vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: TX

Complaint narrative:
I have asked them twice not to call me at work. 

They, " National Recovery Agency '' want me to blindly pay them {$100.00} on an invoice they will not validate. Using the Post Office,  mailings and telephones in a bullying fashion. 

Their company : National Recovery Agency XXXX XXXX XXXX XXXX PA XXXX Phone # 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 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2020, I made an online purchase for masks from XXXX for {$30.00} which was deducted from my Bank of America account. On XX/XX/2020, I noticed the {$30.00} debit on my account was followed by a {$.00} debit from XXXX as an international transaction fee. I emailed XXXX and they denied charging the {$.00} and advised that I check with my bank. 
On XX/XX/2020, I called Bank of America and spoke to XXXX who said that XXXX charged it. He said it was linked to the {$30.00} charge and a claim could not be filed on it. 
On XX/XX/2020, I spoke to XXXX supervisor, XXXX, who said Bank of America charged it and Bank of America charges 3 % on all international transactions. 
Since the charge shows from XXXX, why doesnt Bank of America show their name and why doesnt Bank of America notify their customers? I order online often and have never seen or heard of this charge. Is this legal?

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 2020-07-15 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: NV

Complaint narrative:
I had a deferred interest loan/card with XXXX XXXX  / XXXX XXXX XXXX - I paid account IN FULL - before it was due, and that balance was over 45 days ago. The company REFUSES to accurately report my balance to the credit bureau as {$0.00} balance. When calling, I am told the only option I have to report {$0.00} - which company verifies my balance is indeed {$0.00} is to CLOSE the account. In both instances - closing my account as well as FAILING to report my ACCURATE balance hurt my credit score and financial image. I want the account to be open, I may need a product using this company in the future. However, regardless, they have a duty to accurately report my balance to all 3 credit bureaus.

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 2020-07-15 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 provided a police report to remove a fraudulent auto loan that was reporting on my credit and it continues to be reporting even after providing all the needed paperwork. I was not aware of incident until recently when I had my credit report run to obtain a credit card. I was informed I had defaulted in my car loan account and was credit was denied. I tried to dispute it with the credit bureaus without any success.Today XX/XX/2019 I got a letter in the mail stating that I owed a very high unpaid balance on a car that was repo and sold by XXXX. This is not my car, i have not purchase a car thru XXXX in years, so I feel that someone is using my personal information to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My lender PHH Mortgage Services is not complying with the CARES Act. They are offering only a forebearance, and limit it to 3 months after which the entire backlog of payments is due in one lump sum. I am demanding my full 6 month ( or more ) forebearance provided for under the CARES Act, added on to the end of my loan with no additional fees or trickery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: BBVA FINANCIAL CORPORATION
State: NM

Complaint narrative:
So On XX/XX/2020 I decided to open a checking account with BBVA. I only wanted to open a checking account and be able to do online banking. Well, after the open account process was done. I tried to set up my online banking and it kept saying that there was an error with my password and my username. Once I submitted all my information it would say that my account needed to be submitted first by XXXX or something like that. After so many times trying with no luck. I decided to leave it alone for the day and call the next day in the morning. 
Since XXXX I have been on the phone with BBVA, first I spoke with XXXX, I explained my problem logging into online banking he wanted my social security number I told him I did not feel comfortable sharing that information, then he asked me more questions to verify my identity. 
After a while he was able to help me set up my online banking, and that is when I realized that I not only have a checking account but I also have a credit card with a balance already of {$2600.00} I was very shocked to see this and I asked XXXX he said it was probable something easy to fix he put me on hold for a while, after 45 minutes he said he needed to transfer me to another department. I spoke with XXXX which could not do anything about other that having me on line for more than 15 minutes when he said he needed to transfer my call to another department. Then XXXX was asking me questions and after a few minutes he said that unfortunately he couldn't do anything about it due to that account was already closed and sent out to Collection Agency and he was going to transfer me to them. 
I asked to speak with someone else in order to give me more information about this issue. 
I have never had a credit card with this bank, ever. 
How could I have a credit card with all this balance and no one could give me more information about it. 
He put me on hold for about 10 minutes and then he transfered me to another person. 
Shurle I think that was her name and she said that there is nothing they can do that I need to call the fraud number. 
She gave me a number that is not taking calls at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THE INDIVIDUAL WHO WAS ABLE TO OPEN THESE ACCOUNTS AND INQUIRIES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT FILE BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: FL

Complaint narrative:
When I received my free Experian credit report there was a charge-off in the amount of {$210.00}. from XXXX. I immediately filed a dispute w/ Experian as I had no knowledge of this account and certainly had not opened it. Three weeks later I received a reply stating the information had been verified as accurate. That is to say the account was really mine. When they " investigated '' obviously they took the word of credit-grantor w/o question. Had they bothered to do the most cursory investigation they would have found the address the creditor had used was over 400 mi. away from my current address and one I had not lived at for 15 yrs! Of course, it was impossible to speak to a real person at Experian as all the phone numbers were endless loops of voice prompts.

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 2020-07-15 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: GA

Complaint narrative:
continue dispute all credit agencies violated section 605A/605B fcra id fraud ... remove all outdated and fraud accounts " XXXX XXXX XXXX AND XXXX XXXX ... REMOVE FROM ALL 3 CREDIT REPORTS ... .OTHER CASE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AL

Complaint narrative:
I have contacted Enhance Recovery Col concerning a collections they have on my account, I have also tried to get this account verified through the credit agency and they have not provided me with an actual agreement, contract or identification for this account, I have a credit alert on my file that states I am victim of identity theft this file has been in place since 2015 this account states that you must call me at the listed number before issuing credit and this did not happen nor is this my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I had an unpaid balance. They keep calling me and my family members threatening to they are going to sue me, the police is going to my house and they they're going to call my employer speak with my supervisor and garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have provided a police report to remove a fraudulent auto loan that was reporting on my credit and it continues to be reporting even after providing all the needed paperwork. I was not aware of incident until recently when I had my credit report run to obtain a credit card. I was informed I had defaulted in my car loan account and was credit was denied. I tried to dispute it with the credit bureaus without any success.Today XX/XX/2019 I got a letter in the mail stating that I owed a very high unpaid balance on a car that was repo and sold by XXXX. This is not my car, i have not purchase a car thru XXXX in years, so I feel that someone is using my personal information to obtain credit

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 2020-07-15 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: GA

Complaint narrative:
continue dispute all credit agencies violated section 605A/605B fcra id fraud ... remove all outdated and fraud accounts " XXXX XXXX XXXX AND XXXX XXXX ... REMOVE FROM ALL 3 CREDIT REPORTS ... .OTHER CASE # 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 2020-07-15 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: GA

Complaint narrative:
continue dispute all credit agencies violated section 605A/605B fcra id fraud ... remove all outdated and fraud accounts " XXXX XXXX XXXX AND XXXX XXXX ... REMOVE FROM ALL 3 CREDIT REPORTS ... .OTHER CASE # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I was the victim of the Equifax data breach. I never received compensation for their inability to keep my data secure. Because of the data breach Equifax continues to list my name incorrectly despite repeated dispute attempts whereby I provide my driver 's license as proof. I have done this twice. The name that they have listed was NEVER my name and they refuse to replace this name with my correct legal name. This is disabling me financially and costing me thousands of dollars in high interest. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: MI

Complaint narrative:
I have a " potentially negative '' report on my credit report that I have tried to dispute multiple times now and it keeps popping back up. I have contacted XXXX XXXX  XXXX and they assure me the account is paid in full and closed. Yet after each dispute it comes back onto my report. I am trying to secure a mortgage and do NOT need a loan I paid off continually popping up as negative. This is wrong and illegal and harming my credit. Two years now this has been on my 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 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I contacted Quicken Loans to inquire about refinancing as I heard interest rates were very low during Covid19. Initially I was told they refinance the loan at 2 % less than my current interest rate. The required pulling my Credit and stated I would get a copy of the credit report, which DID NOT HAPPEN ... ... After submitting my financials, ( XXXX XXXX ) Quicken representative called me back and stated due to some sort of crazy NC Law, they could only lower by .75 %. I questioned if that would actually be saving anything and she stated including closing costs, it would save {$2300.00} long term and THEY WOULD REMOVE THE PMI MORTGAGE INSURANCE WITH OUT NEEDING ANY APPRAISAL. Mrs. XXXX stated by their comps in the area, the homes value would easily be above 20 % equity vs {$72000.00} currently owed on existing mortgage. After reviewing my 2019 tax return and business profit & loss statement, she felt the refinance should go through underwriting with no problem. I recieved a call from another member of the underwriting team 7-10 days later stating that they need another profit loss statement and additional tax forms from the 2019 filing. When I inquired why additional paperwork was needed, He stated it was almost impossible for SELF EMPLOYED Individuals to get approved for new loans or refinance due to the Covid19 Financial Crisis. At this point I felt the cards were obviously stacked against me, I asked the underwriter to stop the refinance and just take the PMI Mortgage Insurance off my current loan which I feel saves much more than {$2300.00} LONG TERM ... ... He directed me to go online to apply for PMI removal. When I logged into my account, I was pleased to see their website showed my outstanding loan {$72000.00} was well with in their guidelines to have the PMI removed. *** NOW I AM BEING TOLD I AN APPRAISAL IS REQUIRED BEFORE THEY WILL REMOVE PMI AND I MUST USE THEIR APPRAISER FOR A COST OF {$150.00}. * I feel it is fraudulent and misleading for Quicken to allow removal of the PMI if I take on the additional costs of letting them refinance the loan ( $ XXXX ) but they are unwilling to remove the PMI from original loan unless I Pay for an appraisal. It makes no sense that Quicken would be willing to remove the PMI no questions asked during a REFINANCE SITUATION because they state they already agree the homes value exceeds the PMI requirements, but when it comes to removing the PMI from the current loan I have with their company, they are stalling by requiring appraisal by their team member. I have always paid ahead on my mortgage, never missed a payment and have a XXXX  credit score. Until this transaction, I felt I was dealing with an upstanding company, having them try to take advantage of me because they could not make additional fees refinancing has made me reevaluate companies credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
I was informed by XXXX and XXXX on XX/XX/XXXX of a change to my credit file and because I have an account with them I logged in and was made aware that I have an outstanding debt with XXXX XXXX in the amount of {$1800.00}. This account was opened in XXXX of XXXX. I have never had XXXX XXXX and contacted the debt collection company that this debt is owned by, XXXX XXXX XXXX yesterday XX/XX/XXXX to let them know this account is not mine and that it is fraud, and that I would like it immediately removed from my credit report. They informed me I would receive a fraud package in the mail in 2-3 weeks and that I would need to contact the credit reporting agency to let them know it is fraudulent because they do not deal with this type of thing. I have since tried to dispute this account on my credit report 2 times and XXXX  continues to claim this debt is mine, when it is not. This account previously showed up on my credit report with another collection agency named XXXX XXXX XXXX in XXXX of XXXX and I disputed it because it was not my account and it was removed from my credit report. I am not sure why this keeps popping back up on my credit report, but it is not mine. I have also disputed this with XXXX, but have yet to hear back. Please resolve this issue because it is negatively impacting my credit score and should NOT be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
I filed my annual Public Service Loan Forgiveness certification. Despite the period for certification being XX/XX/XXXX through XX/XX/XXXX and payments being on autopay but for the CARES act period, my fedloan only has certified 9 qualifying payments when it should show at least 12 qualifying payments. Their letter does not even mention the CARES act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
In XXXX when I moved to XXXX  from XXXXdue to my job I bought a house, right after I applied for a mortgage a debt appeared on my credit report from an emergency in XXXX, which was paid fully ( I have a good insurance and made all my o-pays etc ... ) nonethe less since I was in middle of buying a house my mortgage company sent a check to phoenix financial and added it to my mortgage and I was OK with that as moving was complicated enough and I did not want to deal with things. 
Now I am refinancing my house same company Phoenix Financial appeared on my credt report 2 days after my refinance application. They stated a debt from XXXX ( 7 yeats ago ) this time I called asked for original invoice from medical group they said they will provide it if I give my ss number and I ewas XXXX  to provide the number, they sent me an invoice with their name. The credit report stated XXXX XXXX XXXX XXXX. So I tried to call them but they do not exist, none of the accounting office could verify I had a debt. I disputed to charges, still under investigation but when investigation started Phoenix Financial changed the name of creditor from XXXX XXXX  XXXX XXXX to XXXX XXXX XXXX, which also does not exist. And they changed type of debt from attorney fees to medical In the mean time my credit score went down, my refiance terms tuned out to be worse than my original finance and Phoenix financial refuses to provide the references regarding original debt, if I have that I can go through my health insurance statements and see what is going on. 
Can you please help, I am a har working single XXXX year old voman, lost my fiance two years ago and am trying to go on with rest of my life. Phoenix fiancial already has taken XXXX dollars and something during my last home purchase and they are just preying on my situation. 
Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation