vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: OR

Complaint narrative:
I bought a car and signed a loan with VW Credit at the end of XX/XX/XXXX. The term of the loan was 60 months. I planned on paying off a large chunk of it right away to reduce principal, and make larger than normal payments to get the entire thing paid off in a couple of years. I had the finance person at the dealership verify that this was acceptable to the terms of the loan and he told me all I had to do was go online and submit a large payment through their portal ( https : //www.vwcredit.com/Authentication/Login ). 

I did this, and thought that was all I needed to do. After making several more large {$1000.00} payments in the next few months, around XX/XX/XXXX I realized something was off with my bills. Every month it said {$0.00} owed and the next payment wasn't due until XX/XX/XXXX! What's going on? After some investigation, it looked like XXXX was taking my money and putting it in some hidden account I don't have access to, and paying my regular monthly payment into it ... So I have thousands of my own dollars that can't be applied to principal and can't be withdrawn or used. I called XXXX support in XX/XX/XXXX, again in XX/XX/XXXX, and again in XX/XX/XXXX. All 3 times they said they would fix it for me. On one occasion they told me they would call me back the next day just to make sure I was okay with the result. I never received a call.

I just received my most recent bill and nothing has been changed. At this point I'm going to have thousands of dollars of extra interest.

None of the payments I have made have gone to principal. They have all gone to some phantom account I don't have access to. Despite the terms of the loan agreement *and* the finance manager at the dealership telling me otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I lived in my home for nearly ten years with never missing a single payment. My initial Mortgage was with XXXX. I did not escrow my taxes and I paid them directly. On the last day taxes were due I drove my family to our local courthouse and paid the entire tax amount in CASH as a lesson to my XXXX  kids that we never own our hours. Six weeks after I paid the 3 different tax authorities XXXX XXXX  paid the same 3 taxes. 

XXXX then put me in a Escrow account, - {$8000.00} for the taxes they paid and then an additional - {$100000.00} for the next years taxes. They attempted to auto withdraw XXXX from my bank as I was set up on autopayments. My bank reversed teh XXXX withdrawn as the funds were not available. 

XXXX said they would get the refund from the tax authorities and then back out my fees and added interest. 

I continued to make my normal Mortgage and interest payments and XXXX applied this to my neg escrow and not my loan. Incurred late fees every month and did not pay down the principle due to XXXX not applying the payment to my loan. 

I was assured all along once the tax issue was fixed they would back out all of the fees, extra interest and get me out of the escrow account. 

While this was happening my loan was transferred to Seterus and I started the process all over again. Once again they assured me that once the issue was resolved all of the fees and extra interest would be backed out of my loan. 

I sent them all of my documentation of my payment and the payment from XXXX to the same 3 tax authorities. 

They claimed they were researching my issue but they raised my monthly mortgage payment from {$1500.00} to {$2500.00} per month. When I got behind they threatened me with foreclosure and being evicted from my house of 12 years. They forced me to refinance my mortgage, they doubled my loan term to 40 years, raised my interest rate and I had an extra $ XXXX of principle added to my mortgage. They said I had NO choice and once the tax situation was corrected they would convert back. 

Then my loan once again changed hands to Mr.Cooper. 

I have over 80 hours on the phone with Mr.Cooper, they are telling me the same story as the previous two companies. Every 2 hour phone call ends with, " We will research the issue and get back My loan is backed my XXXX XXXX and I called them today as well. 

Right now my complaint is with Mr.Cooper and their one year of not once researching my issue or returning my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: CA

Complaint narrative:
Equifax is in violation of my HIPPA rights. 

" The collection company '' is also in violation of my HIPPA rights. 

There is also no information for me to dispute. 

No company name, no address, no phone number. 

I'm not sure how Equifax is reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I entered into a short sale process on my home with XXXX  XXXX XXXX in XX/XX/XXXX. I took the time to submit all required financial statements, all documents requested, appraisal was done on the property, and in XX/XX/XXXX before providing a decision on the short sale XXXX  XXXX XXXX transferred my loan to SLS. All of the documents were transferred over to SLS for them to begin their review. After providing any additional information, it took months for SLS to finally approve me for a short sale which they did. Now they have to approve the contract that is in for the property which we were told could take up to 30 days. More than 30 days passed and SLS still would not issue a decision and requested another appraisal be done. A BPO agent went to the property on XX/XX/XXXX to do the appraisal requested. I have still not heard anything regarding a decision from SLS and Fear that I am going to lose the buyer due to their continued lack of attention to this case. I feel that SLS is intentionally delaying the short sale and is acting in bad faith. They have had everything they need to issue a decision for quite some time now. I have now been waiting for 7 months for a decision - 5 of those have been with my file is the hands of SLS and in the meantime my credit continues to suffer and my property continues to decline as it is no longer being maintained.

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 2020-02-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've recently checked my credit report from XXXX, XXXX, and XXXX  and I was shocked to see a previously deleted fraudulent account was reinserted back to my credit file. The Bank of America fraudulent account ( Acc no : XXXX ) was disputed and deleted in XX/XX/XXXX. However, XXXX, XXXX, and XXXX  reinserted the fraudulent account after seven months without notifying 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 2020-02-06 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: CA

Complaint narrative:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts.

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 2020-02-06 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: CA

Complaint narrative:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC SYSTEMS INC is attempting to collect a debt that is unverifiable and I do not owe. I expect a cease and desist and item to be deleted from all major credit reporting agencies, this inaccurate and false reporting is hurting my financial goals. I have never done business with this company and have no agreements with this company. IC SYSTEMS INC is  reporting invalidated information on my credit reports, this action might constitute fraud under both federal and state laws.

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 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Have history of loans from financial institutes that show all are in good standing ( paid off with no issues ) but will not show or release credit score. I have contacted trans-union regarding this issue. They say they do have a credit score on my credit report, Won't tell me what it is, unless i pay for it and won't send me a credit report unless I pay for it. Even though I have been denied credit as a result of there report. When I asked why it shows a credit score on there end but not at the bank, which has turned me down for a loan as a result of that error, she said the bank was doing it wrong. I asked? so you are telling me three different loan officers at 2 different financial institutions are doing it wrong. She again went back to me paying for this information. Then told me credit report sent to me does not and will not include credit score. She then told me to go online and I could see credit report for myself. I responded I just saw my credit report at the last financial Institution and it does not have a credit score on it, but does list at least 4 loans that have been paid off in good standing. There IS NO DEROGATORY info on credit report. 
TRANS UNION REFUSES TO CORRECT THERE ERROR

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 2020-02-06 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I had my cell phone and wallet stolen while attending a medical conference in XXXX XXXX, LA XX/XX/XXXX. When I arrived home on XX/XX/XXXX and ultimately had access to the internet, XXXX XXXX informed me via email that a new hard inquiry appeared on my credit report. I discovered that a Goldman Sachs Apple Card had been opened in my name and that {$4700.00} had been charged. I immediately contacted Goldman Sachs and Apple to inform them of this fraudulent activity. I was advised to change my log-in information and informed that I would not be responsible for fraudulent charges and that the account would be closed. They requested that I document this information on IdentityTheft.gov and submit this information to XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. I completed this information and submitted it to them the subsequent day. I filed a police report with XXXX XXXX Item : XXXX. I froze my credit and created fraud alerts with all three credit bureaus. Over the last several months, I have contacted Goldman Sachs countless times without any hint of a resolution. I filed a dispute with XXXX  on XX/XX/2020.  Unfortunately, the result was that the disputed information was somehow verified as accurate. I then received an email from Apple Card on XX/XX/2020 that said my Apple Card account was 48 days past due and that my past due balance was XXXX. This was the first time I had received anything in writing from Apple or Goldman Sachs. I spoke to Goldman Sachs at least five additional times including supervisors all of whom say they have 'escalated the situation ', that I should not be receiving these bills but that I should just continue to call back in a few days. I again filed a dispute with XXXX  XX/XX/2020. I reviewed my credit report today after I was notified of a drop in my score to find that my payment history now includes my first ever missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In an effort to purchase a home, I had to unfreeze my credit through all three credit report bureaus, of which Experian was one. I was eventually able to gain access to my account through Experian, and managed to release the credit freeze on the system which I had committed around the period of the last large data breach ( XXXX ). 

I do not recall purchasing or seeing my consent placed on purchasing a {$21.00} a month Credit Report Subscription which I did not need nor did I want. There may have been wording that described a free trial, but all I needed to do was gain access to my account and release the credit freeze. 

My surprise came when my credit card was billed twice for their service for which I do not recall seeing a charge or fee described for. It is insulting that an agency I have to deal with can tack on a surcharge and bury it so as to trick consumers into paying for an altogether unnecessary service. 

For others contending or about to contend with their credit report : Assume all the credit bureaus are going to charge you for a " product '' and make it very difficult to determine if you are being charged for it or not.

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 2020-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I am getting repeated phone calls from CBE Group which I discovered is a collection agency with many complaints against them for harassing people and trying to collect fake debts. 

The latest phone call just happened on XX/XX/2020 at XXXX XXXX  from XXXX which is obviously a " spoofed '' number, they are not located in XXXX Ohio. 

They won't leave a message, or a phone number, or a contact person. Sometimes it's just heavy breathing on the message. 

There haven't been any communications in writing so that I would know why they are calling me. 

I don't owe any bad debts and there are no collection accounts. I checked the three credit bureaus and there aren't any collections. 

I want these people to stop harassing me. If they had a valid reason to contact me they would have put it in writing instead of scaring me with heavy breathing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern, This letter shall sever as a formal and last notice of my intention to file suit against Transunion in small claims court due to your blatant disregard of the law, by reporting false information to my credit file. I am disputing the account listed below, I previously disputed the account information as being inaccurate. I asked you to provide me with a full debt validation, which I should have received in 30 days. It has been well over 90 days, and I understand that you are unable to verify this debt because it does not belong to me. XXXX  suffered a major security breach ; this breach leaked the personal data of over 143 million Americans. Due to this breach, my information was affected, my name, birth date, address, phone number, social and driver 's license number was compromised and used to open several accounts without my permission. 

Due to your company not responding to me with in the legal timeframe, for my safety I have moved forward with filing a report with the FTC and the CFPB. I have also filed a civil suit against your company, my lawyer has advised, if this information is not removed from my credit file within 8 business days I will move forward with the last step to secure documentation and complete legal filing against your company for directly violating the Fair Credit Reporting Act by continuing to report this false and inaccurate information to my credit file. At that time, I will seek for punitive damages, cost for attorneys fees, court cost, as well as compensation for ongoing emotional distress, anxiety, and harassment due to this security breach. XXXX  was negligent in allowing my personal information to be compromised, however your company will be held just as responsible for continuing to report this false information to my credit file. I have filed a claim against XXXX, I am waiting on the results of this claim. You may search the following in a browser. 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 2020-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Opened an account for debit card. For minor daughter at Bank of America. Account was set up to decline all in event of not enough funds in account. The bank charged {$70.00} in fees. The bank credited {$35.00} after calling the call center. The bank would not credit the remainder. The call center changed the account with my wife. The new account is {$4.00} a month for a service fee and no {$35.00} service fees for insufficient funds. This is not the account that was opened in XX/XX/2019. The call center said that the {$4.00} monthly fee could be waived by going to local branch in XXXX New Jersey. The original account was for debit card use only. No checks are used for this account. Bank of America charged service fees for an account set up as DECLINE ALL. Bank of America charged fees and did not comply with the overdraft protections by law. My wife was not on the original account. Bank of America changed the account over the telephone and sent new account information through the mail. I find this is unacceptable to change the terms of an account and keep {$35.00}.

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 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION CONSUMER INTE REQUESTED ON XX/XX/2020, XX/XX/2020 XXXX  XXXX  XXXX  VIA XXXX  XXXX  REQUESTED XX/XX/2020 XXXX XXXX XXXX VIA XXXX XXXX XXXX REQUESTED XX/XX/2020 I HAVE NEVER DONE BUSINESS WITH THE COMPANIES LISTED ABOVE, DIRECTLY NOR INDIRECTLY .I LIVE IN FLORIDA WHICH I IS REFLECTED ON MY 2 CREDIT REPORTS ( WHICH XXXX  WOULD NOT LET ME REQUEST ) ACCOUNT HOWEVER I AM NOT AWARE I HAVE MADE A COMPLAINT AND I WILL BE CALLING DIRECTLY IT WAS PREVENTING ME FROM GETTING PROPER HOUSING. 
MY NAME IS XXXX XXXX PLEASE REMOVE ALL THE MIS SPELLING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX unknown

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 2020-02-06 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: MN

Complaint narrative:
These items on my credit report I had nothing to do with.

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 2020-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I was sent a letter from an attorney stating it was an attempt to collect an over due bill in the amount of {$2600.00} for some home design project. The claim is that I open this account in 2005. the problem I have never had a home design account with anyone. They also said this account was purchased by another lender. After speaking to the bank I called XXXX  and spoke with them and XXXX  which in turn started an investigation. the investigation took 60 da.  At the completion the claim was it has been verified that this account belongs to me. This does not belong to me and I had absolutely no knowledge of this until notification. Then I started my on digging and found my social security number and name XXXX XXXX and XXXX XXXX listed on my credit report I have never these also the birthday as XXXX which is not correct. The account is with synchrony bank some where in XXXX and also claims I have an apartment in XXXX, Texas. Thank You

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