vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received my Citi Diamond Preferred credit card statement today XX/XX/2020 which showed that I had a charge of {$30.00} and a late payment fee of {$29.00}, almost 100 %, which is surely usury. I never received the previous bills. The company insists that it sent out the previous bills, but I never received them. I pointed out that we are in the midst of a pandemic, and the Post Office is short staffed and having problems delivering mail. I spoke to two representative at the credit card company, plus one supervisor, and they all assert that they are unable to reverse the late payment fee. This is particularly egregious since I am a senior citizen and do not like the way that I am being treated. I have had this account for over 20 years and always paid on 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 monetary relief
Consumer complaint received 2020-09-23 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: CO

Complaint narrative:
Beginning in middle of the month of XX/XX/2020, I had my only public record drop off my credit reporting bureaus. This was a Chapter XXXX Bankruptcy. ALL my other bills, car payments, credit card accounts, every single one of my accounts were current/ not a single payment late, or missed. When the Chapter XXXX Bankruptcy fell off, my credit went DOWN over 40 points that day, and it had dropped 30 plus points on other occasions, for no reason whatsoever. 
I called Trans Union, and asked them if there was some incorrect information, a collection, repossession, anything, which was causing these enormous drops. They were very evasive about giving me information, but I made it very clear that there was a 133 point difference between the Trans Union Credit Bureau ; which is currently XX/XX/XXXX-today ), and my XXXX report ( which is at XX/XX/XXXX-today )., which was a bit over 700 Points. AGAIN, no missed payments, nothing whatsoever in collections, no judgments. 
Trans Union obviously has some false information, or they are simply judging me/ rating my credit HIGHLY unfairly. I am do WELL understand there may be small variances, but this is absolutely ridiculous. I even looked into having to hire a credit specific attorney if the XXXX, Colorado area to file a suit, or formal complaint against them. They need to correct my credit bureau in a very fast manner as it is costing me higher insurance rates, and much higher rates on financial products I am being offered.

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 2020-09-23 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I emailed Santander via their website requesting full validation of the debt. Sander did not provide me with any validation as they stated they need to speak to " me ''. I provided them with what I needed. The bill has been paid directed to the collection agency. Santander is reporting incorrect dates " Las payment made XX/XX/XXXX ''. I have not paid them anything since XXXX. The collection had been at XXXX XXXX XXXX for 2 years. Santander refuses to give me full validation. I need these documents to show how old the charge off is. I requested the validation on XX/XX/XXXX. I received an email on XX/XX/XXXX stating they needed to speak with " Me ''. No validation gas been received to date. The agent 's name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: LA

Complaint narrative:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX Transunion & XXXX. It has been since XX/XX/2020 I sent certified disputes in mail off & I still havent heard from the 3 credit bureaus & Im tired of waiting. I need results NOW!! COVID-19 should not give these people the power to not follow the FRCA!! This is a Violation that needs to be handled.

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 2020-09-23 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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I Purchased a baby kitten on XXXX for {$300.00} got her on Saturday and she was dead Tuesday morning after taking her to the emergency hospital in XXXX XXXX which cost me {$740.00} in vet services she had infections throughout her whole body and couldnt fight it any longer before you look for a pet dont look on XXXX they used to be honest that they arent any longer both animal control and the emergency vet hospital wore me against ever purchasing or Or getting another animal on 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 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
I was told by the originator that I should expect a certain payment and closing costs that would be rolled into the mortgage product. This was all based on my estimated value of the property in Washington DC. The appraisal came back lower than my estimate and I warned the originator that using the an appraiser who doesn't do appraisals in my area would render my property much less valuable. 

Instead they're now telling me that I'll need to bring XXXX to closing to cover the difference in the estimate. I don't have XXXX to spare. My wife and I are XXXX our XXXX XXXX and for this company ( Amerisave Mortgage ) to pull this is ridiculous. What makes it worse is that  XXXX XXXX recommended Amerisave through their website. I'm considering filing a complaint against XXXX XXXX as well. 

I also had lots of trouble reaching my loan originator once I realized they were trying to have me bring XXXX to the table. He wasn't answering my questions nor forthright once this was revealed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I have a car loan with Ally Financial. On or about XX/XX/XXXX, I realized I would be late with my car payment as my business has gone under due to Covid. I called Ally and told them my situation and asked if I could defer the payment. I was told I would have to pay {$840.00} by the XXXX of XXXX in order to get that deferral. They sent me a letter stating such. On XX/XX/XXXX, I sent the required payment, transferred from my bank account. Ally Financial reported my account delinquent to XXXX and XXXX. I called Ally and they said they would leave a note for their supervisor, but I should go ahead and dispute with the credit reporting companies. I disputed with XXXX and XXXX. 

Today, the results came back from experian, and it says after their investigation, they found it factual, however, now it says my payment was late and not only that it says my next payment is late. Today is XXXX XXXX. My payment is not due until XXXX XXXX, I paid them 10 days ago. Although it is not even my due date it has also been reported as late. 

My credit has taken a 75 point hit due to this. I have always had an exceptional payment history and now without income and trying to keep all my accounts up to date, this credit hit is keeping me from being able to advance.

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 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: MI

Complaint narrative:
On XX/XX/2020 I contacted Americollect about a debt via certified mail. The debt in question is reported twice on my credit report in the amount of XXXX $ opened on XXXX XXXX. I never received notice of this debt, and it is being reported on my credit report. I have written the company for validation of this debt and the company never responded. It has been 30 plus days since contacting the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Home Depot and Citi Retail fraudulently enrolled me in their Balance Protector Program without my knowledge or consent. My husband  and I are both retired and have been for the last 10+ years. However, Citi Retail ( who manages the Home Depot credit card ) claims that we signed up for the program in XX/XX/XXXX. This would not have made sense for us since the Program 's purpose is to guard against loss of income ( which does not apply to retirees ). We have no recollection of this nor did we ever agree to or sign any paperwork to consent to being enrolled in the Program. 

We discovered these Balance Protector Program fees ( averaging $ XXXX $ XXXXmonth ) in XX/XX/XXXX and called Citi Retail to cancel the program and request a refund of the program fees paid. Unbeknownst to us, we have paid a total of {$410.00} in program fees to date. We have contacted Citi Retail and the Balance Protector Program repeatedly to request a refund/credit for these fees ( calls made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and yet no refund has been granted and we continue to get the misdirected to other divisions or 3rd parties. Please help us resolve this dispute and get these program fees credited to our card.

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 2020-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Ink CC issued XX/XX/2020 Credit Limit {$21000.00}. 
Chase closed the account XX/XX/2020 without notice. 
Balance is {$12000.00}. 
Chase voided XXXX points XX/XX/2020 without notice. 
All monthly payments have been made timely. 
Chase refuses to reinstate account and/or points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
In XXXX of this year I attempted to refinance with AMERISAVE MORTGAGE and dealt with a representative who over the phone assured me there would be no problem with my refi due to my good credit etc. He requested a few documents and informed me that if I could not produce those that I would be able to use something else. Over the course of the next two weeks I prepared my documents and sent him some, but I had questions about others. I emailed him, texted him, and left phone messages, and did not hear back. Then I received an email that I was denied and now Im out the initial fee of {$500.00}. 
My c.c. Company attempted to recoup the money to no avail. Whatever information you can provide me will be greatly appreciated. 
Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-23 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
State: AZ

Complaint narrative:
**BEWARE** VENMO Has horrible customer service!!!!! 

Venmo requested I forward my DL for verification, I have sent in the requested documents and now Its under review I have {$100.00} I can not access and considering I am living in a hotel right now if I dont get this money I will be on the street with a newborn. THE AGENTS ARE USLESS! They arent willing to help you and they refuse to go above and beyond for a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: LA

Complaint narrative:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX Transunion & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies. 

COVID-19 should not be a valid excuse for this!

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 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed with transunion and, XXXX XXXX XXXX XXXX , also XXXX XXXX XXXX, I have written them letter to no avail, XXXX is the only one who has obey by the law 609, I have not received from transunion or XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXXothing with my signature on it I would like for the law to be put in place 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 2020-09-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies. 

COVID-19 should not be a valid excuse for this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX  & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies. 

COVID-19 should not be a valid excuse for this!

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 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
I received a bill for {$490.00} from Convergent Outsourcing Inc., a collection agency They said I have a XXXX account balance thru XXXX XXXX XXXX  The address on file was an old address of mine 4 years ago The email they have on file is : XXXX. I have never had this email or ever heard of it before I had a similar problem with XXXX and XXXX XXXX  using this same address in XXXX of 2020. That went thru XXXX XXXX XXXX for the exact same amount .That issue was fraud and resolved in my favor. My credit score and account with XXXX  is locked and has not been breeched

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 2020-09-23 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: TX

Complaint narrative:
To whom it may concern : On XXXX XXXX, I sent a certified letter to Equifax. The letter outlined how these accounts were reporting wrong. I also sent my full credit report to them. I even went as far as circling these errors for their review. When these accounts were disputed with Equifax, the accounts were updated with erroneous status information. How can these accounts go from Included in Bankruptcy, to a Charge Off, or Open, Or Transfered :? I would like to know Equifax 's method of verification. According to Equifax, these accounts were verified with the original source to be accurately reporting. If this statement is true, why did the status change from Included in Bankruptcy, to Charge off? After a Bankruptcy is discharged, the original creditor 's relationship is severed with the debter. No further reporting is required. Especially if it is reporting erroneous information out of spite towards the debter. In conducting any re investigation under paragraph ( 1 )  with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer, and make neccessary changes to a consumer report if the information supports the complaint.. This did not happen. It is obvious that Equifax did not examine the enclosed supporting documentation that I sent them. There was no investigation by them. The e-oscar system does not take into account that the consumer might need an actual person to examine supplied information, to the bureaus, that could rule in the favor of the consumer. E-oscar only repeats the same information that is unverified, or erroneous data that is supplied with the original creditor. Equifax, did not compare the old data that was sent by the original creditors, to the new data that was sent to them by the Federal Bankruptcy Court. 
It is beyond belief, that with the current laws that are written to protect the consumer, that credit reporting agencies can be allowed to report information, that they physically did not verify. And if Equifax would have done an actual investigation, they could have seen that the discrepancies were very obvious to anyone that cared enough to view them. Equifax has failed to protect the consumer, from companies that report old or outdated information. I have enclosed the same report, that I originally supplied to Equifax. I pray that I have been clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
XXXX dollar medical debt was reported on my credit which I paid in 2015 before I bought my house ( its showing paid right now as well ) and I was promised by debt collector company over the phone that I would get a deletion letter and it would be deleted .However it never happened .they never erased it from my report and when I called back they laughed at me and they were very rude and hung up on me .Now 5 years later Im trying to buy another house and its still hurting my credit and cant get the interest rate that I should .My lender wants it eliminated from my report as it would help me out .Please help

Company response to consumer: Closed with explanation