vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 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: TN

Complaint narrative:
Dear XXXX, Ive been a holder of a XXXX credit card for many years and had never missed a payment or had an issue on the account. I elected at some point to go paperless with statements at the encouragement of XXXX. 
As you can see by my activity on my account, my credit card balance is paid off monthly. At the end of XXXX of XXXX, I carried a {$0.00} balance on my card. At some point, I stop receiving electronic statements from XXXX, I assumed it was because I had a XXXX balance. In XXXX of XXXX, XXXX XXXX charge me a membership fee of {$450.00}. I was not aware of this charge and I didnt authorize this charge. Because I wasnt receiving any electronic statements, I was not aware of any balance due on the account. As you can see on my account, I never used the card for any other charges the following several months. Since I was not aware of the balance and then the subsequent late fees, XXXX reported these to the credit agencies as delinquent. It wasnt until XX/XX/XXXX that I received a call from XXXX stating I had an overdue balance on the account, which I then promptly made a payment on {$100.00} until I could investigate. After the payment was made, XXXX closed my account, and I couldnt access it on-line. 

I didnt notice any of the above until I was applying for a loan and the lender stated that my credit score was XXXX. A few months earlier, I knew my credit score was actually at the highest level of XXXX. I knew an error must have been made for it to drop 100 points. That is when I discovered the issue with the XXXX account. I called XXXX immediately and explained the above information and they stated they would get it corrected with the credit reporting agencies, but then I get the attached letter stating that the records are correct. 

This is unacceptable treatment from a financial institution like XXXX to a long-standing client with exceptional credit history his entire life. XXXX failed to contact me either via mail, electronically or by telephone before reporting a delinquency and allowing an unauthorized charge to my account. I demand that this be corrected with the credit reporting agencies immediately. XXXX error has already damaged my ability to secure the lowest interest rate loan available. If not corrected, I will take legal action and sue for damages. Most importantly it is the right thing for XXXX to due for a previously loyal client. If XXXX was not in the wrong, then why did they eventually reverse the charge that caused the issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Dear XXXX, Ive been a holder of a XXXX credit card for many years and had never missed a payment or had an issue on the account. I elected at some point to go paperless with statements at the encouragement of XXXX. 
As you can see by my activity on my account, my credit card balance is paid off monthly. At the end of XXXX of XXXX, I carried a {$0.00} balance on my card. At some point, I stop receiving electronic statements from XXXX, I assumed it was because I had a XXXX balance. In XXXX of XXXX, XXXX XXXX charge me a membership fee of {$450.00}. I was not aware of this charge and I didnt authorize this charge. Because I wasnt receiving any electronic statements, I was not aware of any balance due on the account. As you can see on my account, I never used the card for any other charges the following several months. Since I was not aware of the balance and then the subsequent late fees, XXXX reported these to the credit agencies as delinquent. It wasnt until XX/XX/XXXX that I received a call from XXXX stating I had an overdue balance on the account, which I then promptly made a payment on {$100.00} until I could investigate. After the payment was made, XXXX closed my account, and I couldnt access it on-line. 

I didnt notice any of the above until I was applying for a loan and the lender stated that my credit score was XXXX. A few months earlier, I knew my credit score was actually at the highest level of XXXX. I knew an error must have been made for it to drop 100 points. That is when I discovered the issue with the XXXX account. I called XXXX immediately and explained the above information and they stated they would get it corrected with the credit reporting agencies, but then I get the attached letter stating that the records are correct. 

This is unacceptable treatment from a financial institution like XXXX to a long-standing client with exceptional credit history his entire life. XXXX failed to contact me either via mail, electronically or by telephone before reporting a delinquency and allowing an unauthorized charge to my account. I demand that this be corrected with the credit reporting agencies immediately. XXXX error has already damaged my ability to secure the lowest interest rate loan available. If not corrected, I will take legal action and sue for damages. Most importantly it is the right thing for XXXX to due for a previously loyal client. If XXXX was not in the wrong, then why did they eventually reverse the charge that caused the issue?

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXX  XXXX XXXX, XXXX, XXXX and XXXX  XXXX XXXX XXXX have inquiries that were not authorized reporting to my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Citi Bank XXXX XXXX, XXXX, XXXX and XXXX  XXXX XXXX XXXX have inquiries that were not authorized reporting to my credit 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 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
The Bureaus is reporting inaccurate info on my credit report and i have sent 609 611 for verification and no response for the ammount of {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Ive sent this company numerous request to provide verifiable proof for both XXXX XXXX XXXX  accounts. The failed to comply. Ive even sent them proof that the account doesnt belong to me and that XXXX  has already removed it and they continued to send it back as verified with no proof.

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I have an unauthorized inquiry to my consumer report from XX/XX/2019.

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 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
One main is reporting a in accurate inquiry on my credit report and i have no idea of this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
A man named something that sounds like " XXXX XXXX '' has called me everyday twice a day since XX/XX/2020, leaving a message every 24 hours stating that he is representing XXXX XXXX on a debt not owed. He provides Reference # XXXX and a return phone number XXXX. Each time he calls, a different phone number is used to make the call appear local, but I can tell by his accent that he is calling from somewhere in the XXXX XXXX. In every voicemail he states " I am calling from XXXX XXXX, '' but the return call phone number is registered under Southwest Credit Systems. He has used all of the following phone numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I have retained all of the voicemail messages. Under the FCRA and the FDCPA please immediately cease and desist all further attempts to collect this debt not owed to Southwest Credit Systems and especially not Southwest Credit Systems using contractors in the XXXX XXXX to pose as employees of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Is Transunion and XXXX  a company like XXXX XXXX XXXX XXXX? I called XXXX XXXX XXXX XXXX. They were wrong and unlawful and didnt have permissible permission that accessed my personal information that led to fraud. However, they are the big rich company and will do things their way regardless what is right. They expect more of my personal information to perform a fraud investigation. This is why just within the last 100 days, XXXX XXXX XXXX XXXX has deleted 66 requests and complaints by labeling as duplicates and not answering one single request or complaint. Instead of acting like a normal person and saying oops, were sorry we accessed your credit report without permission and we will make it right ; they state they have their policies and standards and will do things their way and they need more private information from me. This all goes back to the beginning when XXXX XXXX did not valid permissible permission to access my credit report. And Transunion and XXXX  went along because they are big too, XXXX XXXX is their client and they need to look out after each other and American people are small.

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 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
This administrative complaint is filed on behalf of the complainant by her advocate. The complainant has limited English proficiency. 



The complainant was a self-employed hair stylist for many years. The ongoing worldwide COVID-19 pandemic forced her to close her business. She was approved for a forbearance on her mortgage loan for XXXX through XXXX. XXXX, SN Servicing Corporation representative, told the borrower to apply to have the forbearance payments added to the back of the loan after XXXX. The borrower applied to have her forbearance payments added to the back of the loan, but XXXX was no longer available, instead she worked with XXXX. XXXX was short tempered and negligent in clearly explaining the forbearance options, provide investor information, or explain the borrowers right to authorize a third party. 



The borrower submitted multiple applications to add the forbearance payments to the back of the loan. Correspondence regarding the forbearance application was sent to the borrower in English. She did not understand why she was offered a repayment plan instead of adding the payments to the back of the loan. She tried to authorize her daughter, but XXXX repeatedly said no, without explaining that a third-party authorization form needed to be submitted. The borrower feels that XXXX actions were inconsiderate of her obvious language barrier. Additionally, instead of explaining why the forbearance payments were not added to the back of the loan, XXXX repeatedly told the borrower to submit a new application. The borrower lost count of how many times she applied before XXXX told her the investor of the loan wasnt willing to add the forbearance payments to the back of the loan. The borrower asked for the investor information. XXXX told her to re-apply so they can re-review her, instead of providing the investor information. The borrower re-applied. The investor refused to put the missed payments to the back of the loan again. 



Never once did XXXX, nor anyone at SN Servicing Corporation, explain to the borrower that not all mortgages are protected under the CARES Act. The borrower believes information was purposely withheld as a tactic to lead her to foreclosure or force her out of her longtime home. Should SN Servicing Corporation representatives have clearly explained the realistic alternatives, the borrower would have been more cautious in accepting a forbearance plan. The borrower would also like to have CFPB be aware that SN Servicing Corporation is not offering reasonable options to homeowners who were directly affected by the on-going worldwide pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: WA

Complaint narrative:
Ive sent this company numerous request to provide verifiable proof for both XXXX XXXX XXXX  accounts. The failed to comply. Ive even sent them proof that the account doesnt belong to me and that XXXX  has already removed it and they continued to send it back as verified with no proof.

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 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
At some point in Fall XXXX, I was allegedly mailed notification that my flood insurance zoning would be changing. At the time, I was experiencing mail theft so I missed the notifications until XX/XX/XXXX when I saw that my mortgage charge was going up $ XXXX  monthly. Upon investigation, I found that there was an escrow shortage to the tune of about $ XXXX from my flood policy insurance holder, national flood insurance program direct servicing agent. For the last four months, I have been fighting with these agencies to determine why my premium is now so costly. For context, I live in a XXXX square-foot second floor unit, converted in XXXX with a new roof replaced in XXXX that has absolutely no risk of flood damage, because I ultimately only insure the inside of the unit. I also have a master HOA flood policy that provides more than XXXX of my required coverage from the bank, BBVA. For the last couple of months, going back-and-forth between the flood policy holder and the bank has been an absolute nightmare because I also got laid off in XX/XX/XXXX. Im able to pay my mortgage as is, but a raise of {$3600.00} dollars per year is not going to fit into my current budget. I have called and called, liaised with my condo policy carrier, state farm, and I keep getting nothing but arbitrary responses. I went ahead and bought a private flood insurance policy so that I could cancel the NFIP policy and pay less, and NFIP told me they refused to cancel my policy unless I sold my property. I am really stuck here and need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I refinanced my property from Bank of the West to XXXX XXXX, during this process, taxes were due, to be paid out of my escrow account. Bank of the west paid my taxes late which occurred late charges, I was never notified that taxes were not going to be paid on time. I spoke with Bank of the West, they told me that a letter should have been sent out, I never received a letter and requested proof of the letter sent, after a day they emailed me back and informed me that they never sent me a letter. I have repeatedly tried to find out whether they were going to credit my escrow account, but now i can not get a response. I should have the right to pay my taxes on time and avoid late fees, Bank of the West never gave me the opportunity and therefore took it upon themselves to spend my hard earned money.

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 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
The account is not my account and I have never had any business with Enhanced Recovery/XXXX. 
I sent a letter regarding a debt collection attempt for Enhanced Recovery/XXXX indicating that I owe a debt that is not mine. I sent a letter dated advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: SC

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a call from someone stating that they were from a law firm trying to collect a debt from an old closed bank account that I have not used in over eight years. She told me I had until XXXX today to settle this debt or they would continue the lawsuit and report me to the big 3 credit agencies. She said they would also send me to XXXX XXXX and I would not be able to have a bank account for 5 years. She emailed me a letter and I called the law firm for more information but I keep getting sent to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted XXXX regarding a bankruptcy on my credit report. 

1 ) Bankruptcy - I provided written documentation from the US Bankruptcy Court stating it does not verify information with credit porting agencies ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. I provided written documentation to XXXX from third-party XXXX stating there is not a bankruptcy on my consumer file ( XXXX XX/XX/2020 ). XXXX responded the information as " verified ''. XXXX has failed to provide how and with whom the information was verified. 

I provided I provided written documentation from the US Bankruptcy Court stating it does not verify information with credit porting agencies ( XXXX XX/XX/2020 ). TransUnion responded the information as " verified ''. I provided written documentation to XXXX from third-party XXXX stating there is not a bankruptcy on my consumer file ( XXXX XX/XX/2020 ). TranUnion responded the information as " verified ''. TransUnion has failed to provide how and with whom the information was verified. 

I provided written documentation to XXXX stating XXXX removed the bankruptcy from my credit reportXX/XX/XXXX ; yet reinstated the incorrect item on my credit report 2 ) Charged-off account - I provided written documentation stating XXXX is reporting late payments to a charged-off account ( XX/XX/XXXX ). XXXX responded the reporting of late payments on a charged-off account as accurate. 

Charged-off account - I provided written documentation stating TransUnion is reporting late payments to a charged-off account ( XX/XX/XXXX ). Transunion responded the reporting of late payments on a charged-off account as accurate.

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