vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-28 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: Experian Information Solutions Inc.
State: NV

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. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-06-28 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: Experian Information Solutions 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. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: AZ

Complaint narrative:
Village Capital does not respond to my request to remove PMI charges. By the rules of my loan I have paid down the amount to which PMI is no longer needed. 

The monthly charge is XXXX. 

By my calculations PMI should have been removed by XX/XX/2019. 

I have contacted Village Capital and the previous loan holder ( XXXX ) continuously. 

I was told it would be removed automatically last year. It was not. 

After that I included my request with each monthly payment I called VC last month and was told I must send a request online. I did so, still no response. 

I repeated the online request this morning. Waiting for response. 

Please help. Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Coast to Coast Financial Solutions, Inc.
State: VA

Complaint narrative:
Upon randomly checking my credit report I discovered there was an account marked as collections from a company called COAST TO COAST FINANCIAL. I dont know anything about this company and surly never received a letter from them stating that the account will go in collections which would have given me a chance to dispute the account and further investigate the account. There have been two certified letters sent to COAST TO COAST FINANCIAL requesting legal proof that this account belongs to me and both times they have not sent anything. This account is fraudulent and they are breaking federal law. I want the account deleted immediately.

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 2020-06-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I took out a loan w XXXX XXXX XXXX a new car dealer - I paid XXXX XXXX in finance fees - I paid 3 payments - before schedule- I went in hospital with XXXX- XXXX XX/XX/XXXX I thought the loan was auto pay - it was not In XX/XX/XXXX - my car was broken into through front and damage was XXXX - my insurance - XXXX sent me a check made to XXXX XXXX and myself - I called XXXX and explained-I asked to endorse check and send to XXXX and said apply 2 payments - XXXX per mo x 2 from check - apply coverage to acct or send to me - XXXX agreed and I said I'd XXXX to them - I did and it was received next day - I called and they said they did receive- Now there saying they would return check to me - but held the check - saying they need repair bill - per my attorney XXXX XXXX- she sent them demand letter to return check or apply to my acct - XXXX reported to the credit bureau late payments twice causing my score to drop 100 points and my credit cards interest to 22 % Costing XXXX est - They sent me a letter saying they reported correctly- Exeter is defrauding me - lying to me - On a recorded line they said they would apply to my acct - I paid XXXX XXXX Now ruined my credit by fraudulently reported inaccurate to all 3 bureaus There still holding my check from XXXX XXXX says they will see if they can issue new check- supervisor checking Not the 1st time w XXXX issue XXXX replied Cfpb has numerous complaints on XXXX concerning fraud - I want the payments applied to account or check returned I sent in additional payment XX/XX/XXXX I want my credit corrected or I'll sue XXXX For false pretence and verbal fraud of financial instrument -

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 2020-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I took out a cash advance in the amount of {$1500.00} with Capital One on XX/XX/XXXX. I was told at that time i will be charge an Cash Advance interest Fee until the {$1500.00} is paid back. I have paid the amount back in XX/XX/XXXX but, Capital One is still charging me The Cash Advance interest fee. When i contacted them i was told they will continue to charge me the Cash Advance interest charge until the full balance on the card is paid off. Which was not the agreement initially. Now Im being charged interest twice on the card because there is a balance & in addition to a Cash Advance Interest which i should not be charged for because i paid back the {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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. 




INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-06-28 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: 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. 




INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
A provider later identifying itself as XXXX XXXX XXXX XXXX XXXX provided ER doctor services at XXXX XXXX hospital. 
I visited local ER on XX/XX/XXXX & again on XX/XX/XXXX. 
XXXX XXXX Hospital is an 'in-network ' provider for my insurance. 

Soon after, I was notified by my insurance company ( XXXX ) that the provider ( ultimately Wakefield & Associates/XXXX XXXX XXXX XXXX   XXXX ) had billed rates that were significantly above normal & customary. 
Insurance paid the provider {$750.00} against the {$1200.00} that was billed, and disallowed the remainder. I then paid the provider an additional {$75.00} above & beyond what my insurance had already paid. 

I then reached out to the provider, pointed out that the amounts they had billed for were higher than customary, and requested that they adjust. The provider never responded to my request, or to my insurance company, and ultimately sent what they deemed the 'balance ' to collections, having a negative impact on my credit report. 

I have also disputed the amounts with the credit monitoring companies, but of course the dispute makes no difference there, as the 'creditor ' simply insists that the amounts billed are accurate. 

Since I went to an 'in-network ' facility, I have no way of knowing at that time that the ER doctor is not within network. Wakefield & Associates is taking advantage of this situation to submit excessively high bills for their services. 
They are then unwilling to acknowledge that the charges are inappropriate and SHOULD be adjusted. 
There are a large number of similar complaints against Wakefield & Associates already in the CFPB online database, so it is quite obvious that they are doing this repeatedly, and on a large scale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Looking at my Equifax score is inaccurate. My score went up and one account has been paid in full and also that account has been removed from my credit report. Equifax has now dropped my score by 23 points for what? That's not right. I ask that they put the 23 points back on my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
The collection agency is Transworld Systems Inc. and The Ref. No. is XXXX. 
The apartment management at XXXX XXXX XXXX. in XXXX, XXXX was given notice of my intention to move out in 14 days back in XX/XX/2019 with lease ending XX/XX/2019. On and off for over 3 years rats would infest the attic of my studio apartment. Traps would catch some and at times the maintenance would pull out a foul smelling dead rat. The dried fecal matter would get in the air of the living space. The actual opening for the rats entering was never closed. I moved out at end of XX/XX/2019. 
I have provided letters and calls to TSI inc. I have been threatened with lawsuit and damage to my credit. The rent was {$940.00} and added on was late charges and expenses. 
The environment was not safe for living due to disease carrying particles left behind by the rats and continued infestation. Total debt efforts has been about {$2500.00}. 
I wrote a letter formalizing my dispute of the debt and if it should be turned over to others or the bureau, it is under dispute. I have received via mail a print-out for debt and charges I dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
As people lose their jobs, my family and I are in dire need of a dollar .. Paypal Bank has grabbed my money and suspended my account. 

The bank informed me that the funds will remain on hold for 180 days since my last account operation and the last transaction was on XX/XX/XXXX That period expired on XX/XX/XXXX However, my account was suspended I have contacted Paypal Bank several times and they have told me that at the end of 180 days they will inform me of how to withdraw my money, but until that moment I did not receive a response from them. 
So I contacted their support account on XXXX and explained it to him all, so he told me that I can withdraw my money. 
I told him that I can not add a payment card until I can withdraw the money So tell me that I should try to link the visa and then stop to answer me. 
the documents First : My Paypal bank account address is XXXX Second : The last transaction was in my account on XX/XX/XXXX Third / The account has been suspended since that date and for a period of six months ending on XX/XX/XXXX Fourth : I sent support to Paypal on XXXX, they told me that I can add a visa ( attached photo of their response ) Fifth : My account is still pending and I have not been able to add a Visa to the Paypal account in order to withdraw money on it ( Attached copy of the visa rejection )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I used to have a title loan from XXXX it was delinquent first delincuent on XX/XX/2013 and charge off since then I didnt make any payment on this account but, for some reason ( fraud ) from this company it is showing Im making payments on this account which Im not for the past seven years what they tried to do is keep this account another seven years on my credit report it is agains the law to do this. I need this company to removed this account from my credit report this company is a rip off and doing fraudulent charges on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I learned today that I was unexpectedly charged an annual fee for this credit card. I found this out when I received an alert that a capital one credit card I have which was dormant meaning it hadn't been used for six months was just made active. The credit alert said that this could be because my card was just used fraudulently. I therefore called capital one and found out that in fact I was just charged an annual fee which was effective as of today. So I told capital one that I didn't want to pay this fee and that I have other credit cards with much better terms and that I really didn't need the card and could they please waive the fee. I would just cancel the card but I've had it for 10 years and would therefore rather keep it. They said they would change this account to a new format which does not have any fee but that I was still responsible for this year 's fee ( which is charged in advance and was just assessed ) even though my card will be changed over to the new format basically immediately. So I said that it doesn't make sense for me to pay this fee in full and that I need a pro-rated refund. It's like insurance -- if you change your the terms of your policy, they are forced to prorate a refund for whatever portion of the policy has not occurred yet. 
Since this fee is assessed at the beginning of the year they can't charge me for terms for the rest of the year when I only had this card for one day under the old terms. I explained this to them but they don't care. They said I still have to pay the fee no matter what.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-28 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: MA

Complaint narrative:
I filed a dispute with equifax about a vehicle repossession that happened in XX/XX/2013 the date of the first delinquency on the original account with XXXX XXXX is XX/XX/2013 and the balance is {$7700.00}. I asked Equifax to review dates and delete account due to the age of the negative credit the estatute of limitations in Massachusetts is ( 6 years ) and this account is approaching ( 7 years ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
NewRez appears to have made appropriate disclosure with CFPB that issue is still has not been resolved and we as consumer is at fault. 

Attached is NewRez e-mail announcement that the problem was resolved on XX/XX/2020. 

Previous complaint reference no. XXXX - XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Not able to log in to XXXX app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
At the Wells Fargo Bank branch located on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CA XXXX on Saturday XX/XX/20 at about XXXX, I went to get cash ( {$120.00} ) from my checking account ( as I have been doing once a week for about the last 15 or 20 years to get cash to use at the gas stations which no longer accept checks ) and the bank personel refused to honor my request. They said they were discriminating against me and refusing to give me MY MONEY because I don't wear a face mask. When I told them that they don't have a right to refuse me MY MONEY, they ( XXXX XXXX ) called the police ( officers XXXX  badge # XXXX and XXXX XXXX badge # XXXX of the XXXX County Sheriff 's Dept. ) to escort me off the premises. Because the bank refused me MY MONEY and used armed force ( the police ) to force me to leave without MY MONEY, the bank has basically committed armed robbery against me. In their act of discrimination against me. The resolution I am seeking is stop them from continuing to try to force people to wear masks which is a violation of everyone 's basic human rights, as a virus can not be transferred thru the air or by touching anything ( a virus is only a protein fragment produced by your own body and is never alive and can not reproduce and is not contagious. You can only get a virus from an animal or from someone elses body by having it injected into your bloodstream ). I also want you to start a class action lawsuit against the bank on behalf of all citizens to seek damages against the bank for their violation of everyone 's basic human rights.

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 2020-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied for the Hilton Surpass Card on XX/XX/XXXX, I applied with the welcome offer of XXXX points under the condition that I meet the spending requirement of {$5000.00} within the first 3 months after account opening. I had met the requirement in time. But I when I called in on XX/XX/XXXX to request the points after I fulfilled my requirements, I was told that I was not qualified for the welcome offer points. I talked to XXXX and XXXX and they told me my request would be transferred to a different department for further investigation. ( on XX/XX/XXXX, I called in to resolve some issue, but the representative cancelled my XXXX credit card without my authorization. I called back to reopen my account and got a new card with different card number. I think it might be the reason why the system couldnt process my welcome offer points because it might read the reopening action as duplicate accounts, which disqualify automatically. ) On XX/XX/XXXX, I spoke to XXXX, she informed me based on the result of the investigation, the points will not be granted. The reason was based on my past credit card experience. But according to Amex 's disclore towards the offer, " Welcome offer not available to applicants who have or have had the Hilton Honors Surpass Card or the Hilton Honors Ascend Card. American Express may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. '' I ony had 1 AMEX blue card other than this Hilton card wand it was opened 13 years ago back in XXXX. It approved my application without any warning or notification saying that I was not qualified for the welcome offer. And it misled me to believe that I would receive my welcome offer by mailing me the card and documents without any written notice regarding the disqualification decision. When I called in XXXX and XXXX asking different questions regarding the welcome offer associated with my card, nobody had ever informed me that I was not eligible to receive it. I tried my best to spend {$5000.00} within 3 months to meet the requirement to get the points to only find out they would not honor their offer as advertised.

Company response to consumer: Closed with monetary relief