vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 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:
New address : XXXX XXXX XXXX XXXX XXXX old XXXX XXXX XXXX XXXX XXXX fl XXXX ftc violations listed : XXXX/XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$3700.00} Term -- Monthly Payment {$140.00} Responsibility Individual Balance {$4200.00} Highest Balance {$4200.00} XX/XX/XXXX Account Type Flexible Spending Credit Card Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$3000.00} Term -- Monthly Payment {$120.00} Responsibility Authorized User Balance {$2900.00} Highest Balance {$3300.00} Payment Status 30-59 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$210.00} Times 30/60/90 Days Late 1/0/0 XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$110.00} High Balance {$110.00} Remarks --

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I have been trying to straighten this out since XXXX. Homeowner insurance and flood insurance was obtained by NewRez in error. Money has been taken out the escrow account and paid to insurance company. I was told that the issue would be resolved within 48 hours first on XX/XX/XXXX and most recently on XX/XX/XXXX and as of today still no resolution. NewRez sent letter requesting proof of insurance in XXXX. We provided proof of insurance 3 times ( once by fax XX/XX/XXXX and 2X via email ). XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. It has been confirmed that this proof was received. And this problem is still unresolved. Homeowners and Flood insurance was obtained by lender in error as we already had insurance ( liability insurance - house was demolished after superstorm XXXX also provided proof of this ) and provided them proof. Money was taken out of our escrow on XX/XX/XXXX {$730.00} and {$78.00} and again on XX/XX/XXXX {$140.00} & {$14.00}. I rec 'd letter form NewRez stating that insurance was canceled on XX/XX/XXXX. This money needs to be refunded. There is one more payment due on this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN FINANCING CORPORATION
State: CO

Complaint narrative:
I applied to refinance my existing mortgage on XX/XX/2020 with American Financing. Before applying to refinance I had an extremely good credit score above 750 so being approved for the refi was not anticipated to be a problem. After working with one of their loan processors to submit all of the requested info from employment history, tax returns, pay stubs, and more, I did not hear from American Financing for 2 weeks. Then after requesting an update via phone I  was told that I am now pre-approved and then moved into " conditionally approved '' status. I was told by the loan processor that everything looks good and they should have what they need. My income level, company I'm working for, and pay structure stayed consistent throughout the process. Then, American Financing " disappeared '' from XX/XX/2020 to finally making contact with me again on XX/XX/2020. I left multiple messages during this time period for XXXX, my original loan processor to call me back and update me as I have not heard anything, and my closing date listed on the American Financing portal had come and went, twice. A nice lady named XXXX finally made contact and said she is " taking over '' my loan on XX/XX/XXXX. She requested a few extra documents which I provided quickly, and then, 2 days before scheduled closing on XX/XX/2020 I received a call from a different American Financing employee named XXXX saying I was no longer approved because " the way I am paid changed ''. Again, nothing had changed throughout this entire process. I am a truck driver that is paid by miles and stops, with XXXX miles guaranteed weekly by my company. That was consistent from application to " conditional approval '' to denial. Yet they alleged that my pay structure changed and used that as a reason for the denial, after " losing '' my file for 1.5 months. This company hit my credit, was irresponsible with my information, led me to believe there were no problems, disappeared for 1.5 months, then told me I was denied my refinance 2 days before scheduled closing. They were unprofessional and seemingly reckless with my information. I made some personal financial decisions based on the conditional approval and after being led to believe there were " no issues '' with my refi. Would never recommend anyone do business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I like to use trading apps like XXXX and XXXX but they use systems like XXXX to link your bank to the apps and currently PNC. Does not permit it, and its restricting my ability to invest and grow a portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: ID

Complaint narrative:
I am currently on a forbearance plan with Shellpoint Mortgage Servicing. On XX/XX/2020 they took a payment out of my checking account for the amount of {$1300.00}. According to the forbearance conditions they are not supposed to pull payments unless I set them up. My wife contacted them and was told they would return the funds no later than the XX/XX/2020, which they have not done. They also discribed that they would not be returning the full amount. I have tried to contact them multiple times to get my funds returned and now the customer service line disconnects me whenever I ask to speak to a representative. There have been multiple occasions where I have tried to contact this company and they hang up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: MA

Complaint narrative:
With the complexity our credit interacts with our lives today I find Experian 's practices unorthodox. Being a XXXX veteran my income is on the low side so I keep track of my credit score regularly. XXXX and XXXX   are readily available and I hover around 740- 750. My fico is XXXX. On several occasions now creditors have used Experian and they are always 20 -50 points lower. They access the same info and yet they are lower. They are now advertising " Experian Boost '', Join their service and get your score bumped up as much as 20 points. To join they ask for personal info I find over the top and non of their business.Seems to me they are holding your score and reported score hostage to fill their need.

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 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: WI

Complaint narrative:
Submitted online application to XXXX for small business checking on Monday XX/XX/2020, with all necessary documents including federal EIN. Crickets. Not a single email after the initial receipt. Friday I logged in again, looked for some sort of contact info, found none ( which is super sketchy ), and was prompted by the website to take a " survey '' to which I responded it was sketchy not to give a solid estimate of application turnaround or a way of contacting them about the application. Immediately after submitting the survey, I received an email saying " we are reviewing your application. '' A couple hours later, application rejected, with no explanation or offer to provide explanation. Very obviously due to my critical review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
This debt was paid in full so can you please remove from credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: CA

Complaint narrative:
Experian refuses to give me a credit score would not list my new credit cards XXXX, XXXX XXXX, XXXX and XXXX XXXX. 

I would like this matter resolved in 30 days or I will file a federal court action.

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 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On my XXXX credit report dated XX/XX/XXXX I have 3 collections accounts as follows XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$970.00} Balance updated XX/XX/XXXX.... 

XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$66.00} Balance updated XX/XX/XXXX None of these accounts are listed as medical debt, they are listed as collections, XXXX XXXX usa is listed as a charge off account and on transunion credit report has the account listed as a profit/loss writeoff

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 2020-07-10 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: MO

Complaint narrative:
On my XXXX credit report dated XX/XX/XXXX I have 3 collections accounts as follows XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} Balance updated XX/XX/XXXX .... 

XXXX, XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX BILLING {$66.00} Balance updated XX/XX/XXXX None of these accounts are listed as medical debt, they are listed as collections, XXXX XXXX usa is listed as a charge off account and on XXXX credit report has the account listed as a profit/loss writeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My trouble is with my Bloomingdales credit card which is issued by the Department Stores National Bank. Here is what happened. 

When I paid my XX/XX/XXXX bill, I thought I paid in full. I paid online, and chose the " balance due '' option. 

However, apparently, I was charged interest for an extra day or so. This amount was under XXXX dollars ( the bank rounds up any charges to XXXX dollars ). 

I did not get a statement showing I owed money. 

On XX/XX/XXXX, I made another purchase. 

On XX/XX/XXXX, my father went into hospice and died two weeks later. I received a note from Bloomingdales that my account was past due as of XX/XX/XXXX. On XX/XX/XXXX, I paid the balance due. On XX/XX/XXXX, Bloomingdales reversed the late fee they charged because I have an excellent payment history ( my credit score is in the low 800s ). 

However, Bloomingdales put a 60 day late charge on my credit report because of the XXXX dollar charge from XXXX that I was unaware that I had. 

I tried calling Bloomingdales and the woman was very rude and told me I was at fault. I asked for a supervisor to investigate. I also asked XX/XX/XXXX to investigate. 

The charge was not removed. I contacted Bloomingdales credit again in XX/XX/XXXX, after I had been rejected for a student loan because of the 60 day late payment record on my report. Bloomingdales put me through to a supervisor who said there was nothing he could do and advised I contact XX/XX/XXXX 

XX/XX/XXXX said there was nothing they could do and I should contact Bloomingdales. 

I contacted Bloomingdales and they said they couldn't discuss the case or elevate it for further review because I had " accepted '' the supervisors ' findings. I asked how I could proceed with arbitration and was told I had already done arbitration and there was nothing more I could do. I asked how I was supposed to have known that I was engaging in arbitration and she said there was no way I could have known but that the XX/XX/XXXX conversation I had with the supervisor was the only chance I had to request a further review by a manager and/or arbitrate the findings. However, I was never notified that was the case. 

Now, I am stuck unable to get a mortgage or a student loan ( except at high interest rates ) for an oversight that resulted in a late payment of under XXXX dollars. I do not think this is appropriate or fair.

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 2020-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: NV

Complaint narrative:
company keeps calling me from different numbers and harassing me after I have repeatedly told them to stop harassing me. I am getting on average at least a daily phone call from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Like most people, when the massive XXXX breach happened, I went and froze my credit reports with all three major bureaus. Around 8 months ago I wanted to open a new line of credit and went to unfreeze them and had no trouble doing so with XXXX and XXXX, but Experian refused to honor my request, insisting that some bit of information I had submitted through their form was incorrect. They demanded that I mail in copies of my driver 's license, utility bills, Social Security cards and various other things in order to lift the freeze. I did this and absolutely nothing happened. I tried submitting the forms over and over and got the same result. I tried using their automated telephone system and it gave me the same generic rejection that their site did. 

Today, I found an alternative phone number which Experian does not make public anywhere and tried it. I was connected with a gentleman who was absolutely stoned out of his mind and could not type any of the numbers he asked me to repeat to him 7-8 times. When I asked if I could speak to someone above him, he said " not really '' and just sat in silence, giggling like an idiot. 

It is fairly clear that Experian has invested as little time and money as they possibly could in implementing their freeze system and it is completely and utterly failing to serve its purpose. If I had known that it would be completely impossible to lift the freeze then I never would have placed 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 2020-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: MS

Complaint narrative:
On XX/XX/XXXX, I contacted 21st Mortgage to inquire about payoff. I was given a payoff amount of {$11000.00}. A payment was due on this account on XX/XX/XXXX. I was told this payment was not included and that making the payment on XX/XX/XXXX would save the amount of the payment due XX/XX/XXXX. I paid the account in full on XX/XX/XXXX in order to save the {$280.00} payment per quote and was informed that this payment would not draft as account was paid in full. On XX/XX/XXXX, a payment for {$280.00} drafted from my account. I contacted 21st Mortgage at this time and was told it was an error and that I would be refunded by check. On XX/XX/XXXX, I received a check for {$40.00}. I contacted 21st Mortgage at this time. They now state that the payment was due after the account was paid in full and that it was an error on their part. They will not, however, issue any refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE FOUND AN ACCOUNT AND FEW INQUIRIES REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT AND INQUIRIES HAVE CAUSED A HUGE DROP IN MY CREDIT SCORE. THE ACCOUNT AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT BELONG ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: CO

Complaint narrative:
Experian, XXXX and XXXX are listing information in my report that is not mine. I have previously disputed this, but nothing was fixed and removed. I filed an Identity Theft Report with the FTC for the accounts listed below, and inquiries listed below, and want these erroneous accounts removed asap please due to the harm it is causing my credit reports and score and financial well being. 

Erroneous accounts needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Info that needs to be deleted : Address XXXX XXXX XXXX XXXX, XXXX, UT 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 2020-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: 391 Financial, Inc.
State: TX

Complaint narrative:
i applied for a loan they told me to fill out the online app i did they said that i was pre approved for XXXX all i had to do was give bank vitrifaction. i did the verification they received and has access to my account couple hours later i received the first email stating i was approved. so i signed the loan agreement papers stating how much my monthly payment was going to be and had the final amount and how many payments it was going to take to pay off loan amount which i agreed to i received an signed and sent back. 30min to 1 hour later i received another email stating i had money waiting for me, so went on break at work called my sons wedding plan to arrange final payment got off the phone with her decide to sign into the account and saw the denied on my loan after being told approved 3 times and signing the loan documents. dirty misleading and put a financial bind on me and my sons wedding plans. if it wasn't for the wedding id sue ive got copies and emails of this misleading issue. they think it's not a problem to XXXX with someone's personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is still syaing I owe this money. I dont know how I or my XXXX year old son could make these transactins in CA and XXXX. How could I make a XXXX transaction when I dont have an account with them. How can I be in XXXX XXXX Fl.were we live and make transactions in California and XXXX at the same time. I have never been to CA or XXXX and this was all done during the covid-19 shut down. This is unexceptable. You can plainly se the transactions before this all started to happen were all {$10.00} {$20.00} transactions. I called as soon as someone made a {$2200.00} deposit that was not mine. I will see them in court and no judge will side with Wells Fargo after seeing the history of this account.

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 2020-07-10 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: CA

Complaint narrative:
XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX  USADispute TEXAS XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX XXXX XXXXDispute filed ftc violations o

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