vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
On XXXX XX/XX/2021, I received a notification on my phone as well as an email indicating my payment declined ( {$19.00} premium monthly monitoring services ). I use a prepaid card for this account due to previous dealings with Experian over charging my card in the past. Well, nevertheless ... .I was like I'll just downgrade the services fir some of the " premium '' perks weren't needed. When I went to log in I was unable to fully get into my account. Experian will not let me log into my account until I pay {$19.00} for the next 30 days. I'm not sure why I can not fully log in and just downgrade the account. If the one of the monthly services is " FREE '' then why don't they just block or stop premium access and allow me to sign under that? The only thing I am worried about is the fact they, as in EXPERIAN will downgrade your credit score and unlock your report ( unfreeze-even if the freeze is supposed to be a free service to consumers ) if you do NOT pay the premium score. I mean I'm already fighting with them to remove to items that are out of date to be on my report due to Alaska FCRA rules but it's a no ein situation with Experian. I just want to be able to log in and change my subscription

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 2021-12-16 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On several occasions over the last few month, Bank of America placed unauthorized charges on my Bank of America Credit card. I requested formally that Bank of America remove the unauthorized charges from my account. Bank of America did not find that I had authorized the charges to my account, but Bank of America refused to credit my account for the unauthorized charges to my account. 

The merchants whose charges were placed on my account never had access to my card number as I had never given this Bank of America credit card number to either merchant whose charges were placed on my account. Bank of America is acting contrary to law by placing unauthorized charges on my account and refusing to credit my account for unauthorized charges.

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 2021-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gatestone & Co. International Inc.
State: IL

Complaint narrative:
I, the original creditor and consumer received a disrespectful debt collection letter from Gatestone & Co. International Inc. attempting to collect a supposed debt. The debt collection letter stated that Gatestone & Co. International Inc. is a debt collection company. With that being said, Gatestone & Co. International Inc. are subjected to follow the 15 USC Subchapter V-Debt Collection Practices by LAW. Gatestone & Co. International Inc. violated 6 laws multiple times within the Debt Collection Practices and are criminally and 15 USC 1692K civilly liable.

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 2021-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Movement Mortgage LLC
State: GA

