vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-15 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:
My mortgage was transferred to XXXX XXXX XXXX a few months ago. 

They sent me a letter telling me that my mortgage has changed to them and asked for my bank account info for payment - which I found suspicious since the loan number was different and I hadn't received anything saying XXXX XXXXXXXX XXXX was my new lender from my existing bank ( XXXX ). They had said my loan would be transferred to " XXXX XXXX XXXX ''. 

I called XXXX to figure out if it was legitimate or fraudulent. They had the right info about my existing loan so I ended up setting up my account and signing up for automatic payments over the phone. 

Then a couple months later I got a notice in the main that my account was delinquent. I called and it turns out that the automatic payments wouldn't kick in for 2 months ( which they never told me on the phone ), and once the payment was missed, the automatic payments were cancelled too. 

After calling I immediately paid the balance and called back to verify it wouldn't be reported as late to the credit bureau, but it turns out they had already sent the delinquent status to the credit report. 

They promised that they would fax letters to the credit bureaus to remove the negative marks, but that was several weeks ago and the negative marks still remain on the credit report. 

I've emailed and called them several times and still have gotten no response from them about the issue with my credit being resolved. 

The XXXX online presence is extremely dated and difficult to navigate ( e.g. to tell what the outstanding balance is or set up automatic payments ). In this case my flawless credit of XXXX dropped nearly XXXX points due to mix ups in their payment systems that weren't communicated to me, and now several weeks after I've paid the balance and discussed the credit issue with them they've failed to address it with the 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 explanation
Consumer complaint received 2021-08-15 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: FL

Complaint narrative:
I have a few addresses that is not correctly showing on my credit file that needs to be updated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES:1280 XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CT XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX, I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However I would like them removed because they are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a few addresses that is not correctly showing on my credit file that needs to be updated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES:XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CT XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX, I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However I would like them removed because they are not accurate.

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 2021-08-15 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have a few addresses that is not correctly showing on my credit file that needs to beupdated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASEDELETE THE FOLLOWING XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXXXXXX FLXXXX XXXX XXXX XXXX XXXX FL, XXXX , I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However, I would like them removed because they are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: LEXISNEXIS
State: FL

Complaint narrative:
I have a few addresses that is not correctly showing on my credit file that needs to beupdated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASEDELETE THE FOLLOWING ADDRESSESXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXXXXXX FL,XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However, I would like them removed because they are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I have a few addresses that is not correctly showing on my credit file that needs to beupdated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASEDELETE THE FOLLOWING ADDRESSES:XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL,XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However, I would like them removed because they are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I tried to reach out to this company through mail on multiple occasions to try and rectify the situation over the last 6 months and I have yet to receive an response. I feel this account is affecting my credit and hindering me from being able to obtain a loan to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2021, I got wellsfargo email said my account was closed do to unusual activity reset here, gave my personal info. I immediately called fraud department on my card and explained, they canceled my debit card and my account was fine, the next say! 
XX/XX/2021 I see my savings account went from {$4400.00} to negative {$110.00}, I went to the local bank that couldn't talk to me, even though I explained fraud, people are taking money out of my account as we speak, still couldn't help. I drove to other wellsfargo bank, they took me in changed my accounts, I got liflock, locked my credit with credit bureau, filld police report, everything I'm supposed to do. I got a letter saying they didn't feel responsible for the money. I feel they are responsible since I contacted them before and I never wire money and drain my savings account in one day negative {$110.00}, totally unusual activity for my 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 2021-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
regions bank again holding pending charges causing od im opted out of any all od srevices seems they try to hold charges pending way too long to try get accts in negative when customer is not opted in to any ads supposed reject purchases ect i think their needs to be ig internal investigation on their banking records to show how many others are being ignored opting out letting accts go in negative ry earn # # in fees ect i am XXXX live on very limited $ $ $ my it being on od means my first of month check not even get it be used up in od fees how many others are being done this way i am hoping you not just react my issues only but subpoena their records find out how many others being treated like this. in my opinion if found to be doing this many dont just fine then one fee fine then for each offense say you fine then XXXX XXXX for offense also fine XXXX more XXXX for each customer that was mistreated ill be reportig issues to other federal agencies to

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 2021-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, we received notification that Mr Cooper will be servicing our mortgage. Our mortgage payment includes payments for property taxes and insurance which were kept in escrow. On XX/XX/XXXX we received a letter dated XX/XX/XXXX, from our insurance company that our insurance lapsed for non payment. To reinstate our insurance on our home, our insurance rate was increased. 
We called Mr Cooper to asked why our insurance was not paid, when the insurance was to be paid from the escrow account which had a balance more than enough to cover our insurance payment. Was informed by someone in the insurance department that they were not responsible for our insurance payment but were only doing us a favor. Reminded the representative of Mr Cooper that our payment included the property taxes and insurance before Mr Cooper assumed servicing of our home loan. The response was that Mr Cooper had not received a bill from the insurance company and they can not do anything about payment if they had not received a bill. Mr Cooper sent no communication to us or the insurance company they had on file, about the payment that was due on XX/XX/XXXX for continued insurance coverage. 
Asked to have insurance payments removed from escrow, so that we would pay our insurance since Mr Cooper was too incompetent to ensure that our insurance was paid timely, and was told that we would have to first pay the insurance, send a declaration page to Mr Cooper, who will then determine if we qualify to have the insurance payments removed from escrow and may have to pay for any penalties that may arise from removing the insurance payment. I informed that representative that Mr Cooper already had our monies and had failed to keep up their end of the agreement. Mr Cooper was burdening us to find extra cash to pay our insurance. 
On XX/XX/XXXX, we received a letter date XX/XX/XXXX from Mr Cooper informing us that they plan to buy hazard insurance on our property which may be more expensive that what we can purchase and that we have to reimburse them for the insurance they bought. This is added burden to home owners by mortgage servicing companies like Mr Cooper and frankly smells like a scam to defraud vulnerable home owners. Our service agreement included paying for mortgage, property taxes and insurance, the extra payment being kept in escrow, Mr Cooper failed to keep their end of the agreement and now wants to further victimize us by having us pay for their incompetence. 
Mr Cooper should cover the cost of their own incompetence if they paid hazard insurance and they should cover the cost of increase insurance which we have incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX LOAN BALANCE IS INCORRECT. I HAVE ATTACHED A PRINT OUT SHOWING THE CORRECT BALANCE AS OF XXXX. PLEASE UPDATE THIS ACCOUNT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX LOAN BALANCE IS INCORRECT. I HAVE ATTACHED A PRINT OUT SHOWING THE CORRECT BALANCE AS OF XXXX. PLEASE UPDATE THIS ACCOUNT INFORMATION.

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 2021-08-15 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX LOAN BALANCE IS INCORRECT. I HAVE ATTACHED A PRINT OUT SHOWING THE CORRECT BALANCE AS OF XXXX. PLEASE UPDATE THIS ACCOUNT INFORMATION.

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 2021-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
A few years ago I paid this debt with the promise that it would be removed from my credit reports. It still has not been removed. 

I recently sent a debt validation to this company and I never received a response validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have an XXXX MasterCard credit card issued by Synchrony Bank. Per cardmember agreements, I am supposed to receive 5 reward points per dollar spend at XXXX. However, I have not received the correct reward points since the statement closing on XX/XX/XXXX. For the statement closing on XX/XX/XXXX, I spent {$3100.00} on XXXX  and is supposed to receive XXXX points on XXXX spend but only received 0 points. For the statement closing on XX/XX/XXXX, I spent {$9900.00} on XXXX and is supposed to receive XXXX points on XXXX spend but only received 0 points. For the statement closing on XX/XX/XXXX, I spent {$10000.00} on XXXX and is supposed to receive XXXX points on XXXX spend but only received 0 points. Please refer to details in the 3 monthly statements attached. Also, in each statement, under the " reward information '', it also clearly states the following : " you will earn 5X points on your XXXX purchases for the rest of the year. '' Synchrony Bank informed me that the reason is that purchases with details XXXXXXXX XXXX XXXX are not considered XXXX spend. However, ever since my credit card account was opened in XXXX, all purchases with details XXXX XXXX XXXX were considered XXXX spend and earning 5x points. Apparently, based on Synchrony Bank 's response, Synchrony Bank has only recently changed their rewards policy for the statement periods I stated in the complaint. Since Synchrony Bank has never informed cardmembers of such change in reward policy, Synchrony Bank should not use it as a reason to not award 5X points. Those purchases should still be entitled to 5X points.

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 2021-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have tried contacting them on multiple occasions through the mail over the last year and I have yet to receive a response. This company is affecting my credit and hindering me from obtaining a loan for a home.

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 2021-08-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There was a message on my answering machine from a person claiming to be from Amazon saying that there was a suspicious charge of {$4000.00} and that they put a hold on this purchase and wanted to talk to me about it. This call originated from the following phone number listed on caller id : XXXX but this didn't look like a real number and I have no idea how this number could be displayed like this. When I checked my Amazon account there was no such charge and when I contacted the credit card company ( Chase/Amazon ) they said there was no such charge and stated that this was probably a scam/fraud call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX we went to this XXXX  because they said they offered XXXX  and my husband needed extensive XXXX XXXX because of my husband 's fear of the XXXX we explained he needed to be under XXXX. They convinced my husband they could do it without XXXX and he would feel nothing. I was concerned that our insurance would not cover it and the office clerk told us we would need about XXXX extra. So I applied for care and was granted the XXXX and we went in and signed the contracts. But it was going to cost more, about XXXX. As soon as we got into the car my husband said to call them and make an appointment to speak with them and cancel everything XX/XX/2021 we gave them a demand letter in person for a refund of the money we prepaid for the XXXX XXXX- XXXX XXXX. This included the XXXX to be credited to our care account. As per the signed refund agreement we told them to subtract the {$500.00} cancellation fee. We did have insurance that would cover the rest. They agreed but never refunded this amount The credit card company told them in XXXX they did not have to refund us- I have documentation of all of this.

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 2021-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IN

Complaint narrative:
I received email that the federal loans are being switched to a lending company and also i never had any options for my federal loans due to Covid 19

Company response to consumer: Closed with explanation