vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: CA

Complaint narrative:
My father had a XXXX  cell phone account with my mother, I was not on this account and was not an authorized person on this account. My father died of XXXX on XX/XX/2020. My mother and I both tried to close my father 's account and pay out many times in XXXX, XXXX and XXXX. We each called t least three times and the call would drop or they told my mom a manager would call her back at least twice, and no one did. I went in person and they said I can not close the deceased line because I can't prove they are deceased and I am not on the account and therefore can not make changes. What they did decide to do is put the account in collections in XXXX and assign the collections to me. So somehow I was unable to provide a death certificate to close the account because I was not an authorized user but I was close enough to have the collections placed on my records. How abusive is this to not provide a method to close the account of deceased people during a worldwide pandemic. How starved is this corporation for my deceased father 's {$120.00} for a phone bill they refused to help close, after his death. I can not express how difficult it was to burry my father in a raging pandemic and then come home to deal with a collections account on my record for his phone bill. All other accounts I needed to clean up on his behalf allowed me or my mother a path to close the accounts, show death certificate and pay out but not XXXX They wanted to bill my dad for phone usage after his death. I am happy to provide his grave details, where they can dig for his wallet to secure the {$120.00} they are attempting to collect. I have filled many complaints via XXXX XXXX but the collections is still listed and I would like to report XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage refinanced my loan in XX/XX/XXXX which I had with them. Unknown to me, post closing Freedom Mortgage did not create a new escrow account for the new loan. Freedom Mortgage instead overpaid ( multiple times ) payments to my insurance and taxing entities, then attributed the over payment as a loss to me via the finally created new escrow account to the tune of ~ {$11000.00} dollars. I was not notified of any of this during the time it was occurring in XX/XX/XXXX. 

In XX/XX/XXXX during escrow calculation period, I received an escrow shortfall bill for XXXX. I have not missed a payment, my insurance and property taxes actually were reduced during that period of XX/XX/XXXX to XX/XX/XXXX, so it was unclear how an ~ {$11000.00} escrow shortfall occurred and Freedom Mortgage offered no solutions. 

Freedom mortgage 's solution was to make me repay the ~ {$11000.00} shortfall to them by spreading the amount over 3yrs, an additional {$130.00} added to my mortgage payment. Since XX/XX/XXXX ( 4 months ) I have spoken to 13-16 different Freedom Mortgage employees in : Customer Service XXXX Tax, Insurance, Issue Escalation - only to get passed around from dept to dept. It seems no one wants to take ownership of the issue through to resolution. 

This entire ordeal of the cover-up of the non-escrow account creation, miscalculation and overpayment by Freedom Mortgage 's poor record/account keeping and QC'ing has put me under extreme psychological burden and caused my family unnecessary financial hardships of which seems like there is no resolution.

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 2022-04-14 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: NC

Complaint narrative:
I HAVE SENT A DISPUTE TO XXXX  AND EXPERIAN AND WAS NEVER TREATED AS A VCITIM OF IDENTITY THEFT. THEY DID NOT HELP ME AND HUNG UP ON ME MULTIPLE TIMES AFTER FOLLOWING THE FCRA SEC 605B 15USC LAWS

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
IN REVIEWING MY CREDIT REPORT FROM TRANSUNION AND XXXX, I FOUND UNAUTHORIZED ACCOUNTS AND INQUIRIES. I MADE NUMEROUS ATTEMPTS TO RESOLVING THIS MATTER AND NO SUCCESS. THESE ACCOUNTS DOESN'T BELONG TO ME AND I NEED THIS 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 non-monetary relief
Consumer complaint received 2022-04-14 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: TX

Complaint narrative:
Hello, I reviewed my credit report and saw an unknown medical bill on my account reporting TWICE ( XXXX XXXX XXXX XXXX XXXX  )!! I found that strange since I have medical insurance to cover all copays. Also, it's illegal to report an account twice. This is impacting my credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: TX

Complaint narrative:
XXXX credit systems added a debt to my credit report today. I called them provided my social and name and no one could find an account. I tried to dispute via experian and system gave errors. Account number XXXX XXXX XXXX I dont have any delinquent accounts. This is now going to appear as if i have had a delinquent account as part of my history.

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 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I am sick of writing these complaints! 

I contact XXXX almost every month, I set up auto pay and they continue to decline the payments and remove the auto pay action off my account. It then makes me late and get charged a late fee which they make me responsible for and lower my credit line because their algorithm thinks I can't make payments. I AM SO UPSET!! 

This has happened far too often and am getting angry, I am currently working with XXXX XXXX and XXXX XXXX at our local newsroom and am creating a story regarding the false reality FNBO is setting for its consumers. 

You guys are scamming me with late fees, reducing down my credit line and pretending I don't have auto pay setup when I've set it up 4 times and have bank statements showing I've submitted payments. 

XXXX XXXX XXXX XXXX XXXX has provided " Proof of Payments '' I've sent to XXXX who's claiming THEY NEVER GOT PAID!!!

