vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-25 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 — Problem with personal statement of dispute
Company: STATE FARM BANK, FSB
State: FL

Complaint narrative:
I moved to XXXX in XXXX, 2020, before leaving i closed out my state farm credit card, which was used solely for the purpose of an automated monthly payment of my various XXXX  XXXX  XXXX  policies, before leaving i asked my agent what would be owed after my departure, and provided alternative credit cards for those payments, i closed out the card with a XXXX  balance, and that day, the automated payment was posted, if it was posted before i closed the account, i should have been notified by the representative that i held a balance and i would have paid it then, if it was posted afterwards, it should have been denied and i would have happily paid it with another card, i was never notified, the bill could not be forwarded to XXXX, they spent time calling my old landline i had disconnected a year before, by the time they called my cell on XX/XX/2020, i was 2 months overdue and in internal collections, i paid it that day, XXXX dollars and change, routing monies from my american bank, state farm refused to provide proof of payment, after a hassle of many days, they gave it to my agent, i then took the documentation showing i had a closed account with a XXXX cent balance, and bank documentation of the routed funds, and sent it off with a written dispute to each of the 3 credit bureaus, i followed up with online disputes after phoning each, they refuse to remove the late status and my credit score plummeted from XXXX to XXXX, i am soon returning to the us and want to purchase property, after spending a lifetime with perfect credit, this is infuriating, as i did all that i could ponder to meticulously prevent just this type of issue, i do not know if it can be reversed or removed now that it has been paid in full and there are extenuating circumstances, i beg for your assistance if anything can be done, and i thank you, in advance, for taking the time to read this complaint ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint references complaint XXXX, which I feel was closed prematurely. The company referred to a dispute on XX/XX/XXXX, which was not even included in my previous complaint above. 

From my previous complaint : I sent letters on XX/XX/XXXX, which Transunion received on XX/XX/XXXX. I have not received any response to my disputes requesting a signature that I owe the debt. I sent follow up letters on XX/XX/XXXX, which were received on XXXX. I have not received any communication regarding these disputes requesting a signature that I owe the debt nor did I receive anything from the listed creditors. Also to add, I've disputed directly to XXXX and their address on my credit file is incorrect so there is no way I can reach them by mail. I provided evidence of this, but no action has been taken yet. These issues are preventing me from getting a house and a car, which I can't do until these issues are resolved. 

The company HAS NOT provided any explanation as to why these other disputes have not been addressed in 30 days per the FCRA. I have spent extra time and money documenting each incident as well as using certified mail, yet I have seen no responses from this company. I can continue to send certified letters to the company, but I feel they will go unanswered. There MUST be accountability in this situation per the FCRA. I have attached all documents from the previous complaint.

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 2020-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: NC

Complaint narrative:
XXXX XXXX XXXX  state that I owe {$1100.00} for a emergency bill in XXXX XXXX, Nevada. This bill is from a physician. This debt is not valid and does not belong to me. The bill does not have my correct date of birth. The bill also shows that I was uninsured at the time ; however, that is false. I can provide my health insurance information at the time. I have been attempting to have this debt validated by XXXX XXXX XXXX  for four months and they have yet to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
XX/XX/XXXX To whom it may concern, I am writing this letter due to numerous disputes with Portfolio Recovery in regards to my closed XXXX XXXX XXXX account. 
On XX/XX/XXXX I contacted XXXX customer service after finding out that during my 10 months of XXXX  my XXXXXXXX XXXX XXXX had been compromised and my account was closed with a balance of {$450.00}. I spoke with a representative by the name of XXXX XXXX, who refunded the {$450.00} to my XXXX XXXX XXXX. I have emails from XXXX over the course of three days from XX/XX/XXXX to XX/XX/XXXX. Portfolio Recovery is insisting that I pay the {$450.00} even though the charges are no longer valid. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: FL

Complaint narrative:
They reported a derogatory mark to the credit bureaus, listing it as a charge off because I did not send them the documents they had requested. 
XXXX XXXX XXXX, requested a bank validation letter from me. I sent the bank validation letter on XXXX XXXX XXXX XXXX XXXX  repeatedly told me it would take x amount of time to reinstate my account. I followed up with XXXX XXXX XXXX  after the time had been sufficient as they had stated. Then they after speaking with a supervisor, then a manager for almost 3 hours they told me they had never received my bank validation letter. I told them that my XXXX indicated that I had sent the letter per their instructions ... with my card number, the bank validation letter in a PDF format. They researched the emails after I sent them the original email showing the date XX/XX/XXXX. Then they claimed to have found it but could not open the PDF file, ( Ive sent many PDF files via email and every one has been able to view it XXXX. So, I disputed it with the Credit Bureaus. Not only did they not resolve my issue but XXXX XXXX XXXX  now reports that I am late for XXXX, that is not true I paid twice in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: FL

Complaint narrative:
They reported a derogatory mark to the credit bureaus, listing it as a charge off because I did not send them the documents they had requested. 
XXXX  XXXX XXXX, requested a bank validation letter from me. I sent the bank validation letter on XX/XX/XXXX.. XXXX XXXX XXXX  repeatedly told me it would take x amount of time to reinstate my account. I followed up with XXXX XXXX XXXX  after the time had been sufficient as they had stated. Then they after speaking with a supervisor, then a manager for almost 3 hours they told me they had never received my bank validation letter. I told them that my XXXX indicated that I had sent the letter per their instructions ... with my card number, the bank validation letter in a PDF format. They researched the emails after I sent them the original email showing the date XX/XX/XXXX. Then they claimed to have found it but could not open the PDF file, ( Ive sent many PDF files via email and every one has been able to view it ). So, I disputed it with the Credit Bureaus. Not only did they not resolve my issue but XXXX XXXX XXXX  now reports that I am late for XXXX, that is not true I paid twice in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IA

Complaint narrative:
In early XXXX I initiated a refinance with LoanCareXXXX XXXX. Since then I was instructed to not make the XXXX, XXXX and now XXXX payment. At that time I cancelled my auto-payment to facilitate these non-payments. 

Late XXXX I finally made the payment to avoid going 30-days late and just today I made the XXXX payment for the same reason. I was told they were unable to waive any fees associated with today 's payment which is unfair and unreasonable considering I was told by a representative of their company to not make the XXXX payment. 

Additionally, my refinance is taking entirely too long. We are approaching 120 days on the refinance and my processor has forgotten to submit my paperwork along, is often non-responsive and doesn't contact me for long periods of time. These delays have resulted in extra interest being paid on the mortgage when not necessary.

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 2020-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
They closed my credit account with amazon because it hadnt been used in 9 months, I called to try to get it reactivated and explained the only reason I hadnt used the account was I was trying to purchase a home and was advised by my broker to not used my credit before my loan was finalized. My credit has done nothing but increase since Ive had this card, and I had a perfect payment record for over 2 years since opening my account. They did not care and said I would have to reapply if I wanted my account back. Now the account being closed will likely affect my credit in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service
State: TN

Complaint narrative:
I became XXXX and unable to work due to my XXXX XXXX XXXX after serving 23 years as an XXXX. I received compensation from Social Security Disability, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX ). The income is tax free and under most cases not subject to normal garnishment. However, since AAFES ( Army Airforce Exchanges /Post/Base Exchanges ) do business on Military Bases around the world by Civilian Contractors they claim that unpaid debt to the Military Star Credit Card is secured by the XXXX XXXX XXXX. XXXX allows any unpaid debt to be paid from Federal Tax Refunds. 

I attempted to contact XXXX by phone to determine if my XXXX tax refund was to be garnished. The person had no information about the COVID-19 exemption and stated that my last garnishment from my Social Security Disability was made in XX/XX/XXXX in the amount of {$220.00} that started in XX/XX/XXXX. I had made 5 payments totaling {$1100.00}. Then my XXXX tax refund of {$1800.00} was garnished as well. {$2900.00} has been collected by XXXX and my offer to settle the debt for the money already received {$2900.00} was denied and a counter offer of {$4000.00} was made. I told the person to get bent and that I would not pay anymore.

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 2020-07-25 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: PNC Bank N.A.
State: IL

Complaint narrative:
XX/XX/2020 tried to link my debit card to an online payment account to buy somethinr

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: WI

Complaint narrative:
Due to the nationwide impacts of the coronavirus ( COVID-19 ). I was greatly affected as a XXXX XXXX XXXX. I received one XXXX stimulus check and have not been allowed in occupied units since XXXX. Tranunion credit reporting was suppose to reverse the dispute with the Corona ( natural disaster ) relief. XXXX also refused to apply XXXX will continue to work out deferred payment agreements with residential and commercial customers who are falling behind on their bills. Please call XXXX XXXX XXXX XXXX to request one. 
XXXX will not be disconnecting services to customers. This applies to both residential and commercial customers. 
XXXX will not be assessing late fees to customer accounts. 
XXXX will not require deposits from customer accounts seeking to reconnect services previously disconnected for nonpayment. 
XXXX will waive credit card, debit card and retail payment processing 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 2020-07-25 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I understand by law a company can no longer report after a charge off is paid and this account was paid in XX/XX/XXXX. I financed a XXXX through JPMCB chase finance on XX/XX/XXXX. I live in Louisiana and lost everything i owned including the vehicle in The Great 100 year flood in XX/XX/XXXX. I had full coverage on the XXXX and gap insurance. The truck was deemed to be a total loss and XXXX XXXX was processing the claim as fast as they could being that so many people were impacted. I was in touch with JPMCB Chase Bank and explained the situation and updated them as i was updated. My family including my XXXX  month old daughter were living in hotels and friends due to losing everything. I received a letter from JPMCB Chase stating they were going to put my account in collections in XXXX or XX/XX/XXXX. I called JPMCB Chase  and was informed that XXXX XXXX paid them but there was an outstanding amount of about {$300.00} and it was explained to me what for. I continued to communicate with XXXX and the Gap furnisher and they had no idea what JPMCB Chase was referring to. I contacted Chase and was never given a clear answer and by this time the charge off was on my record and i eventually paid it in XX/XX/XXXX without a clear answer because i was at their mercy due to having to start my entire life over due to The Great 100 year flood. Fast forward to XXXX and when i apply for credit and i get turned down because of a serious delinquency on my credit report. I pull my report and JPMCB- Auto Finance is still reporting to XXXX XXXX XXXX when the account was paid in full under duress in XX/XX/XXXX. I understand by law a company can no longer report after a charge off is paid and this account was paid in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX auto sales. XXXX XXXX purchased the loan from XXXX XXXX. On XX/XX/XXXX the vehicle started running hot and I contacted the dealer and they refused to take the vehicle back, which is what I was instructed to do by XXXX. I contacted XXXX and let them know that the dealer refused to take the car back and exchange it. I told them that the repair bill was {$1000.00} and was there anything that they could do to help. XXXX agreed to set the account up on a payment arrangement. The 1st initial payment was due on XX/XX/XXXX. The arrangement was set for me to pay half on the 17th and the remainder on XX/XX/XXXX. I made a payment in the amount if {$200.00} of XX/XX/XXXX. On XX/XX/XXXX XXXX auto sales used a XXXX tracker to track my vehicle. My vehicle was repossessed at XXXX pm at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX auto sales and stated that I had not made any payment on the loan. XXXX did not honor the payment arrangement that they offer to me since XXXX sold me a lemon. I never received any correspondence from XXXX financial that the car payment was in collections or up for repossession. I never received a phone call, email, or text message stating that the loan was delinquent. XXXX sold the loan back to XXXX auto sales without my knowledge. I went to XXXX auto sales on XX/XX/XXXX around XXXX am and spoke with a XXXX XXXX who is the finance manager. XXXX XXXX provided documentation from XXXX XXXX. The document is a notice of payment default and repurchase demand. He also stated that XXXX financial lied to me about setting up the payment arrangement and stated that I never made any payment. XXXX auto sales stated that the repossession was sent certified mail, however I have yet to receive any correspondence via certified mail. I have checked with my mail carrier and the USPS. XXXX XXXX is demanding that XXXX auto repurchase the vehicle in the amount of {$10000.00} if repurchased by XX/XX/XXXX and {$11000.00} if repurchased after XX/XX/XXXX. XXXX auto is now requiring me to pay the full cash price of the loan of {$10000.00} in order for me to get the vehicle back from them. XXXX XXXX is in violation of the Truth and lending act. XXXX needs to repurchase my vehicle back from XXXX and continue with the terms that we agreed upon for this vehicle. Any damage is done to the vehicle the cost of repair needs to be shared between both XXXX and XXXX auto sales. XXXX XXXX will need to also pay for any all charges assessed due to the violation of federal lending laws. XXXX XXXX needs to cover all towing fees assessed during repossession and to my return the vehicle to the address on my contract with 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 2020-07-25 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: DISCOVER BANK
State: MA

Complaint narrative:
My account has been charged unauthorized since XX/XX/2020. Since then I have disputed these charges and Discover has given back credit. They continue to let XXXX XXXX to charge my credit account even after several times pointing these charges to Discover being fraudulent. Even after they concluded their investigation and getting lack of documents to prove these charges from XXXX   XXXX. They continue to let these charges subside to my account, and when it does. They'll charge my account all the months that I started to dispute these charges. There is no protection to the consumer and this is my last result even after contacting Discover several times for the same issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
On XX/XX/2020 I sent an affidavit of truth stating each violation the debt collection company Santander Consumer USA Inc committed, and a debt validation letter via certified mail with requests for return receipt to the debt collection company Santander Consumer USA Inc. I have not received any validation of debt or any response in writing from the company. On XXXX XXXX I received a return receipt from the company so I have proof they have received the documents as the exhibit attached reflects.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: CO

Complaint narrative:
Retail account which does not belong to me keeps showing up on my Equifax report and keeps bringing my score down. I do not have this information with the other 2 bureaus. It says XXXX   XXXX XXXX but i have never had a XXXX XXXX account. It says on my report the account was opened in XXXX but i didnt have any legal documents at that time. My status was changed and i got my social security number in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
1 ) There is {$11.00} charge that is XX/XX/20 -what is it. I did not authorize-how was it taken out? Please advise-I have waited years for disputes and never resolved. Making occ complaint. 2 ) Also they filed fraud against XXXX XXXX and not XXXX whose item was under warranty-hope this doesnt bite me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have an account with PNC Bank. I have been trying to link my debit card to my XXXX account so XXXX XXXX can be deposited into XXXX XXXX but PNc has blocked this ability. I want to be able to link my card to XXXX ( through XXXX ). Ive tried to discuss this with PNC and they wont permit it.

Company response to consumer: Closed with explanation