vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 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: U.S. BANCORP
State: GA

Complaint narrative:
My credit card with the account number ; XXXX XXXX XXXX XXXX was fraudulently used at a merchant named ; XXXX *XXXX XXXX   XXXX XXXX GA in the amount : {$2100.00}, {$2000.00}, {$2100.00}, {$2200.00}, {$2200.00} and according to the card terms and agreement, as I customer I am covered with 0 % fraud liability but my account was shut down and Elan financial Services are asking me to pay the amount of XXXX one also my account was shut down because they claimed I didn't responsibly handle my credit card properly which is no where in the agreement. I lost my card during the XXXX XXXX XXXX protest in XXXX, my wallet and ID And other credit card were stolen and this is something I don't have no control over. I am being treated unfairly and I feel intimidated/ discriminated against cause if I were to be a white customer I believe this situation would have handled a little differently.

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 2020-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
As of XX/XX/20, my debt owed to National Credit Systems was satisfied in full. I made the payment and have received a letter from the company stating that there is no longer any further obligation relating to this account, but it is still being reported to the credit bureaus. I have contacted the collection company and am now being asked to pay an additional amount to them so that they can stop reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MO

Complaint narrative:
LoanCare admittedly forgot to pay my homeowners insurance and after we straightened it out, they still deducted another premium ( double what my premium is ) on top my my insurance premium for them to get their own insurance, even though I had insurance. Repeatedly told it was their mistake and would be fixes, still deducted the additional {$2200.00} premium for their insurance so my escrow is negative and my monthly payments will be {$200.00} higher. Of course, if I do t pay, Ill be penalized. The WORST customer service I e ever experienced and I keep getting lied to and nothing is getting resolved ... for their mistake. I have 20 phone calls and 15 hrs trying to straighten this out. Theyre impossible!

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 2020-08-11 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: MD

Complaint narrative:
i recently obtain a copy of my credit report and noticed inaccuracies in 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 2020-08-11 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: MD

Complaint narrative:
i recently obtain a copy of my credit report and noticed inaccuracies in 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 2020-08-11 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: MD

Complaint narrative:
i recently obtain a copy of my credit report and noticed inaccuracies in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Our 2nd mortgage was transferred to Shellpoint at the beginning of XXXX, 2020. I sent in a check payment to the address provided. The check was cashed by Shellpoint but not credited to our account. It took over two months to rectify this error. I made two payments in XXXX just to be sure that we would not be 'late ' on our payment. In the meantime, in early XXXX, we received a letter stating that we would be put in the 'Forbearance Program ' unless we responded. We did respond by phone and were sent a letter stating that we had declined the program on XX/XX/XXXX ( see attached ) and that they had fixed the payment recording error. I thought that would be the end of it. In XXXX, we attempted to refinance our mortgage, only to find that we had been placed into forbearance without our consent, and this had been reported on my husband 's credit report. We have called multiple times this past month and are also having IT issues and can not access our Shellpoint account. IT reached out after two weeks but we missed the call. After a month, we have yet to receive a letter stating the error and nothing has been corrected on our credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On the following dates XXXX, XXXX, XXXX and XXXX I submitted disputes to Experian and XXXX XXXX credit reporting agencies informing them of their violations of 15 U.S. Code 1681. FCRA 623 ( a ) ( 5 ) and FCRA 609 ( a ) ( 1 ) ( a ), ensures that correct methods are used to investigate, correct and report the correct information from its original source. On the XXXX of XX/XX/2020 Experian and XXXX XXXX credit reporting agencies voluntarily committed to violating both U.S. codes and verbally insured me that they would not comply after I informed them that the agency ( XXXX ) of their choice to verify consumers correct information have complied with the same explained information and sent Experian and XXXX XXXX the documented proof, they still vow to violate both U.S. codes protecting consumers Privacy and said accuracy of their reported credit history. 
These actions of Experian and XXXX XXXX cause serious derogatory discrimination, harsh negative results and serious collateral damage to a consumers life preventing them from purchasing a home, obtaining dependable transportation and even obtaining a job.

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 2020-08-11 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a loan with SYNCB/SPORT, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SYNCB/SPORT, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am filing this compliant because Equifax And XXXX have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified '' that I disputed. Please resolve this manner as soo as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: USCB, Inc.
State: CA

Complaint narrative:
I have a loan with XXXX, USCB AMERICA ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, USCB AMERICA ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and ( Original Creditor : XXXX XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX marked my account as late when my account is on autopay sent communications to transunion, XXXX   XXXX  and XXXX XXXX XXXX XXXX. this resulted in me being turned down for 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 2020-08-11 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX marked my account as late when my account is on autopay sent communications to XXXX, XXXX, equifax and XXXX XXXX XXXX XXXX. this resulted in me being turned down for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
XX/XX/2020 I contacted Bridgecrest requesting new payments dates because I got a new position and my pay schedule was changing. I was informed that because my loan was new I had no options XX/XX/2020 I contacted them to see if I could get adjustments so that my credit score would not be negatively affected they said they could not help me. 

XX/XX/2020 I contacted bridgecrest again by phone and I was able to catch my payments up. I asked for review of the two missed payments reported and they said they could do anything about it. 

XX/XX/2020 I wrote a letter asking to have the payment history adjustments ; no response from Bridgecrest. 

With the shock of the nation and COVID I have maintained a good payment history for majority of this loan. I believe that my payment history on my credit report should show that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am filing this compliant because XXXX And Experian have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to '' ... promptly delete all information which can not be verified '' that I disputed. Please resolve this manner as soo as possible. Thank you.

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 2020-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Optimum Outcomes, Inc.
State: TN

Complaint narrative:
They have called me multiple times and left multiple voice mails for " XXXX XXXX ''. I am not XXXX XXXX and I have had my phone number for many years! I also owe no medical debt. I have called them 4 times to let them know I am not XXXX XXXX and to quit calling me. They continue to tell me they will not call me anymore, but I continue to get phone calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2014 I had automatic payment and the payment didn't process and was rejected. I did contact to discuss with the company and they said they will be fix and not going to report on my credit since was an system error and I never was notified on time.I been trying to deal with this for quite a few time, but this affecting me since I been trying to get a mortgage and I can't get approved because this. I can get approved because this marked as late and the company don't help me with this unfair situation.

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 2020-08-11 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: ID

Complaint narrative:
These are not my accounts, nor did I follow through with a chapter XXXX bankruptcy. I have attached the documents for proof. Please remove them.

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 2020-08-11 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:
My credit reports for XXXX XXXX, and Transunion all show that my student loans were 90 days late as of XX/XX/2017. However, they also show that in XXXX and XXXX, the accounts were in good standing. I have disputed this with all bureaus numerous times and still they have not fixed these errors. My loans were in forbearance then in deferment so my payments were never late. I tried to dispute these errors again and the website would not allow me to submit a new dispute.

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 2020-08-11 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:
My credit reports for XXXX, Equifax, and XXXX all show that my student loans were 90 days late as of XX/XX/2017. However, they also show that in XXXX and XXXX, the accounts were in good standing. I have disputed this with all bureaus numerous times and still they have not fixed these errors. My loans were in forbearance then in deferment so my payments were never late. I tried to dispute these errors again and the website would not allow me to submit a new dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: CA

Complaint narrative:
My credit reports for Experian, XXXX, and XXXX all show that my student loans were 90 days late as of XX/XX/2017. However, they also show that in XXXX and XXXX, the accounts were in good standing. I have disputed this with all bureaus numerous times and still they have not fixed these errors. My loans were in forbearance then in deferment so my payments were never late. I tried to dispute these errors again and the website would not allow me to submit a new dispute.

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 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
On Friday, XX/XX/20, I prepaid for services through the digital forum Cash App. When the time for the services arrived, the provider had stopped communication. I requested a refund and have not heard back from the provider or company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2020, I requested a loan payoff estimate online because I was not able to get anyone on the phone at Bank of America. The bank applied a19.78 % daily interest rate to the loan for a week because I requested a loan payoff estimate without telling me. There was no advance notice that if I request a loan pay off that an additional interest rate would be applied. Additionally, the banks website was down the day after I requested the pay off, so I couldnt even get the pay off details that I needed to pay the loan off and stop the unknown interest rate from accruing interest. The monthly mortgage is {$780.00} and theyve essentially added another month to the loan all because I sought details on how to pay the loan off. This is deceptive and unfair.

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 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: WI

Complaint narrative:
Hi, I wrote to Discover numerous times. I explained the situation since we were experiencing financial hardship. We had to move due to family health. Also, I lost my checking account. In the past 9 months, we have had 3 hospitalizations and numerous doctor 's visits. The medical condition now worsened to a severe status. XXXX and Social Security does not really cut it at this point. We may need to check into Affordable housing solutions since we barely paying rent and we receive numerous disconnection notices. 
I asked for forgiveness. 

I asked to cease contacting me a number of times. However, they keep calling about 3 times a day. Right now, with no assistance. Most calls are robocalls. They seem to repeat the same threats and the situation has not improved at all especially with this Covid-19 crisis. 

Can you help? This stress is not helping in the current crisis. They say they won't contact, but they continue to do so. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I paid off my home loan lived at XXXX XXXX XXXX XXXX Colorado XXXX not showing on my credit report. Mortgage was through Colorado Housing Finance Authority had a down payment assistance loan as well paid in full for both. XXXX plus the XXXX in down payment assistance. Address is not showing paid off in XXXX was not included in bankruptcy was paid in full. Paid off in full have the documents. Also had a XXXX XXXXXXXX XXXX  paid off in full from XXXX XXXX paid in full not showing on credit report.

Company response to consumer: Closed with explanation