vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: TX

Complaint narrative:
I tried to pay my deceased Mothers balance of {$1.00} on XX/XX/XXXX. I did not know that her bank had put a hold on her account and that the payment was reversed on XX/XX/XXXX. I got a success transaction. But I received a bill on XX/XX/XXXX ( see enclosed ) that stated the payment was reserved and now you had charged me {$29.00} on a {$1.00} bill. I would have been better of not paying the {$1.00} bill but I tried to do the right thing. I called on XX/XX/XXXX to discuss this with XXXX XXXX Customer Service and got nowhere, so I asked to be transferred to a supervisor. I got XXXX and she was so apologetic and said she would handle this bill and for me not to pay it since it was all over {$1.00}. I took her at her word and heard nothing else until and lo and behold, today I got a letter stating this account had been transferred to US Bank for collection. Is XXXX XXXX that hard up for {$1.00}? If XXXX wasnt going to do as she said I would have happily paid the bill while talking to her on XX/XX/XXXX. TO SAY I AM SHOCKED IS AN UNDERSTATMENT. I even mailed a copy of the death certificate to her ( copy enclosed ). So for the record, I am not paying this bill. You can try and collect it all you want and you can ruin my XXXX PERFECT Credit ( FICO Score of XXXX ) and her perfect payment record to you. I dont think she needs credit in heaven. But I am not taking this lightly and have filed a compliant to XXXX, Consumer Financial Protection Bureau and FCC. It wont help this situation, but there were be yet one more compliant of record.

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 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Sterling Infosystems Inc.
State: FL

Complaint narrative:
I received a check from CFPB and its outdated. And now considered VOID, can I have another one issued

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 2021-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
To make a long story short there's multiple problems with SallieMae. 
I've tried working with them to refinance my loans for new terms and they refuse to do anything about it even though they've been getting paid for a little close to a year and half now. Also they wont release my cosigner even thought I've made more than the minimum payment in the last year and half. Additionally, they let me keep placing my loan in forbearance making it really hard to get out of debt by taking advantage of me know aware of the results that I'm dealing with now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: EQUIFAX, INC.
State: NM

Complaint narrative:
On XX/XX/XXXX I sent a certified letter disputing information on my credit report on XX/XX/XXXX it was delivered by certified mail and I have not received a response to that letter nor has an investigation been open. I called today XX/XX/2021 and spoke to a representative in the fraud department and she informed me that they could not remove the information that was being reported Falsely on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I wrote to Comenity Bank about a hard squire on my XXXX report that was inaccurate. I never have anyone permission to pull my credit. On XX/XX/XXXX I wrote XXXX and they advised me to contact Comenity bank I called Comenity bank they advise me to contact XXXX!! This is not good they have me going back and fourth and the matter still isnt resolved.. I spoke with a supervisor from Comenity Bank and he said he doesnt see any info pertaining to this matter. I want this inquiry removed immediately. Im not getting proper assistance thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to open a bank acct and I was denied bc Bank of America said I owed {$220.00} and put me in XXXX ... I thenWent into Bank of America and the banker pulled up my entire file with my Social Security and said that all my accounts were paid in full and that I have no outstanding balance and that I am not in XXXX cording to their system. So I then called XXXX and they said that I am in XXXX XXXX for {$220.00} therefore I am disputing discharge and to be removed from XXXX XXXX altogether as a fraudulent inquiry against me I would be glad to pay the XXXX if it existed. But I feel I am being discriminated against unfairly and this air is affecting my personal and financial 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 2021-04-09 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: NV

Complaint narrative:
Experian Credit Continues to report fraudulent and inaccurate information after receiving a response from creditors who initially reported the adverse information to the bureau. Experian continued to damage my rating by reinserting collection which were remove after original creditor acknowledged the error. Experian will not allow me to dispute these inaccuracies and fraudulent account online and when I contacted them directly they put me on hold for 30 minutes, looping me around between representative and then when I simply ask why they will not correct the issue the phone gets disconnected.

When the representative asks if I file a complaint against Experian to CFPB, I said yes and few minutes later the phone disconnected.

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 2021-04-09 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: SC

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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:
XXXX XXXX  claims that I have a loan I took out with them this happened when I went overseas for a year I never took out a loan with XXXX XXXX I have tried to correct this problem with them several times they will not change it on my credit report I did not apply or sign for a loan with XXXX XXXX they are unable to produce a signature on this loan I am hiring a lawyer and also going to get a lie detector test and bring the results to the hearing when we have a hearing on that I am going to charge XXXX XXXX with all lawyer fees and the lie detector test this is the only way I know that they will take it off my credit report they accuse me of opening this account when I did not open it XXXX  XXXX will be responsible for any lawyer fees and the lie detector test to prove thate I did not take out this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: TX

Complaint narrative:
Experian has been notified that the office of the attorney general does not properly report payment history no less that 3 times. Every time I dispute, oag updates the payment history. If oag is to be allowed to report to the credit companies, they must report accurately. They have consistantly proven that they are un able, there fir they must be blocked from reporting and the item must be removed from my credit file. 

Experian has asked me to upload the agreement between me and the oag, to prove that they are reporting inaccurately. I tried to upload to their website 3 times but it fails each time. 

In the attachment you will see that the agreement is new, I can not be past due for a new agreement. You will also see that oag does not own the debt, therefore they can not report on the debt, that is the responsibility of the debt owner. You will also see that oag does not disclose how they will report late payments, so reguardless of what they say, they have no authority to report, and they can not report at all since the info is not disclosed in the agreement. Please remove from my credit file and block further reporting. 

Also, I was not given a choice to sign or not sign, I was forced to enter into the agreement against my will.

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 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I accept an offer from XXXXirst Bank Puerto Rico to refinance a 1.7 % 15-year mortgage in XX/XX/2021. Now they want to raise the interest to 2.5 % claiming the Federal Reserve raised the interest which is not true. They offer Me another offer at 1.8 % interest but with higher closing costs. 
Is this misleading or illegal? Do I need a lawyer?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The amount on my credit card is wrong. It should be in a XXXX balance. It should be updated to the Three Buraus XXXX, XXXX  and 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 2021-04-09 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: MI

Complaint narrative:
In XXXX I applied for incarceration deferments for both my Fedloan Servicing and XXXX student loans. I sent the documents out along with a prison caseworker on the same day. A few weeks later I received confirmation for deferments on both accounts. The next year I was released in XXXX. I was sent to a halfway-house 5 hours away from home. I was only allowed to use the internet once a week at the start of my stay. My first time checking my personal email showed an email from Fedloan saying I was in danger of default. I called the following Monday after seeing this email ( around XX/XX/XXXX ) give or take a week. I spoke to an account rep who told me I would be defaulting that Friday if I did not take care of my late payments. I asked why the account was not in deferment and he told me there was no record of applying for a deferment, but he did say there was a record of my Mother calling to request the paperwork be sent to me in the prison. Which did happen, but I also filled it out, sent it in ( in the presence of a federal employee ), and got a return letter of confirmation. My XXXX loan had no problem with the deferment paperwork through my local college. I said fine, I will call back Wednesday when I could go get a bank card from the halfway house and pay what I need. I got the debit card from a bank just down the street and called Fedloan back. When I spoke to the next rep they told me that the loan had defaulted the day after I called, Tuesday. I told the rep that the previous one had told me I had until Friday and his response was, '' well I dont know why he would lie to you. '' And they defaulted my loan and went about their day. I have tried contacting my State DA 's office, the CFPB, countless lawyers, anything resource I can find, The fees keep racking up and I get no answers and no help for going on 4 years now ... They take my taxes and rack up the fees. Fedloan employees committed fraud and no one will listen. I told myself I am going to give this one last shot and found this site. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Flagstar bank is trying to charge a " property valuation fee '' to remove my PMI, though I have paid more than 20 % of my home 's original value. Flagstar bought my loan from another company, who did not have this policy in place. 

On XXXX XXXX, 2021 my husband sent the letter requesting PMI be removed. 

I called about 10 days later to check in. They had received my letter but not made a response, and said I would receive a letter. 

On XX/XX/XXXX, I called again. They emailed me the letter, whereby they asked for {$150.00} fee mentioned above. I verbally disputed this on the phone call and asked to see where I was obligated for this fee, as I had met my obligations by paying down 20 % of the original value. The clerk said I would receive a phone call from the proper department in 3 days. This phone call never came and they did not provide the original disclosures from the initial loan originator justifying the fee. 

It is unfair and unethical that Flagstar charge me for what I'm entitled to, and XXXX, to drag the process out, all the time collecting PMI after I asked to have it removed, which should have occurred on the XXXX statement.

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 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
For the past 6 months I've been trying to get a credit line increase with AMEX. I've been a customer for over 3 years, my family for decades and even referred many others in who now have accounts with high credit limits. After seeing others receive such high limits I decided to apply for an increase my self not understanding why my limit is so low when I consistently use the card monthly, Always paid on time, and never issues with AMEX yet I was declined with their reason cited a derogatory account that never existed. I requested the account to be manually underwritten to which my evidence offered ( copies of my credit report showing I've never had a derogatory account ) was denied and I was told it's being declined even though their info is inaccurate. Fast forward to XXXX after their own Credit Bureau Unit team ( which no one told me they existed until today ) confirmed herself after pulling all 3 of my reports I have nothing marked as charged off or derogatory. She warm transferred me to the CLI team and explained that to them over the phone, to which the CLI team stated well " we're still declining for that reason even though it's inaccurate. '' Then I stated I'm filing a complaint with the CFPB because this is beyond ridiculous for the supervisor XXXX ( employee ID : XXXX ) to suddenly change the declination reason to usage of my AMEX card. He stated even though my card is paid in full every month, and I pay off my balance before using the card that month again ( I pay my card off after EVERY transaction ) that is also a reason for decline. So I'm being told I'm supposed to have this reward card for delta, I have to split my purchases monthly to earn my points because they're refusing to increase my credit limit for false reasons, then tell me I'm being penalized for working with the small credit limit I'm stuck at because they're refusing to rectify their wring. I've never had issues with AMEX before so it's very disheartening that it even came to this point of me filing this complaint. At this rate me and my family are just going to pull the savings account, credit cards, and stocks we have with AMEX I can't continue to support a business that has no regards for their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09 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: IN

Complaint narrative:
I have several accounts that were not mine. Not even my name. XXXX, equifax have allowed these people using wrong names to add to my credit report along with wrong addresses and I have already went to the companies and they are all fighting with me to remove them. I have had to fight XXXX along with 9 hard inquiries the companies equifax and XXXX  keep saying verified. XXXX  has deleted them. I have spoken to all these places and they did agree to remove them yet none have been removed when I disputed them. Had they actually investigated these they would have been removed. I have requested both places to send me all verification info and also the information for the companies verifying them and have recieved nothing. I am a victim of identity theft from applying for credit and also even having collections account for XXXX and also XXXX even a goodys card that was not even my name. addresses not mine and these companies had they verified the 3 things as they are suppose to then this would not be happening. My contact info is XXXX XXXX XXXX. Please get in contact with me. on both Bureaus there are 9 fraudulant inquiries and they absolutely refuse to delete them. I can not even protect myself under the FCRA because they do not follow these rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have a number of inquires on my credit report that i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After I requested [ via regular mail ], credit reports from the 3 companies, I received a unsolicited Email from Experian.. on XX/XX/2021. I disputed something and afterward they said it was fixed. My credit score then was XXXX. They claimed my credit was 'thin ', even though I have a good record of payment. I was told this was because I only have a couple loans out and said I needed another credit card. I did NOT submit any request. I went to my bank for a vehicle loan and was given the rate for XXXX credit score. Two weeks later I get a letter from XXXX XXXX XXXX c/o XXXX denying me credit for a Loan application I never submitted! 
I went back on Experian and it shows my new XXXX XXXX as XXXX points XXXX. 
I have requested Experian to explain this but as of XXXX they have not. I was asked why I checked my report and told them I am going to buy a truck. They asked about how much was I looking for and made a guess at $ XXXX. When I recognized they wanted to somehow arrange a loan, I stopped, as I have my own bank. Now, however, my credit is XXXX points lower because THEY submitted the request withOUT authorization. 
It would appear there is some type of compensation for this activity. What can you do?

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 2021-04-09 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: AL

Complaint narrative:
XXXX XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified collections on my consumer report which I have uploaded. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation