vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a loan with a company by the name of XXXX XXXX, in XXXX, California. 
Their shady and legal business practices include but are not limited to, calling references and revealing what the nature of their call is, calling work place multiple times, etc. 

I included this loan in my Federal Bankruptcy, that was charged off fall of last year. 
This file and loan was to be reported to {$0.00}, which it eventually was. 
They edited my file this week to show the account is open and listed payments deferred due to natural disaster-COVID19. I called and informed them legally this cant happen, the loan was discharged about inquired why theyre fixing their books to show more loans than they have to qualify for covid assistance from the government and I was told to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: CA

Complaint narrative:
I had a loan with a company by the name of XXXX XXXX, in XXXX, California. 
Their shady and legal business practices include but are not limited to, calling references and revealing what the nature of their call is, calling work place multiple times, etc. 

I included this loan in my Federal Bankruptcy, that was charged off fall of last year. 
This file and loan was to be reported to {$0.00}, which it eventually was. 
They edited my file this week to show the account is open and listed payments deferred due to natural disaster-COVID19. I called and informed them legally this cant happen, the loan was discharged about inquired why theyre fixing their books to show more loans than they have to qualify for covid assistance from the government and I was told to prove it.

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 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BYL Collection Services
State: TX

Complaint narrative:
I was recently told I owed a debt for about XXXX XXXX that has followed me since 2016, I recently resolved it and would like documentation showing that it has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
XXXX XXXX XXXX ( " XXXX XXXX ) is attempting to collect a debt that I do not owe. XXXX placed a negative inquiry on my Experian credit report alleging I owe funds to XXXX XXXX XXXX. XXXX  XXXX XXXX is not licensed in the State of Maine. XXXX XXXX XXXX attempted to contract a loan with me through fraudulent means. 

I contacted Experian in XXXX and disputed the debt however it remains 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 2020-07-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
Hello, during the beginning months of COVID-19, the XXXX  I worked at as a XXXX  closed ( around the first or second week of XXXX ). My employer filed an unemployment claim, swiftly, on behalf of each of my coworkers, including myself. I didnt receive unemployment for two weeks and decided to begin taking action ( I didnt call earlier because lines were busy and the GDOL was overwhelmed with all of the workers needing unemployment and I was able to move in with my parents during this time to help with expenses ). However, I was still unable to get in touch with someone who could help me claim my unemployment benefits. I received about 6 or 7 UI Benefit papers over the next month explaining how the process works/that I would soon receive other information to set up an account and receive my benefits. I believe it was the end of XX/XX/XXXX/beginning of XXXX when I finally received a paper explaining that I had serval options for receiving my benefits, including a prepaid card, direct deposit, etc. Around XX/XX/XXXX my employers opened our XXXX  up for XXXX  only and I began receiving paychecks again. I looked online/set up an account for UI benefits but couldnt find a record of payments to a card or my account. I decided to take another look this past week ( XX/XX/XXXX ) and saw that there were payments to a prepaid card but never received a card. I understand how hard the GDOL has been working to meet everyones needs and I realize the mass amount of people trying to get their benefits. All that I need now, is to receive my prepaid card that was never sent ( as far as I have seen ) with the papers I was sent about the payment and card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: IL

Complaint narrative:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX  XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX  XXXX XXXX My name is XXXX XXXX XXXX My phone number is ( 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 explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
I opened a 1 year CD with BBVA and received my notice that my account was expiring. The notice gave me two options : 1 ) Do nothing and the account would auto renew. 2 ) check the box and have the account renew. There was no option to receive my money. I called the bank and they said I had to send a letter. I followed their directions exactly and never received my money. The account rolled over to a new CD. I checked on line and this bank receives very bad ratings for this exact issue. I have never experienced such a runaround with any bank I have dealt with. I left my money in the account for 1 year as we agreed. I should be able to get my money as I requested via phone and via the letter I sent via US mail. The amount of my initial deposit was {$26000.00}. My account value is now {$26000.00}. My CD expired on XX/XX/2020. I called and sent the letter approximately 3 weeks before expiration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX company has been trying to collect a debt on behalf of American Express. They call at least 9 times a day. 4-5 times on my home phone and 4-5 times on my cell phone. They call before XXXX XXXX  and after XXXX XXXX. They call on weekends and holidays. They called at XXXX XXXX  on XXXX XXXX XXXX. I have asked them to stop calling me, that I have disputed the amount of the debt, that I worked it out with Amex and am on a payment plan and they do not stop calling. The last person to call was XXXX XXXX. She refused to listen to me in any way. The men who call are abusive and shout at me. As soon as I block one number, they call from another number. This is so abusive. This needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation
State: GA

Complaint narrative:
We closed last Thursday, got the clear to close, closing disclosure, everything. At the closing table the buyers wire hadnt cleared yet, he showed proof. They wanted to wire me my profit. I felt hesitant but did it anyways. Was told the money would be in my account by the end of that day. Turns out there was a condition on the loan. Here it is a week later. Ive been given the run around since closing. The processor quit the day before closing and they allowed us to close without making sure everything was fine on their end. So my house is still in my name, the buyer is living there for free, my home has had no insurance since we closed. And the funds still havent been approved/distributed. This is absolutely ridiculous. They made a mistake on their end and it should have been fixed Monday! This is so unprofessional and has had caused so much stress and if not resolved I will be getting a lawyer. They need to fix this, I dont care what they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
On XX/XX/2020, I contacted my mortgage servicer, Rushmore Loan Management Services as they increased my monthly payment by {$100.00}. The customer service representative XXXX, indicated to me that the increase was due to an escrow shortage. This is the second time in 14 months that Rushmore has increased my payment due to a claiming an escrow shortage. My county taxes and home owners insurance has NOT increased in that time period, the previous increase in payment to cover an escrow shortage would cover current taxes as again, they have not increased, the {$100.00} per month increase annualized is {$1200.00} which is 50 % of my county taxes ( an impossible account shortage ), Rushmore is charging a {$65.00} " Recoverable Advance '' for non-escrow related expenses but will not provide what those expenses are. I requested an audit of my escrow account, Rushmore refused and when I asked to speak with a supervisor, they hung up. It is clear that due to liquidity crunches in the mortgage servicing space, Rushmore is illegally billing current customers in an attempt to collect unjustified expenses. Further, I have not received prior or current notification of any kind, regarding an escrow increase as is required by statute. Rushmore refuses to perform an escrow audit, justify these increases and expenses and as well, is in violation of CFPB and California State Regulations. I request a full audit of my escrow account, Rushmore Loan Management Services practices and a remedy to my monthly payment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I opened an account with the Bank of America on XX/XX/20 during COVID-19. After losing my job due to the pandemic, I immediately changed my unemployment payment to be deposited into this account. On XX/XX/20 I logged into my mobile banking account and noticed a hold, immediately I went to the branch, were I was advised they would not close the account as I was able to provide proof of identity. The following day on XX/XX/20 I was advised that my account would have to be closed because the branch agent " did not do her job '', and in order to receive the funds, myself and my spouse would need to go to a branch so a cashiers check could be issued for the amount, and nothing would be done to close the account until that day. On XX/XX/20 we entered a branch only to be advised that the account had been scheduled to be closed on XX/XX/20 and a check would be issued and they would not be able to assist us at the branch. We were then advised to allow 10 business days from the XXXX for the check to be received by mail. After not receiving the check during the advised time ; On XX/XX/20 I called again and spoke with several customer service agents before being directed to the risk closure department for assistance. That same day I spoke with a gentlemen who advised me to give it an additional 2 days to receive the check because if they cancelled the check I would then have to begin the process from the start and it could take longer. He advised if I don't receive it in the following two days I can call back and give my new address and they would reissue a check that same day ( had to move back home because once again we are in a pandemic and I am unemployed ). Today XX/XX/20 I call back and am told they are unable to reissue a check. I have to allow them 90 days ( until XXXX ) to give me money I desperately need because again, we are in a pandemic that caused me to lose my job. Everyone is unwilling to help or come up with a reasonable solution. I have been waiting for these funds for nearly a month now.

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 2020-07-08 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Received email about purchase at Best Buy. Was aware that had not made a purchase and went online and verified that 2 purchases were made with one being sent to XXXX area and I live in XXXX. Online showed purchase with My Best Buy Visa, which I did not apply for or own previously. 

Called Best Buy and they claimed they could not stop shipment of product even though it had not shipped. Inquired about CC and they advised they can not access any XXXX  information at BB and have no information as only Citibank has information. Asked to speak to their Citibank Rep and was forwarded.

Citibank Rep could not find a XXXX  unless I had the XXXX  number which no one can provide or my SSN. S
SN search did not turn up XXXX. Rep could not provide any infomation or help beyond. Told me to contact next week as it was XXXX XXXX and services where limited due to Holiday weekend. Called back Best Buy and got the same information as before as they could not help. 


Started process again on XXXX XXXX by calling Best Buy. Wanted whole story over again as last calls had no created a case file and there was no information about previous call in. Asked to speak to Supervisor and was told I would need to wait for a return call. 

Froze all my accounts as I have no idea at this point as to what is happening and what has been exposed. 

Called Best Buy back after 3 hours. Agent claimed there was nothing she could do and could not or would not escalate my call request. Finally got a case number, by can not get a copy for police report or any other reason and I am in some BB system of which she seems to not have knowledge or access. Can not get policy on what happens to report or if I will be contacted. She claims to be very knowable of BB policy, but claims NO ONE in Best Buy can help with XXXX  information.

Asked to be forward to their Citibank department and got forwarded somewhere. Started to explain again the issue to someone and got forwarded without my knowledge back to BB? No one picked up and was disconnected.

I seem to to be stuck. No one in BB or Citiban
k can seem to find the XXXX  that is supposedly in my name as no one can access such information. Very frustrating and unbelievable at the moment.

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 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I have a loan with One Main which is a personal loan. We reached a permanent agreement to repay this loan at a lower interest rate and payment. This was one year ago. Since then, I have not been late to the day. It has been taken out of my bank account. Friday the accounts manager left a threatening phone message, She said I was behind on my payments. This is not true. I have proof. I called back and was told the payment was due on a different date than agreed one year earlier and if I was one day behind, I have to pay more. They are trying to breach the agreement and threaten me. I am XXXX XXXX XXXX, lost my job due to the virus ( XXXX XXXX ), very XXXX and XXXX XXXX XXXX. I have had a XXXX XXXX. They just made fun of me. I was very angry and upset and had to be seen by my doctor. They just want more money. I have completely complied with the agreement and they have taken out the money on the same date for one year. Please stop them from upsetting me. I have done everything they agreed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SunTx Capital Partners
State: MA

Complaint narrative:
I checked my report and I saw an auto loan under FREEDOM TRUCK FINANCE FOR {$15.00} XXXX. I am shocked because I have never asked or financed a truck from them. Never in my wildest dreams to finance a truck be bound to them. I worked for them but that is it.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-08 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: GA

Complaint narrative:
There are several items reporting inaccurately on my credit file. Please remove the following items : Incorrect Personal Information : Address : XXXX XXXX XXXX ( XXXX XXXX  Address : XXXX XXXX XXXX ( XXXX XXXX  Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX ( Equifax ) I was never late ( 30, 60, 90, or 120 days ) on the following accounts : XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$500.00} ( XXXX & Equifax ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$19000.00} ( XXXX, Equifax, XXXX ) The following account is the result of Identity Theft : XXXX/XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( EQUIFAX ) ; Bal : {$0.00} XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX & Equifax ) XXXX/XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$2200.00} ( XXXX & Equifax ) XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( EQUIFAX ) Bal : {$0.00} XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX & Equifax ) ; Bal : {$0.00} XXXX - XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$2800.00} XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$130.00} XXXX XXXX - XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$260.00} ( XXXX ) XXXX XXXX - XXXX Bank - Date Opened : XX/XX/XXXX ; Bal : {$260.00} The following are unauthorized Inquiries : CreditPlus ( 6 times ) Equifax ( 2 Times ) ; XXXX ( 2 Times ) ; XXXX ( 2 Times ) XXXX/XXXX ( EQUIFAX ) XXXX XXXX ( XXXX ) XXXX/XXXX ( 2 TIMES -XXXX ) XXXX XXXX ( XXXX ) XXXX/XXXX XXXX ( XXXX  ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several items reporting inaccurately on my credit file. Please remove the following items : Incorrect Personal Information : Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX ) I was never late ( 30, 60, 90, or 120 days ) on the following accounts : XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$500.00} ( XXXX XXXX XXXX ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$19000.00} ( XXXX, XXXX, Experian ) The following account is the result of Identity Theft : XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$0.00} XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( Experian & XXXX ) XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$2200.00} ( Experian & XXXX ) XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) Bal : {$0.00} XXXX XXXX  XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian & XXXX ) ; Bal : {$0.00} XXXX - XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) ; Bal : {$2800.00} XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian XXXX ; Bal : {$130.00} XXXX XXXX - XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$260.00} ( XXXX ) XXXX XXXX - XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$260.00} The following are unauthorized Inquiries : XXXX  ( 6 times ) XXXX  ( 2 Times ) ; XXXX ( 2 Times ) ; Experian ( 2 Times ) XXXX ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX   ( 2 TIMES -XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( EXPERIAN ) XXXX XXXX XXXX XXXX  ( EXPERIAN )

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