vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
A review of my credit report reveled a collection notice had been placed with the three credit reporting agencies by : Commonwealth Financial XXXX XXXX XXXX XXXX PA XXXX Due to a bill from : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I have never had any contact, received a bill, phone call, or any correspondence with either of these companies. 
My health insurer is XXXX. The indicated that there are no outstanding bills, co-pays or disputes with XXXX XXXX. 
How can a collection agency be allowed to act in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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:
XXXX XXXX WAS PAID IN FULL THEY ARE STILL REPORTING I OWE {$4400.00} IT WAS PAID WHEN ACCOUNT WAS CLOSED

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 2020-01-06 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: FL

Complaint narrative:
XXXX XXXX WAS PAID IN FULL THEY ARE STILL REPORTING I OWE {$4400.00} IT WAS PAID WHEN ACCOUNT WAS CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Today, XX/XX/2020, I got an alert email from TransUnion that my credit score had dropped. Upon viewing I immediately noticed that TransUnion all of a sudden listed more hard unauthorized inquiries on my credit file that was not there a few days ago. When I looked at each inquiry I noticed that they are from XXXX months ago but for some odd reason TransUnion suddenly decided to add them to my credit file today. I have a copy of my TransUnion credit file on XX/XX/2020 and for showing the inquiries that was just added today. I find this very unusual behavior on TransUnion to add inquiries that are from XXXX months ago. I don't know what kind of deception they are trying to get away with but these inquiries are unauthorized.TransUnion is very deceptive in the way they process inquiries, allowing the perpetrator that applied for credit with my personal information to slip away when TransUnion takes months to add the inquires to my credit file. I have included an updated copy of my Identity Theft Report along with this 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 2020-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I obtained conditional loan approval on XX/XX/XXXX for a {$690000.00} mortgage to purchase a coop apartment at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX, NY from Bank of America. I received a clear to close from the coop, sellers, and all attorneys on XX/XX/XXXX. Bank of America has still not given me the clear to close and my rate lock expires on XX/XX/XXXX and they have asked to run my credit report again because it expired. They have provided no clear answers as to what is holding them up and no timeline as to when I will be able to close. My attorney and myself have been emailing them everyday and are getting strung along with no answer. All parties are beyond frustrated.

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 2020-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was purchasing a set of tickets for an event and the woman took my XXXX and never gave me the tickets - PayPal refused to cover the fraud. They said they can not cover the funds even though I used my secured account. I have the XXXX posts and a copy of the

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Date XX/XX/2020, My credit scores dropped off XXXX point by EXPERIAN without any known reason. 
My scores went down from XXXX to XXXX. I dont remember i do any thing wrong. My history is 100 % percent. 
I pay on time and my debt % is less than 4 %. I just remember that i did one dispute for some companies to remove from inquiries and this is not the first time i do dispute. 
I dont know whats the reason that makes EXPERIAN drop my scores by XXXX points?

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 2020-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
On XX/XX/XXXX My credit card was charged : {$89.00} by XXXX without my purchase or permission.

On XX/XX/XXXX I identified that approximately 35,000 Reward Points had been removed from my credit card point program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I received a bill from Barclay 's ( Aviator Mastercard ) around XXXX XXXX, XXXX. I had a late fee and interest charges totaling {$42.00}. I looked at my bank statement ( XXXX XXXX XXXX  ) because I had sent the payment of {$300.00} on XX/XX/XXXX but it did not get debited from my account until XX/XX/XXXX. I thought it was matter of overlap with the payment and billing cycle so I held onto my bill to research later. On XX/XX/XXXX, I received notification that a purchase, which was already set up to pay with my Aviator card, was denied. I called Barclay 's ( Aviator ) to investigate. I spoke with XXXX and was informed my account was in arrears and they had no record of my XX/XX/XXXX payment of {$300.00}. I called XXXX while I had Barclay 's on the phone and the agent verified that the payment was debited from my checking account on XX/XX/XXXX and they had a copy of the check stamped by XXXX XXXX, who I assume is the payment processor. Barclay 's told me they would start a " missing payment inquiry '' but it could take 25 days and I could not use my card in the meantime. However, I am still accruing late charges and interest. I told them I was NOT going to make my XX/XX/XXXX payment until they find my previous payment. I called Barclay 's again on XX/XX/XXXX to check the status. I asked for a supervisor, was put on hold for 20+ minutes and then disconnected. I am concerned about this process taking so long, my missing {$300.00}, and the fact that they have no qualms about my account being put in arrears, which negatively affects my credit! They would not simply suspend or put my account on hold. My concern is that my payment is being held so late charges and interest can accrue. This seems to be an ongoing issue, as for the last 3 months, my payment has taken 7-10 days to post to my account. I have accrued late fees despite sending to payment in a timely fashion. I am concerned since I have a positive credit history with all of my accounts. I feel Barclay's/XXXX XXXX are intentionally not processing payments until after the due date in order to charge late fees and interest. It is also of interest that I was told on XX/XX/XXXX that the missing payment inquiry was started on XXXX XXXX. I know I did not call Barclay 's on that day, as it was a Saturday and was my birthday. I did not inquire about my payment until XX/XX/XXXX so why was an inquiry started nearly 2 weeks earlier? Could it be to make it LOOK like they were searching for my " missing '' payment? Also incidentally, if an inquiry takes 25 days and was started on XX/XX/XXXX, the end date of the inquiry is XX/XX/XXXX, my next payment due date. Interesting.

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 2020-01-06 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-01-06 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 found several items on my credit report that are inaccurate. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties the bureaus are damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-01-06 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I tried placing a Freeze on my Experian credit file and I was denied. Experian asked me to mail in my request to freeze my credit file. I refuse to mail Experian requesting a freeze when I need to have my credit frozen immediately. I am a victim of identity theft and need to have my credit frozen immediately without having to wait weeks to hear back from Experian via mail. I refuse to pay a credit bureau to lock my credit file when it is their job to make sure my personal information is protected and the lock should be offered for free to consumers.

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 2020-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have received mutliple calls from Portfolio recovery group asking for me they never verify any of the information and instead ask me to verify myself to them i have instructed them to stop phone calls to me and all communication 4 times and they have continue to harrass me i have rcvd 6 calls today alone from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd
State: HI

Complaint narrative:
I made an order to TransferWise on XXXX XXXX, 2019 for converting {$830000.00} XXXX dollars to USA dollars, and transmitted the {$830000.00} XXXX to them. Because of the long time it took them to approve the associated documents, they cancelled my order and requested that I inform them where to send the {$83000.00} refund. They then, without my permission, resurrected the cancelled order and made the transfer any way using the original conversion rate of XXXX XXXX. Since the order was cancelled, they had no right to do this without my permission. I was accordingly prevented from obtaining the refund that the cancellation involved, and using this money for a new order. Since the rate of exchange had improved at the time of the cancellation from what it had been in the original cancelled order ( and has remained improved to this day XXXX, I have incurred a substantial loss, in not having the {$830000.00} available for a new order that I intended to make. I can substantiate these facts in particular from a XXXX XXXX email from Transferwise in which they state concerning the unauthorized resurrection of the order " I believe that a confirmation by yourself would have been necessary before proceeding. I am sorry this did not happen ''. 

In resurrecting the cancelled order, they transferred the {$830000.00} XXXX using the XXXX XXXX rate of XXXX resulting ( after theXXXX % fees ) in XXXX USD, whereas a new order would have employed the improved rate that had become current of XXXX resulting in {$580000.00} USD. So because of the unauthorized transfer I received {$9500.00} USD ( {$580000.00} - {$570000.00} ) less than I would have been able to receive if the unauthorized transfer had not been made and I had been able to use the {$83000.00} in a new order as planned. I accordingly requested transferwise to reimburse me the {$9500.00} loss that I had thereby suffered. Their response was merely a limited offer to waive their commission on a future transfer that I might make.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-06 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: Specialized Loan Servicing Holdings LLC
State: MS

Complaint narrative:
In 2011 we filed for Chapter XXXX and subsequently an order was entered disallowing the claim which converted this debt to non recourse. The debt was then sold from XXXX XXXX  to SLS. SLS is reporting missed payments on XXXX. We contend the loan is non-recourse and these entries should be removed. They were removed via contact by XXXX XXXX and then replaced a month later.

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 2020-01-06 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 found several items on my credit report that are inaccurate. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties the bureaus are damaging my reputation and credit worthiness.

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 2020-01-06 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: GA

Complaint narrative:
I found several items on my credit report that are inaccurate. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties the bureaus are damaging my reputation and credit worthiness.

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 2020-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
My leased car matured XXXX 2019 and returned the lease document and purchased the same vehicle. 
The Infiniti financial office in XXXX office said the headquarter will send me the lease deposit to my home but never did. 
They were even supposed to pay off my last lease payment but ended up paying the last bill after 2.5 months and my credit score went down by XXXX points too.l I spent countless times getting hold of the rep in the company and tried to get my money back. They always said either they were working on it or sent to my home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: UT

Complaint narrative:
IC Systems is attempting to collection a debt on my credit file that I do not owe. The original creditor is XXXX XXXX I did not receive any notices or letters of this debt. I only knew of the debt when I had my credit checked. As soon as I found out I called and paid it.This is a violation of my 30 day right to dispute and request that this debt be removed of off my credit. This debt is no longer owed.

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 2020-01-06 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: FL

Complaint narrative:
I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
On XX/XX/2019 I applied for the fay servicing borrower assistance. I spoke with and corresponded with my account manager, XXXX XXXX, on multiple occasions and provided additional documents as requested in a timely manner. I attempted to contact XXXX XXXX in XX/XX/2019, and when I could not reach her I opted to speak with someone else in the office I was advised they could not speak with me and transferred me back to XXXX XXXX to leave a message if she did not answer. 
On XX/XX/2019, XXXX XXXX returned my call and indicated she had been trying to contact me I asked what number she had called as I did not have any missed calls from her, her response was " Gurll I don't know who I have been calling, I thought you had ghosted me! '' On XX/XX/2019, XXXX XXXX advised me my application was complete and was sent to underwriting for review. At that time XXXX XXXX indicated she would contact me weekly with updates. That was the last time I had contact with XXXX XXXX. I have left voicemail messages and emailed her numerous times. I have never received any decision on my loss mitigation application and as I stated XXXX XXXX is not returning my requests for information. Foreclosure actions have been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Premier Auto Credit
State: CA

Complaint narrative:
They are trying to collect a debt from somebody else that gave my phone number from what I gather. They don't stop calling. I do not know the person that they are trying to reach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: MS

Complaint narrative:
In 2011 we filed for Chapter XXXX and subsequently an order was entered disallowing the claim which converted this debt to non recourse. The debt was then sold from XXXX XXXX  to XXXX. XXXX is reporting missed payments on Equifax. We contend the loan is non-recourse and these entries should be removed. They were removed via contact by XXXX XXXX and then replaced a month later.

Company response to consumer: Closed with explanation