vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
On XX/XX/XXXX, I received a letter in the mail ( from XXXX ) that indicated someone was trying to open an account with my personal information ( it was addressed to my first name and address, but the last name was wrong ). I received one of these letters in XXXX of XXXX and reached out to Equifax, XXXX, and XXXX to freeze my credit. 

This morning, I contacted XXXX and they put notes in the system to deny the application and then I reached out to XXXX, XXXX, and Equifax to ensure that my credit was still frozen as I have not requested the freeze to be lifted and it should be frozen until XXXX of XXXX. I had no issues with XXXX or XXXX  as I was able to confirm my freeze was in good standing. With Equifax, however, after sharing my personal identification information, I was told that I would have to physically mail them my original social security card with a request for information regarding my credit. This is the same company that had a major data breech in XXXX and compromised not only my personal information, but that of millions of people. If I am coming to Equifax to protect myself because someone is trying to use my personal information, if I can identify myself through their 15 minutes of questions and a private PIN number, and am asking them to confirm that my credit is still frozen - not asking to remove it, then they should be able to comply with my request to protect myself. THEY have proven themselves NOT trustworthy and are REQUIRING people send them ORIGINAL GOVERNMENT-ISSUED documents before they will complete a request to protect the public. They are not reliable, they are not trustworthy, don't have the public 's best interest. They, and their practices, need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Rewards Plus card claimed to to give back 2 thank you rewards per {$1.00} spent for gas stations and regular grocery store purchases .... when using the cars at XXXX which is nationally recognized petroleum company who operates thousands of gas stations over the US i noticed i was getting back 1 point per {$1.00} spent. did a chat session with customer service on XX/XX/2019 and advised the CS rep of the issue but didn't really took the effort to research and tried to blame Master Card for miss categorizing XXXX  as gas station and showing as an auto service instead! i have advised the rep that this is a clear violation of CFPB and should escalate immediately to his compliance officer to correct the problem he ignored me and back to blame Master Card, told the rep to XXXX XXXX but didn't seem interested in taking any action. This is a clear violation and i am being cheated of my thank you points which they advertise heavily. I have many other cards the give me the additional rewards when using gas stations ( XXXX included ) but i feel that this is a way to trick consumer to use this card so Citi can benefit without giving back what they advertised.

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 2019-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a payment to Bank of America on XX/XX/XXXX of {$250.00}. My account was closed on XX/XX/2019 and the balance at that time was {$17000.00}. 

When I closed the account due to unfair and deceptive practices, the agreed upon APR of 0 % was applied to a balance of {$8800.00} and {$8200.00}. I closed the account in XXXX. The agreed upon APR on the balances was 0 % and the agreed upon minimum payment was {$200.00}. 

Bank of America, changed the agreed upon 0 % APR on XX/XX/XXXX, on both balances to 24.99 % and changed the minimum payment changed to {$550.00}. 

The agreed upon APR when the account was closed back in XXXX was 0 % on all balances with a minimum payment of {$200.00} and I didn't agree to any changes. I made a payment of {$250.00} and Bank of America is reporting to the Bureaus false information about my payment history. 

The current account balance is {$17000.00}.

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 explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My account shows 90 day late in making payments. I have called the organization several times to set my self up on auto draft. Since i simply do not have the time to call in to make the payments. i was sent an auto draft enrollment paper which was signed and sent back to the creditor. I was under the impression that i was already set up for auto draft, but now my account is showing 90-120 days late. I am disputing this late occurrences.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My monthly statements confirm that my mortgage servicing company has made the home that I purchased in XXXX un-affordable by increasing my interest rate from 2.375 % to 5.375 %, and my monthly payment from {$900.00} to {$2900.00} during one 12- month period as follows ; XX/XX/XXXX - 2.375 % interest, with {$900.00} monthly payments -- - XX/XX/XXXX 3.375 % interest, with {$2900.00} monthly payments -- - XXXX 4.375 % interest with {$2700.00} monthly payments -- - XX/XX/XXXX - 5.375 % interests with monthly payments of {$2900.00}. 

