vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I checked my credit report & saw that points were taken away from my score because I moved. I didn't move, I closed my postal box & had my mail sent to my home. I contacted experian & spoke/a person in the XXXX. He said his name was XXXX but he didn't understand me. I asked to speak to someone in the US. He said he was transferring me to the US, I asked for the number in case my call didn't go through. He said he didn't know the number he was transferring me ( I asked how could he transfer me to a number he didn't know. Basically he didn't explain that transferred me to hang up. Can u help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've been trying to get my credit report frozen with Equifax since XX/XX/XXXX. It took me 5 minutes online with XXXX and XXXX, but Equifax has been deceitfully stalling me throughout the process. I'm unable to do it online or by phone since they require additional documents. I've spoken with an agent on the phone and was instructed to send a letter to Equifax with a request to freeze my credit report, along with proof of ID and proof of address, which I did. I've got confirmation that Equifax received the letter on XX/XX/XXXX. Since then, my credit has not been frozen. I've tried to contact the company again on the phone, when the agent simply read me a script telling me that they couldn't see whether the letter had arrived or not ( and that was after confirming an endless series of personal information, such as SSN, address, and date of birth, as always ). I've tried contacting them on XXXX, and they've simply told me they've handed my case to the XXXX team as I am travelling abroad ( which, again, makes no sense ). It is clear that the company has been acting in bad faith in order to keep my credit report unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OUT TECH, INC.
State: TX

Complaint narrative:
A collection agency by name " Bureau of Account Management '' has sent me a letter for collecting debt for amount {$4600.00} on XXXX XX/XX/XXXX. This is for the medical services provider " XXXX XXXX XXXX XXXX '' for date of service on XX/XX/XXXX. 

The amount due as mentioned in the letter for {$4600.00} is incorrect. I called up the provider and had a conference call with collection agency representative on XX/XX/XXXX, where the amount due as confirmed by the provider was {$1100.00} The collection agency was supposed to send me a letter confirming the revised amount, but I did not received any letter. Instead the collection agency representative keeps calling me and leaving phone messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Back in XXXX, I opened my CITIBANK , N.A . checking account at CITIBANK , N.A . at CITIBANK XXXX. XXXX # XXXX in XXXX XXXX, NY. 

About less than a year ago ( XXXX, XXXX ), I was charged an overdraft protection fee. They waived that fee for me and then after that I asked them to opt out of the overdraft protection ( I have never opted in and I opened my bank account after XXXX ). 

Today, I got an email from CITIBANK , N.A . that they charged {$34.00} as an overdraft fee, so I called the customer support right away to get the fee waived as I already opted out of the protection and but they denied my claim. 
A supervisor named XXXX told me that it is not possible to opt out of the overdraft protection, which is clearly against the overdraft regulation that was imposed after XXXX. 
The only customer support channel they seem to have is an outsourced customer support and the supervisor told me that they can't do anything to escalate the case. 

I need CFPB to help me get this case through with CITIBANK , N.A . 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
I called over 1,000 times asking why earthquake insurance was not paid during renewal in XXXX.Four bills were sent to mortgage escrow department. I signed disclosures authorizing to pay policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-18 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: KY

Complaint narrative:
CRA is in violation of several consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Have two loans where XXXX XXXX XXXX is the servicer. They have lost a {$4500.00} check for which I have the cancelled check. Secondly, on another check, they have applied the full {$4500.00} check to one loan as a principal reduction. As such, they show me as up to 60 days delinquent for now 3 months. I have waited for hours to talk to service people and they can see the problem and say they will address. I have sent them copies of all cancelled checks and have heard nothing. I have called again today ( from work ) and have left a number for them to call me, and two hours later, I have not heard from them. They have significantly impacted my credit score to the point where I can not obtain refinancing. 

I am writing letters to their head office but can't find anybody to address it to. I can only say that this is a fraud. I strongly suggest that nobody should accept XXXX as their loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: CA

Complaint narrative:
I HAVE BEEN IN XXXX SINCE XX/XX/XXXX. I CAME BACK IN XXXX OF XXXX AND WAS TRYING TO LEASE A VEHICLE. THIS CAR DEALER WHO PULLED MY CREDIT REPORT, NOTIFIED ME THAT THERE ARE SEVERAL COLLECTION ACCOUNTS IN MY CREDIT REPORT AND CAN NOT LEASE ME A VEHICLE. SOME SUSPECT ( S ) USED MY PERSONAL INFORMATION AND OBTAINED CREDIT AND SERVICES UNDER MY NAME WITHOUT MY KNOWLEDGE OR AUTHORIZATION. I HAVE ORDERED MY CREDIT REPORTS FROM 3 CREDIT BUREAUS. I HAVE CONTACTED ALL THESE CREDITORS AND BY THEIR ADVISE I PLACE A FRAUD ALERT ON MY REPORTS AND GOT AN IDENTITY THEFT REPORT AND FORWARDED TO ALL CREDITORS AND CREDIT BUREAUS. ALL THESE CREDITORS AFTER 45 DAYS FORWARDED ME LETTERS THAT THEY ARE CLOSING THESE ACCOUNTS BECAUSE THESE ACCOUNT WERE OPENED UNDER FRAUDULENT ADDRESS AND THESE SUSPECTS USED DIFFERENT PERSONAL INFORMATION THAT WAS NOT BELONG TO ME. LAST MONTH XXXX AND XXXX XXXX CREDIT BUREAUS SENT ME UPDATED CREDIT REPORT AND ALL THESE FRAUDULENT ACCOUNT WERE REMOVED AFTER THEIR INVESTIGATIONS. EQUIFAX CREDIT BUREAU IS REFUSING TO INVESTIGATE AND DELETE THESE ACCOUNTS. I HAVE TRIED TO CONTACT THEY BUT THEY ARE EVEN REFUSING TO INVESTIGATE OR TALK TO ME. I HAVE ALL THE PROOF THAT I HAVE BEEN OUT OF COUNTRY AND ALSO I GOT A POLICE REPORT REGARDING THIS MATTER. PLEASE HELP ME TO RESOLVE THIS MATTER OTHERWISE I HAVE TO OPEN A LAWSUIT AGAINST EQUIFAX CREDIT BUREAU AND I CAN PROOF EVERYTHING IN COURT THAT THEY ARE REALLY EFFECTING ON MY LIFESTYLE BY NOT DOING THEIR JOB. I AM ATTACHING LETTERS FROM SEVERAL CREDITORS THAT THEY FORWARDED TO ME. PLEASE CONTACT EACH CREDITOR AND VERIFY ALL THAT INFORMATION. PLEASE LET ME KNOW IF YOU NEED ANY ADDITIONAL INFORMATION. YOUR HELP IS REALLY APPRECIATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I filed for bankruptcy in XX/XX/2009. I have endured the penalties of a low FICO score for the past 10 years, including high interest rates, high insurance rates and impacts to employment. I was looking forward to having the bankruptcy finally removed from my credit report and having a high score and low interest rates, but my score has barely moved since the bankruptcy dropped off my credit report. Today, according to Transunion my score is XXXX. 

According to XXXX the primary reasons are the amounts of loans. My loans total {$140000.00}, but {$110000.00} is from student loans. Of the {$140000.00}, {$8000.00} is due to revolving credit and {$15000.00} is from regular loans, such as a car loan. It should be noted that I have several credit cards with no or very low balances, which do not play into the picture. 

My student loans are under a XXXX repayment program and I pay {$120.00} per month. 

Over the past 10 years there are only 2 accounts showing a 30 days past due, which were caused by the a debt consolidation loan and the bank failing to get the payment to them in time. And those were from 2 years ago. 

Therefore, the primary reason my score is XXXX is because of my student loans. As I mentioned earlier, there was no positive movement after the bankruptcy and/or after other creditors dropped off my credit report. Only negative movement as Transunion is still penalizing me for my bankruptcy.

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 2019-07-18 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: PA

Complaint narrative:
My husband and I are in the midst of applying for a mortgage w/ XXXX XXXX. We have no outstanding disputes w/ Capital One and three are showing up despite the accounts being paid in full, having zero balances, two being closed, and one being open. Capital One is telling me there are NO ACTIVE DISPUTES, so there is nothing to remove. When asked for a letter stating that, they told me ( XXXX - agent # XXXX ) that they can not furnish something saying that. It is not an option. 

These three disputes are causing huge problems in the underwriting process. We now run the risk of not getting the mortgage and ultimately being homeless because we have to move out of our apartment. 

XXXX XXXX is where the info is showing up - and I do not see these active disputes on my main three reporting agencies ( XXXX, XXXX and XXXX  ). How can I get them removed/updated? 

I am desperate right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
I had given a 60 day notice to vacate my apartment in XX/XX/2013 from XXXX XXXX XXXX in XXXX, AZ. Since we had purchased our first home and closed escrow on XX/XX/2013. On the written 60 day notice we had given the property manager for XXXX XXXX XXXX the dates were blacked out. Then advised they did not receive sufficient time to vacate the property and were going to be charged an amount of over {$5000.00} to move out plus rent for XXXX. We decided to take this to court. On XX/XX/2013 we appeared in court with the property manager. The XXXX ordered XX/XX/13 XXXX for the agreed eviction/surrender move out expenses of the apartment for the amount of {$2000.00}. We moved out of the apartment and paid the amount in full. Received an additional moved out statement for XXXX. Charging and additional termination fee of {$1900.00} and concession repayment of {$1400.00} on top of the agreed amount. Contacted the property manager for XXXX XXXX XXXX, they advised charges were correct. Contacted their attorney, refused to discuss the judgment unless we were in court. The charges could not be explained or justified, even though we complied with the 60 day vacate notice, which was also blacked out. We also never received a vacate pay or quit notice. We had paid our debt in full and do not owe any debt to XXXX XXXX XXXX or Collection USA company. An amount of {$2900.00} was sold to Collection USA company and still trying to collect this not agreed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I thought I lost my device so I asked coinbase to temporarily lock my account I found it so I called them back a few hours later to unlock it now they wont answer my emails I cant get threw on the phone anymore its been 3 weeks please help me I have my life savings on there this isnt fair they just ignore me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX XXXX, I received an alert on my phone from Bank of America that my account was overdrawn. I looked and noticed that there was a double payment to XXXX. I called XXXX first and stated there was a double payment. They stated they only had the one payment I put on my debit card a week prior. I called BOA to file a claim.I received a temporary refund of the amount plus they refunded the overdraft fee. The man stated he could see there was 2 identical charges in the amount of {$170.00} a week apart. This was an issue that XXXX did not tell me about, but they had only received the XXXX payment. We filed the claim, and the representative stated he was going to email the documents to download, sign and email back. I never received them. A week later I received the documents with no real information in the paper I was to submit. I ended up checking the box that referred to my situation, signed the bottom, and mailed it back in with the main page with had my account number and the total to be refunded. Two weeks later, I once again received the same documentation, I did the same exact thing. On XX/XX/XXXX, I received another alert that my account was overdrawn in the amount of XXXX. They had gone in and took the money out again. I called BOA, and they began arguing with me telling me that I did not send the paperwork back in. I ended up going to the local branch, they printed out the paperwork, I signed it, which it did not look anything like the papers they sent me. They told me that it would be back in my account in 3-5 days. It is now been 1 day shy of a month, they are still giving me the run around. I have had some of their representatives call me a liar, and they are rude. All I want is my money back. They have given me now 4 different time frames in which I should have my money back. They are saying XXXX has it, XXXX says they do not. I have been a customer of BOA for 9 years now. I feel they need to better serve their customers. They are now telling me that if they money can not be found, I may lose my money. I am a single parent with a special needs son, I have to count for every penny I make. I work hard, and BOA either does not care about their customers or they are thieves and do not know what happened to my money I have now fallen behind on several bills because they are playing around with other peoples money. Now I fear they are going to close my account before I can get all my information for my sons SSI switched over. I have read many complaints and I am seeing that they are closing peoples accounts when they become too " Irrational ''. I also see that someone went in and changed my monthly statement so it does not reflect the 2 charges that were taken out. I prefer paperless so if they chose to go in and change things they can and do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-18 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-18 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 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:
I having problems with my someone using my identity and causing these negative accounts on my credit. this is very stressful and all I want is my like back please help me revolve this headache for me thank you

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 2019-07-18 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:
I having problems with my someone using my identity and causing these negative accounts on my credit. this is very stressful and all I want is my like back please help me revolve this headache for me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT AND I STRONGLY BELIEVE THAT EQUIFAX IS THE ONE WHO SOLD MY INFORMATION BECAUSE FOR MONTHS NOW I AM TRYING TO RESOLVE THIS WITH THEM AND THEY REFUSE TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT, ALONG WITH NOTARIZED AND ORIGINAL DOCUMENTS FROM THE CREDITOR DIRECTLY AND THEY STILL ARE NOT REMOVING THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. 

XXXX ACCOUNT # XXXX OPEN DATE XXXX IS NOT MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX  report both me and my wife delinquent for the month of XXXX. I reached out to them and asked that they issue a retraction to all 30 major credit reporting agencies. 

On XX/XX/XXXX I received an email from Experian stating that they have completed their investigation and sided with XXXX based on their recommendation not to change the status.. I tried to explain that the month of XXXX isn't completed and that they can not stated that I am 30 days delinquent. I was then told that there's nothing more I can do. 

XXXX is a subsidiary of XXXX XXXX. They have been previously sued for this same thing/ Misdated demand letters.

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