vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have automatic payments enabled from my Wells Fargo checking account to my Wells Fargo Visa credit card for the minimum balance due each statement period. These minimum payments are enabled to prevent me from missing a payment. 

When I logged onto my online account on XX/XX/XXXX, I saw a banner indicating that my payment was late and to make payment as soon as possible and that my payment was due on XX/XX/XXXX. It should be impossible for me to make a late payment because I have automatic payments enabled. 

Wells Fargo posted my transaction late, despite prior payment instructions, in order to penalize me for late payments.

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 2021-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The debt was pursued by XXXX XXXXXXXX in XXXX ( XXXX ) in XXXX, FL in Circuit Court. The debt was dismissed on XX/XX/XXXX. LVNV Funding has been alerted that the debt was dismissed but refuses to remove it as a collection account from my credit report. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-13 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: CA

Complaint narrative:
I sent it a dispute on 30 days ago and have not heard back from equifax regarding a dispute to remove two accounts u see litigation. The two accounts are XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: M. G. Credit, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
My account got blocked without notice or warning, so I decided to call them American express but the representatives kept on telling me my account couldn't be found they said my social security number isn't on their database, and it's annoying. 
it's been up to a month and I haven't gotten a reply from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
SLS did not send me the tax form for the 2020 tax year. I also had trouble logging into my account online. I contacted SLS and they would not help me without me providing the last 4 of my SS #, and I will not do that over a cell phone. I submitted complaints through the XXXX. SLS then sent my personal tax document to the XXXX, rather than sending it to me personally. XXXX did not need to see my tax form. THe form had alot of the personal information on it. It is a breach of security for them to send it to the XXXX without my knowledge or consent! Action needs to be taken to for them intentionally sending my personal tax document to the XXXX. It is unethical, unprofessional, and very dangerous to me for them to take this action. I need the CFPB to step in to help deal with the behavior of SLS!!!

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 2021-03-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response. I feel as though I'm being taken advantage of and ignored about the disputes I presented. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted or I will file for litigation due to the stress endured from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-13 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: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
Re : Feedback, XXXX, USAA ( XXXX credit card ) Interest dispute : Interest of {$5.00} occurred as a result of USAA failure to provide billing statements as reported to USAA in complaint. All interest an fees were to be removed to this lack as reported in complaint. Complaint contains name and date of my talk with USAA rep. Repeated calls to USAA requesting copies of statements were ignored for months. Finally USAA provided the statements for review for accuracy before payment. Payments were late due to USAA 's failure to provide statements in a timely manner. Many phone calls were made to USAA. No one had taken action to resolve the problem. I had informed USAA that payments, including the {$160.00} payment could not be made until I received the statements. The reps understood this. Payments due were paid in full. The {$5.00}. should not have been billed. 

As to credit limit, I repeat that I never received USAA ' letter and nor otherwise informed of the reduction from {$20000.00} to {$2500.00}. Repeated phone calls to USAA requesting a copy of the letter were ignored. Even after the complaint USAA saw fit not to send a copy of the letter. 
USAA sent a negative remark to the Credit Bureaus resulting in at least a 26 point reduction in my score. Apparently, USAA reduced the limit based on the late payments caused by the company. Such action is unacceptable considering the facts. USAA never provided the " Remark '' sent to the credit bureaus upon my requests. delayed payments were due to USAA 's long delay in statements. 

As to contacting " staff : '' staff has not been cooperative in resolving either issue. Simply put, it's a waste of time. Note that USAA would not send me letters in reply to mine, but provided CFPA a broad statement that could have been given to me 10 months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
SLS is the servicer of the mortgage with CMC Funding. I had a check from the insurance company for fund to fix my house after a hail storm. The check was made out to myself and CMC Funding. I called to get information on where to send the check and SLS would not help me without me giving them the last 4 of my SS # over a cell phone, which is a very dangerous thing to do. I was only asking for generic information that is not specific to my account but they refused to help me. They also lied to me to say that they could help me if I gave them my account number ( which I did ) and then they went back to they couldn't help me unless I gave them my SS #. I asked to speak to a supervisor, they left me on hold for a half hour and then came back to the line and wanted my SS # again. On top of all this, the lady on the phone continually spoke over me, which was very frustrating. And address should be a simple thing to give out. As well they should be able to tell me how long I had to send the check I registered on their system ( ie, 30 days, 90 days, etc ). This is a policy question, not one specific to my 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 2021-03-13 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My issue is with Experian. In early XX/XX/2021 I switched credit cards with XXXX XXXX from one card to another, and paid off and closed a visa card with a balance of {$470.00}, with a credit line of {$500.00}. And I opened a card with a {$1500.00} limit ( give or take ) with cash back rewards. In late XXXX or early XXXX both accounts were appearing as open with amounts due on Experian and so I disputed the one with the {$470.00} balance as paid and closed, believing they would just check with XXXX XXXX and report the update. 

Experian reported back that XXXX  XXXX CONFIRMED the balance and open account, which should not be the case although I am having difficulties getting XXXX XXXX to " accept '' that I REALLY DO MEAN IT THAT I DO NOT WANT THAT CARD ANYMORE because they charge an annual fee. It does still appear as an " account '' next to the card that is open, and they remind me that I can " reactivate '' it. 
But in any event I responded today to EXPERIAN, XX/XX/2021 by uploading my closing statement from XXXX  XXXX for the account, showing both the {$500.00} line of credit, the {$0.00} balance due, and the {$0.00} AVAILABLE CREDIT because the account is closed. I uploaded the statement and disputed the account again as paid and closed. 

Experian responded by reinstating the ongoing open account with {$470.00} balance due on my credit report, and updating the current status to XX/XX/2021. Clearly they have not updated it to today based on discussing it with XXXX XXXX, but only based on receiving my credit card statement and new dispute. Has Experian turned a simple misstated account status that was in no way Experian 's fault, into an intentionally false account report, intentionally misreported BY EXPERIAN, based only on my current XXXX  XXXX account statement, which I uploaded to them, and NO COUNTERVAILING EVIDENCE TO THE CONTRARY, as the basis for their CURRENT credit reporting? That's fraudulent reporting and violations the Fair Credit Reporting Act. Experian has taken what was a simple slightly out of date account notation that I was looking to update because I was credit card shopping and turned into an intentional act of XXXX FRAUD by EXPERIAN, just to XXXX with me, by making it appear that as of XX/XX/XXXX, today, XXXX XXXX states I owe them {$470.00} on this account that I paid and closed in early XXXX. So I am angry about it! 

I am trying to buy a car, and now I will have to pay a higher interest rate for FIVE YEARS, because Experian is XXXX with me, apparently out of vindictiveness for disputing this account twice. These couple of credit points of increase will push me into the next highest rating tier.

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 2021-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI BANK account number XXXX ( CHECKING ) When I opened my savings account in XX/XX/XXXX, I was promised a {$400.00} bonus after making certain amount of deposit and kept it for 90 days. On XX/XX/XXXX, I still did not receive the bonus. After making multiple attempts to connect with Citi executive, I was told that there was an error in the system and the bonus would be made within 2 weeks. They told me that on XX/XX/XXXX, and then told me that again on XX/XX/XXXX. Still, on XX/XX/XXXX, no deposit was made until I came into a branch and complained to the manager. 

Due to frustration, I withdrew all $ and closed both my checking and saving account on a {$0.00} balance. The branch let me close both accounts because there was no pending activity. But now after I closedthe accounts, Citibank sent texts asking me to pay for an overdrawn of $ XXXX on my checking account due to some transactions I disputed in the past that Citi now decided to reverse them all. This is not fair.

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 2021-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have XXXX or {$670.00} ( current USD conversion rate ) sitting on my Paypal account and can't be withdrawn. I traded bitcoin online and have chosen Paypal as form of Payment. I had traded my bitcoin with XXXX and sold it through XXXX ( XXXX XXXX XXXX ) back on XX/XX/2021 and had received my payment in Paypal the next 24 hours in gradual payment. Along with Paypal payment confirmation is a message that says my account is on hold. They asked me for documents and receipt and I have provided those documents transparently and had even provided a detailed information on how I was paid and what product I had sold and where, of course. Now, on XX/XX/2021 Paypal emailed me saying that I can no longer do business with them and after logging in to my account, they said they will hold it within 180 days. The email address linked to my Paypal account is XXXX. I really believed and have trust with the US government and as a XXXX, I enjoy working with clients from the US. I hope that this will be sorted out because that was a hard-earned money and it is needed most as a citizen of a third world country. I would thank you in advance for any help you can offer to me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems is attempting to collect on a debt that doesn't belong to me. I have disputed this erroneous information and yet they are reporting that it's my debt. This debt is for an apartment complex called XXXX at XXXX apartments and the debt amount is for {$8000.00}. This debt is fraudulent. I have never lived in an apartment complex called XXXX at XXXX apartments. I have sent a copy my police report, my ID theft affidavit, and my FTC information and they won't respond. I have asked for validation such as a contract containing my signature or proof. There's no proof because this isn't my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response. I feel as though I'm being taken advantage of and ignored about the disputes I presented. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted or I will file for litigation due to the stress endured from you.

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 2021-03-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting inaccurately the amount of time the account has been 30 days, 60 days and 90 days past due as compared to XXXX and XXXX. The firm in question is XXXX XXXX XXXXXXXX. This firm is also currently under litigation by the attorney generals of several states for illegal and unfair practices towards consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tri-State Adjustments, Inc.
State: WI

Complaint narrative:
I am XXXX and on low income with social security. We have been receiving calls from Tri-State Repeat calls as harassment Lately, they call every few days. The message sounds like a robocall. We have asked them to stop calling, but they still do. 
They have started to leave a message saying they are collecting a debt since XXXX. However, they are supposed to send within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days. They have not sent any written communication and it has been over a month now. 

We are retired and on low income. This includes high-pressure collection activity and lawsuits. We are requesting that they cease and desist communication with us, as well as my family and friends, concerning this and all other alleged debts they claim we owe.

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