Twelve months ago, I followed my servicer instructions, with assurance that they would not foreclose, if I submitted an application along with financial information, and continued to make my {$900.00} payments, because I was entitled to get a modification of my loan by either a reduction of principle, reduction of interest, or an extension of the pay-off period to lower my monthly payment I.e. a new 20 year mortgage. 

To date however, despite my compliance with their instructions, my servicer has stalled my request for modification of my loan, by continuing to ask for more and more and more new information and resubmission of information already submitted, during which time they turned my loan over to there attorney to start foreclosure, because I continued to pay the {$900.00} amount ( as instructed ), instead of the increased interest rates and monthly payments. 

Upon notice of foreclosure, I was able to come up with and pay the difference between my previous {$900.00} and now {$2700.00} monthly payments to bring my mortgage loan current, with no assurance that they would provide the modification assistance that I need to make my loan affordable ... so that age XXXX I can live near my children that can provide the help that I now need going forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I applied for a refinancing mortgage with Navy Federal and received a loan estimate dated XX/XX/2019 with the rate locked through XX/XX/2019. I was charged {$620.00} for Navy Federal to conduct an appraisal of my home. After submitting additional paperwork it was submitted for final review. I received a call from the loan officer on XX/XX/2019 stating it was declined because they could not confirm my employment. My company 's HR department did not recall anyone from Navy Federal contacting them, and I emailed the Navy Federal loan officer cc'ing senior leaders in our HR department. The HR senior leaders confirmed my employment by email and requested that the loan officer call the company 's main line and ask for HR so they could confirm. The loan officer refused to confirm employment and flatly stated the application was denied. They refused to take any other corrective action on this matter, and now I have a loss of {$620.00} as well as the present value of higher interest payments since market interest rates have moved up in the meantime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has consistently reported a much lower credit score ( XXXX ) as compared to XXXX ( XXXX ) and XXXX ( XXXX ). I ordered all my credit reports which showed nothing but excellent with all my creditors ( no negative remarks at all ), in fifty years! 

I have now tried four times ( Experian complaint # XXXX ) to get them to explain why they report a much lower score, but they have refused. The do respond, but with a canned letter, that does not address my questions. The Federal Trade Commission referred me to you, the CFPB, stating that you have authority over them. 

I have worked hard all my life fulfilling all my credit obligations with excellence. It is not right for Experian to report scores not consistent with an excellent record, especially when the other two credit bureaus are reporting excellent scores, and, using the same reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
loan # XXXX this mortgage company is not applying my payments since XX/XX/2019 the moment they receive my payments. PHH mortgage is saying agent XXXX ID # XXXX they have my payments on hold and they haven't applied my payments. I tell them why they haven't applied and they transfer me with someone else and hangup on me. I'm submitting document proof of my payments from my bank that PHH have received my payments and dates from my bank account chase

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On my last XXXX and TransUnion credit reports dated XX/XX/2019 there is incorrect personal info., and im wondering if my personal info was ever used by another person ( s )!! Under addresses there are 3 that dont belong to me : 1. XXXX XXXX XXXX. XXXX XXXX in XXXX. 2. XXXX XXXX Urb. XXXX XXXX - XXXX XXXX in XXXX. 3. XXXX XXXX - XXXX. 

And under former employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. I dont recognize this employer. I have always worked in school system here and previously in XXXX XXXX  XXXX. 

Thanks. 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 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My medical provider XXXX XXXX XXXX in XXXX billed the wrong insurance company. Upon my visit I provided the correct card " before '' entering, they made the usual copy and thought all was good. Around 12 to 18 months later we get a bill and it stated the insured wasn't covered which was true because I know longer worked for the same company. I called XXXX, reminding them that they used the wrong group ID and member number and once again I gave them the same card information as stated above with the " correct '' insurance and member ID. They continued to send bills with the incorrect insurance company, this went on for months and we tried to resolve this. I offered to pay what the negotiated amount would have been ( once insurance adjusted their fees ) which would have been 10 % or so from our plan. They turned this over to a collection company XXXX XXXX XXXX. After the second call with them, they accepted my explanation and said I would not hear from them anymore however the damage has been done because they but a derogatory mark on my credit rating which stood at XXXX for over a decade done to the 630 area. I tried to resolve this with TransUnion and XXXX   with no resolution and for the first time I have to turn to CFPB for some help in getting this resolved.

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 2019-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have 5 hard inquiries on my credit score ( XXXX ) which are the the following : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) Capital One Bank USA, ( XX/XX/XXXX ) All they are is XXXX XXXX XXXX getting background information about getting service at my apartment and XXXX is for applying to a credit card which I use everyday! So, why hasn't all this been removed yet? 

These things haven't been removed and it's been over 5 years on most of these inquiries and I know for a fact that these usually have a limit of up 2 years. 

Please remove them!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have 5 hard inquiries on my credit score ( XXXX ) which are the the following : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Chase Bank USA, N.A ( XX/XX/XXXX ) Chase Bank USA, N.A ( XX/XX/XXXX ) XXXX XXXX XXXX   XXXX, ( XX/XX/XXXX ) All they are is XXXX XXXX XXXX getting background information about getting service at my apartment and chase is for applying to a credit card which I use everyday! So, why hasn't all this been removed yet? 

These things haven't been removed and it's been over 5 years on most of these inquiries and I know for a fact that these usually have a limit of up 2 years. 

Please remove them!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
XX/XX/2019 this is one of multiple calls received they claim they are from Bank of America offering to lower my interest rate to 0 % - This phone number belongs to some one in XXXX Alaska. they called from XXXX. I gave no information and hung up.

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 2019-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
This company is ruining my life. They have me in this loan with an inflated rate. The car was also totaled out and im willing to pay my balance off because i understand i am still responsible. i was told by one of their employees that i could settle for XXXX i signed documents and called the next day to confirm and they said the agreement was void.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: GA

Complaint narrative:
I disputed this fraudulent information with the credit bureaus and both XXXX and XXXX removed the accounts in question but Equifax did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
This is my second complaint to regarding this collection account. I do not owe XXXX/XXXX {$890.00}. I called ERC with the orginal creditor XXXX/XXXX   XXXX last week. The representative also stated that I do not owe that amount. The rep my wife spoke with at ERC refused to remove account from my credit report even though he was told the information ERC was furnishing was incorrect. At this point you all are intentionally not only trying to collect a debt that I do not owe, but you are also knowingly reporting inaccurate information to all 3 of my credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: NY

Complaint narrative:
As of XX/XX/2019 my credit was dropped from both Equifax and XXXX from XXXX to XXXX. The reason they gave was an outstanding balnce of {$400.00} with XXXX. That balnce was XXXX out on XX/XX/2019. It was a short term loan of less than 2 weeks. My score should not be taken a ten point drop because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I mailed a request for a copy of my Experian credit file as I was declined for credit by XXXX XXXX XXXX. A copy of the decline letter was attached but as of XX/XX/XXXX I have not received the credit report.

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 2019-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ

Complaint narrative:
I got a loss of income due to new job duties, I request a loan modification with Cardinals financial loan # XXXX and I had been sending lots of documents, lots of phone calls and still at this time I had not been able to solve my loan problem. I had not been able to talk to one specific person, is always a different person. every day is the same problem, more and more paper work and updates which will lead to not been able to resolve this loan. documentation is repeated been send. they have been really difficult to get this loan. I had advised them to assigned one person only or to met with a local office and work this but no help. I am afraid to loss my home due to this problem. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation