to continually be added back to my credit reports and drop my score down for no apparent reason. I have deleted this same debt now for the 3rd time with XXXX and now Im having to dispute with Paramount for the same debt!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: OK

Complaint narrative:
I requested validation of the {$570.00} owed to Millennium Financial Group, LLC. On XX/XX/XXXX I received 14 pages of account history from XXXX XXXX XXXX XXXX including names and dates of children and their procedures not associated with this bill. These are clear violations of all three minor children with appointments dating from XXXX inclosed. I have reached out to both Millenium Financial Group and XXXX XXXX office on Monday XX/XX/XXXX without a response back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
This guy told me he will sell me an account. He didnt and kept my money. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX To whom it may concern, I have already filed a Police Report I had some fraud on my report someone using my ID to open up fraudulent accounts and putting things in my name. Please see the FTC ID theft report. Please delete this fraudulent accounts at once : XXXX XXXX # XXXX, XXXX COLLECTION SERVICES # XXXX never had this account or done any business with these companies.

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 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
In XX/XX/2019, I paid off a home mortgage. The company servicing the mortgage, LoanCare LLC acquired by XXXX, immediately closed out access to the escrow account which denied information needed by me to audit the account. XXXX failed to provide a 2019 IRS Form 1098. Although I've made repeated attempts by written correspondence telephone and internet to access the account, XXXX has only responded by automated means denying that the account ever existed. My records indicate that about {$500.00} of excessive escrow funds remained in the account. 

For the past five months, XXXX has failed to respond to my requests by written correspondence, telephone calls, and website postings to resolve this issue. A complaint made by me to the XXXX XXXX XXXX regarding XXXX failings only resulted in an ineffective form letter from XXXX sent to the XXXX. 

In my opinion, XXXX is a debt collection agency posing as a mortgage servicing company for the purpose being involved in cash flow. Their customer service is virtually non-existent. The company 's disregard for providing financial info needed to resolve issues and failure to provide an IRS Form 1098 verges on fraud.

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 2020-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
On XX/XX/XXXX, for the second time since XXXX I was refused a loan. The reason given was that in XXXX I had repaid loan but I paid late. When I asked what I could do, given a third effort, to correct the issue as they see it, I was told just " apply again.. .it might be different ''. During that phone conversation, I told them " I paid the loan ( 13 years ago ) why is my loan application being rejected twice now? They responded that " I paid late ''. I went on to ask how can I correct the problem, they responded apply again ( above ). 

I was told, and did call XXXX XXXX. 

I would like to be able to use Rapid Cash when, like now, having been laid off as a teacher during the Corona virus, there is an " emergency '' cash need. They are polite and efficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On Tuesday, XX/XX/XXXX, upon request, I spoke via telephone with XXXX XXXX XXXX, USAA Member Advocacy, Office of the CEO. Her office telephone number is XXXX, XXXX. 
During this call, XXXX XXXX stated to me that USAA has never reported a 30 day late to my Credit Bureaus, Further, also revealed to me was that my account was actually on a pay-a-head schedule, ( which I was not previously aware of ). In fact, I had often wondered why payments that I would make for a given pay- month cycle would NOT SHOW as having been applied to that months balance, as the payments were received/posted by USAA XXXX In fact, it did appear that these payments were routinely not posted until the next statement date. If this is a correct and normal accounting practice, I can easily imagine that there is significant impact to the interest that an account generates, much more than warranted. My monthly minimum payments have, frequently, been very large, often over consecutive months. For me, these payments have been budget-busters because as a senior I am on Fixed income, but, somehow, I have managed to mostly keep pace. If I am correct, this is an extremely unfair accounting practice for the consumer and should be abandoned/corrected by USAA. 

As evidenced by the Attached XXXX XXXXXXXX XXXX Report, USAA did report a 30-day late on my account in XX/XX/XXXX, and, another 30 -day late report was actually threatened by a USAA representative for a XXXX, XXXX payment, actually made on XXXX XX/XX/XXXX, within the XXXX Payment schedule period, but, again, not posted ( I assume, until the XX/XX/XXXX Account Statement date ). I assumed that this threat was due to an overzealous attempt by an USAA agent to collect a debt. Also, the XXXX   Attachment Credit Report shows the dates of Payments made and the often Large amounts of these payments and over the course of two years how little of the total of payment amount actually went to reduce the principal balance I made no or very few purchases/charges to the account during this two year plus period. 
I contend again, that I have not been 30-day late on my account and that the existing 30-day late on my credit bureau for XX/XX/XXXX should be removed as soon as possible. 
I am also attaching a copy of my USAAs Statement of account dated XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Citibank charged me an annual fee for a card I do not have any more because I downgraded to a lower tier card. 

Now I've called multiple times, and what bothers me is both representatives I've called I've been hung up on. This is unacceptable. The kicker is the clear attempt to sway me away from an actual representative by making me go through XXXX   automated dialers. Then when I get on the phone I hardly hear the representative, they hardly hear me. 

This is just XXXX customer service, and I want to drag this company down however I can. I get that COVID-19 is an issue right now.

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