vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
I received an escrow analysis from Roundpoint in XX/XX/XXXX for my XX/XX/XXXX property taxes. I reviewed the analysis to find that city/ village tax was miscalculated. I sent additional information ( i.e., actual tax bills for XX/XX/XXXX ) to Roundpoint showing the actual payments for my city/ village tax was incorrectly calculated on or around XX/XX/XXXX. For almost a month they told me that they were investigating the issue and that a new analysis would be run. A new analysis was run without taking into consideration the information I had sent to them. I followed up again the last week of XX/XX/XXXX to be told that they were still investigating the issue, but that it would be resolved by XX/XX/XXXX. XX/XX/XXXX, passed and the issue was not resolved. I called the first week of XX/XX/XXXX to speak with customer service again. They told me they couldn't fix the issue without a new tax bill. I called the local tax collector and explained the situation. She explained to me that the new tax bills would not be printed until the first week in XX/XX/XXXX, but would send me detailed information in an email to forward to Roundpoint. She sent me that information and that same day I forwarded that information to Roundpoint. Her email explicitly stated that if Roundpoint had questions she should be contacted directly. They never contacted her. I followed up again today XX/XX/XXXX, to be greeted by a rude customer service representative who had no clue how to resolve the issue and refused to assist me further. Roundpoint has overestimated my city/village tax by 50x what they actually will be for the year. The tax bill for the year is estimated to be {$100.00} per year. They are actually calculating it to be {$5700.00} for the year. They refuse to resolve the issue and as a consequence, my monthly payment will go from {$2300.00} to {$3100.00}, which increases my monthly payment {$870.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: USI Solutions Inc.
State: MI

Complaint narrative:
Several people from this place called my phone and my husbands, claiming to be working for XXXX XXXX and XXXX XXXX  connections wanting me to pay an old XXXX XXXX debt. I asked them to send this in writing. They did not. They tried several times to collect money from me over the phone, saying that it was not handled properly and that I owe XXXX XXXX a lot of money. They said I have to make arrangements. I was connected to several different people. I am XXXX and would appreciate them leaving me alone when I asked them to. I asked for something in writing and they said they would but instead keep calling up to 5-10 times a day telling me to call immediately.

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 2018-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
Initial application for XXXX XXXX XXXX card filed on XX/XX/18. 

Message received on XX/XX/XXXX to contact issuer for additional data. Spoke to Barclays on XX/XX/XXXX and was told that the credit report freeze I had placed with XXXX would need to be lifted for the card application move forward. 

Contacted credity agency and had freeze lifted and credit report was received by the card agency. 

Was then referred to their identification component as the freeze would now require me to submit additional identification proof. I was instructed to send them a copy of my driver 's license as well as a copy, front and and back, of my Social Security card. I agreed to the D/L copy but would not agree to photocopy my SSN card as doing so is in direct contradiction of current Social Security Administration guidance as noted in POMS RM XXXX and asked for an alternative document that could be used. 

The response was that there are no alternatives and that refusing to supply the data would result in a denial of my application. 

Requiring the submission of a copy of a document that the issuing agency suggest should never be photocopied is inappropriate. Either agency instructions should be altered or the credit card company should be required to provide applicants who wish to follow agency guidance with alternative. 

The tracking number for my applcation with Barclays is 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 2018-02-12 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: IL

Complaint narrative:
I have attempted to cancel this service many times. 
Most recently XX/XX/2018. 
When I attempt to cancel my account the automated service tells me I do not have one. 
When I try to contact member services I am left on hold for hours with no response. 

I had to make a stop payment on this previously with my bank that cost me money. 
The information was changed on how I was being billed and the billing has begun again. 
I have attempted numerous times to cancel this service and have not received a single response. 

I have already been on hold with the company for multiple hours today and have attempted to call multiple different numbers that bring me to the same menu. 

I am being billed on the XXXX of every month a total of XXXX from experian.

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 2018-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been calling XXXX  and Transunion to remove or at least update my XXXX  XXXX XXXX  Personal Loan item from my Account. 

The account was paid in full XX/XX/XXXX, however my credit reports now says that the item is over 120 days unpaid which is not true. I am submitting an authorized letter from XXXX XXXX XXXX  stating that the account was paid in full XX/XX/XXXX. 

Please have this updated to the correct status or remove it completely because it is full of inaccurate information.

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 2018-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Several people from this place called my phone and my husbands, claiming to be working for Capital one and XXXX XXXX XXXX wanting me to pay an old Capital one debt. I asked them to send this in writing. They did not. They tried several times to collect money from me over the phone, saying that it was not handled properly and that I owe Capital one a lot of money. They said I have to make arrangements. I was connected to several different people. I am XXXX and would appreciate them leaving me alone when I asked them to. I asked for something in writing and they said they would but instead keep calling up to 5-10 times a day telling me to call immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My Bank of America credit card account was closed in XX/XX/XXXX. I continued to make payments until XX/XX/XXXX, and ultimately the account was charged off in XX/XX/XXXX with a balance in excess of {$5000.00}. A XXXX was issued in XX/XX/XXXX, which was filed with my tax return and paid to the IRS. Bank of America is still reporting the account as open through XX/XX/XXXX with XXXX and XXXX   ( XXXX is reporting closed status as of XX/XX/XXXX ). In addition, Bank of America is still reporting the aforementioned balance on all three credit bureaus. I have called Bank of America multiple times asking for the balance to be updated to {$0.00} and mark the account as closed. They are refusing to do so, stating that I am able to make payments on the debt if I wish. Please help me rectify this matter.

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 2018-02-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account regularly reports negative information and reports as if the account when it was closed nearly 4 years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account regularly reports negative information and reports as if the account when it was closed nearly 4 years ago!

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 2018-02-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a credit card with Bank of America in XX/XX/XXXX account has been closed since XX/XX/XXXX. It still shows on my credit report should have been removed after 7 years. The statue of limitations for this to appear on your credit report is overdue.

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 2018-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Hello, I have 4 hard inquiries on my credit report t without my authorize. The company name and dates on my credit report are : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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
Consumer complaint received 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has a multiplicity of programs designed to assist in credit monitoring and credit repair. They provide regular credit score information if requested. The problem is that none of them provide consistent information and they also provide contrary information to creditors unbeknownst to the consumer of their credit management product. This seems to constitute a form of fraud. 
I recently became aware that there are three different experian credit scores associated with my social security number and a different score that was being provided to a creditor.

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 2018-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: FL

Complaint narrative:
XX/XX/XXXX I applied for a XXXX loan online with XXXX, made 4 payments of XXXX and wrote them a letter stating that I was in hardship could we work on payoff amount and I would guarantee whatever I could afford to send at that time, no reply back, no emails, nothing. I have been receiving phone calls all week XX/XX/XXXX from a private number, on Friday they directly called my work and spoke with my boss who therefore pulled me into his office telling me they were serving me papers by XXXX XXXX. At this time I called the XXXX number they had listed the woman was very rude and then switched me to a XXXX XXXX who said if I paid them today they would cancel the the papers being served, of course embarassed that they had actually spoke with him. I gave them over the phone my debit card and paid XXXX towards this debt, they are telling me that I owe a total of XXXX??? I only took out the XXXX. Please advise as this was a third party ( XXXX XXXX XXXX ) debt collector and needs to get a little bit of ethics on dealing with people who struggle and do have lives, I do not want to be disturbed at work or home as I have reached out to them in XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I proceeded with the steps at XXXX to get my free credit report from transunion. After I entered all my information I was met with this : " We are unable to complete your request What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. 
What to do : To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. 
Alternately, to request your Free Annual Credit Report by mail, return to XXXX to download the request form. '' The number has an impossibly long system ... and I never receive my report. Also not having access online makes everything a time consuming struggle. Theres no way of regaining access to my free credit report online and I firmly believe that denying me this access is equivalent to denying me access to my 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 2018-02-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My student loans defaulted after college. I have since gotten them through a debt rehabilitation program that was supposed to clear the delinquency from my credit reports. 

