vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 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: AL

Complaint narrative:
In XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX account # XXXX and XXXX XXXX  account # XXXX In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have disputed this debt with all three credit bureaus because it was paid a long time ago and I was assured it would be deleted, because it is a medical debt. It is still reporting on XXXX. A law was passed NCAP, that was written just for this type of circumstance. IT reads, " The credit reporting agencies will also remove from credit reports previously listed medical collections that have been or are being paid ... ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: DE

Complaint narrative:
I have worked in public service since XX/XX/XXXX. I have not changed jobs. It has ALWAYS been my goal to utilize the Public Service Loan Forgiveness Program. Beginning in XX/XX/XXXX, with the exception of a 2 year deferment while obtaining my XXXX XXXX XXXX, I have paid every single student loan payment on time and in full via direct debit. If you're doing the math, I should have been eligible for forgiveness late last year at the end of XXXX. However, my account was still in complete chaos, as it had been for almost a whole year, after being involuntarily switched to XXXX for servicing. I had no idea what my standing was within the PSLF program and my repayment options were suddenly changed for the worse. Only now, the fall of XXXX am I able to view my " progress '' towards PSLF on their website. To my horror, I have XXXX " ineligible payments '' towards PSLF. That is over XXXX years worth of payments that are, in my eyes, WASTED. My previous servicer, XXXX, never made it clear that my repayment options were not eligible for PSLF. And now that I am married, PSLF is centered around income-driven repayment options, thereby significantly increasing my payment. My husband has never contributed to my student loan debt and it is horribly unfair to be given a repayment option that is literally 37 % of MY income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Good day. On XX/XX/2018 I made a purchase for {$10000.00}. I was paying off the credit card interest free. I was never late and never missed a payment. The last bill for the balance of {$560.00} I paid by the due date. Unfortunately, in XXXX I got sick with XXXX and was immobile for 3 weeks. Comenity credit card completely ignored all my cries for help and understanding. They ruthlessly slapped with with almost 30 percent interest from day 1. I keep calling them and telling them that credit card companies offer relief and help during hard financial times but they being completely ignorant. 
I was never late. I dont have any balance on any of my credit cards. My husband was sick with XXXX XXXX. I was sick with XXXX and my father is still sick with XXXX XXXX. I am dealing with a lot of stress and they are trying to collect from me money that I do not owe. I paid off everything and do not owe anything. Comenity reported late payment to the credit bureau as well. They are ruining my excellent credit. 
Please, ask them to dismiss the ridiculous interest charge from day 1. 
Account number : XXXX Address : Comenity Capital Bank XXXX. XXXX  XXXX XXXX, Ohio XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My car was deemed a total loss on XX/XX/XXXX of 2020. The lender, Wells Fargo, was notified that my car was totaled by the insurance company, XXXX, in early XXXX. Wells Fargo is continuing to charge me late fees for a payment that should have been made post my car being totaled and them being notified that the car was totaled. I was under the impression that all payments and late payments should be stopped and the insurance company should be responsible for anything outstanding. 

I am now being penalized daily for late fees and past due payments because I'm waiting for Wells Fargo and XXXX to finish communicating about my loan payoff. This does not seem like a fair practice. To charge consumers egregious costs due to the company 's own slow processing times is unjust. 

I can share more about the details of the case as well as provide emails. Thank you for your time.

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 2020-10-19 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: CARD Corporation
State: PA

Complaint narrative:
I never got my credit for the dispute XX/XX/XXXX OF XXXX XXXX   Purchase On card ending in XXXX - {$25.00}, and I called y'all on the XX/XX/XXXX, I think it was, and the agent told me he would create a case for my issues so I can get the {$25.00} credit into my account, and someone will call me or email me on the XX/XX/XXXX but never emailed me or called me and I still never got my credit for {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name ID Number XXXX Report Number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$530.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$530.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$17000.00} written off. {$16000.00} past due as of XX/XX/2020. 
Account TypeAuto Loan Balance {$16000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$3200.00} Date OpenedXX/XX/XXXX Dispute XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeHome Equity Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$36000.00} written off. {$39000.00} past due as of XX/XX/2020. 
Account TypeAuto Loan Balance {$39000.00} Date OpenedXX/XX/XXXX Dispute

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 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX  account # XXXX In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I XXXX XXXX filed an identity theft on two separate occasions, whereas my Sears Card was stolen and I also initiated an initial police report in XXXX, and another one in XXXX of XXXX. Citibank N.A. owned the account and still pressured me that they would not remove a negative tradeline until I at least made some type of financial settlement. Citibank N.A. through a third-party collection agency known as XXXX XXXX XXXX XXXX knew that through the Fair Credit Reporting Act that my credit report could be used as XXXX of my credit worthiness. Therefore, I had no choice but to pay a settlement that could not even be enforceable in Massachusetts courts. It has been eight months and Citibank N.A. is still posting this Sears account as Past Due {$3500.00}. The account was an identity theft claim and should be deleted permanently. This is a clear violation of my rights under the Fair Debt Collection Practices Act, and Citibank N.A. is in clear violation of their subscriber agreement with the credit reporting agencies. This accounts must be purged 100 % permanently!!!

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 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed this paid medical several times, and it does not appear that Equifax has ever done an investigation into the account. If they had it would have been removed, because Equifax would have been compliant with XXXX a federal law written to protect me from this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TransferWise Ltd

Complaint narrative:
On XXXX of XX/XX/XXXXi open an account on the portal Transferwise. I used it to receive and make payments of my clients. Everything was allright till XXXX that i realized that the account has been closed without any notifications. Till then i have been trying to recover my money without notice. 
Send some mails and the answer is that they are doing some compliance but i think that the they are taking a lot of time to do the work. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19 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:
XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

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 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
A company by the name of " US Asset Management XXXX  '' has been attempting to collect a debt from me that is not mine. They are saying that I owe them a balance of {$290.00} but are telling me that I can settle the amount by paying them {$180.00}. The original creditor was " XXXX ''. I have never done business with either of these creditors. They need to delete this information off of my report immediately. I have already spoken with a representative by the name of " XXXX '' and " XXXX '' at " US Asset Management XXXX  ''. This creditor is on my XXXX XXXX  '' credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
As a man of God, I must be careful with my words. I have to be cautious since Synchrony Financial is treating me like a common criminal. Instead, I am not getting treated as a lawful consumer. Synchrony Financial keeps finding reasons to file ligations against me for fraudulent charges. I dont deal with these folks. They keep confusing me with other residents and continuously make me prove who I am. I know who I am. They do not know who they are. My credit file got breached years ago through XXXX. After many attempts, they surmised that I am a thief. Get this. Heck, this learning curve should not be this difficult. 1-Someone breach my credit file. 
Please be prepared to receive unethical excuses from them to justify their actions. 2-Synchrony Financial made the errors after that. It can not be justified when they are the problems, and they are making consumers suffer. 3-They are persecuting me as an innocent consumer. 4-It has been going on far too long! Please do not give them a break when the bank is punishing consumers unnecessarily. Making apologies to me will not be accepted. They have worried me, and this is an unforced error. The stress has done far too much. This frustration is beyond the pale. Disgraced has set in, and I have lost many nights of sleep. I had XXXX XXXX XXXX  since XX/XX/2020. They are suing me in XXXX, Georgia. It is the third or fourth time. Even if I were the right person, they would have to talk to my brother. I only receive {$720.00} per month through social security from a XXXX XXXX. I am not XXXX XXXX  to handle my financial affairs. I have reached out to the XXXX and XXXX. XXXX  XXXX to assist with these XXXX attacks and strong-arm robbery. Everyone at Synchrony Financial should be in jail, serving an elongated prison sentence. Please shut them down

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 2020-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
XX/XX/XXXX To : Ameris Bank Attention : Mr. XXXX XXXX XXXX, Chief Executive Officer XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX United States Subject : XXXX XXXX  XXXX XXXX Malfeasance in ref. Loan Number XXXX Dear XXXX XXXX : I am writing to you today to express my grave concerns regarding the professional competence and clear malfeasance of XXXX XXXX  XXXX XXXX in regards to the handling and processing of my personal mortgage payment made on XXXX the XXXX of XXXX. 

On XX/XX/XXXX of this year my wife and I made our monthly mortgage payment via XXXX  XXXX XXXX on-line bill payment system in the same fashion we have done, with no problems, every month for roughly the last 10 years. We were disturbed to receive a late notice from XXXX mortgage on behalf of Ameris Bank later that month. Upon follow up, they advised that they had no record of our payment. 

Investigation with XXXX  XXXX XXXX revealed that there were no issues with our payment. They verified that XXXX had cashed the check and was in possession of the funds. To assist us, they forwarded proof of payment to XXXX multiple times in various forms starting in XXXX. We are now in our third month of attempting to rectify this matter with XXXX. They still have not accounted for our payment and we have no evidence of any good faith effort on their part to assist us in doing so. 

I have personally spent 9-10 hours on the phone attempting to speak with a representative, navigating a challenging voice mail system with average hold times of 35-55+ minutes. A system clearly designed to frustrate callers into hanging up so that  XXXX can minimize their staffing and maximize their profits. When we have been successful in connecting with a person, we have encountered indifference, apathy and bureaucratic laziness. 

While my {$2300.00} mortgage payment is a negligible sum in comparison to the roughly {$160.00} XXXX USD in net income Ameris Bancorp earned in XXXX or the {$100.00} XXXX USD in gross revenue earned by XXXX, it is a significant sum to my family and we would greatly appreciate any assistance you can offer in reconciling this matter. 

Respectfully, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX and CEO XXXX XXXX XXXX XXXX XXXX 
Honorable XXXX XXXX, Attorney General of the State of Illinois Honorable Senator XXXX XXXX, Constituent Affairs Honorable XXXX XXXX XXXX, Director Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Stopped payment on property tax bill. Now Im assessed a late fee. My own mortgage company stopped payment on a check. Unnecessary headache.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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:
XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

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 2020-10-19 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:
XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation