vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My XXXX XXXX numbers are XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX The accounts are listed as follows : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX REC XXXX XXXX XXXX Original Creditor : XXXX XXXXT ) XXXX Hard Inquires XXXX - XX/XX/2020 XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/2020 Experian XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2020 Experian XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 Experian XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXXs XX/XX/2020 Experian XXXX  XXXX Miscellaneous XX/XX/2020 XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

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 2020-06-03 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I cancelled a subscription with a merchant, but the merchant continued to charge my credit card and not deliver any goods. After XXXX  the merchant ( XXXX XXXX XXXX ) it seems they shut down the business but continued to charge old customers ' cards without notification. 

I opened a dispute on XX/XX/XXXX to dispute 15 charges against my account totaling {$320.00}. I put a hold on my account to prevent future rebills. 

American Express recently said over chat ( log attached ) that they will only investigate the last 60 days. In my first conversation they said they were investigating all of them. On their website it says at least 120 so I don't know what is correct. 

I received 2 refunds of {$21.00} each for XX/XX/XXXX and XX/XX/XXXX totaling {$42.00}. I received a card declined notification for the charge in XX/XX/XXXX so the merchant was still fraudulently billing. 

This dispute is for a recurring transaction and not just 1 transaction so they don't require investigating each one. All of them should be reversed. I have provided evidence to their customer support already and the response was that they will not investigate it. 

The business doesn't even exist so I don't know how AMEX allowed them to keep charging my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Rocket Mortgage, LLC
State: MS

Complaint narrative:
After applying for refinancing of a mortgage, Quicken Mortgage provided information showing 40 collections, 20 legal collections, 2 recent delinquent reports and 13 delinquent accounts that seriously affect my credit record. I have no idea who is submitting this information to the credit agencies because it is the first time I have seen such. I am requesting information on who is providing this information for the credit agencies so I can have my attorney take necessary actions to repair my credit reports. 

You asked me to provide names of companies involved, but I don't know who they are. If there is something I can do to obtain this information, please let me know and I will take whatever action is necessary to obtained. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I asked for verification of the debt from the bank because I had identity theft and I don't recognize it. I asked them to stop calling and only communicate via mail, .and to stop contacting family members. They have continued to call family members and imply that they are suing and that the family member is legally obligated to assist them. Multiple family members have called me scared because of their language.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: CA

Complaint narrative:
I noticed several hard inquiries on my credit report. I reached out to XXXX the company who pulled the hard inquiry, after several week going back and forth XXXX XXXX XXXX informed me on XX/XX/2020 they would notify Experian to update the inquiry from a hard inquiry to a soft inquiry. As of today XX/XX/2020, nothing has been.

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 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
This is urgent. 

We are unable to pay our mortgage for our home at XXXX XXXX, XXXX XXXX. We received a foreclosure notice from Rushmore Loan Management Services in XXXX CA. Rushmore bought our mortgage loan from XXXX XXXX  recently and we found out 2 weeks ago. 

We heard from news sources ( XXXX XXXX XXXX that the forbearance is given to 3 months and allowed to be extended for 12 months. Rushmore is refusing the forbearence for our mortgage. 

Can you please help with stopping our foreclosure. We were late with mortgage payment before the covid period due to the income loss. Due to the covid our household has XXXX income. My son and daughter ( students ) both lost their part-time jobs. I have been looking for project/jobs and covid19 put everything on hold. My wife runs an air bnb ( XXXX of the XXXX units ), which is stopped now. We applied for XXXX loan and we were declined. I applied for unemployment in XXXX and I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/XXXX I made a purchase in the amount of {$1300.00} at Sams club. I noticed 10days later that the transaction was not reflecting on my account. I called and spoke to a Lady and she assured me that I would not be responsible for this charge. Today I took a look at my account and realized that I still got the transaction in my credit 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 2020-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
TransUnion 's online credit freeze portal has been down for close to A YEAR with zero changes made. Their phone tree keeps trying to get you to hang up and try to place a credit freeze on their website where SURPRISE : it doesn't work and you need to call them back again. The portal has been down since AT LEAST XX/XX/2019. 

They are dishonestly making it very difficult to add a security freeze.

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 2020-06-03 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:
I AM VICTIM OF AN IDENTITY THEFT, WHICH MEANS THE ACCOUNTS I AM DISPUTING ARE FRAUDULENT AND NOT MINE. MY PLEA IS THAT THE PERSON READING THIS WILL UNDERSTAND THAT I AM CONSUMER AND I AM VICTIM, I BEG YOU TO PUT YOURSELF IN MY SHOES, SOMEONE STOLE MY INFORMATION, I UNDERSTAND THAT XXXX AND XXXX ( XXXX ) ARE BIG COMPANIES AND I UNDERSTAND THAT I AM A XXXX BEING A WOMAN, BUT I AM BEGGING YOU TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. MAYBE MY INFORMATION WAS STOLEN FROM THE EQUIFAX, I DON'T KNOW HOW THE THIEF GOT A HOLD OF MY PERSONAL INFORMATION BUT PLEASE PLEASE REMOVE THESE ACCOUNTS FROM MY EQUIFAX CREDIT REPORT. 

I HAVE NOT RECEIVED AND BENEFIT OR GOODS FROM ANY OF THESE COMPANIES. 

THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: WV

Complaint narrative:
I was given a name and phone number to call XXXX XXXX at PHH and neither the number or extention gets me to hm. I want to work with PHH but they are not attempting at all to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: PA

Complaint narrative:
XX/XX/XXXX, I have requested all three credit reporting agency reports via online sites as per PA AG explanation " Attorney General XXXX is alerting consumers that XXXX Equifax, and XXXX are providing free credit reports on a weekly basis to users until XX/XX/XXXX '' XXXX  download right away. Other two had the following errors : Equifax " Online Delivery Not Unavailableand XXXX  " Unable to complete your request! After several tries same problem with last two. 
Received XXXX  in mail and it has different information than XXXX  and still not received Equifax ( requested same day above ). 
Questions 1 How do these errors get on these reports in the first place? 
2. How do different errors get on different agency reports if same identity? 
3. What agency has oversight on these 3 and their mishandling of identity? 
4. Since I am presently handling identity theft issues, how do I get ALL my information out of all three since they have proven to be irresponsible and not accountable? 
5. Who's identity is on each agency 's report, Not correct information to be me. So please provide name of person, who gave you that wrong info, date of info.. etc so I can contact that business and find out cause or if another theft of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I have been receiving debt collector calls from SYNERPRISE CONSULTING SVS for months now and for a while it was routine to get a phone call every morning around XXXX XXXX. But now I receive calls at random times and I do not answer them so I always receive a 6 second voicemail where nothing is said. Often times when I answer, it is that same silence and then the phone hangs up. They often called every day of the week with sometimes missing a couple or few days in between calls.They also change what number the call from every couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America has debited my checking account XXXX putting it in the negitave of course. All I get is something about fraud being investigated, just two weeks prior I reported a double charge from XXXX XXXX. I'm frozen out from my account and freaked ... every penny I have is there. Thanks for any help 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 monetary relief
Consumer complaint received 2020-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Received an electronic statement from my Federal Parent Plus loan servicer NAVIENT. The statement details that accrued, unpaid interest can ( after a grace period ) be tacked onto the principal. Nowhere in the statement is there language about forbearance on Federal Loans of accrued interest due to the CARES ActCOVID-19 Relief. I asked the rep from NAVIENT on the phone and he said in fact the accrued interest will not be added to the principal ( missing from the statement ) and that it will just be an unpaid balance added to the principal & not subject to interest charges. He said the interest listed was accrued prior to XX/XX/20. 
My complaint is the average consumer receiving this statement ( absent contacting NAVIENT XXXX would have no idea that the accrued interest listed will NOT be added to the unpaid principal and subject to additional interest charges. This is based on the reps statement and nothing in writing to date. I filed a formal complaint with NAVIENT. 
This lack of specific language seems very vague & deceptive. In addition, there is no language in this statement regarding the affect of COVID-19 relief on consumers loan balances with the servicer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was paying my XXXX XXXX XXXX card every month online. As the card was suspended, I destroyed the card. I continued to make payments online. In XXXX they locked my online account access. Since I am unable to call during weekday office hours I could not contact anyone. I didn't make any payments. Then in XXXX when I was on vacation, I spent over 2 hrs on hold on 3 different occasions trying make a payment. The process on the phone is tedious and hold times terribly long.I just want them to unlock my online access so that I can make payments online. Now that I've caught up with other bills I am able to pay it on time. I just can't be on the phone during the week to do it.

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 2020-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Last summer I started receiving letters from Cavalry Portfolio Services about a collection owed. I sent a letter to establish whether this was even actually anything belonging to me. They in turn responded with a letter stating it was and they would resume collection efforts. Not knowing my rights as a consumer and wanting to get them off my back and stop the harassing calls and letters I requested that they provide the original paperwork with my signature. Disappointingly nothing ever came except for some ineligible pages of some statements. After educating myself I realized I should have done more research. I've sent more dispute requests after the fact, to the credit bureaus, and debt validation letters and I'm getting no response or they are stating the debt is valid. No one has actually provided any evidence that this was in fact my debt. This negative reporting is hurting my credit report tremendously and prohibiting me from being able to purchase my first home. Secondly, I can not find them as a licensed collection company in the state of Illinois, perhaps I'm missing something. I was reading somewhere that collection agencies have to be registered in Illinois to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
My husband and I sold our house on XX/XX/XXXX. Our attorney cut a check to Quicken LoansXXXX Mortgage for the payoff balance that we were quoted. Then the perfect storm hit. The mortgage company took money out of Escrow on XX/XX/XXXX to pay the homeowners insurance company, XXXX, which left a balance on the account that we didnt find out about until yesterday from our attorney. After calling and speaking with Quicken Loans and them advising us they have already sent the payment to XXXX and cant recall/void the check because it was for other customers as well. I called XXXX yesterday and they advised they do not have the payment yet. I called Quicken Loans again today to be told we have to pay the {$1000.00} or we are going to default on the loan, even though they are going to get more than that back from XXXX as they are going to reject the payment because the policy is cancelled. We are being charged {$30.00} dollars a day in interest since last Friday and they arent willing to do anything to help us. Can you help me? I dont feel that I should have to pay {$1000.00} up front plus the interest from Friday-today out of my pocket when they are going to get more than that back from XXXX. I dont know what else to do other than come up with the money and wait for a refund, but that doesnt seem to be fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: GA

Complaint narrative:
I recently submitted an affidavit and disputes, I got a response ACCUSING me of using a credit repair company. I have NEVER used a credit repair company and I dont appreciate this accusation. I demand these fraudulent accounts be investigated and removed from my credit report. I demand a response within 10 days. I also demand these accounts be removed from my credit report in 30 days. If i dont have a response in a timely manner, I will be filing a complaint with the office of the Attorney General.

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 2020-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I would like to connect my account to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had my identity stolen. I have reported it to The Federal Trade Commission and made a report. I have notified the 3 credit reporting bureaus ( XXXX XXXX XXXX XXXX ) and they send it back as valid. I have notified them that this was a case of identity theft and to report this information from my credit reports and I have also notified Kohl 's / XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: GA

Complaint narrative:
I submitted a dispute and affidavits, I got a response accusing me of using a credit repair company. I am very offended because, I feel as if I am being accused of being incapable of disputing information on my credit report on my own. I've educated myself and I see how you guys are in violation with credit reporting and I dont appreciate the hardship these inaccurate reportings have caused me. I demand these FRAUDULENT accounts be removed within 30 days. I also demand a response from the bureaus in 10 days. If I dont get a response in a timely manner, I will be filing a complaint with the office of the Attorney General. This is Very insulting and it seems to be a stall tactic to delay this FRAUDULENT info from being removed from my credit. I understand the benefits of bureaus reporting inaccurate info because that means more revenue for the bureaus. You guys have abused me long enough. I DEMAND THESE ITEMS BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: FC HoldCo LLC
State: IL

Complaint narrative:
Recived verification that's show 's balance incorrect original and current balance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: AZ

Complaint narrative:
I froze my credit at Equifax. I now can not unfreeze the credit. The company 's website, IVR phone system and contact centers are not working ( the recording says due to Covid ) or allowing the unfreeze. There is no one available to speak to. I am urgently trying to complete an application and co-sign for a place for my aged father to live. We can not complete an application if the credit is frozen. We are extremely frustrated and angry that our father 's housing and safety is at risk because Equifax can not support the essential function they have been given the responsibility to manage. We have tried to resolve this for days with only dead ends. We have tried calling, e-mailing, faxing, web site communication, and they are all inoperable and or not effective.

Company response to consumer: Closed with explanation