Complaint narrative:
I contacted my mortgage company on XXXX to ask what my options were regarding modifying my mortgage. I spoke with XXXX in loss XXXX and she suggested that I apply for a Covid Forbearance since I had lost my previous job and then apply for a mod. It was my understanding at the expiration of our call that the Forbearance had been applied for. I called back on XXXX to obtain an update and was told that the Forbearance was never entered into the system. At that time XXXX stated that she would enter the Forbearance and I requested a call from a supervisor to file a formal complaint and to get an understanding as to when I would hear back about the request. I never heard back. I called back on XX/XX/XXXX and was told that it was still under review and that a manager would call me back from loss mit. I never heard back. I called again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX only to be given the run around once again. I can not get anyone from loss mitigation to call me or to answer any definitive questions regarding the request for a forbearance. It ridiculous to have to call back so many times and not I feel like they are just giving me the run around. I then requested the number or email for the regional bp or district manager and was told they could not provide that information..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Aspire Credit Card solicits as a credit card to help people with poor credit build their credit. But, their bills are consistently misleading. The amount reflected on your bill is frequently in conflict with what the chat representative conveys when asked to explain the bill. If you pay your bill early it is reflected as an additional payment within the same month, yet their system does not advise you of a prior payment received at time of payment. The available credit on the bill is misleading. I became over the limit because of it. The over the limit amount math did not add up and could not be explained. It appeared there was a over the limit fee and additional fees mysteriously included in the calculation of the over the limit amount reflected on the bill. It is the most confusing card billing system, I have ever tried to keep up with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized loan servicing is not paying back the overpayment in ESCROW Good afternoon, Please I need your help to collect the money, but also fine SLS. 
What they do to me probably they do to other people. If I dont pay, SLS would fine me $ $ late fee and extra interest and collection fee. 
I ask for the same. I ask my escrow money and a fine payable to me XXXX XXXX XXXX XXXX of {$1000.00} SLS did not refund the {$2500.00} overpayment in escrow after selling the house XX/XX/XXXX. 
Today XX/XX/XXXX I still have nothing. I called SLS on several occasions, I also send out letters with the request to SPESIALIZED LOAN SERVICING to use XXXX  and send the check. 
I also reported this incident at XXXX 
The letter I add to this email is dated XX/XX/XXXX from SLS. 
It stated that they send out a check twice which I never received. SLS did mention that they can not track the envelope because it was send by regular mail. You would think that XXXX IS going to send a XXXX XXXX check overnight with XXXX OR XXXX  after failing again. 
They did not!! 
Today XX/XX/XXXX I gave SLS a call, XXXX, and spoke with XXXX, XXXX and XXXX XXXX from Arizona office. 
SLS has done nothing, what they good say that the checks where never collected. 
What miss XXXX mentioned that they are going, again, block the second Check and reissue another one in 15 days, so you should receive it, hopefully in XX/XX/2022. Ridiculous, against the law and absolutely not to tolerate. 
I told them that they have to reissue a check today and send out today or tomorrow, XX/XX/XXXX overnight with XXXX EXPEDITED and with a tracking number. This ups tracking number you have to Email immediately to me. They dont know, we can not do that. 
I told SLS that all your mail I received correctly over the last 5 or 10 years. Also this letter attached to the email I did receive. Co -accidentally, twice I did not receive the check. It probably was never send out, or maybe someone inside the company SLS is sitting on it?? 
SLS LOAN SERVICING IS IN DEFAULT BY law. 
Please, I hope you can help. 
They should loose their mortgage license by doing those type of behavior. 
I want them to wire the monies including a {$1000.00} settlement. I spend so much unnecessary time on it. Today XX/XX/XXXX th, still nothing. 

Thank you very much for your assistance, P

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 2021-12-16 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Please note there is a fraud account Transworld on my credit report. I am requesting the removal of this account from my credit. I didnt open this account, nor did I authorize anyone to do so. Please see the attached FTC report and delete it from my credit at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hunt & Henriques
State: CA

Complaint narrative:
I am disputing improper service of a legal document Both my wife & I was out shopping on XX/XX/21 which I can provide proof of date & time with receipts. I came home in the evening and noticed on my door there was a copy of a summons & complaint shoved in the crack of my door as if I was served.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: IL

Complaint narrative:
EXPERIAN WILLFUL AND NEGLIGENT NONCOMPLIANCE AGAINST CODE OF FEDERAL REGULATIONS AND FCRA. Experian continues to report a charged off account with a past due balance. I informed Experian in a previous CFPB complaint that the account is inaccurately reporting as " past due as of XX/XX/2021 '' and is continuing to report a past due balance ( please find evidence of account reporting as past due ). Upon further research this account is reporting as a Charged Off status ( please find evidence below ) and according to the Internal Revenue Service, IRS, on their public website www.irs.gov, this canceled debt is considered ordinary income for me. Experian is reporting income on my consumer report. Experian publicly states on their website that income is not included in their consumer reports ( please find Experian stating income is excluded from a consumer report attached ). I am a federally protected consumer and I have a right to privacy and it is Experian 's grave responsibility to respect my right to privacy. Experian has a duty to insure maximum possible accuracy on my consumer report. Experian isn't respecting my right to privacy nor are they insuring maximum possible accuracy on my consumer report by reporting income on my consumer report. Delete account XXXX XXXX Account # XXXX immediately from my consumer 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 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian keeps adding old information ( collection ) to my credit profile after removing it followed a 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 2021-12-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scott Fetzer Financial Group Inc.
State: FL

Complaint narrative:
I purchased a vacuum cleaner in XXXX that was financed by United Consumer Financial Services. I made more than 24 monthly payments via automatic withdrawal. I subsequently lost my job and was unable to continue my payments. On XX/XX/XXXX, I received a letter from the creditor that stated " If you can make the next four payments on time, we will bring your account current. This will stop the accrual of late charges on your account, although it may increase the total amount of interest paid on the loan as well as the length of your loan. '' Because I am again employed, I immediately enrolled in automatic payment withdrawals, effective XX/XX/XXXX. I have made 5 successful timely payments, and the creditor has failed to bring my account current as promised! They have intentionally inflicted additional financial harm to my credit profile. This derogatory alert on my credit profile is preventing me from realizing financial goals that I have set. 

I pray for relief from this unscrupulous creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr. Cooper Mortgage : Refinance XXXX XXXX : Closing date : XX/XX/2021 My escrow balance was {$6100.00} ... We signed escrow transfer authorization for them to transfer our escrow balance to the new loan with Mr. Cooper. A debit of {$5400.00} was taken from my escrow account and balance sent to me. Instead of transferring my escrow balance to new loan they used it to pay down the old loan. We did not authorized to do this. Closing cost : Sec XXXX : Initial Escrow payment at Closing : A total of {$9200.00} was included in my loan to cover escrow due XXXX 2021. A credit of {$5400.00} was never put in my new escrow account and it was not sent too me. My total escrow balance should have been : {$15000.00}. This was enough to pay my taxes and insurance of {$9600.00}. Since the {$5400.00} was never put in my new escrow account I now have a negative balance of {$200.00}. I have contacted Mr. Copper and each department is blaming the other for the mistake. I have letter dtd XX/XX/2021 from XXXX XXXX, XXXX, XXXX. saying they did transfer the balance to new account, but can not provide any proof of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I believe I am a victim of Loan Churning from PHH Mortgage Company. I have signed a modification dispite that I have not three consecutive payments payments I signed a modification out of distress just for good faith practice on my behalf. After I signed the paperwork I sent it back in a timely fashion as a matter of fact I overnighted the paperwork through the USPS, I have submitted the receipt for that I also have noticed that they continue to try to force me into New modifications when there is no reason to because I am paying. My loan started off at XXXX it's now 140k. Please help me I am paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
THE COMPANY TOOK 0 ACTION. THEY ARE TONE DEAF AND RELY ON PACIFICATION AND RHETORIC. THEY DID NOTHING TO CHANGE THIS STATEMENT AND ARE OK WITH THE FACT THAT THIS WILL TAKE YEARS. I PAID FOR EVERYTHING AND I PAID EVERY SINGLE OVERDRAFT THEY CHARGED ME. I NOT ONLY DEMAND THAT THEY CHANGE IT BUT TO REFUND ALL THE OVERDRAFTS THEY EVER GIVEN ME! THEY PROFITTED SIGNIFICANTLY OFF MY PAST YEARS OF OVERDRAFT AND THEY HAVE THE NERVE TO KEEP A RECORD ON ME THAT WILL PREVENT ME FROM CHANGING TO ANOTHER BANK! 

I HAVE SERVED MY COUNTRY AND COMMUNITY AND CONTINUE TO DO SO! YET THIS COMPANY HAS DONE NOTHING TO FIX THIS PROBLEM. THEY ONLY HAVE INSENSITIVELY CONTINUE TO ACCEPT THEMSELVES IN THEIR CORPORATE PREDATORY BEHAVIOR! I

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 2021-12-16 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: WA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Wallace Management Company, LLC
State: OK

Complaint narrative:
I received a loan from Empire Finance in XXXX, Oklahoma. During the collection process, a representative has called me from her personal cell. She has also called and left a voicemail on my work phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: TN

Complaint narrative:
I have a lawsuit pending for damages against XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX. Take of your list and out of your database now. I am with XXXX and going to get you ASAP unless you resolve this Now!!! Thank you for your Time... 

I can and will prove that XXXX ( Committed Fraud ) and XXXX XXXX  XXXX XXXX Committed Fraud XXXX, XXXX XXXX ( Fraud Class Action Lawsuit already settled ), and XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Fraud Class Action Lawsuit already settled )

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 2021-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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