vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
There was an incident at the apartment complex. 

The complex fined several tenants and attempted to evict me Ive went to court because reported fees were incorrect, Ive paid them and they havent removed themselves from my credit reports

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 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I have banked with PNC for over 8 years, and recently opened up a large credit line with XXXX XXXX based out of the state of Delaware. My monthly statement came in and I was told I could connect my PNC bank account to my XXXX  to make payment for my credit card balance. When I went to add my PNC account to my XXXX XXXX online payments it stated " PNC has made a change that prevents you from being able to link your accounts ''. I am very upset and wanted to file a formal complaint to see if this can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
missing a payment by a few days shell points auto attendant is a nitemare calling as many as dozen times a day usually with someone that can't speak good English and refuses to identify themselves told them covid has affected my work past 12 weeks and now just a few days late they are pest asked them as to not call will make payment within couple weeks and will be caught up to date still call dozen times or more to home and work site ( which I am no longer there ) and leave messages with operators urgent personal business must call immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
XX/XX/20 XXXX This account does not belong to me and has inaccurate information about me reporting to the bureaus and bureaus have not verified the information. I have asking for verification and validation of this account. The collection agency/lawyer replied back with inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
My XXXX signed me up for a deferred payment without interest with Comenity Capital Bank for an XXXX from XXXX. I had my bank make the direct payment of {$200.00} per month which went to the company on a regular basis. Last month the amount owed was {$230.00} dollars but the bank only paid {$200.00} dollars as it had been set up two years ago. I tried paying the {$38.00} but was unsuccessful getting to the account to make payment. The company now wants to charge me {$1400.00} additionally because the {$38.00} dollars were not paid before the loan expired in mid XXXX.. The company did not send me a notification of the loan expiration date and two years later it is unreasonable for them to think that I had that date present on my mind, especially during the time of crisis in our country, I have contacted them several times and they are not helpful. Their XXXX  score is # 1, which explains their behavior, I need your help trying to resolve this unjust matter. I am a responsible consumer with a credit score of over 800. Thank you for your assistance with this matter.! XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28 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: MI

Complaint narrative:
This complaint is for consumer XXXX XXXX XXXX XXXX, Social I.D . XXXX, address XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX, MI XXXX, phone number XXXX in regards to factual disputes I sent out to Equifax Information Services LLC around XX/XX/2020 and XX/XX/2020. Equifax has failed to provide me with an updated credit rpeurt two times and has violated the Fair credit Reporting Act ( FCRA ) and also failed to investigate my dispute and respond within 30 days from XX/XX/2020 and XX/XX/2020 on my dispute as indicated in the attached letter to this complaint for XXXX XXXX, XXXX, XXXX XXXX. I attached a picture of the letter since the letter was not certified mail I took a picture. On the dispute dated XX/XX/2020, I told Equifax that they were late on my XX/XX/2020 dispute and to delete the information per the 30-day policy laid out under the Fair Credit Reporting Act I also raised additional disputes directly with Equifax asking for an independent investigation under the Fair Credit Reporting Act of the following companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Each dispute raised is different and never been disputed they are in violation of the Fair Credit Reporting Act for not responding within 30 days and must delete the accounts the failure to knowing and willingly refuse to delete the accounts is cause for compensation for {$1000.00} per violation. Failure to delete these accounts is cause for a civil action if necessary and waives, null and voids any prior settlements, any and all prior negations, are agreements in this and all matters from prior to this date of XX/XX/2020 here in forward if these accounts are not deleted, within 30 days of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to  remove this however, I have not been successful.

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 2020-05-28 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: FL

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-28 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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: PNC Bank N.A.
State: GA

Complaint narrative:
Close my link to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In 2018, Equifax asked for documents for me to lift a security freeze and restore online access although they always had all needed information from the original security freeze. 

I am trying to refinance my mortgage today and can not lift a freeze. I lifted with the two others and not with Equifax. 
I called today and they are asking me to resubmit the same paper documents they have from two years ago. This is not acceptable and now my mortgage refinance process is at stake on a tight timeline. They also have policies where they say I can not speak with them on speaker phone and are very unfriendly and unhelpful. I can not email them or do anything online to solve my problem I am stuck with a bad XXXX number. 

Please help me get my credit unfrozen and online account restored. Equifax is the only credit reporting agency holding my credit hostage during an important financial transaction. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to 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 monetary relief
Consumer complaint received 2020-05-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI

Complaint narrative:
On XX/XX/2019 my bill for {$340.00} dollars did not go through when it was submitted on Toyota Financial online payment site. I reached out to Toyota they said that sometimes those payments online may not go threw so we should always verify to make sure payment was accepted. Because of payment not going threw I received a 30 day late on my credit. I explained that it was the only 30 day I had ever received after leasing with Toyota for over 7 years could they remove it from my credit as a one time courtesy. I was told all credit disputes have to be submitted in writing and I did so and they denied me the removal. Due to this late payment it affected my rates for turning in my vehicle and purchasing another lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-28 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: FL

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Deposited check on XX/XX/2020 Was told funds would be available earlier than XX/XX/2020 due to my banking relationship with bank of america, as a preferred client funds would be available 3 business days earlier. Funds were not available as promised. Thus resulting in loss of investment gains as this income was going to be utilized.

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 2020-05-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2020 I placed an online order for a refrigerator at Best Buy. The order clearly states that delivery/shipping is free ; however, the day after the refrigerator was delivered on XX/XX/2020, I received an itemized order details statement showing that I had been charged a delivery fee of {$69.00} ( {$75.00} with tax ). I called Best Buy to get the " free '' delivery charge credited to my credit card but was told they could not issue a credit and offered me a gift card. I declined the offer and again asked that a refund be issued to my Best Buy Visa account. After repeated phone calls to Best Buy, on XX/XX/2020 I filed a formal dispute online and eventually filed a dispute with the Best Buy Citi Visa card account. 

On XX/XX/2020, I was notified the following by Best Buy Credit Services : " We are pleased to inform you that you have received a credit for the amount ( s ) below from BEST BUY. It has already been applied to your account and appeared on your billing statement dated XX/XX/2020. 
Transaction Amount {$210.00} We now consider this matter resolved and have concluded the dispute investigation. '' This is not resolved! The {$210.00} credit was applied as a " price match '' for the refrigerator I purchased, due to a lower price by a competitor. This credit has nothing to do with the {$75.00} " free '' delivery charge I am disputing! I have since tried to re-open the dispute but have not received a response from Best Buy Credit Services. Please help me get this matter resolved. I am asking for {$75.00} " free '' delivery charge be credited to my Citi Best Buy Visa card. Let me know what additional information/documents you require to make this happen. 
Thank you, XXXX & XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Unable to use XXXX to round up spare change from PNC bank debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
unable to report unauthorized charges on Bank Of America XXXX prepaid card. I have been calling for over two weeks with 3 hour hold 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 2020-05-28 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
I contacted AmerAssist A/R Solutions to delete a collection off of my credit report and was provided with a resolution to make a payment to delete off my report. After my payment, the collection was not deleted. 

I contact their office and left a VM that was never returned. I later spoke to a representative who transferred me to 3 different people who were unable to listen or resolve any issues. The first person listened but the issue was outside of her control. The second person was extremely rude without taking the time to even listen she already was screaming for no apparent reason. The last representative transferred me to a VM line to get rid of my call. They offered to abide by their initial agreement but only if I made an additional payment which is completely unethical. I left a VM on the line that I was transferred to which again has resulted in no resolution. 

AmerAssist A/R Solutions has deceived their client by providing misinformation and then back peddling on their promises. I am requesting a letter/email confirming this collection is deleted from my report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: VA

Complaint narrative:
I hired a credit repair company XXXX XXXX XXXX XXXX to help resolve issues regarding my credit report. An account I had with XXXX XXXX company is still appearing on my XXXX, XXXX, and Equifax credit report. This account was opened in XX/XX/2013. This account /item is past the statute of limitations and therefor should have been removed, however XXXX  , XXXX  , and Equifax have still failed to do so even after attempts by XXXX XXXX on my behalf to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help resolve issues regarding my credit report. An account I had with XXXX XXXX company is still appearing on my XXXX, Experian, and XXXX  credit report. This account was opened in XX/XX/2013. This account /item is past the statute of limitations and therefor should have been removed, however XXXX , Experian , and XXXX  have still failed to do so even after attempts by XXXX XXXX on my behalf to have it removed.

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