vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have been having some financial problems lately, so my payments have been late ; but I have been making them. My payment was due on XX/XX/19 in the amount of {$160.00}. I made full payment on XX/XX/19. On XX/XX/19, a new statement generated. The company applied the payment of {$160.00} to the new balance instead of the {$160.00} that was due on XXXX. This caused me to get charged a late fee. I chatted online with a customer support rep and they basically said that is how things are done and there is no way to have it applied towards the XXXX balance. This is unethical and I would think illegal, since it tips the balance in their favor, kicks someone who who is financially down ; but trying. I was supposed to get a copy of the chat transcript, but that never came.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
A couple years ago I was a victim of identity theft and someone opened up accounts in my name and I noticed the accounts on my credit report and disputed the accounts and they were removed. Recently I noticed that 2 of the accounts that were removed in the past has been resubmitted back on my credit report. The accounts are from XXXX  XXXX XXXX for the amount of {$1200.00} and IC Systems Inc {$800.00} both are collection agencies. I have reached out to the credit bureau and have request validation of debt from the companies but and I'm still awaiting for a response.

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 2019-04-10 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: FL

Complaint narrative:
Throughout the academic years of XXXX I took out a federal loan at but noticed over time that there were other loans placed on my account that I never accepted nor received dispersement from the institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have expressed that there were multiple fraud accounts and inquiries placed on my credit file over the past few years and XXXX, XXXX  and transition are continuing to report fraudulent information on my credit file.

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 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have expressed that there were multiple fraud accounts and inquiries placed on my credit file over the past few years and Equinox, XXXX and XXXX are continuing to report fraudulent information on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax could not verify my identity when asked, very vague questions regarding my credit history ( which dates back to the XXXX 's ) they asked what my monthly payment was when I named my credit card bank. My answer ; I pay it off monthly it varies. He kept repeatedly asking, in broken english, what my monthly payment was? That was after he ( XXXX ) quizzed me on my SS # my address, Birthdate and various other personal information. I was only calling to inquire if my credit was still frozen, as I believed it should be. I have frozen my credit for years, however the thaw process has changed. They would not answer based on my responses. Now I am to send a copy of my SS Card, Drivers license, utility bill etc. No, I don't want to blindly send or fax those documents particularly given the Equifax Breach. How do I determine if Equifax still has my credit frozen per my instructions from previous dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2019, Bank of America imposed an unjustified {$25.00} late fee on my credit card account. Since I had not paid late, I looked back at the prior statement to check when my payment was due. The XX/XX/XXXX - XX/XX/2019 statement listed a card balance of {$460.00}, and a due date of XX/XX/2019. That was a SUNDAY. I paid that balance in full via my bank 's online bill pay feature, which does not deliver payments on Sundays. Bank of America posted my {$460.00} payment the next day, Monday, XX/XX/2019. And slapped me with a {$25.00} late fee. The CARD Act expressly forbids this kind of unfair practice involving Sunday due dates. Accordingly, I wrote to Bank of America on XX/XX/2019 to explain the situation and request reversal of the late fee. Bank of America has neither reversed the late fee nor even responded to me, necessitating this complaint to the CFPB. I will be grateful for your assistance.

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 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: AR

Complaint narrative:
Our title company ordered a payoff on XX/XX/2019. We closed on our home on XX/XX/2019. The title company called because Roundpoint did not give clear wiring instructions on their payoff statement. Roundpoint Mortgage would not give them wire instructions without us calling to give authorization. The title company has been waiting for them to give proper wire instructions and they are not releasing that information causing a delay in receiving the payoff for our mortgage.

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 2019-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
A couple years ago I was a victim of identity theft and someone opened up accounts in my name and I noticed the accounts on my credit report and disputed the accounts and they were removed. Recently I noticed that 2 of the accounts that were removed in the past has been resubmitted back on my credit report. The accounts are from Receivables Performance Management for the amount of {$1200.00} and XXXX XXXX XXXX {$800.00} both are collection agencies. I have reached out to the credit bureau and have request validation of debt from the companies but and I'm still awaiting for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I continue to request from all 3 Credit Bureaus verifiable proof which includes documentation with my signature after they have done their investigation. this has gone on for several months and they have not sent me anything. if an investigation has been done then they are REQUIRED by law to forward to me these documents that proves that what they are reporting is in fact true and correct, THIS IS FEDERAL LAW!!!! 

They continue to generate these generic letters stating that they verified however has not sent me documentation per my 6 written request. THEIR REPORTING IS INACCURATE.

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 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am 30 days past due on XXXX   XXXX XXXX account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
My escrow account is incorrect. My property taxes are XXXX. Half ( XXXX ) is due XX/XX/XXXX and the other half ( XXXX ) is due XX/XX/XXXX. The mortgage company paid both halves ( XXXX ) in XXXX of XXXX instead of XXXX that was owed at that time. When they did the escrow analysis in XX/XX/XXXX they showed the taxes for the year as XXXX instead of the actual amount of XXXX. This in turn has shown a shortage in the account that they want to increase my payment by XXXX to cover when there is actually no increase. I have tried repeatedly to get this corrected. I first discovered that they paid both halves of taxes in XXXX sometime in XXXX and messaged the escrow department via there website in XXXX of the mistake. Then in XXXX when I found that the escrow analysis was incorrect I spoke with customer service and eventually ended up with XXXX XXXX. She said that she understood my problem and would contact the escrow department to get it corrected. I emailed her documentation that showed the property taxes and when the payments were due. She told me to give her a week and she would call me back and let me know what was going on with it. I did not hear back from her and contacted her by phone ( voicemail ) and also emailed her. I finally heard back from her after 2 weeks and was told that the taxes were not overpaid and the account was correct. Although they were not overpaid half was paid early which I tried to explain to her via email even again attaching documentation of the property taxes from the county and also there escrow analysis. I have not heard back from them and its almost 2 more weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  could not verify my identity when asked, very vague questions regarding my credit history ( which dates back to the XX/XX/1970 's ) they asked what my monthly payment was when I named my credit card bank. My answer ; I pay it off monthly it varies. He kept repeatedly asking, in broken english, what my monthly payment was? That was after he ( XXXX ) quizzed me on my SS # my address, Birthdate and various other personal information. I was only calling to inquire if my credit was still frozen, as I believed it should be. I have frozen my credit for years, however the thaw process has changed. They would not answer based on my responses. Now I am to send a copy of my SS Card, Drivers license, utility bill etc. No, I don't want to blindly send or fax those documents particularly given the XXXX Breach. How do I determine if XXXX still has my credit frozen per my instructions from previous dates.

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 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX   XXXX XXXX  account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
*CFPB will send copy of letter to you shortly to atth to this complaint i was sent a letter this month threatening judgement, after XXXX, if i did not call agency and work out debt. 

I depute this debt from Collector and CC Bank now, and i disputed in XXXX. this is false debt. 


CFPB was used then, XXXX as contacting source, between bank and I, to dispute this acct and bank had no interest in reviewing my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
one fradu account has been reporting under my equifax credit reporting agency and they are giving me a very hard time about this, i have disputed several times as fraudulent but they are not disputing correctly and are giving me a very hard time. 
i have been very upset and distressed and not been able to function properly, about this matter, i have also attached my police report and other docs, but yet not been able to have this taken care of. 
i will be attaching this FTC report and police report and identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: SC

Complaint narrative:
On XX/XX/2019, I contacted National Recovery Agency in reference to the debt verification letter that was not received in a timely manner after it was requested. They stated that they had the wrong address and they were correcting it and resending it. I emailed them telling them I consider this verification untimely because it may not arrive in time to dispute the alleged debt, which the original creditor says was an error in their records and that I do not owe. NRA Group , LLC stated that they would continue to collect the debt. When asked for proof they were liscenced to collect denlbts in Illinois and the state of South Carolina ( or on a Military Installation, for that matter ) they refused to provide liscenced number and proof as a  registered debt collection agency. XXXX XXXX said the debt should not have been reported to collections. I am asking that the agency remove this information from my credit report as the alleged debt is now disputed and they have not verified the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an alert call from Citi fraud department on XX/XX/18. I was informed that there was a suspicious activity of {$530.00} on my card at XXXX  store. I informed the representative that I didnt use the card and the card was in my possession physically all the times. My account was closed and my card was replaced immediately. The Citicard pay me back of {$530.00} right away, as it was fraud. However, I was charged the {$530.00} back in XXXX. I called CIticard again, and I was told again the credit would be issued back to my account. No credit had been issued till XXXX and I called Citicard to follow up on XX/XX/XXXX. I spoke to a representative named XXXX, who was extremely rude, he told me How could you claim it as fraud, if you had never lost your card. He judged me as a scammer, and I was truly shocked. Escalating the issue to the supervisor named XXXX, I was told that fraud claim had been denied because I had never lost my card, and the transaction was physically made at the store. He was very proud to say that their cards can never be duplicated nor counterfeit. They insist they have PERFECTLY secured security system, even I was a victim. I did my research, and I was not the first victim of these issues with Citicards. They simply deny to investigate their own security system, and blame the frauds to consumers, so they don't have to take responsibility. From the supervisor named XXXX, I received the address, so I could write a letter to Security operations manager. I sent a certified mail to the manager, who has never replied back to me. It was such a traumatic experience with Citi, the company that I trusted for such a long time.

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 2019-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Xtreme Products LLC
State: AL

Complaint narrative:
I was told by the company XXXX XXXX XXXX that I could pay a certain amount for 6 months and after that my student loan payment would become XXXX dollars and be paid by them for 120 consecutive months. They also said that I qualified for the debt to income ratio as well. I paid them for 6 consecutive months and my student loans reported that XXXX dollar payments and current. Just this month I noticed that the student loan debt went up on my credit report and I decided to call to see what was going on and I learned that this was a fraud company. The payments I made were emailed to me by receipt. I would like to get a refund of the money that I paid to them because the services were not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I continue to request from all 3 Credit Bureaus verifiable proof which includes documentation with my signature after they have done their investigation. this has gone on for several months and they have not sent me anything. if an investigation has been done then they are REQUIRED by law to forward to me these documents that proves that what they are reporting is in fact true and correct, THIS IS FEDERAL LAW!!!! 

They continue to generate these generic letters stating that they verified however has not sent me documentation per my 6 written request. THEIR REPORTING IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to have the correct date of 1st delinquency accurately reported and disputed this several times. The results come back as reporting accurately from XXXX, although I keep providing the credit reports from the credit reporting agencies showing on their own report that the date of first delinquency reported is XX/XX/XXXX. 

This negative account should be removed from my credit reports on or before XX/XX/XXXX. 
XXXX reports that the date of first delinquency is XX/XX/XXXX, which adds years to the removal from my account which violates the FCRA timeframes. 

I would like this corrected so that the negative information will be removed per the FCRA timeframe in XX/XX/XXXX. 

I am providing copies of the letters and a copy of an XXXX payment history report dated today, XX/XX/XXXX showing the late charge assessment on XX/XX/XXXX, which corroborates the actual late payment. 


I am also providing copies of each credit report showing the first reported late payment on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation