vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
EXQUIFAX, HAS BEN REPORTING COMPLETELY INCORRECT INFORMATION FOR THE LAST 4 YEARS. 

MY CREDIT CARD BALANCES ARE NEVER REPORTED CORRECTLY. 
THEY ARE ALWAYS REPORTED AT A MUCH HIGHER PERCENTAGE THAN IS ACTUALLY DUE IN COMPARISON TO XXXX XXXX AND XXXX. 

THEY ALSO HAVE REPEATEDLY CONDUCTED THEIR OWN DISPUTES THAT I HAVE NO ACCESS TO. I GET AN EMAIL STATING THAT A DISPUTE HAS BEEN COMPLETED THEN WHEN I GOT TO THE LINK IN THE EMAIL TO VIEW THE RESULTS, NOTHING IS THERE.. 

I GOT TO TRY TO CHANGE MY PASSWORD AND IT SAYS I CANT. EQUIFAX IS NOT AT ALL A RELIABLE SOURCE FRO CREDIT REPORTING AND NOW I FEAR THAT SOMETHING OR SOMEONE HAS ONCE AGAIN GAINED ACCESS TO MY PRIVATE INFORMATION THRU EQUIFAX HACK. 

WHY AM I UNABLE TO ACCESS MY OWN ACCOUNT INFORMATION OR EVEN LOGIN TO THEIR SO CALLED MYEQUIFAX.COM ACCOUNT AND VEIW MY REPORT STATUS AND SEE WHERE THESE DISPUTES ARE EVEN COMING FROM. 

I HAVE HAD FILE SEVERAL COMPLAINTS ABOUT THESE CREDIT REPORTING AGENCIES AND ITS TIME SOMETHING BE DONE TO MAKE THEM PAY FOR THEIR HARM TO OUR CREDIT FILES. 

BELOW ARE SCREENSHOTS OF WHAT HAPPENS WHENEVER I TRY TO LOG IN TO MY ACCOUNT OR EVEN CHANGE THE PASSWORD, MEANWHILE MY SCORE DROPPED OVER 25 POINTS OVERNIGHT ON THE XXXX AFTER THIS SO CALLED DISPUTE RESOLUTION AND IT SAYS ITS BECAUSE MY CREDIT CARD BALANCE WENT UP {$48.00} ...? WHY IS MY SCORE SO LOW ON EQUIFAX COMPARED TO XXXX AND XXXX LITERALLY OVER 75 POINTS OR MORE LOWER,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I checked online and saw that my account with Wells Fargo was charged off and closed I had no idea it would happen nor did I receive a call nor any notification for the amount of {$320.00} bank does not contact nor write nor advise client of closing account. The last I tried to transfer the money to the account pending a deposit I was directed to a department that just apologized and said we were not aware we did not send notification but yet they are ruining their customers by not doing the proper steps not one call not one notification nothing was mailed no correspondence from bank whatsoever.

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 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi bank said they sent me a check for my remaining funds. They said 30-60 days for the check to be mailed. The account was closed in XXXX. Near the end of the month. Without any info. I went to DC last month and went into a branch I was told the same exact thing as before but its been well over 90 days! I need my money. I have every right to it. $ 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 non-monetary relief
Consumer complaint received 2021-10-20 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: DISCOVER BANK
State: MO

Complaint narrative:
My sister XXXX XXXX added me as a authorized user to her Discover account. XXXX listed the Florida address on my report but refuses to place the account on my credit bureau which would raise my score. Im shopping for a home loan, and the account would help me. The credit bureaus only list information that hurts me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: MO

Complaint narrative:
My sister XXXX XXXX added me as a authorized user to her XXXX account. XXXX listed the Florida address on my report but refuses to place the account on my credit bureau which would raise my score. Im shopping for a home loan, and the account would help me. The credit bureaus only list information that hurts 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 2021-10-20 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My sister XXXX XXXX added me as a authorized user to her XXXX account. Experian listed the Florida address on my report but refuses to place the account on my credit bureau which would raise my score. Im shopping for a home loan, and the account would help me. The credit bureaus only list information that hurts 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 2021-10-20 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: FL

Complaint narrative:
Sad I now have to pursue this avenue, this vehicle among others that were purchased via identity theft XXXX refuses to remove this fraudulent information off my credit report rejecting Experian 's attempt. This is obviously Identity theft because it is a 1st payment default which is fraud. XXXX is unable to produce even one verified payment or accurate documentation to prove beyond a reasonable doubt that this is a legitimate debt. I am hopeful that this issue will be resolved here without having to take this in front of a judge.

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 2021-10-20 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:
On XX/XX/2021 I sent certified mail to Equifax, XXXX and XXXX advising them that I am a victim of Identity theft and do have the Certified Mail receipts as proof. It has been over 30 days since Equifax, XXXX and XXXX received my correspondence which contained my VALID DRIVER 'S LICENSE, my Utility bill, NOTARIZED IDENTITY THEFT AFFIDAVIT AND FEDERAL TRADE COMMISSION REPORT, and I have not received any notices that the information therein was Deleted, and yet this False inaccurate information still remains on my file with the last investigation. Because of this defamation of my character being reported by Equifax, XXXX and XXXX, I have been damaged and unable to fairly obtain employment, credits, loans, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
Since the end of XXXX I have been disputing Source Receivables MNGMN for a false debt they claim I owe with the original debtor being XXXX. I have zero knowledge of this account and have never had any business or account with this company. The account was opened with a false address that has been proven fraud and removed from my account and the collection should be removed as well as it identify theft. Attached is a copy of the identity theft report I filled. I request that immediate action be taken and this fraud collection be removed from me credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I made a purchase at a Hilton Garden Inn and did not receive the additional bonus points for putting the purchase on my American Express Hilton Honors credit card.

The company stated in its response to me that the hotel I made a purchase at was not a Hilton hotel and was thus not eligible for the additional XXXX  Hilton points ( for a total of XXXX  Hilton points ). 

However, this absolutely was a Hilton hotel it was the Hilton Garden Inn in the XXXX XXXX, a semi-autonomous region of XXXX. 

I have attached a copy of the bill upon checkout showing the charge of XXXX XXXX XXXX ( XXXX  ) and a copy of the American Express charge details which clearly show the charges description as Hilton Garden Inn XXXX XXXX and which states that the charge [ w ] ill appear on your XX/XX/2021 statement as Hilton Garden Inn XXXX XXXX. 

Therefore please provide the bonus points for this stay as required by the terms of the credit card agreement. 

The reference number for this dispute is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
I have been having difficulties with Mr. Cooper since XXXX and finally had resolution in XXXX but I'm having difficulties again. I make partial payments for my mortgage, first payment last week of previous month and the XXXX payment the first week of the month due and they continue to misapply my payments and now charging me finance fees because they will not move my payment out of other and into principle/escrow accounts. I have spoken to XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and they haven't moved my payment to the correct accounts. I have health issues and I shouldn't have to deal with incompetent customer service reps and fear that my principle and escrow are incorrect due to their incompetence. Mr. Cooper will say since I make partial payments it isn't up to them to apply it correctly, their computer does it but after several phone calls you would think it would be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
The online bank system at US Bank was changed some time ago and does not work properly or in a way that is easy for a customer to use. They now use the system as a way to make a profit by suggesting consumers pay a fee of {$14.00} to pay a bill by a certain date. They constantly have a waiting circle when going from one place to another on the website. About a year ago, they did have a system that seemed to work based on ease of use to the consumer. Now I think they have changed it as a way to purposely confuse consumers into paying fees to use their system. I can not see past payments I have made to particular billers in the bill section like I could in their bill pay system a year ago.

I believe companies including banks are using their websites to make a profit for themselves rather than simply helping consumers pay their bills with ease. This needs to be stopped and should not be tolerated. The online bill pay system for US Bank is purposely made for their own advantage, not for the customers. Instead of fixing the online system, they constantly ask for surveys from their customers even when they must already know this bill pay system is not working for the customers benefit.

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 2021-10-20 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:
Equifax remove reporting that capital is reporting pays on time but removed 66 points from my eqifax profile with XXXX XXXX. Theses practices are fraudulent and must stop. If Iam on time why Iam Iam I losing points One part of the report says Iam doing good then the other says I missed a report. It's confusing and my score she not be affected by equifax or XXXX XXXX inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
Scam email to collect a false debt. I have never used speedy cash, dont even know what that is if its a game site or loan site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: GA

Complaint narrative:
All three credit bureaus are violating my rights under the FCRA, and also the they are no complying with the 60 day investigation parameters set fourth by CFPB. I have tried 3 different times this year to get the credit bureaus to update my information. Each time i have submitted a complaint with the CFPB, I get no help. The bureaus have given me the same answer for all 9 of my complaints. That they are still investigating my results. After 9 months. The are still investigating my results. They are stalling. I will be also submitting a complaint with the Federal Trade Commission.

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 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA

Complaint narrative:
See Attached Formal Letter of Complaint outlining the details of the process and inability for Community Loan Servicing to complete the loan modification program. I have included some of my notes from the multiple calls made to them, as well as all other documents showing I have done all that is required and they fail to complete the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
On XX/XX/2021 I received electronic notification that my mortgage servicer had made a disbursement from my escrow account for flood insurance. This wasn't in the timeline of previous escrow expenditures. What was disconcerting is the current policy is still in effect today, XX/XX/2021 and expires XX/XX/XXXX. The premium paid included a increase in the premium, which I had not yet received, reviewed or had the opportunity to make changes. On or around XX/XX/XXXX I asked the servicer help desk why the disbursement was made 60 days before expiration of the current policy which I had yet to receive. Rocket Mortgage did not respond immediately and I followed up with a phone call. The " explanation '' was to allow for mail delivery which I think is not acceptable because Rocket Mortgage made the disbursement the same day they received a electronic invoice. By engaging in what is an internal policy they denied me the expected and reasonable opportunity to review and make changes to the policy. Which is what happened post expenditure. The fact that these changes were made and completed PRIOR to XX/XX/XXXX belies the reason for making the early disbursement. XX/XX/2021 I received notice from Rocket Mortgage that they have made my homeowners insurance payment and again there is a premium increase that I need to review and make changes. The payment was again made the same day they received the electronic invoice. The policy expires XX/XX/2021. As a retiree I review any increase in all of my expenses as the common refrain from the organization is.. '' it's only $ amt ''... not understanding across the board increases add up and can and do have financial and economic impact. I was told in a XX/XX/XXXX phone conversation with Rocket Mortgage resolution agent the complaint would be escalated but I'm not confident this will stop the practice. I need to make changes but as of today I have not received my renewal mailed XX/XX/XXXX by the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
The company has continuously called not identifying themselves as debt collectors or an attempt to collect their debt. They received no answer no one says anything when they call and they use the robocall to update credit records as if they spoke to someone. They should not be able to update credit records saying that they spoke to someone for example they have a declared natural disaster written on my credit record no one spoke to me I never declared any natural disaster. This company is making false representations on my credit record updating it monthly is not two or three times a month they didn't buy the debt two or three times a month they have no right to update it to three times a month they've never spoken with me I don't owe this debt and they have been predatory in their attempts to collect the debt that is not old. In this form I'm only allowed to choose one auction at a time but there are many more options if I could choose more than one that I would fill in for them. When I asked for verification and validation of debt in 2019 I received no reply.

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 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Mortgage has fallen behind by 2 months, I have been making payments every month but unable to catch up with additional 2 payments. In the past I have contacted XXXX and advised them that I am trying to catch up but in the meantime I can make the monthly payments. XXXX advised me that as long as I maintain the monthly payments I should be ok until I am able to catch up however, they did say they could send me paperwork to push back the past due so that the account comes back to current. I had accepted this and received the paperwork which needed to be notarized. Prior to them sending out the paperwork I had advised XXXX  the my wife who was on the paperwork had passed away from XXXX on XX/XX/2021 and that they should resend paperwork with only my name. XXXX would not resend me paperwork with just my name nor would accept her death certificate to have onfile, this presents a problem when trying to get the paperwork notarized. I was granted social security surviving spouse benefits that goes straight to paying the mortgage each month, I do have backpay that I am awaiting on to be able to use to catch up on the loan but that process is taking way longer than it should and I am working to get it expedited. In the meantime I have been getting numerous letters from XXXX threatening to foreclose on my property even though I had advised them about the situation over the phone. I have not been avoiding talking to XXXX and have been very open about my situation which they advised again that as long as I make my payments I should be ok.

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 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I notified USAA of fraudulent activity on my checking account in XX/XX/2021- they credited my account the missing funds, then a month later they said they determined SOME of the fees were fraudulent and SOME were not. All the same location and taken the same day. They notified me they were closing the account because I REFUSED to pay them over {$5000.00}. I called more than 3 times to ask why some of the charges were deemed fraudulent and some were not- I NEVER received a response. Now I cant open an account anywhere else.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX remove reporting that capital is reporting pays on time but removed 66 points from my XXXX  profile with XXXX XXXX. Theses practices are fraudulent and must stop. If Iam on time why Iam Iam I losing points One part of the report says Iam doing good then the other says I missed a report. It's confusing and my score she not be affected by XXXX or XXXX XXXX inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Healthcare Receivables Group, Inc.
State: VA

Complaint narrative:
Sent healthcare receivables validation letter and never recieved rigjt to dispute letter or validation letter also company violated hippa accessing medical records to collect debt not owed

Company response to consumer: Closed with explanation