vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX , XXXX. a collection agency - reported to all three credit bureau that account they had as a debt not paid was actually paid in full and requested removal of that account on XX/XX/XXXX. All three bureau still were showing the account as active and not paid by the end of XXXX so I filed a dispute. Second request for removal was sent from the collection agency by the end of XXXX as an answer to inquiries from all three bureau. After that request XXXX XXXX an XXXX  removed the above account from their credit reports in the first week of XXXX. 
EXPERIAN kept dispute going on and kept reporting the account as an active and not paid. I called XXXX XXXX again and the agency sent another request for removal on XX/XX/XXXX. After that the XXXX  XXXX account disappeared from the Experian credit around XX/XX/XXXXand my credit  score increased 60 points but on XX/XX/XXXX Experian placed the same account back on credit report as a NEW LATE PAYMENT that was paid in full and my credit score plummeted 60 points. I called XXXX XXXX again asking why the account was placed back on the credit but the representative said she did not know why and told me again that they already sent 3 request to remove the said account from the credit reports - after every time I called. 
Experian representative - XXXX denied receiving ANY requests, denied the fact that XXXX  XXXX was ever removed before it was placed back but said that dispute was resolved and shows account as paid in full. He denied removal of the account as well as checking what happened with the request sent from XXXX XXXX XXXX. I was denied the conversation with his supervisor as well. 
By the way I checked the Experian report since I am refinancing my house and I was waiting for that account to be removed and it was removed not mention that it took me a long time to finally get the amount right since they wanted almost twice that much what I was really owed. I still paid {$200.00} more then I should but wanted that to go away.

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 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My total Care Credit loan was for XXXX My promotional period was no interest for 18 months I paid more than than my monthly due to pay the loan off well my remaining balance was XXXX I recieve a bill for XXXX they charged me 26.99 % for the entire loan amount not the remaining balance!!

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 monetary relief
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jim Bottin Enterprises, Inc
State: NC

Complaint narrative:
On XX/XX/20 I began a membership with XXXX XXXX in XXXX NC. As it was before the height of the pandemic and things appeared to be dying down, I began the membership once the club had reopened. I was going to the gym throughout XXXX and XXXX. Once XXXX hit and the pandemic began to rise again, I took some time away. In XXXX, my grandmother became ill with XXXX and my family began the process of relocating to take care of her in her final days. I immediately reached out to the gym looking to cancel as I was both not feeling safe about going during the months of XXXX and XXXX and now was going to be moving to an area several states away from the gym. They did not return my call. After several more unreturned attempts to reach out to the gym and cancel my membership, I reached out to ABC Financial, the group who handles billing and memberships for XXXX XXXX. The first person I spoke with said they would contact the gym on my behalf and tell them to contact me. They did not. My call today was equally fruitless as they simply pushed me to call the gym again. At this point, I have received an email about a late fee on my account at the value of nearly twice what I would be paying had I paid the month of XXXX. I have had zero luck reaching out to the gym and getting a response and I would just like the membership cancelled. 

I would provide more documentation but their account website has no documentation of my member ship ( as shown in the screenshots Ive attached ) and doesnt even have the number for the gym listed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AFNI INC.
State: NV

