vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 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: OH

Complaint narrative:
Experian has XXXX employees to answer questions via phone or via chat and they are dealing with our financial information! If I am being forced to use this company they should be forced to have employees man the phones. I had a freeze put on my credit due to a data breach by a large company many years ago. I do not remember my pin, I did the online retrieve you pin and it said I need to mail in required documents. I called to see if I could have it reset, no answer and message said to see the website, and the website says mail-in documents. I also tried old echat email and I got auto-reply to call in and you see how that went. I tried to remove this before and gave up but now I need it removed so I can buy a home but at this point, the home will be sold before Experian thinks about processing my request. They have an area where you can upload document but you can't use that portal for freezes! This company is the worst!!! Remove my freeze and I'll check prior to doing business with a company that they do not use Experian as their primary agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
I saw my recent credit report that I have late payments on my history with this account which I think I am not late at all. 
XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Hello, My wife and I recently refinanced our mortgage through Mr Cooper. At the time of our application we had a rate lock at 3.125 % Everything went smooth but took a long time but that wasn't an issue with us. The day or two before we were to close on the mortgage we got some documentation that said our rate was 2.250 %. I called and talked to our rep. ( XXXX XXXX ) and he told me the rate was changed approximately two weeks after we locked in our rate. He had no idea why it changed. He also told me to correct it we would have to wait for the loan to go back through the entire underwriting process again. we told him to proceed with the closing because this was taking a long time. I then called the person who started the process XXXX XXXX XXXX ) and she said that it would have only delayed the closing a day or two. I realize that .125 % doesn't sound like much but we will be paying more than we should every month for the next 15 years. The rate was changed without our knowledge or consent. The additional payments will total about {$1900.00} I called and talked to XXXX and XXXX and was told someone would get back to me but never did. Their contact info is XXXX-XXXX and XXXX 's is XXXX ( XXXX ) We feel that changing our rate without any consent or explanation is not only unethical but also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I paid the full amount to the original creditor which was XXXX XXXX and have the receipt showing paid in full but IC SYSTEM don't care and keep posting delinquent on my XXXX  and XXXX  account. They said I should have paid them instead. They are a bad collection agency. XXXX  said they already asked IC SYSTEM to be removed from my credit but they refuse. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I received a text from USAA concerning fraud on my debit card. A couple of charges were for XXXX and of course I did not authorize any charges of XXXX. USAA never informed me they turned off my card even when I was on the phone with them. Great customer service. Now I am having any charges and automatic payments failing. I called them and keep having to push several buttons and end up in the wrong departments. The people running USAA claim they are for veterans. I see no indication of this and they are a bunch of idiots.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: Capio Partners, LLC
State: FL

Complaint narrative:
Asset Care LLC is showing a charge off account for XXXX XXXX on my credit report. When I contacted them via telephone they admitted that it was not XXXX XXXX but a XXXX account for XXXX XXXX XXXX XXXX but they chose to show it as a recent XX/XX/XXXX account for XXXX XXXX on my credit report as a charge off. 

I do not and did not owe XXXX XXXX XXXX any money from XXXX or any other time and they can not and will not provide any documentation on this claim. 

Yet they acknowledged that by law this outstanding balance should be removed from my report at the end of 7 years and that they knew it was from XXXX yet refused to correct the entry or remove it and have damaged my credit with this report. 

They intentionally listed it as current and it would remain for up to 7 years on my report in what is an obvious attempt to extort payment from me to get it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, US DEPT ED, USDOE/XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2020 I set up the AutoPay feature through Bank of America 's eBill platform to pay my XXXX Bank of America XXXX XXXX in full each month using a checking account at another bank. 

I use electronic autopayment for many bills and do not log in regularly to check accounts. I do ; however, set up alerts so that I will be made aware of any unusual activity on the account. 

Bank of America 's autopay failed to pay XXXX bill for {$34.00} by the due date of XX/XX/2020 and on the next bill I was assessed a minimum interest charge of {$1.00}. I was never alerted by the bank that this bill was unpaid or that interest was charged. The autopay again failed to pay this bill by the due date of XX/XX/2020 and I was again charged a minimum interest charge of {$1.00}. Once again, the bank did not alert me to any issue with this payment. 

I was only alerted to the issue by a credit monitoring service on XX/XX/2020, as this account was marked as having a late payment on my credit report. When I logged in to the Bank of America website, I could see no trace of the autopay that I had set up months before. I was never told by the bank that there was any problem with my autopay. 

I called the bank and they were helpful about removing the mark from my credit report. I have spoken to XXXX Bank of America representatives on the phone XXXX XXXX on XX/XX/2020 and subsequently on XX/XX/2020 ), both of which acknowledge that there was an error on the part of Bank of America. They have told me that there is no way that they can refund the interest charges and that there is no one that I can speak to with the power to refund the interest charges. 

I acknowledge that it is a small amount of money in this case : {$3.00} ; however, I find it very disturbing that the bank is refusing to pay back fees that they have collected when they acknowledge that they should not have charged those fees in the first place. Furthermore I was told that there is not even a mechanism in place to refund these fees in the event of an error. This points to a systemic problem with Bank of America. I worry that this bank may be wrongfully withholding fees from many consumers.

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 2020-06-15 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Looks like a SYNCB/Ashley card was opened, I tried to dispute with XXXX, but the dispute results got no where. Do not recall account because the date it was opened I was in confinement in 2016. Documents will further prove I was as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi Platinum Select MasterCard has left me responsible to collect on a dispute for {$1800.00} with XXXX XXXX XXXX Im XXXX, NY who is fraudulent in practices and never completed contracted work that was paid on Citi card. After back in forth since XXXX I contacted XXXX to help in resolving issue with company since Citi decided that I had to take personal action in obtaining refund from company who is non-responsive even before the COVID-19 pandemic. I spoke to Citi a couple times about my issue with how they handled the dispute even making me pay for an additional company to to do and estimate on the work that was not done at my own expense. I have asked Citi to suspend/freeze or place a hold on my account because the only amount I owe is the disputed {$1800.00} to avoid paying interest on disputed charge until the issue is resolved which during the pandemic businesses are closed and I am still responsible to keep my account current by paying interest to avoid default. Citi customer representatives act as if they are taking my information to reopen my dispute which they have not and place me on long holds only to disconnect me which is terrible business practice and abuse of power. I am totally disappointed at their tactics for me to submit to their will to shut me down and not be active in the fight for what is right, just and to protect my financial status. Citi as company behavior is in handling dispute is very low down and foul.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I entered into a loan modification with Bank of America on or before XXXX, which was the due date of the 1st trial payment ( see Offer/Acceptance Letter attached ). I made all 3-month trial payments on time ( see attached payments confirmations and copies of checks ). On XXXX Bank of America sent me a letter notifying me of their transfer of the loan to XXXX XXXX XXXX XXXX XXXX. ( see attached ). I had to cancel my 3rd trial payment because Bank of America wouldn't take the payment. 

I suffered great monetary loss and struggled for a refinance of the mortgage that was transferred to a servicing company that did not have my account set up in their system and that changed the terms of the modification and that added more fees and costs to my account and sent my account to foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weinman Acquisition Group
State: AZ

Complaint narrative:
Allied Legal Services XXXX Saying I owe money for a credit card that I never had. Threatened to sue and serve me at my place of employment. I've asked to cease and desist, yet they still continue to call.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XXXX of 2020, I received an alert that I had a new hard inquiry on my Equifax credit report. I contacted Equifax to dispute this fact and then contacted XXXX XXXX XXXX, the company that had requested the hard inquiry, to see if any account had been opened using my information. I did not authorize any credit check for an account with XXXX XXXX XXXX in XXXX of 2020. I have no business with XXXX XXXX XXXX. I was able to find out that someone had used my information to try and open an account in XXXX XXXX, New Jersey. I requested that XXXX XXXX XXXX inform Equifax about this error so that it could be resolved as soon as possible. Today is XX/XX/2020 and the error still shows up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2020 I contacted my bank, Bank of America to recoup a scam from a wire transfer. They stated they couldnt help me but would file a complaint. I have not had my funds recouped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
Our names are XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you and family are well during these unpredicatable and extenuating times. 

We needed to file a claim in regards to refinancing. We have been trying to resolve an ongoing issue ( s ) with Shellpoint and felt that it was necessary to refer to you for advisement. We have been trying to resolve the issue of credit reporting on behalf ofthe third borrower, XXXX XXXX XXXX XXXX. ( my father ) ; as of now we are all making payments and no payment or credit line is being reported on his behalf. 


We've been relentlessly trying to get Shellpoint to solve this issue since midXXXX. We've sent the right emails with the right documentation, but, only to be presented and met with conflicting information along with false reassurance ( s ). We have been told in writing that this was going to resolved months ago in XXXX. 


Here we are in middle of XXXX and it has to have been taken care of, as my father 's credit report still has not been updated. We are completedfrustrated at this point, as we can not move forward with the VArefinancing process until this credit matter has been taken care of. 

Please assist us and look into this problematic company that has a very troubling user record with the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
I have an account with OneMain. 

I fell behind on this account. The company called me at work and at home. They harrassed me. I asked them finally to stop calling. 

I resumed paying this account in XXXX. I have made payments in XXXX and XXXX. 

In XXXX, I called the company. I spoke to a representative in the credit department at the company. I apologized for my loan being late. I told her that I was making regular payments. I asked the person if my credit report would be updated.. The person thanked me, said that she understood, and informed me that my report would be updated by the company to reflect the payments coming in. 

Instead, the company charged my loan off as a bad debt. I made another payment in XXXX and noticed no update to my report, until a review by me indentified the charge off. 

The company 's credit department refused to work with me. The explained that changing the report would be " dishonest '' even though I called them and started making payment again before the charge off. 

This is very bad business practice. I am asking for the company to change my report back to show that this account was behind, and that I am now making payments. The " charge-off '' should be removed from my credit report. As it stands, the only way I can rectify this matter now is to pay the loan in full which will cause me significant hardship. 

What is troubling is that I received two different responses. I was never told by the company when I phoned in XXXX that my debt would be charged off. I was thanked for resuming payments and for wanting to work this loan out. Now, when I call again, I am told something completely different. I accept responsibility for this. I made an attempt to resolve. That attempt was received. The company arbitrarily changed its stance and has taken a position now that has done me harm. 

I continue to make monthly payments to OneMain. My next payment is on XX/XX/XXXX.

Company response to consumer: Closed with explanation