vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX my father passed away and I asked the creditor if I was able to get an extension or deferment for 1 month due to a death of an immediate family member. I was granted it but shows up as a late payment for why I wasn't sure since I told them what was going on even emailed a copy of his death certificate to them to prove I wasn't lying. And between XX/XX/XXXX till XX/XX/XXXX I was laid off. XX/XX/XXXX till XX/XX/XXXX was due to a harsh winter and unable to work outside. And from XX/XX/XXXX till XX/XX/XXXX from COVID. I asked the creditors if I could have a reduced minimum payment or a brief hold or deferment on my account due to the COVID outbreak and unforseen weather. I talked to multiple reps and they noted that in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
My FHA Mortgage loan was originated in XX/XX/XXXX. At that time MIP  was added to the loan prior to the permanent changes to MIP  which went into effect XX/XX/XXXX, per HUD Mortgagee Letter XXXX. I have made numerous attempts to have Lakeview Loan Servicing , LLC remove the MIP since the LTV is below 78 %, the loan is over 5 years old and all payments have been made on time. They told me I need to refinance the mortgage and that is incorrect and needs to be removed immediately. 

According to HUD FHA guidelines MIP must be removed if you meet the following criteria if you Applied between XX/XX/XXXX and XX/XX/XXXX : 1 ) Youve maintained a good payment history without any 30-day late payments for the past 12 months. 
2 ) When you reach 78 % loan-to-value ( LTV ) based on the original value of your home.

3 ) You have paid MIP for at least 5 years since originating your current first mortgage Their contact information is : For Notices of Error and Information Requests Lakeview Loan Servicing ATTN : Mortgage resolution P.O. Box XXXX Virginia XXXX, Virginia XXXX XXXX Loan Number : # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, MD 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 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On Equifax XXXX they have a address that I once lived at my name is listed as XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX. I have never ever live there. Can someone help to get that removed from my credit reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: MO

Complaint narrative:
The following accounts are not mines, and is effecting my credit files. I have not authorized any of these companies my personal information, so these unauthorized and unknown accounts shall be removed immediately from my report 1. XXXX {$31.00} 2. XXXX {$2100.00} 3. XXXX {$2000.00} 4. XXXX XXXX XXXX {$470.00} 5. XXXX XXXX XXXX {$83.00}

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 2021-03-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
On XX/XX/2021 XXXX XXXX denied me access to my account. The PenFed 's website gave me an error message that I am including in one of the attached files. 

While it is understood that XXXX XXXX system may experience technical difficulties once in a while, it is expected that the company should keep track of the issues, identify the causes of the problems and attempt to resolve them in a timely manner. 

When I reported the problem to PenFed, its representatives denied that their website was not functioning properly and claimed that it was my browser that was having the issues. 

I requested PenFed to provide any evidence that they may have supporting their claim that all my we browsers on all of my devices independently were having problems at the same time.In response PenFed has not provided any evidence and only speculated that the issue was with my browser. 

In response to my complaint PenFed requested that I, in my free time, perform a burdensome task of a Quality Assurance Engineer of gathering technical details of the incident and spent time on the phone with them assisting their employees in identifying their problem and refused to acknowledge that their company website was having the problem.

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 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This company took over an account that was paid off 3 times, In XXXX of XXXX I received a letter from the US DEPT OF HOUSING Account number # XXXX stating that I had 30 days to reply to a collection claim that can in, so I called seventh times and said to a XXXX XXXX XXXX from US Dept of Housing. I send emails to her showing that XXXX XXXX was paid 3 in XXXX & XXXX. And the 3rd week of XX/XX/XXXX US Dept of Housing took {$2400.00} from my income tax and they send me a letter stating that the debt is paid in full. Then they are reporting ok my credit report that I am in collections as of XX/XX/XXXX. I have been asking Experian to fix this on my credit and they have been giving me a hard to either fixed the payment history or selecting this item from 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 2021-03-01 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: MO

Complaint narrative:
The following accounts are not mines, and is effecting my credit files. I have not authorized any of these companies my personal information, so these unauthorized and unknown accounts shall be removed immediately from my report 1. XXXX {$31.00} 2. XXXX {$2100.00} 3. XXXX {$2000.00} 4. XXXX XXXX XXXX {$470.00} 5. XXXX XXXX XXXX {$83.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: MO

Complaint narrative:
The following accounts are not mines, and is effecting my credit files. I have not authorized any of these companies my personal information, so these unauthorized and unknown accounts shall be removed immediately from my report 1. XXXX {$31.00} 2. XXXX {$2100.00} 3. XXXX {$2000.00} 4. XXXX XXXX XXXX {$470.00} 5. XXXX XXXX XXXX {$83.00}

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 2021-03-01 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/2020 at approximately XXXX I attempted to withdraw {$200.00} from a US Bank ATM in the lobby of my workplace but received an error code on the ATM machines monitor with a message stating timed out, no money will be withdrawn from your account. I thought this particularly odd to say transaction timed out because it appeared almost immediately after I inserted my ATM bank card and so I made a second attempt but again received the same error code message. I then drove directly to another nearby US Bank ATM and from there did successfully withdraw {$200.00} When my US Bank monthly statement came in the mail it showed that {$200.00} had indeed been deducted from my account at the first location and {$200.00} from the second location as well. I immediately reported this matter to US Bank upon receiving my monthly statement and having noticed the banks error. Since the time of reporting this error to US Bank I have received a letter from US Bank stating they have investigated my claim and have found themselves to be in the right and that I did in fact receive {$200.00} from both locations. I notified them that this is impossible as their ATM have electronic time stamps of every transaction and error code that occur daily on their machines plus cameras that record every customers interaction at an ATM. I also told US Bank I want to see this alleged video proof that they possess showing that I did indeed receive {$200.00} at the first location otherwise the bank is calling me a liar and also guilty of attempting to perpetrate bank fraud by submitting this claim for a {$200.00} refund to my checking account. After receiving this letter, I contacted the XXXX XXXX XXXX to file a complaint and since the time of asking the XXXX to investigate the matter have acquired a second letter from US Bank reiterating their stance that they are not in error but in effect I am. In requesting ATM video footage from US Bank I have been informed that in order to see this alleged video footage I a judges court ordered subpoena would be required so therefore I am filing criminal charges against US Bank in order to seek release of this video footage and to be reimbursed {$200.00} which was erroneously withdrawn from 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 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am have had my American Express since XXXX never missed a payment and also paid in full then Im XX/XX/XXXX. I attempted to make a payment via online American Express website. The program state they were no payment due at this time. I called customer service and they confirm that was no payment due at this time.. The cards was then closed along with my two separate American Express other cards without any notices. I filed an complaint and I was told I will be not charged any interest and late fee while the matter is being investigated. They concluded the investigation in 25 days and confirmed that I there was an error on their part but they will not be able to reopen my card and I would have to pay the late fees and interest on the card and closed account. Second, Amerixan Express refused you refund my annual fees or reopen cards. They have cost my thousands and I this is gross abuse of power. I have been a great customer. And my card was closed through no fault of my own

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: Nelnet, Inc.
State: PA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2021, I deposited a check for thousands of dollars at Wells Fargo Bank. This check is for medical expenses paid to me by the insurance company. However, Wells Fargo listed the check I deposited as " Unusual Deposit Account Activity '', and the check was " On Hold '' until the XXXX. During the virus pandemic and Texas snowstorm, Wells Fargos malicious freezing of normal checks deposited by customers is unacceptable to anyone.

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 2021-03-01 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: Conn's, Inc.
State: LA

Complaint narrative:
Conns home plus is reporting a late payment for XX/XX/2020 when in fact I paid them 2 payments in XXXX. This needs to be removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting two accounts on my credit reports as charge-offs/writeoff ; however, this company is still reporting a balance due which has been sold to a third party company. I never received anything from this company advising me that they were transferring an old balance to a debt collection. Also, this account is identified as a student account which I NEVER had any type of " student account ''. I have attached proof of this inaccurate information. I contacted the bank in XX/XX/2021, I was advised they didn't see any accounts due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XX/XX/20 I made a purchase at XXXX for {$2800.00}. After shipping delays, I received the wrong item before receiving the correct item and returned it on XX/XX/20 back to the XXXX XXXX physical store XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I was promised a refund. None has been issued to me. XXXX XXXX has a record of my return. I filed a dispute with Apple Goldman Sachs card due to no refund. Apple Goldman Sachs, backed by Mastercard, provided me with a merchant response that states XXXX XXXX, XXXX issued for XXXX. The remainder of the funds has not been issued. Apple says XXXX XXXX told them I got a gift card. I contacted XXXX XXXX to get this gift card and so far none of the managers ( XXXX XXXX XXXX Store ) XXXX or XXXX or XXXX can track it down and the folks at corporate call center has acknowledged that a gift card does not exist. Given the miscommunication and XXXX XXXX XXXX inability to solve this or properly communicate directly with me, the credit card should issue me the amount due to me {$2800.00} - {$42.00}. I have paid off the card so you can send me a check to my new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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:
PayPal set a limitation on my account and locked me out for no reason. I have tried numerous times to email, file a report to get it up back online and going but they did not help me with anything at all! I have not been able to get any help from them for months since XX/XX/2020 and just remembered I can file a report here as I do feel they are not doing their job properly and is affecting me a great deal since I used it for business. Their " contact us '' and " help '' tab are completely useless and deceitful especially their staffs replying the emails. My email linked to the PayPal is XXXX I really hope your department can help me resolve this issue. I have been living on emergency money for months now and will gone after paying my car installment and mortgage in XXXX. This covid situation hit my family very bad, I'm in desperate phase now. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting two accounts on my credit reports as charge-offs/writeoff ; however, this company is still reporting a balance due which has been sold to a third party company. I never received anything from this company advising me that they were transferring an old balance to a debt collection. Also, this account is identified as a student account which I NEVER had any type of " student account ''. I have attached proof of this inaccurate information. I contacted the bank in XX/XX/2021, I was advised they didn't see any accounts due.

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 2021-03-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting two accounts on my credit reports as charge-offs/writeoff ; however, this company is still reporting a balance due which has been sold to a third party company. I never received anything from this company advising me that they were transferring an old balance to a debt collection. Also, this account is identified as a student account which I NEVER had any type of " student account ''. I have attached proof of this inaccurate information. I contacted the bank in XX/XX/2021, I was advised they didn't see any accounts due.

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 2021-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
On XXXX, I sent a letter regarding the accuracy and fairness of credit reporting and I feel as though I am being taken advantage of and completely ignored of my rights as a consumer. I contacted this company asking for validation of the alleged debt and still have not received a response. I also told them that they are not to report any inaccurate or invalidated information to the credit bureaus that could be detrimental, but they continued to which is a violation of my consumer rights. According to 15 USC 1692e, debt collectors may not use any false, deceptive, or misleading representation with the collection of any debt. When this company added inaccurate and invalidated information to my credit report, they were in clear violation of my rights. They are ruining my reputation as a consumer, and according to 15 USC 1681, the sole purpose of the credit reporting agencies is to evaluate the character, and general reputation of consumers. I demand this account be removed from my consumer report, or I will be forced to file litigation due to the extreme stress an anxiety this experience has caused me. Again, I sent letters to this company and no action, other than again violating my rights, has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
On XX/XX/2020 I was served eviction papers because I refused to comply with an illegal removal from my rental home. The case went to trial in NC XXXX XXXX XXXX on XX/XX/2020 and was dismissed with prejudice. In summary, I won the case.

Company response to consumer: Closed with explanation