Complaint narrative:
AFNI XX/XX/2020 {$2000.00} My credit repair company has disputed this account but this is not me nor my debt. My credit repair Company is the credit people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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:
I kindly ask you to investigate and remove these accounts from my credit report. I do not recognize these accounts I believe I was a victim of identity theft. I have no contracts or agreements with these accounts. I do not know how these items ended upon my credit report. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-12-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, my husband died while visiting our daughter in XXXX. I took a loss and sold our condo in XXXX XXXX. I presented the death certificate at closing and gave Bank of America ( BOA ) an original copy of it at the banking center on XXXX XXXX. 
The loan was paid off and a remaining escrow check was sent in the name of my husband, XXXX XXXX, on XX/XX/XXXX, ( check no. XXXX ) in the amount of {$2300.00}. 
Our joint account was forced closed by XXXX XXXX when they received notice of his passing, therefore I had no account to deposit it to with XXXX 's name. I took it to Bank of America which stated I would have to open an Estate account to deposit the check and would need to file with the courts. 
With the help of an attorney, the Circuit court Judge for XXXX County Probate Division, Honorable XXXX XXXX XXXX, signed the Order of Disposition of Personal Property without Administration ordering BOA to reissue the check in my name on XX/XX/XXXX at XXXX XXXX. This order was sent to BOA by my attorney on XX/XX/XXXX. I followed up with a call on XX/XX/XXXX ( After 1 hr, 51 minutes on hold ). XXXX ( BOA Rep ) stated I needed to call back and speak to the Estate services Dept., XX/XX/XXXX XXXX and XXXX from Estate Services Dept. said they don't see the document. XX/XX/XXXX I had my attorney send it again to the name change unit via Fax at ( XXXX ) XXXX and through mail XXXX XXXX XXXX XXXX, Fl XXXX. 
XX/XX/XXXX ( After 1 hr. 21 mins. on hold ) XXXX ( BOA Rep ) stated she didn't see the documents. I told her they had already been sent twice. She researched another location and finally found the documents and submitted a request for check processing stating the estimated time would be XX/XX/XXXX before I'd hear back and gave me Request ID # XXXX to reference. 
On XX/XX/XXXX I received a letter stating BOA needed more time to research the request and would send a response in 15 days. As of XX/XX/XXXX, I haven't heard anything further. XX/XX/XXXX ( After being on hold for 1 hr. 34 minutes ) XXXX ( BOA Rep ) stated the check was reissued on XX/XX/XXXX but was unsure why it wasn't sent and transferred me to XXXX which stated she couldn't release any information because I'm not on the account and has no record of any court documents. She stated she had the account up and didn't need to look at request ID # XXXX. After I insisted on speaking to a manager, she stated they would call me back in 48 hours. 

This is the same process I have repeated on 2 prior occasions. I have spent over {$500.00} in attorney and filing fees trying to get BOA to refund me the {$2300.00} I paid into escrow and still no progress after a year!! I don't know what else to do

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 monetary relief
Consumer complaint received 2020-12-10 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: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
My Nordstrom account were I make purchases still has the previous Nordstrom credit card attached to it. The Nordstrom credit card was fraudulently used and stolen back in 2017. I never used the credit card. I sent police reports to Nordstrom and TD bank to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: CA

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
It is my third complaint on Navient. Navient has been calling me and emailing me, begging me to talk to them. I didn't want to talk to them because anytime I speak to them, it's always my one after another 's worst experience. They were recently begging in an email, leaving threatening voice mails on my phone, and contacting anyone they think are my relatives, including anyone related to my cosigner. On Tuesday, XX/XX/XXXX, they sent me an email that said they got some excellent offers to settle the loan and release my cosigner. After I finally contact them, I got a chance to speak to this lady name Ms. XXXX. 
Ms. XXXX has also been leaving threatening voice mails on my phone, my cosigner phone, and anyone they think related to me or my cosigner for two weeks. Notice me or my cosigner never gave them anyone 's number for references. I think they buy people 's information illegally online and then start calling them. So, when I finally talk to Ms. XXXX, there was no reasonable offer. 
The email was a trick to get me on the phone with them. When I refused the unrealistic offer, they made for settlement. She started screaming and yelling on the phone and keep telling me that there will be consequences and they will take my house ( which I don't have ), they will garnish my wages ( which I don't have ). After I told her I was done with her, and I was hanging off, she said, " Okay, wait, talk to my supervisor. A guy came on the phone who was probably the biggest XXXX that I have ever spoken to on the phone in my whole life. He wasted my time for 20 minutes, asking me all kinds of questions, and then started harassing me. He started telling me he will garnish mine and my cosigner wages and take our houses, which none of us has. Navient needs to stop this kind of unrealistic harassment. I am taking XXXX  and XXXX medication because of the threats they have been making on my phone, my cosigner phone, and anyone we know whose information they buy online. I have XXXX XXXX because of them. I want to put this on the record that if I end up in a XXXX  XXXX  or XXXX  XXXX, it will be because of Navient. Today, XX/XX/XXXX XXXX, I got a threatening voicemail from Ms. XXXX on my phone again even though I talked to them yesterday. If they didn't stop and if I didn't end up in a mental hospital or didn't commit suicide because of them. I will be filing a lawsuit against them for defamation, psychological torture, harassment, violation of my privacy, and violating the fair debt collection act. It is almost becoming a joke that the CFPB lets Navient get away with this many illegal activities. I have always mentioned to them that I am recording the conversation and have all the conversations recorded. I will love to see them in court. The number of illegal activities they have done ; in my case, Navient representatives should be in jail for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: GA

Complaint narrative:
On several occasions I wrote to Equifax disputing a bankruptcy that they had listed on my credit report. They wrote me back and said that the information was verified by XXXX XXXX and the court. I contacted both and the court said that they had absolutely not verified the account. XXXX XXXX removed the account from their report. I provided written proof of all of this to Equifax. They could not possibly done and investigation, because they said that they had verified it again with XXXX XXXX after XXXX XXXX had clearly acknowledged that the information was inaccurate and removed it from their report. 

Equifax then made 3 requests for me to prove my identity. I had included my driver 's license and social security in my original requests and follow up response. I felt that this was designed to frustrate me and make me give me. But it just doesn't make sense that if they entities that you claim gave you the information either say that they did not or admit that the information was incorrect then Equifax can not justify keeping this inaccurate data on my report. 

I believe that Equifax is willfully failing to conduct a lawful investigation and stubbornly refusing to remove this bankruptcy listing from my account. It is as if they think that they don't have to meet their obligations and can continue to inflict hurt on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: NJ

Complaint narrative:
Hi, I'm a dad of XXXX. I have been working my XXXX off during this pandemc. I was always a stay away from credit guy but I have recently been more in tune with it because of current situation. As I look my report, I notice some fraud accounts and they aren't sitting well with me. I've sumbit the documetation to the federal and they tell me that I should follow up with the bureas of reporting. I saw that sectin 605 of law say that these accounts have to be remove from my report. I am not to good with computer so I did my best to upload my stuff.

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 2020-12-10 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: NJ

Complaint narrative:
Hi, I'm a dad of XXXX. I have been working my XXXX off during this pandemc. I was always a stay away from credit guy but I have recently been more in tune with it because of current situation. As I look my report, I notice some fraud accounts and they aren't sitting well with me. I've sumbit the documetation to the federal and they tell me that I should follow up with the bureas of reporting. I saw that sectin 605 of law say that these accounts have to be remove from my report. I am not to good with computer so I did my best to upload my stuff.

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 2020-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Paypall loked my account. Back in iXXXX i was able to talk life on the phone. with customer service to transfer the money direct to my checking account. Never happened. I.m not able to use the automated sistem.it has my old phone number. There is no more life representative. Everything is automated help self service. My account is bloked. There was numerous e mails. Somebody try to hacked my account. Now is permanently bloked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Made a deposit with Suntrust account {$190000.00} XXXX never received a debit card from Suntrust,. How ever my card has been activated use to transfer funds in XXXX and XXXX XXXX account without my consent ... ..I was told by Suntrust Bank they had the rights to activate my card Because its a joint account however the card was sent in XXXX XXXX ... Legal Declaimer XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: GA

Complaint narrative:
This account was never late. I have always paid on time, not sure due to covid the system made an error. My account should be reporting current never late. I am responsible and pay all my debts on time, this is really affecting me.

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 2020-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
I received an email from Paypal that a login was made into my account by an unrecognizeable device on XX/XX/XXXX. An unauthorized transaction of {$100.00} was also made before my account was closed and I could not file a dispute with Paypal because I was not able to log in. 
The transaction was made to XXXX XXXX XXXX and I have never made a purchase from that company. I also saw other complaints of the same incident happening to others involving this company and Paypal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report I have requested to see the original application. To this day, which is well over 60 days later, I still have not received a response or the original application. I feel like Im being taken advantage of and being ignored of my dispute. According to section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have gotten into the hands.

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 2020-12-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
I recently filed a complaint here against USAA because they are not giving me a way to pay my charged off secured credit cards. They offered up a really slick explanation as to why the debt is valid, but still gave me no way to pay it. 

I never contested the validity of the debt, I had 2 unsecured cards that I put {$6300.00} cash onto. One is {$120.00} delinquent and the other is {$73.00} delinquent. I paid them off i just got charged interest and was unable to make the payments as I'm a XXXX vet and was still waiting on my XXXX. 

Neither here nor there. I requested to pay the bills. I was told it is not their responsibility to provide a method for me to pay them since they are charge offs. I requested an invoice. I was told to just mail a check into the company for the full amount and put " attn billing department ''. Thats a no from me. 

I even had a nice lady one time when I called help me add them both to the bill pay section in the usaa app. When we hung up and I tried to pay them, it didn't work. When I called back, I just got an " Oh well, we tried. '' " It is not our responsibility to provide you a bill for a charged off account. '' Yet they're still reporting it happily every month to the credit bureaus. I have been trying to pay these two bills for over a year. I want to buy a house and these are the two negatives on my credit report. 

Please just let me pay the XXXX cards off!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation