vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 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: Cedars Business Services, LLC
State: PA

Complaint narrative:
In XXXX I drove my Dad who is XXXX to an area near the square in XXXX XXXX. My Dad ancestors are from the area. He is XXXX and I sent a copy of the XXXX pass along with a note and the XXXX never responded and sent me to this debt collector. 

A year later I received a ticket for driving in a area without a authorized pass. 
From there I heard nothing unit Ceder Business Services harassed me about a {$480.00} debt by phone repeatably. The fee was {$180.00} that I originally received and responded to a year earlier. 

Today I receive a letter form the debt collector that states " We inform you that if you do not react to our request for payment, legal proceedings for coercive debt collection will take place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/XXXX we started a mortgage re-finance with XXXX XXXX for a mortgage we had held since XX/XX/XXXX with BB & T. On XX/XX/XXXX we received a letter from BB & T telling us they had received a request for final payoff statement. On XX/XX/XXXX BB & T received subordination document for our HELOC loan, asking for their signature. Closing was expected on XX/XX/XXXX. 
BB & T did not sign the subordination document for 19 days - our closing was delayed to XX/XX/XXXX. Payoff was not received until XX/XX/XXXX. 
As a result of BB & T 's delay in signing the subordination document, we incurred a late charge on our XXXX mortgage payment AND we had to pay XXXX XXXX  {$780.00} to hold our interest rate for the new 15 year mortgage. ' We learned about this charge at the closing, even though we were told there would not be any charges that day. 
We have tried to work with both banks but all they do is point fingers at each other and will not take responsibility.

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 2020-07-21 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: TX

Complaint narrative:
account/names/all not mine filed FTC report : office of the atty gen XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX XXXX XXXX XXXX address are not mine : XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: Penn Credit Corporation
State: FL

Complaint narrative:
I requested proof of ownership of a debit by Penn Credit that reflects on my credit. This was back in XX/XX/2020 after requesting via phone. I did not received anything. I waited and then called again XX/XX/XXXX and spoke to someone who stated they will resend, he could not confirm if my original request was sent out. I went back and fourth explaining this on my credit is hurting my credit and need to just have this resolved. I then decided to pay the amount after being advised if I pay they will send to all 3 credit bureaus showing paid in full and request for it to be removed/deleted form my credit. I advised I only see it reporting on 2 credit bureaus, he stated that's fine as they will send info to all 3 and  ensured it will be removed and would stop hindering my credit, he stated once payment post, 10 to 14 days letter will be sent out to all 3 credit bureaus. It is past the time and I have called and was advised to log in with my zip code and ID # and print out proof of payment and that letters were sent. I have confirmed with all 3 credit bureaus, letter has not been received and they will not remove account until letter has been received from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent Outsourcing, Inc. claims that I owe {$550.00} for XXXX   XXXX XXXX XXXX XXXX. I have not received any documentation from the original creditor that proves I owe this amount. I have not lived in XXXX for over 3 years. I believe this amount is inflated. I have written to them to ask for proof of documentation and to cease any communication with me about this debt. This debt collector recently called me to harass me about this incorrect amount. I will complain about them to the Attorney General of XXXX if they do not cease collections and take it off my credit report.

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 2020-07-21 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: GA

Complaint narrative:
I spoke with the company reporting the incorrect information back in XX/XX/2020 and per a letter sent to me on their company letterhead they were forwarding a letter to all credit bureaus to delete the entry from my files. I contacted the credit bureaus but they are saying they did not have that information and continue to say they are still reporting as verifiable.

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 2020-07-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I spoke with the company reporting the incorrect information back in XX/XX/2020 and per a letter sent to me on their company letterhead they were forwarding a letter to all credit bureaus to delete the entry from my files. I contacted the credit bureaus but they are saying they did not have that information and continue to say they are still reporting as verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I purchase a used XXXX XXXX XXXX XXXX and dealer placed it through Ally Bank. I purchased GAP , Road Hazard, Maintenance plus additional warranty coverage through XXXX XXXX but cancelled it 2 days later. XXXX sent Ally four ( 4 ) separate checks {$520.00}, {$890.00}, {$1900.00} and {$2100.00}. 

XX/XX/XXXX Ally processed the {$520.00} ck as my 1st pmt. and therefore took out {$100.00} in interest. 
XX/XX/XXXX I paid online my first payment of {$420.00}. Since Ally says the above {$520.00} was a payment and not a refund I was paid ahead and I had to force them to accept my real payment ( again taking out more interest ). 

XX/XX/XXXX Ally processed the {$2100.00} check and again took out {$55.00} in interest. 
I have " chatted on line '' since that's the only way you can talk to anyone on : XX/XX/XXXX and again on XX/XX/XXXX. My chat on XX/XX/XXXX stated that the finance charges will be processed to my principal balance in 1 to 2 business days. Didn't happen. 
XX/XX/XXXX lengthy chat. Briefly, I was told multiple times " my position is not enough to fix your problem ''. 
I will send a copy of both chat sessions and I apologize beforehand for my anger.

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 2020-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My girlfriend sent me {$5000.00} on XX/XX/XXXX using Paypal to help pay for some work we are having done on our house. I tried to send the money from my PayPal account to my bank but was declined by PayPal. I tried to call PayPal to get the issue resolved but was unable to speak with anyone. I then tried to use the chat but have not been succesful in getting my issue resolved. Because of the way the chat works you send a message and someone answers a few hours later which makes it impossible to get anywhere. My communication has streched over 6 days and I stil l dont have access to my funds. First they suggested I withdraw the money in smaller amounts which really does me no good becuase I needed the money in a timely fashion. I tried to withdraw a smaller amount and have the money sent to my bank but was declined. Then I tried withdrawing a smaller amount using a card and was successful but this menthod has fews associated with it that the other method does not. Also the amount I could withdraw was a fraction of what I needed. Then they told me to set up a 'Cash Account ' and try to withdraw the money which I did and then was still unable to withdraw the money. They then got a specialist for me who told me to refund the money back to my girlfriend. I tried to do that and was unsuccessful because my bank declined with insufficient funds, although why I need any funds from my bank I dont know. All I am trying to do is refund the money that was sent to me. At this point I dont know what to do because Im afraid to cancel the refund or to try to withdraw the money again beause I dont want to be charged any additional fees. The most frustrating part is there is no one to call to resolve this I just keep getting a chat bot on the website. and I have been without access to my money for 6 days now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
BSI Financial failure to make timely payment from escrow account for homeowner 's insurance policy renewal. Contacted BSI multiple times to resolve issue, which was treated with no urgency from their end, resulting in expired policy, potential late fees, and consumer frustration/time spent trying to push the process along. 


XX/XX/2020 - received notice of servicing transfer to BSI Financial Services XX/XX/2020 - due date for Homeowners Insurance policy renewal XX/XX/2020 - received notice from insurance company that payment had not yet been received. Initially contacted BSI Financial Services to remit payment from escrow account. Provided BSI with all relevant due dates for insurance policy and policy expiry date. Was told by BSI that the escrow records were not updated, so I would have to pay insurance premium out of pocket, rather than escrow. 
XX/XX/2020 - 2nd contact with BSI Financial Services. Sent email copy of Insurance invoice with attention to escrow department. BSI said they would send a check. 
XX/XX/2020 - 3rd contact with BSI Financial Services. Still no check sent to insurance company. Re-sent email copy of insurance invoice with attention to escrow department. BSI said they would send a check. 
XX/XX/2020 - BSI online portal shows check mailed. 
XX/XX/2020 - Policy expired XX/XX/2020 - Received notice from insurance company that payment had not yet been received. 4th contact to BSI, and received a tracking number to provide to  insurance company. Check was not sent with any expedited shipping, although it was mailed only 4 business days in advance of policy expiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX  sent me a letter dated XX/XX/XXXX, advising they agreed to remove the remark. XXXX advised me to give the Credit Bureaus 30 days to remove. Thinking I'd received the letter in XXXX, I filed a dispute with Experian XX/XX/XXXX because the late payment was still showing. On XX/XX/XXXX. Experian sent me an update on the dispute advising XXXX reported the information as accurate. I didn't worry because by then I realized I got ahead of myself and I hadn't waited 30 days as advised by XXXX. What I'm filing this claim for is because On the very same day the dispute was updated, Experian also decreased my score by 41 points!!! I was advised by Experian that it was because of the late payment. The late payment was from XXXX of XXXX, so I'd already been hit. They said if I had an issue with the decrease I had to contact FICO because they are the ones who reported the decrease to them. I was not successful at contacting FICO.

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 2020-07-21 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: AR

Complaint narrative:
I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theftXXXX {$360.00} 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 2020-07-21 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: TX

Complaint narrative:
account/names/all not mine filed FTC report : office of the atty gen XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX XXXX XXXX XXXXXXXX address are not mine : XXXX XXXX XXXX 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 2020-07-21 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: TX

Complaint narrative:
account/names/all not mine filed FTC report : office of the atty gen XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX XXXX XXXX XXXX address are not mine : XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCB/PAYPAL - Banks and s & ls - Inquiry Reported to XXXX   XX/XX/XXXX - 2019 contact information PO BOX XXXX XXXX, MD XXXX ( XXXX ) XXXX I don't not recognize it as I don't own any account under SYNCB/PAYPAL. This is a mistake on the report as I havent given permission to any bank or lender screener company to pull out a report and needs to be corrected and removed.

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 2020-07-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
3 years ago this company kept calling.. looking for a XXXX XXXX XXXX I told them they had the wrong number. 
In the last 30 days they call a minimum of 3 times per day. 
My VOICEMAIL clearly states my name ( its not remotely close to XXXX XXXX XXXX. I have recorded their communications and call logs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: TX

Complaint narrative:
address that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
The company has never reach out to me regarding the debt. The company keeps reporting the debt as an open debt as of XXXX. A certified letter was mailed out to the company back in XX/XX/XXXX asking for verification of dates of service and other necessary information. The company failed to respond to certified letter and no communication has ever been received from company however company is still reporting to credit with last reporting of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: TX

Complaint narrative:
address that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX department of Treasury 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 2020-07-21 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: TX

Complaint narrative:
address that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX department of Treasury 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 2020-07-21 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: TX

Complaint narrative:
Equifax and XXXX  are incorrectly reporting that I am an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: TX

Complaint narrative:
XXXX and Transunion are incorrectly reporting that I am an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-07-21 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:
I bought a product for {$110.00} at XXXX XXXX on XX/XX/19 and returned defective 3 months ago as it always was defective. They confirmed item was received.

Company response to consumer: Closed with monetary relief