vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-02 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: FL

Complaint narrative:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2019-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have banked with Bank of America Small Business for over a year. Every month, there is a check deposit made into the account from the same payor and the same amount. During the first several months this account was opened, the bank would put a full 15 day hold on this deposited check. The first time they did this, I was hit with seven returned item fees for {$35.00} each because I was anticipating a 5 day hold based on the deposit receipt I received when I made the deposit. I was told 5 days and then they arbitrarily changed this to 15 days. When I complained, they returned ONE of the returned item fees for {$35.00} and kept {$210.00}. A few months later, I spoke with a banker who told me the bank would no longer put a hold on deposits made from this payor because it was a corporate check, the funds had always cleared and my account was in good standing. The month immediately after this conversation, I made the exact same deposit, same amount, same payor, and a 5 day hold was placed on the check. When I called customer service, they reduced the hold to 3 days and released 25 % of the funds immediately. However, that month they still returned 5 items after the payments had already posted to the account, and refused to refund any of them. This month, on XX/XX/2019, I was hit with another five returned item fees for {$35.00} each because they split the deposit into two separate holds even though the teller at the bank where I made the deposit told me the full amount would be released in 3 days. When I called this morning and spoke with " XXXX '', she went into the account and released the full amount immediately and told me the bank puts " a hold on checks because there has been a surge in fraud and they do it to protect my interests ''. I then asked for a refund of the fees I was charged, she asked me to hold while she looked into the account. She then returned to the call and told me she would not be able to refund any of those fees. I asked as to the reason why she couldn't and she said " looking at the account, the payments, these fees, I can't do anything ''. How is this " protecting my interests ''? The account has always been in good standing, the only problems relate to hold periods which seem to arbitrarily change to trigger fees. This is gross and intentional abuse of depositors for the benefit of the banks bottom line.

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 2019-10-02 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: ID Analytics, Inc.
State: NY

Complaint narrative:
As require by FCRA any information reported as fraudulent should be removed from the consumer credit file, Please remove this account permanently from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: Experian Information Solutions Inc.
State: AE

Complaint narrative:
On XX/XX/2019, I tried to temporarily lift a security freeze on my Experian credit file by using their phone system and website. I have a PIN number issued when I originally placed the security freeze on my file. Experian only answers phone calls with their automated system and it is impossible to speak to a human being. Their website also makes it impossible to contact this company since their Contact Us page only leads to a questions and answer list. Since my credit file is frozen and Experian keeps rejecting my PIN number, and there is no way to contact them, I am not able to lift the credit freeze temporarily or get a copy of my credit file. Unlike XXXX and XXXX, where I was able to lift my credit freeze, Experian keeps rejecting my information, which I think is because their records are inaccurate. Of course, I can't see what information they have for me since they won't allow me to contact 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 2019-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Atlantic Credit & Finance, Inc.
State: MD

Complaint narrative:
I was forwarded a letter sent to a resident and state I do not live in on the XXXX of XX/XX/2019. The letter was once again to the same court from my other threats from other creditors in XXXX XXXX, NJ in XXXX County. The letter does not indicate who this creditor or lender or who they are. They are threatening to garnish my wages for unidentified amount of the claim debt. I was never notified of any legal actions for the name listed on the letter, I have no outstanding loans or debts from this listed party. I did not know the court could approve such false allegations from the same court system. How am I legally being pursued for a debt I am not aware of in an amount not indicated on the documents you are sending to the wrong address and state.

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 2019-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been paying on a student loan for over a decade and my balance is more than the amount first borrowed. Although during the time of repayments I had periods of unemployment, I have made payments while employed. I have all intentions of repayments but I have not made a dent on the balance. This was my first and only student loan and I was not very well versed. I do not believe I was fully informed of the repayment options nor was I ever alerted on renewal notifications on by payment options. When I review my account with the servicing company ( Navient, the loan originated with Salli May ), the amount applied to the loan principal has been little as XXXX cents at times. I just feel that I'm paying a " Loan Shark '', since my balance is more now then the original amount. I have worked for non-profit organizations, public state organizations and higher education of over ten years. I asked about loan forgiveness, regarding employment with non-profit and education, and was told that my loan was not eligible. I'm a veteran with a 70 % service  connected XXXX and XXXX years old. I fear that my current XXXX, may result in working part time in the not to distant further. Any advise and guidance will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX XXXX I applied and was approved for this credit with Goldman Sachs and its showing a negative impact on my credit for applying and being denied

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: LEXISNEXIS
State: NY

Complaint narrative:
As require by FCRA any information reported as fraudulent should be removed from the consumer credit file, Please remove this account permanently from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: CITIBANK, N.A.
State: UT

Complaint narrative:
CitiBank # XXXX is reporting lates on mine and my husband 's joint account that I should not have. We had this on auto-pay and never received any statements for it. We changed our address and had a forwarding address so there was no reason for us not to get these. Our mortgage went up and we never received notice or a phone call so we did not know to make higher payments, again this was on auto pay and we did not know the payment changed.

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 2019-10-02 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: LEXISNEXIS
State: GA

Complaint narrative:
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.In a pass complaint your company had removed this account, but in a violation of the FCRA You have re-posted without a written notification prior to re-posting this account .Please remove this account permanently from my file to avoid further litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: FL

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly ( 120 ) days late on the XXXX XXXX account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages 5, 6, 7, and 8 attached  from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I, XXXX XXXX, booked a hotel on XXXX for my son, XXXX XXXX on XX/XX/2019. He was supposed to check in on XX/XX/2019. I also faxed in a credit card authorization form on XX/XX/2019. However, when he arrived at the hotel on XX/XX/2019 the staff at the hotel told him they did not have the credit card authorization form so they did not allow him to check in. He had to go to another hotel and pay cash in order to check in. However, my credit card was still billed on XX/XX/2019 for {$340.00} and on XX/XX/2019 for XXXX eventhough he was not allowed to check into the hotel. In addition my cara was charged twice for the same hotel stay. I should not be charged two times. In fact, I should not have to pay at all for a hotel he was not allowed to check into

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 2019-10-02 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: FL

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly ( 120 ) days late on the XXXX XXXX account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages 5, 6, 7, and 8 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.

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 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly ( 120 ) days late on the XXXX XXXX account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages 5, 6, 7, and 8 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line  items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.

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 2019-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
My second mortgage was purchased by XXXX XXXX XXXX in XX/XX/2019. This is a down payment assistance loan that initially started out at XXXX. When the loan transferred to XXXX XXXX XXXX the balance on my loan reset to XXXX and my additional principal payments made ( clearly intended to go towards principal ) on loan were applied to interest. I've called multiple times with no resolution and receive a different answer each time. I also submit disputes through the CFPB, but in the response letters no one answers or the number is wrong. Loan Care is  servicing the loan and will not assist with correcting the issue. My balance for this month is even doubled! They keep telling me that this is an interest only loan and any additional payment made will go towards interest. In the note it clearly states that I can make prepayment and they'll be applied toward principal. I spoke to my closing attorney and previous lender. The attorney reviewed the note and stated that prepayment can be made to reduce the balance. I am requesting that Loan Care research my prepayments on the old loan and adjust the new loan balance. I am also requesting that the payment amount be corrected before I make another payment. This is my last attempt before I file a claim with my local court and seek damages.I have made an extensive communication trail and find this to be unacceptable. Old Account ( before transfer ) -  XXXX New Account ( after transfer ) - XXXX Both accounts were serviced by Loan Care. Please read the entire note and addenda. It states PREPAYMENTS CAN BE MADE TO REDUCE THE PRINCIPAL BALANCE. YOU MUST READ THE ENTIRE NOTE!

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 2019-10-02 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: UT

Complaint narrative:
XXXX # XXXX is reporting lates on mine and my husband 's joint account that I should not have. We had this on auto-pay and never received any statements for it. We changed our address and had a forwarding address so there was no reason for us not to get these. Our mortgage went up and we never received notice or a phone call so we did not know to make higher payments, again this was on auto pay and we did not know the payment changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX # XXXX is reporting lates on mine and my husband 's joint account that I should not have. We had this on auto-pay and never received any statements for it. We changed our address and had a forwarding address so there was no reason for us not to get these. Our mortgage went up and we never received notice or a phone call so we did not know to make higher payments, again this was on auto pay and we did not know the payment changed.

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 2019-10-02 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: UT

Complaint narrative:
XXXX # XXXX is reporting lates on mine and my husband 's joint account that I should not have. We had this on auto-pay and never received any statements for it. We changed our address and had a forwarding address so there was no reason for us not to get these. Our mortgage went up and we never received notice or a phone call so we did not know to make higher payments, again this was on auto pay and we did not know the payment changed.

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 2019-10-02 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: U.S. BANCORP
State: UT

Complaint narrative:
Us Bank # XXXX is reporting a balance on an account and updating that I settled back in 2017. I have and have attached a deletion letter I received stating this account is settled and should be removed. There is no reason for it to still be updating on credit and it needs to be removed.

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 2019-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I contacted Bridgecrest XX/XX/2019 and spoke with XXXX to discuss the inaccurate information on my CBR. I'm currently on a payment plan paying {$290.00} every 2 weeks. I was never advised when I set up the plan, rather by phone speaking to rep ( back XX/XX/2019 ) or via the online portal, that I would continue to report delinquent during the plan. 

I'm currently in the process of purchasing a home and that's when I noticed that I was reporting 3 months past due. However, I have continued to make my agreed upon payments. 

During the conversation with XXXX, I advised that I understood the first delinquency hit as I set up the arrangement after the account was already 31 days delinquent. The days delinquency referenced was provided by XXXX during our conversation as I was unaware how far behind, I may have been. XXXX stated she saw where Bridgecrest tried to contact me prior to the payment arrangement to prevent it from hitting my CBR. She advised that if I SPOKE with someone I would have known. However, I did speak with someone and it was never brought up. 

I asked if there was someone, I could speak to that would help me rectify this. She advised that all disputes would need to go through the credit agencies. 

Several times during the convo XXXX advised that she was reviewing notes and dates incorrectly. I'm sure she is very proficient in her knowledge of how to read account notes, there were times that the information that was shared was " off '' as she stated that she doesn't show when I spoke with someone. It wasn't until I gave her an approximate time frame when she was able to locate. She also was referring to emails and texts that were sent as " phone calls ''. 

XXXX was very patient, and I believe she did all she could do at that time. I would like to be able to have my credit bureau report updated to reflect only 1 month past due and not 3. I failed to note that XXXX did state during the call that Im reflecting " current '' or " caught up '' now. Again, I'm showing past due for XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened 2 accounts 1 personal account and 1 shared account with them in XXXX. When I opened the account. I do see a new account bonus which is deposit XXXX each account then keep it by XXXX so I can get XXXX dollar. I deposited XXXX total for both accounts. The total bonus should be XXXX dollar. 
And I called them today to verify the bonus. They said I dont qualify the bonus because I didnt open their saving account. What? It is unfair to me. No one tell me I should open the saving account during opening new account when I call them. I need them to pay my XXXX dollar bonus to honor it.

Company response to consumer: Closed with explanation