vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My husbands credit score decreased on XX/XX/XXXX & XXXX, 15points each without any explanation We contacted both Experian several times and FICO and they gave us vague answers as to why, which were completely irrelevant. 

We are about to close on a house and we are stuck because our lives are hinging on this and we can not get answers We feel we as consumers who have our hands tied should at least know WHY a score has changed or dont change it! We are being ripped off by credit bureaus and their reporting Report but explain or dont report!! 

We dont know if its an error or we are doing something wrong

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 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have previously disputed this account with XXXX XXXX XXXX and filed a complaint with CFPB regarding the account. The account was closed prior to 2016 with a {$0.00} balanceXXXX XXXX XXXX  XXXX did not respond to my CFP complaint within 30 days and requested an additional 45 day. However, to date I have not received anything from them in response to the complaint.

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 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Product was ordered and total amount was charged in the amount {$100.00} my credit card was charged twice for the same item which in total was {$79.00} on XX/XX/20. The said vendor paid made good on the two items in which they were both returned to them. The credit card company representative whom I spoke with on the telephone was informed to closed the account in which there is no balance that is owed by myself. The credit card company calls everyday after informing them to close the account and I have no balance owed to them.

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 2021-02-25 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: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I open the account and never receive the card. The company open the account whitout verify my identity and allowed the criminal use the card. I alert them that I didt receive the card and try open a dispute, they have same person on the costumer service that never help or guide a solution. I report them after they send the statement and its been already 2 months and nothing been done. Besides hurt my credit now they are charging me late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is the servicer of my student loan XXXX. I am XXXX. In XX/XX/XXXX there was a judgement placed on my home without my knowledge.I know there is a case going on now in court. I want to know what is the status on this case because I need the judgement removed from the court records. I need my home refinanced at a lower interest rate because i am on a fixed income. Thank you very much,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: TX

Complaint narrative:
AMERICOLLECT is claiming that I owe them {$51.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: Ability Recovery Services, LLC
State: NY

Complaint narrative:
I spoke with collection agency on XX/XX/XXXX regarding an account thats no longer in collection, due to bankruptcy discharge. I was told the account would be removed from XXXX, however it wasnt removed.

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 2021-02-25 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: KS

Complaint narrative:
I have fraud on my account and want the inquirys off please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Complaint against BMO Harris Bank I have a property Florida has gone through foreclosure. During the first foreclosure I paid the reinstatement fee of what they requested in the time they requested. This was in XXXX of XXXX. It was right about {$24000.00}. This also had about {$5000.00} legal fee. We were supposed to get a reinspection in XXXX. We ordered that from the bank. Then they sent out the wrong insurance company. Then they had to send out another insurance company in XX/XX/XXXX. We then had to hire an engineer and that cost {$3000.00}. I had to pay for that out of my pocket. This was because a tree fell on the house. The bank still has part of the money from the insurance. They won't pay that out now. I missed a few payments on the house and I found out they were doing a foreclosure again. I called them to see how much I needed to pay to get it out of foreclosure. They came out in XX/XX/XXXX and tried to changed the change the locks but my neighbor stopped them because the house was occupied. I contacted them and told them I would pay the back payments to get the home out of foreclose. They tried to charge me another {$5000.00} fee against. I told them I didn't thing that was fair since I paid the fees last time. They then said I didn't pay the taxes but I did. I agreed to pay the back payments I owed. They said they had the right to charge the legal fees. I asked them how could they do that since I could not live in the house since I was getting it fixed due to the tree damage and they are still holding the insurance money. Then they said there was something wrong with the title and that would be another {$2000.00}. I have had this house since XXXX and there has never been a problem with the title. I am the contractor right now and I am paying other contractors to help me to fix the house from the tree falling on it. So all my tools and everything are in the house. They came back in XX/XX/XXXX and broke into the house and changed all the locks. They were not supposed to do that and I advised their attorney that they was wrong. Their attorney said he would check with the bank to see why that happened. The address of the house is XXXX XXXX XXXX XXXX XXXX, FL XXXX. 


this complaint was filed and closed but the bank agreed to resovle and remove service fees and legal fees but to date they have not made the adjustments to the acount. i have made calls and left voicemails and no response.

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 2021-02-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX has been misreporting this account for over a year and a half, substantially dropping my credit scores, inhibiting me from getting credit, and creating an unjust financial hardship on me, XXXX XXXX XXXX XXXX XXXX charged off balance : {$11000.00} 82 % settlement : {$9400.00} paid in 3 payments XXXX amount : {$2000.00} XX/XX/19 Settlement payment dates and amounts : XX/XX/19 paid {$1100.00} XX/XX/19 paid {$4000.00} XX/XX/19 paid {$4200.00} Total settlement paid {$9400.00} XXXX received XX/XX/19 for the forgiven amount as a results of the settlement agreement I have attached 4 images to corroborate this claim 1. Screenshot of how the XXXX XXXX charged-off account is misreporting a balance to all three of my credit bureaus. 

2. XXXX XXXX XXXX letters showing they collected on this debt 3. Proof of the three settlement payments made to collection agency as per our settlement agreement 4. XXXX received for the forgiven amount

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 2021-02-25 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
To whom it may concern, I am writing in response to the closed CFPB complaint : XXXX. 
I received the mailed results however the evidence is not sufficient to verify and validate that this account is mine, As I have NOT received the original contract bearing my signature. 

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. SEARS/CBNA XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the ORIGINAL CONTRACT the information should be removed from my credit report within 30 days.I have attached a drivers license as proof of my identity.

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 2021-02-25 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: Social Finance, Inc.
State: NY

Complaint narrative:
I have tried contacting company in regards to an unauthorized inquiry dated XX/XX/21, however I can not get ahold of anyone in credit dept. I did not apply for an account with SoFi.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: IL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Before I when to the doctor visited I asked XXXX XXXX. XXXX if they took my new health insurance which is XXXX XXXX XXXX XXXX. I was informed by XXXX XXXXXXXX XXXX they did and I gave them my insurance card and information. I also payed XXXX XXXX. XXXX my XXXX $ Copay approximately date XXXX XXXX XXXX XXXX. XXXX send me a bill for approximately {$270.00} for doctors visited and vaccination. I was confused since XXXX XXXX XXXX already accepted my insurance and took my copay. 

I already tired to resolve this problem with XXXX XXXX. XXXX and XXXX. I Complied with XXXX appeal process by writing them a letter, explaining whats going on I also filed all the Proper paperwork, but they refused to cover the bill. I then talked to XXXX XXXX. XXXX billing department I explain to them everything going on and they apologize and agree to remove the XXXX visit from the bill but still tried to charge me for the vaccination shots. 

I refused to pay XXXX XXXX. XXXX since their the ones who made the mistake of telling me they accepted my Insurance when they didnt and then proceeded to send me to collections. 

It is not right that this company can blind sign a customer with a unexpected bill and get away with charging customers without giving them a prices before the service and tell them one thing and then send a bill months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
BOA continues to send me emails, violating my right as a consumer by harassing me through email attempting to collect as a debt collector. Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I am demanding that you cease all forms of communication with me through any and all mediums.

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 2021-02-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, my wife called the Mr. Cooper call center responding to several persistent and obnoxious phone calls from them. My concerns are these : 1 ) In XXXX of XXXX, we applied for a forbearance under the auspice of economic relief related to COVID-19. It was represented that our payments would not be forgiven, but rather, our payments would be applied to the end of our loan. There was no discussion or disclosure related to the necessity for " modification ''. Therefore, Mr . Cooped failed and misrepresented pertinent information related to COVID-19 Relief. 

2 ) Mr. Cooper persistently, unnecessarily and obnoxiously calls everyday. There are no messages left and when we call back, the inept customer service department can't seem to access notes or records to understand why Mr. Cooper was calling us in the first place. 

3 ) On XX/XX/XXXX at approximately XXXX XXXX Mountain Standard Time, my wife called XXXX and spoke to a woman who alleged herself as a customer service representative, but her behavior would suggest something different. Regrettably, we don't recall her name, but any competent call center manager would be able to search the records for either my wife 's phone number or our account number, on this date and approximate time, to find the recording. 

Anyway, the female employee 's conduct and demeanor was beneath any acceptable professional standard of customer service. She was rude, condescending and habitually interrupted my wife who was attempting to ask questions and understand the situation related to our mortgage account. 

The female employee also alleged that our mortgage is " delinquent '' ( which it isn't ). The female employee 's assertion that our mortgage is " delinquent '' is either a misrepresentation on her part, or Mr. Cooper as a corporation misrepresented the terms of the forbearance related to COVID-19 relief. Either Mr. Cooper is at worst are deceptive about their COVID-19 relief, or at best they violated the Fair Debt Collection Practices Act by misrepresenting that our loan is " delinquent '' and calling to harass us multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2020, I submitted a payment of XXXX as a direct deposit payment and a payment confirmation of that date and payment I submitted was confirmed and I printed a copy of the record, on XX/XX/XXXX I called 53rd bank to ask why I was reported late on my credit report, representative from the bank said no payment was received from me, after sharing my confirmation number and reason why that occurred was on a technical level issue on behalf of the bank, representative agreed to reverse the late payment fee adjustment as it appears on record and along my confirmation that I printed at the time, knowing that my XXXX  shut down due to coronavirus in mid to late XXXX reason for my late response to the technical error on the 53 bank website. The representative said reversing the late fee will automatically remove my negative reporting to the account and this has not been completed and it has neglected my ability personally while a victim of business interruption of the pandemic and a victim of XXXX XXXX illness shortly after. Also monthly payment are electronically shown paid and that the count of payments made versus if any missed doesnt add up to a completely 30 days of no such payment and my records are available to provide clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This company has tried to charge me services for a visitation that Ive never been to. I have never set up an appointment, made contact with this office, or had any relations involving this institution whatsoever. This is fraud and absurd how someone could randomly start charging me for something I have never received or have been serviced. Fix this issue please!!!!

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 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity bank has received my balance transfer for {$2200.00} from XXXXXXXX XXXX. Comenity claims it was never received. However, XXXX XXXX  has performed a trace and clearly says it was received by Comenity bank on XX/XX/2020. I am not delinquent on any payments and this is the first time this has happened. I have sent larger payments in the past and had no issues. It has been over 2 months and have been sending secured emails to the company with the attachment. Nothing has happened and only receive generic responses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a return payment in an account that was never late. The only return payment was XXXX and I made the payment right way. I tried explain than that its not fair they close an account after almost 2 years whitout any fee specially now in the middle of a pandemic. They close the account today right away and after 5 days of the return. They never provide any information about it and this is going to destroy my credit. Also I have another account that they close too. Its 2 differnts accont and they are using this against all my accounts. Its insane they close both account same day without any late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I do NOT have knowledge of. This was a result of malpractice or an error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I do NOT have knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
To whom it may concern, I am writing in response to the closed CFPB complaint : XXXX. 
I received the mailed results however the evidence is not sufficient to verify and validate that this account is mine, As I have NOT received the original contract bearing my signature. 

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX  As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the ORIGINAL CONTRACT the information should be removed from my credit report within 30 days.I have attached a drivers license as proof of my identity.

Company response to consumer: Closed with explanation