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 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Between XX/XX/2022 to XX/XX/2022, a CitiCard Advantage Credit Card was opened in my name. This also resulted in a credit transfer. The transfer amount was undisclosed by Citicard. Citicard stated my personal information and address was sued in this account. Citicard has began an investigation and has closed the fraudulent account. They will follow up with me by letter with a few week.

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 2022-04-14 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: TX

Complaint narrative:
This is a formal complaint against TransUnion Consumer Solutions located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion Consumer Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-04-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Solicitations and damaging remarks on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Solicitations and damaging remarks on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
NAVY FEDERAL CR UNION Date opened XX/XX/2019 Amount {$22000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mortgage was transfered from XXXX to PHH Mortgage in XX/XX/2022. I received my first stmt on XX/XX/XXXX with an additional charge of {$30.00} for a " pay off '' quote fee. Well, i never requested a pay off quote and i never consented to being charge a payoff quote to transfer my mortgage to another servicer. 

I contacted PHH customer care about this charge and was told i had to pay it as part of the mortgage transfer. This is STUPIDLY INSANE!! Why would i be responsible for the cost of PHH business operations??? 

My monthly payment with XXXX was {$3800.00} and that contractual amount MUST be the same with this crazy PHH Mortgage servicing company. I will not pay any charges and any negative reporting on my credit will be met with swift litigation on this absurdity of a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: CO

Complaint narrative:
Someone named XXXX XXXX stole my birth certificate and social security card a couple years ago and has been trying to open accounts. He lives at XXXX XXXX XXXX in XXXX XXXX az XXXX and is using this address as my current address which is invalid.

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 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have a credit card with Bank of America. I made two back to back payments on XX/XX/XXXX and XX/XX/XXXX of 2021. My bank and I have proof that I made these payments. After hours and hours of talking to them and sending documents that I made these two payments they refuse to acknowledge that I made two and they say I only paid one. My bank reimbursed me one of the payments of {$200.00}. I paid off my credit card with Bank of America. Now they tell me I still owe them {$200.00}. They are charging me interest. It is affecting my credit. I am at a loss of what to do. Can you 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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It pertains to transition and the dark patterns.

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 2022-04-14 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:
Hello, I reviewed my credit report and saw an unknown medical bill on my account reporting TWICE ( XXXX XXXX XXXX XXXX XXXX )!! I found that strange since I have medical insurance to cover all copays. Also, it's illegal to report an account twice. This is impacting my credit health

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 2022-04-14 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/2022 my Citi Rewards account was reported 30 days late and was past due of {$1400.00}. I spoke with a representative on the phone although they were very nice, I wasn't able to get assistance in this situation. Due to being in the hospital for health reasons I was unable to make my payment as I usually have since being a member. Once I returned home and got back on my feet my account was 36 days past due, but I was able to get ahold of a representative and make a payment of {$3000.00} to show good faith on paying my balance.

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 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I am an XXXX XXXX military member, and am verified in the Military Lending Act database as an XXXX XXXX military member. I opened XXXX cards ( American Express XXXX, Gold, and Blue Cash Preferred ) under the pretext that I would be granted MLA benefits including waiving the annual fee for all three of these cards. Annually, the fee for the XXXX card was increased from {$550.00} to {$690.00}, the XXXX card is {$250.00}, and the XXXX XXXX XXXX card is {$95.00}. I am now being charged {$1000.00} annual for these cards while being eligible for these fees to be waived. 

An automatic inquiry is opened to determine SCRA/MLA benefits when the card is opened. That report came back stating I was ineligible for both. It is true that I am ineligible for SCRA benefits since I opened these cards while on XXXX XXXX, but I am eligible for MLA benefits. 

After learning I was denied, I submitted another dispute the same month that the cards were opened, XX/XX/XXXX. That came back saying I was denied again with no reasoning articulated. 

I called and talked to representatives. They told me to submit again. I did in XX/XX/XXXX and was denied again with no reasoning articulated. 

I repeated this process three or fouXXXX more times, with the latest being this month -- XX/XX/XXXX, and was denied again each time. 

I called American Express numerous times to try to resolve this. Most times I was told there was nothing they could do and it was an internal branch of the company with no direct contact with customers. I just wanted an explanation as to why I was denied. 

Once I worked with a representative who was convinced I was right in my claim that I was eligible for MLA benefits. She was so convinced that she herself refunded me one annual fee for the XXXX card through her supervisor and then sent up a complaint the the MLA team. She told me that they said that I was ineligible because the benefit wasn't applied to my account within 18 months of account opening, even though I have been trying to secure these benefits since the month that I opened them. She was still convinced I was eligible and promised to keep working with me and the MLA team to find a solution. We had email correspondence but eventually she completed stopped replying to my emails and I haven't heard from here in about a month. 

I want the MLA benefits that I am entitled to applied to my account, but the bureaucracy of the MLA team is getting in the way of finding a solution. I have tried numerous times over the course of two years to sort this out through American Express and have gotten absolutely nowhere. I am wrongfully being denied MLA benefits that I am entitled to as an XXXX XXXX service member.

Company response to consumer: Closed with explanation