vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Late Payment reported for XXXX XXXX I paid a large amount prior to the payment date. During this specific month I did not get any notifications of PAYMENT DUE. Clearly It had been paid. Historically I have paid on time. In addition to the Pandemic I was going through identification fraud via the IRS and State of California leaving me without any way to pay which is why I submitted a large amount to account for this issue and any other foreseeable issue. Due to the fact, I did not have a means of electronic payment and I only received a notification of being LATE and no NOTIFICATION of PAYMENT LATE, ONLY CHARGED A LATE PAYMENT Also, you will see it is accurate that a payment was indeed RECEIVED. I believe this is why I was not prompted to be SENT A PAYMENT DUE REMINDER - Why - Because I had made a payment. Unfortunately, I paid in that month and if it was not for the other issues along with Pandemic i would have paid it off. However, I still made my monthly obligation as noted per FCRA. I did not anticipate being chosen as a fraud error or verification of identification for both IRS and the state of California. All this was due to the fact I moved. Therefore, it was an absence of urgency due to the skeletal crew with business and USPS.

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 2021-03-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX/XXXX/2020, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
Hello, In XX/XX/XXXX I entered in to an agreement with Aqua Finance to finance my bathroom remodeling through a 3rd party contractor.

All is well, overall with one exception. They refuse to remove my method of payment on file citing they only process payments between 2-5 PM each business day. Thus the need to keep the entire card on file. 

They say it is to protect in case of something not processing correctly but does not offer any option for one time payments online for its customers to enter. 

I do not want my credit card information saved on file but their limitations in payment processing nor offering any options for customers to process as they choose online, force my info to be available. 

Im seeking resolution here. It does not stop 10 phone calls per day at all hours from happening when a payment is late even a day.

Let me also add that if paid a day late the next months charges are already added the total amount due forcing you to pay the next months bill early or having to call or answer one of their 10 calls a day to process.

Thank you for your time. 

Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Sent from XXXX XXXX on XXXX On Fri, XX/XX/XXXX at XXXX XXXX, XXXX XXXX wrote XXXX Good Morning, I sent this to my accounting department on Wednesday and this is what they advised. 



In XXXX of XXXX we ( XXXX ) refunded the charge. Prior to this, in XXXX, you already had a chargeback process going between your credit card company and XXXX. During that time frame you received the refund from us directly. 



The charge that appears on the attachment is that further review from the credit company and evidence that they must've of investigated turned their decision against the credit card holder. You would need to speak to your bank directly, as we are unable to refund again since it was already processed on our end. 



Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX P XXXX | FX XXXX Open 24 hours a day, 7 days a week. 







From : XXXX XXXX [ XXXX : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : [ EXTERNAL ] Fraudulent charges I have already disputed and proven that this was not me. Can you please take it off my charge account again. Sincerely, XXXX XXXX Sent from XXXX XXXX on XXXX Caution : Sender is from outside XXXX XXXX XXXX. Take caution before opening links/attachments or replying with sensitive data. If suspicious, forward to XXXX XXXX  Account ... XXXX {$500.00} 31 % ( + ) {$25.00} {$500.00} {$25.00} + ) {$500.00} {$1100.00} XXXX points XXXX XXXX Friday XXXX XX/XX/XXXX Thursday, XX/XX/XXXX XXXX NV XXXX TRAVEL AGENCIES PURCHASED BY TRANSACTION DATE POST DATE MERCHANT LOCATION* MERCHANT CATEGORY Dispute Charge

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 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
I reviewed my credit and saw 3 derogatory remarks from the same company for debts I had paid in full, there were no settlement amounts, the debts were paid in full. After contacting the company I was unable to contact a supervisor and I was denied the opportunity to clarify why the negative remarks had not been removed. The derogative remarks were posted two months after I had paid the debts via automatic bank drafts. the amounts were as follows : {$120.00} {$180.00} {$170.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: HI

Complaint narrative:
I opened a card with this company in XXXX. In XXXX I received a notice that they dinged my credit. I immediately called and they said when I opened an account with them they have a membership fee that I needed to pay. I told them i would send them a check and i did. They said I needed to pay {$29.00} for membership and {$29.00} for late fee and they would remove any negative reporting. I sent them a check for {$58.00} dollars that they processed and they responded by tagging me with another late fee and another negative on my credit report. Every time I call they say they will take care of it and its now XXXX the account has been tagged with 4 late fees and its being listed on my credit report as past due with a balance of {$120.00}. I have never used this card they advertise as a secured credit card to build credit. 
Everyone I have spoke to gives me the same responses and ask me the same questions. 
XXXX refused to give me an employee ID number and said it was against policy to give it to me. Which i am sure goes against CFPB regulation Last person I spoke to XXXX employee ID XXXX told me I need to pay the late fees and send a letter to have my account considered for adjustment to credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I tried to sell my furniture through an online app and was given a check to deposit into my citibank account. When I printed the amount it had an amount more than the total and I was asked to pay a portion of the amount to the mover who will come to pick up the furniture. 
I did a mobile deposit of the check and then later on reached out to the citibank representative to see if this amount has cleared and whether it will bounce back. 
This is the response I got from the citibank representative : Me : Does that mean it ( check ) could bounce back? 
Citibank Rep : " No, I have checked again and we have added the amount successfully in your account and it will not get reversed '' On getting this clearance from the bank I went ahead and made a payment through XXXX ( From the citi bank app itself ) to the said mover.

After a few days the check bounced and I lost my money as I had already paid the said movers by then. 

I reached out to Citibank seeking for help and told there's a fraudulent activity. I explained to them the whole thing and that I received a confirmation from citi bank before I considered making payment through XXXX ( From citi bank app ). 

The bank then told me they will not be able to help me for the check and when I asked why the representative confirmed it would Not bounce - they said check could bounce subject to balance available in the other party 's account. I asked them why they didn't tell me this important point when I reached out in the first place and they had no answer. I told them please dispute my case and they said they will try to dispute the XXXX payment and I raised a case and now they told me they can not help me with this or get my money back for me. The bank is taking no responsibility for a fictitious check or for the fact they misinformed me about its clearance nor the XXXX app used ( through citi bank ). 

Kindly help me get a resolution for this issue as it has been over a month, thank you.

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 2021-03-29 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Late Payment reported for XXXX XXXX  I paid a large amount prior to the payment date. During this specific month I did not get any notifications of PAYMENT DUE. Clearly It had been paid. Historically I have paid on time. In addition to the Pandemic I was going through identification fraud via the IRS and State of California leaving me without any way to pay which is why I submitted a large amount to account for this issue and any other foreseeable issue. Due to the fact, I did not have a means of electronic payment and I only received a notification of being LATE and no NOTIFICATION of PAYMENT LATE, ONLY CHARGED A LATE PAYMENT Also, you will see it is accurate that a payment was indeed RECEIVED. I believe this is why I was not prompted to be SENT A PAYMENT DUE REMINDER - Why - Because I had made a payment. Unfortunately, I paid in that month and if it was not for the other issues along with Pandemic i would have paid it off. However, I still made my monthly obligation as noted per FCRA. I did not anticipate being chosen as a fraud error or verification of identification for both IRS and the state of California. All this was due to the fact I moved. Therefore, it was an absence of urgency due to the skeletal crew with business and USPS.

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 2021-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
MB financial sold my mortgage to fifth third bank in XXXX. I paid faithfully since XXXX when I bought the house. I received a letter in XXXX saying my taxes were not paid for 3 years. Fifth third bank held my escrow account money and never paid my taxes for 3 years. I received a letter saying they paid XXXX for the whole 3 years of taxes finally and now wants me to pay back my own escrow acoount the XXXX XXXX dollars. They also raised my mortgage from XXXX per month to XXXX per month! What did they do with 3 years worth of my escrow account money?? Now I will lose my home????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH

Complaint narrative:
I have called every month since XXXX to get my escrow account properly analyzed. I have been hung up on, yelled at, lied to, and more. They have the information I have submitted a tax bill, I have sumbitted emails from the city, I have submitted information at every request. They as anyone can go onto XXXX website and see what my tax due is. In fact Lakeview has paid it for the 1st half already this year and I went ahead and paid the second half myself. They still continue to charge me near {$600.00} a month for my taxes in my escrow account when currently {$0.00} are owed for the rest of the year. This company refuses to accurately and fairly adjust my escrow account and in doing so are holding my money illegally as they are only allowed to collect an extra 10 % to fund an escrow account. I wish that they could be charged punitively for their continued disregard and negligence of my situation.

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 2021-03-30 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: CA

Complaint narrative:
Experian is reporting fraudulent information on my credit report. I have advised Experian that these collections are not mine. These are fraudulently reported and need to be removed immediately. I have also requested a fraud alert on my account. Please assist me in getting these deleted off of my credit report as they are not accurate. I have not ever cosigned for these services or any services and I do not know who they belong to.

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 2021-03-30 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL LOAN 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My Mortgage was sold to Mr. Cooper in XX/XX/XXXX or XX/XX/XXXX by XXXX XXXX. 

I made my mortgage payment via automatic deduction from my Checking account on XXXX XX/XX/XXXX. My bank processed it, have the paper work to prove same. 

Mr. Cooper on XXXX XXXX in an email is charging me XXXX dollars for a late payment and are accusing me of skipping a payment, when loan was sold. 

I contacted XXXX XXXX and they stated my XXXX payment was made to XXXX XXXX on XXXX XXXX XXXX. Six phone calls and I have been given the run around, being told they will take my money from escrow..i also make an extra payment for the balance twice a year, and XXXX XXXX stated I placed it on the principal, I should have placed it on the mortgage..Phone calls are nothing but stress I asked for an attorney, a person with a first and last name that I, could, deal with, and they told me to go out and get a subpeaona. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have unsubscribed from all email communications from Transunion 2 times, on or about XX/XX/XXXX and again on XX/XX/XXXX. I continue to receive emails from them pushing their subscription services.

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 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I wrote a check on XX/XX/2021 to payoff my auto loan with XXXX  XXXX XXXX. They hadn't received the check by XX/XX/XXXX. I put a stop payment on the check with Chase ( the week prior ) and called XXXX  XXXX XXXX to payoff the loan on XX/XX/XXXX. XXXX  XXXX XXXX cashed the check ( that had the stopped payment ) on XX/XX/XXXX. Chase failed to stop the payment and XXXX  XXXX XXXX cashed a check after I paid off the entire loan. Now my bank account is overdrawn and Chase is refusing to provide a provisional credit and XXXX  XXXX XXXX is refusing to issue my return my funds ( although I owe them nothing ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Washington, DC XXXX Dear CFPB Team, This is to submit a complaint against BBVA because they have negatively affected my credit score. Prior to XX/XX/XXXX, I had an Excellent credit history and never missed a payment. In XXXX, I submitted two disputes. XXXX  advised that as of the latest update dated XX/XX/XXXX, BBVA has still not removed the late payment statement from my file and they continue to provide the same response. 

BACKGROUND : BBVA offered a balance transfer offer on XX/XX/XXXX, a few days before the COVID-19 pandemic hit. I accepted the offer and the agent informed that BBVA would set up the credit card on the online banking tool to reflect payment amounts and payment due dates. BBVA never set up the information until I called on XX/XX/XXXX to inquire about the account. I was not able to see the paper statements because, when the pandemic hit, I was traveling internationally, and flights were cancelled for a few months. On XX/XX/XXXX, I learned about two missed payments and I paid immediately. BBVA sent me a letter on that same date stating that if I made a payment, they would not report me to the credit reporting agencies. Unfortunately, they did not keep their word, even though I made my payment on that date and reported me to the CRAs. In addition, they revoked the credit card and put it on INACTIVE status. 

A month later, on XX/XX/XXXX, I received a letter from BBVA stating that they could not reissue my credit card because XXXX  had provided them with the following information below. I contacted XXXX  and they informed that this information was INNACURATE and they would contact BBVA immediately to solve this issue. 

1 ) " UNSATISFACTORY CREDIT HISTORY 2 ) " SERIOUS DELINQUENCY '' 3 ) " PROPORTION OF BALANCES TO CREDIT LIMITS ON REVOLVING ACCTS TOO HIGH ''.

4 ) " TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED I have tried to resolve this issue with BBVA, on the phone, via letters and they have not been receptive to my request to remove the " late payment statement '' which was caused because they did not set up the account online. I called them today and neither the Collections Department nor the Customer Service department could help me. I told them that I would need to take legal action and report them to the the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GMAC provided me with a deferment/forbearance of my 3 installment payments that included XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called and corrected the deferment with the next payment due XX/XX/XXXX, yet GMC reporting me 30 days late in the month of XX/XX/XXXX. I have asked them to correct this for months and they refuse to follow through. I want my credit report corrected asap to penalize them for UDAP, FACTA, FDCA, and XXXX  abuse of myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 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: CA

Complaint narrative:
Greetings I have been patient with the credit bureaus yet they keep breaking the law. As of XX/XX/2021 I have sent letters out to dispute items that I truly believe are not mine and yet these companies say that they are accurate without proof. How much longer can they play this game?

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