In the years since my credit reports have continued to report a severe delinquency regardless of how much prompting and calling I do. According to XXXX the info has been sent to all of the credit agencies, but they all allege that they never received anything. 

I don't know what to do short of hiring a lawyer at this point and since it makes all loan requests automatically rejected it's prevented my from making any moves to buy a house.

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 2018-02-12 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: WA

Complaint narrative:
Hello, I have 4 hard inquiries on my credit report t without my authorize. The company name and dates on my credit report are : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had a credit card with XXXX XXXX XXXX in XX/XX/XXXX account has been closed since XX/XX/XXXX. It still shows on my credit report should have been removed after 7 years. The statue of limitations for this to appear on your credit report is overdue.

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 2018-02-12 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: MT

Complaint narrative:
On XX/XX/XXXX, I pulled my credit report and saw that Experian is inaccurately reporting information on my credit report. More specifically, reporting 30 days late on my XXXX XXXX/XXXX account for the month of XX/XX/XXXX.

On XX/XX/XXXX, I contacted XXXX XXXX/XXXX  regarding the Experian reporting 30 days late on my credit report. XXXX XXXX/XXXX provided me with correspondence indicating that XX/XX/XXXX should be reporting as current and that they would notify the credit bureau of said status.

On XX/XX/XXXX, I again pulled my credit report and Experian did not update the 30 days late to current. Therefore, I filed a complaint with the CFPD ( Complaint Number XXXX ) against Experian.

On XX/XX/XXXX, I received a notice from CFPB that Experian had responded to the complaint. Experian states that they contacted XXXX XXXX/XXXX and They responded and verified that the disputed information was accurate as reported. It said information was accurate as reported, then please explain why XXXX XXXX/XXXX  would provide me with a letter indicating that the XX/XX/XXXX 30 days late should be reported as current?

On XX/XX/XXXX, I received an email from Experian indicating that it could take up to 45 days for me to receive results.

On XX/XX/XXXX, Vague correspondence from Experian indicating reinvestigation is submitted and complete.

On XX/XX/XXXX, Correspondence from Experian indicating the XXXX XXXX/XXXX   account was updated but it is still reporting as 30 days late for the month of XX/XX/XXXX.

On XX/XX/XXXX, Correspondence from Experian indicates Experian is currently investigating the disputed account information.

On XX/XX/XXXX, Correspondence from Experian indicating the reinvestigation is submitted and complete and was updated but is still reporting as 30 days late for the month of XX/XX/XXXX.

On XX/XX/XXXX, Correspondence from Commentiy XXXX/XXXX  indicating that the account should be reporting as " current '' NOT " 30-days late ''.

On XX/XX/XXXX, Pulled my credit report once again and Experian is still reporting this as late.

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 2018-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
An account was opened on XX/XX/2016, at  Southwest credit. I called this company on numerous occasions disputing this. The debt in question was a utility bill for an address that I've never lived at or been associated with. The amount was {$380.00} I would like any assistance you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BlueChip Financial
State: FL

Complaint narrative:
I received a call from this woman who claimed to be serving me papers, I saved the VM on my phone, she was beyond rude and told me she was going to call my place of employment, in which she did and spoke with my boss XX/XX/2018 how embarrasing over a payday debt in which I tried to resolve payments with the actual company since this woman is calling from a private number saying she was a third party collector for her client XXXX, this was for a XXXX payday loan, I immediately called this number XXXX that they told my boss they were coming to my work to serve me papers. Like a fool, they got me, I called back and spoke to a XXXX XXXX who said we were being recorded which I was okay with. He said his client would settle for XXXX and then I proceeded to give him my debit number and agreed to XXXX month per month to make good, then I received an email confirmation showing that they were settling for XXXX??? I called back and this woman, probably same one was very rude, I told her I agreed to a different amount and that I was being recorded I told her good replay it back so I can show them. This document they sent me doesn't even look legit, how do I know if they are real????

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation