vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion via XXXX XXXXXXXX XXXX XXXX has my Credit Score XXXX Points less than whomever XXXX XXXX XXXXXXXX uses. The reason, according to their " Fix '' Suggestions is that I do not have ANY Mortgage History. I had Mortgages on various properties from XXXX until I paid off my last Mortgage in XXXX. I have lived " Debt Free '' since then. Like many Seniors that I know, ( I am XXXX ) I charge many regular expenses on a Credit Card that offers Cash Back, Then, pay it off on the day before the due date every month. I charge something on my " oldest '' Credit Cards about twice a year to keep them active. Every month ; ALL OUTSTANDING BALANCES ARE PAID. 
While my TransUnion Credit Rating is Excellent ; I still believe that they should take age into consideration, as many Seniors I know operate this way. If we own our homes and pay all our debts every month ; do we deserve to be punished for it?

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 2021-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: WI

Complaint narrative:
{$270.00} dollar loan was told to settle on XXXX XXXX for {$310.00} on my online profile it says {$350.00}, called in, now they say {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
Reliacard/US Bank is not allowing me to withdraw funds that I need while out of state. I have attempted to speak with them multiple times by phone to resolve this. I was told they have placed a " travel exemption '' on my account. However, they still will not allow me to withdraw funds greater than {$240.00} per transaction, causing me to incur excessive out of network atm withdrawal fees. 

CFPB is also not allowing me to view the company 's response ( pdf attachments ) - so here 's more work for you 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 2021-03-16 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
They have been reporting on my credit differently via all 3 major bureaus. On my XXXX they have been claiming I have on time payments since 2020. I have tried all 2020 to contact them to validate this debt. They have not done so and continue to report false information. I believe they are reporting that I have on time payments to prolong statue of limitations and time-barred. I am now on my third attempt via certified mail. It now has been 30 days and again no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I was laid off during XX/XX/XXXX and during the COVID-19 outbreak I fell behind payments and XXXX  which is XXXX charged off my secured credit card without giving me a chance or assisting me without any payment plan. 

One I began working on a contract, I contacted the debt collector hired by XXXX XXXX Radius Global ) on XX/XX/XXXX and setup a bi-weekly payment plan of $ XXXXPayments started on XX/XX/XXXX and bi-weekly payments continued until XX/XX/XXXX. 

On XX/XX/XXXX, I called Radius Global who was the debt collector for XXXX and ask for an settlement, they agreed on $ XXXXand I aid with my debit card which immediately was withdrawn from my account. 

Radius Global explained within 48 hours of the payment that they would notify XXXX of the payment that the account was settled. I then disputed my account with XXXX  and uploaded the settlement letter and the payments. On XX/XX/XXXX XXXX updated my XXXX  account stating that I the balance is now {$1500.00} and no payments were made on my account. 

XXXX is falsely reporting to the credit bureaus instead of reporting the account was settled and most of all that bi-weekly payments were being made on the 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 2021-03-16 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: TX

Complaint narrative:
So starting XX/XX/2020 I sent out letters to the bureaus stating that I believe that some of the information on my credit report was fraudulent and didn't appear to be correct. Waited 30 days no response so I sent it out again, XX/XX/2020 Still to this day I have yet to receive and mail regarding my investigation. XX/XX/2020 I sent a letter just asking them to investigate the negative accounts and didn't get anything. 
To this day I have yet to receive anything from the bureaus in regards to any of the mail that I've sent out.

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 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
REF : XXXX XXXX ATTN : LOSS MITIGATION DEPT LOANCARE XXXX XXXX, VA XXXX LOAN # XXXX PHONE # XXXX HELLO CFPB, SORRY TO BOTHER, BUT I HAVE BEEN/DONE THRU 2 OTHER MODIFICATIONS IN MY PAST 2 HOMES DUE TO STATE WEATHER DISASTERS. I CAN SAY THEY WERE THE EASIEST PROCESS I HAVE BEEN THRU. 

FOR SOME REASON, THIS MODIFICATION DUE TO MY BATTLE WITH COVID AND JOB RELATED, HAS BEEN A PAIN 100 %. 

FIRST I HAVE ATTACHED A FED PACKAGE THAT I JUST GOT ON XX/XX/2021 BUT PAPERWORK DATED XX/XX/2021. I HAVE MADE THE MORTGAGE COMPANY KNOW MULT. TIMES THAT I HAVE BEEN RECEIVING MAIL FROM THEM 20-30 DAYS FROM THE LETTER DATE. SO LACK OF MAIL COMMUNICATION IS POOR. 

SECOND, I HAVE TRIED TOO MANY TIMES CALLING THE ASSIGNED AGENT WITH SOME EXT NUMBER. THAT IS FALSE AND DOES NOT WORK AT ALL. TRYING TO CALL SOMEONE AT, IT TAKES OVER 1 HOUR EACH TIME. I HAVE TRIED FIRST AM AND LATE PM. NO LUCK. IT WILL TAKE OVER 1 HR ON THE LINE.

THIRD, AND LAST. I HAVE LIKE I SAID, I HAVE BEEN THRU 2 OTHER MODIFICATION AND UNDERSTAND THEM 100 %. I TRIED TO CONTACT AND SPEAK TO A AGENT BY THE NAME OF XXXX, BUT SHE WAS CLUELESS ON THE PAPERWORK I GOT. SHE SAID THAT SOMEONE FROM THE MODIFICATION DEPT WILL BE CALLING ME. 

WHY I AM CALLING FOR HELP! 

WHERE ARE THEY GETTING CURRENT PAYMENTS ARE {$1700.00} FROM? IF MY CURRENT PAYMENTS ARE {$1600.00} SINCE DAY 1? 

WHAT IS {$83.00} CHARGE ON EACH STATEMENT COMING FROM? 
( BECAUSE DURING FORBEARANCE, MORTG DO NOT CHARGE LATE FEES ) WHERE IS {$2300.00} COMING FROM FROM? 

ALSO MY CURRENT MORTGAGE DOES NOT HAVE ESCROW, WHY ARE THEY TAGGING ON INSURANCE AND ESCROW? 
( MINE ARE PAID UPFRONT AND CURRENT ) HOW DID THEY GET {$2300.00} PAYMENTS ON 480 MONTHS WITH 2.75 %? 
( THAT IS INCORRECT ) ( ( IT SHOULD BE ABOUT {$1200.00} PAYMENTS ) ) I NEED SOMEONE OR EXPERT FROM THE MORTGAGE DEPT TO CALL ME! 

THANK YOU, RC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: KY

Complaint narrative:
i went on line in XX/XX/XXXX and my Transunion had my car loan that i have with XXXX XXXX XXXX, but the problem was that it wasn't showing any of my payments that i made nor any the payment history and also wasn't showing the right balance. so the first thing that i did was call my bank and spoke to XXXX who is over the loans an she said that i am being reported and she didn't know why that Transunion didn't show that so i went on line thru XXXX XXXX  an filed a dispute on XX/XX/21 and as of today i check my email because it said that it was completed so i logged in to my account and they said that Transunion investigated my dispute and DELETED this from my credit report!!! so i called them today and the rep said that yes they deleted it and that i need to have my bank resend and report again on my car loan to them, i told him that they deleted it and need to put it back on so i spoke to a supervisor an he said that they cant delete anything that my bank did, .which is a lie, i told him XXXX has it and also has the correct info an why don't they and he would not help me, the file number that i had with them is XXXX so i called my bank and spoke to XXXX again an she said that they didn't tell them to delete this and that i as of today am still reporting to them. i have never had this happen to me before and i really need help to put this back on my report with them, i still owe {$15000.00} on my car loan and i work very hard to have great credit, could someone please help me with this issue, TransUnion is a nightmare. i am attaching proof of what they said to me, an my phone calls were recorded when i called today with TransUnion, i called them 2 times, first time was at XXXX XXXX spoke to a rep then got transferred to a supervisor and then i called back at XXXX and rep hung up on me. thank you for your help

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 2021-03-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hi, I went for a car repair with XXXX XXXX XXXX.I got a code XXXX is a knock sensor code.When I left after I was driving my car at the first time over 30 miles the computer threw the same code again.I went back and tried to solve the problem with the merchant but they refused to do the job.I dispute the charge under I am not satisfied with the workmanship.The credit card company asked for proof of fixing my car but I could not show that because I already spent way too much money with the merchant.I am planning to fix my truck but I could not find anyone to work on my vehicle yet.Before I went to a different mechanic and after that XXXX started to work on the car they could not solve the issue either.I paid for a repair close 2000 $ /the first shop and XXXX  all together/.The credit card company closed my complain because they claimed that they did not get my paperwork on time.They closed the option to upload anything on the last day.I faxed the paperwork to them on the last day which was XX/XX/XXXX but they did not do anything.

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 2021-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
ARS is reporting a debt of {$1500.00} on my credit report however I do not owe this debt. I have reached out to the XXXX XXXX XXXX, which was the hospital I was seen at in XX/XX/XXXX and they stated that I do not owe {$1500.00}. Also someone from the hospitals billing department called the insurance company XX/XX/XXXX at XXXX letting them know that I dont owe {$1500.00}. I have also called my insurance company that I had at the time which is XXXX and they told me nothing in their systems states that I owe that amount. I reached out to the collection agencies about three times now and they still refusing to remove this debt or provide any validation or proof of this debt. Also they have hung up in my face several times.

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 2021-03-16 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: OH

Complaint narrative:
I have sent several letters to the credit bureau letting them know that the information on my credit report for Transunion and XXXX is reporting inaccurate information on my credit report. As a result of this information it is putting a strain getting approved for other loans and jobs and this is the only thing effecting it. XXXX XXXX  is reporting incorrect information to the credit bureaus Transunion and XXXX. Its not just inaccurate information but the two reports are saying two different things. I have told XXXX XXXX  about this and the credit bureaus. I have not ever been in foreclosure. I would like for these accounts to be deleted as XXXX  has investigated and deleted this inaccurate account. If this issue is not resolved I will begin litigation process to the fullest power. i have already contacted a lawyer and was told to try this process one last time. It is the bureaus job to report 100 % accurate information and clearly they are not when comparing the reports. I ask that you follow suit and delete these accounts immediately Transunion account # is XXXX XXXX  account number 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 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have sent several letters to the credit bureau letting them know that the information on my credit report for XXXX  and Experian is reporting inaccurate information on my credit report. As a result of this information it is putting a strain getting approved for other loans and jobs and this is the only thing effecting it. XXXX XXXX  is reporting incorrect information to the credit bureaus XXXX  and Experian. Its not just inaccurate information but the two reports are saying two different things. I have told XXXX XXXX  about this and the credit bureaus. I have not ever been in foreclosure. I would like for these accounts to be deleted as XXXX  has investigated and deleted this inaccurate account. If this issue is not resolved I will begin litigation process to the fullest power. i have already contacted a lawyer and was told to try this process XXXX last time. It is the bureaus job to report 100 % accurate information and clearly they are not when comparing the reports. I ask that you follow suit and delete these accounts immediately XXXX account # is XXXX Experian account number 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 2021-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: LoanCare, LLC
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: NJ

Complaint narrative:
LOANCARE/ XXXX XXXX is reporting an incorrect mortgage balance to XXXX  XXXX 

Our mortgage was transferred to Loan Care for servicing on XX/XX/2021. On XX/XX/2021 LOANCARE/XXXX XXXX  first began reporting our loan information to XXXX Credit bureau. 

Our loan balance should be reported as {$180000.00}. 

However, LOANCARE/XXXX XXXX XXXX  has reported the balance as {$180000.00} We would like the mortgage balance reported accurately to all credit reporting agencies that LOANCARE/XXXX XXXX use.

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 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian refuses to delete an address that no longer has anything to do with me. I spoke with a litigation team and was told legally they are required to delete any and all address that does not belong to many every or any more. XXXX  is the only company who has not followed the laws set forth. I am a victim of identity theft and address XXXX XXXX XXXX XXXX Ohio XXXX should be deleted off of my report immediately as other bureaus have. If this process can not be resolved here I will start all litigation procedures that I was directed to start if this issue is not resolved here

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 2021-03-16 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 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I transferred {$25000.00} from my checking account using an ACH wire on XX/XX/2021 to my coinbase.com account. The reference number for the transfer is ELECTRONIC/ACH DEBIT COINBASE.COM XXXX XXXX XXXX. The money was never credited to my account. I emailed coinbase.com user support multiple times, but no one ever responds. I spoke with XXXX XXXX at XXXX XXXX XXXX  in NY, which is coinbase 's bank. XXXX tells me that XXXX XXXX received the wire transfer and sent it to coinbase. The trace number for the wire transfer is XXXX and XXXX XXXX direct telephone number is XXXX XXXX. I have provided all of this information to coinbase.com in a series of emails, but they haven't responded. The reference number for the inquiries I have made to coinbase.com is Case # XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
I keep getting repeated calls from a specific number that refuses to leave messages. Today I happened to pick up the phone to see exactly who is calling from the number, and it turned out to be Credit Management. The caller asked for my first name which I verified, she then verified my previous house number and street name, and I confirmed that it was an old address. Before I provided any further information, I asked who she was and what business they were calling about. The caller got rude on the phone and refused to tell me the nature of her call. She then said that since I refused to verify my identity, she can not provide me with any details about the company and why shes calling. She then also said that they will continue to call me until I confirm my identity, so I replied that I will continue to demand to know whos calling me before I release any other info. 
I googled the company to see if they are legitimate, and started to file a complaint but I would first need to divulge a lot of my personal information. I called their toll free number and asked to speak to a manager, and I was put to hold for XXXX. He refused to tell me anything about the nature of their call, other than the name of the company. I told him that were not going to get any further so please stop calling me as I have trouble sleeping at night and Im XXXX. During this tax time season, and the many ways that people are getting scammed, Im very skeptical about anyone calling me demanding confirmation of my identity, if they wont identify themselves first.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief