vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 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: NJ

Complaint narrative:
My credit score dropped 137 points and TransUnion could not give me a straight answer as to why. My score dropped XX/XX/2020. Last week into the beginning of this week ( today is XX/XX/XXXX ), I was communicating with them through email. I kept going back and forth with them because they could not tell me specifically why my score went down. I am on time with my payments and have had old collections removed. Everything that would've dropped my score had been previously reflected. I did not remove any accounts that built my credit history. I have not applied for any new lines of credit or taken out any new loans. There is nothing new on my report so I don't know what action to take. My score just dropped for no reason. My score also shows a drop with XXXX as well, however I have not yet reached out to them so for now my complaint is with TransUnion.

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 2020-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: GA

Complaint narrative:
FedLoan notified me on XX/XX/XXXX that I needed to recertify my income for an income-driven repayment plan. I'm currently in an administrative forbearance provided by the CARES Act. I was unaware that the act delayed my recertification date by six months, and that I did not need to recertify my income. I went ahead and provided the requested information to FedLoan, resulting in an increase in my monthly payment. I asked that FedLoan cancel my application, but they had already processed my information and stated that they can not go back to a previously approved payment amount. As a result, my monthly payment will increase in XXXX ( when the forbearance is scheduled to end ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage acquired my VA mortgage in late XX/XX/XXXX. I entered the new payment information into my bank 's XXXX XXXX services and the payment was sent on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Freedom stating that my payment had not been received, and showing that 2 payments were due in XXXX. I contacted my bank who verified that the money had gone out on XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX and my bank. on XXXX, I called Freedom Mortgage customer care and set up a 3-way conference with the bank, XXXX XXXX and Freedom for XX/XX/XXXX. 
XXXX XXXX spoke with XXXX at Freedom and gave verification that both the XXXX and XXXX payments had been sent. XXXX XXXX faxed the information to Freedom. 
My XXXX payment had been sent on XX/XX/XXXX. 
On XX/XX/XXXX, a 3rd fax was sent to XXXX at Freedom customer care with the routing numbers for the 2 payments. 
On XX/XX/XXXX, I received a letter from Freedom stating they would review and send a written response following the review, by XX/XX/XXXX. 
On XX/XX/XXXX, I received a letter stating that the XXXX payment was received and credited to my loan. 
I decided to use Freedom Mortgage 's on-line payment services and set up a payment for XXXX. To my dismay, it went through for a TWO month payment amount. I was able to have the bank rescind the payment. 
I did call Freedom 's help line and made the XXXX payment only on their website. Freedom still was saying that I am one payment in arrears. 
I have been sending my monthly payments with my bank checks for the last 5 months. 
On XX/XX/XXXX, I again emailed a letter and support documents to Freedom. There has been no response except with their monthly payment statements showing they want 2 payments to bring me current. 

TO THIS DATE, I have had a total of 30 contacts with my bank, Freedom Mortgage, XXXXXXXX XXXX   services, and with no satisfaction. I have a written record of all contacts, emails and faxes with corroborating bank statements and I have written and given all information to my US Congressman XXXX XXXX ' office asking for their help. And now I am filing this request as well. 

I am a senior citizen and a widow. My husband served in the XXXX XXXX XXXX. This problem has caused me great XXXX  and worry. It has also hurt my FICO score horribly! 
I feel that Freedom Mortgage has shown both ineptitude and/or fraud in their accounting department, and a great lack of " customer care '' with their Customer Care '' services. 
I want to be totally exonerated from the allegation that I am in arrears because it is not true!

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 2020-07-31 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: IL

Complaint narrative:
Experian credit reporting agency has changed their phone options to make it literally impossible to reach a live person. I tried virtually every phone number and every option listed and all go to recordings and then automatically disconnect. Please try this with their main number XXXX. I am trying to manage a fraud alert and credit freeze and am unable to open new accounts or manage my financial life because of the inability to access a live person. The last time I went through this with them, the only way around it was to sign up for their credit monitoring, talk to a person after I paid the credit monitoring fee, and then canceled the monitoring. The other agencies have an option to speak with someone. Experian 's system is extortion.

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 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: AP

Complaint narrative:
Tried to link PNC account to XXXX and PNC prevented it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: CA

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/XXXX but I still have not received a response. Due to Covid 19 I expect things to be delayed a little, but it has nearly been 2 months now. The bureaus are supposed to have 30 days to respond to me so they are clearly in the wrong at this point.

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 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I received letters from XXXX XXXX to the Estate of " My Name '', stating that they had been informed that I was deceased.When contacted, XXXX XXXX stated they had been notified by a " Credit Bureau '' that I was deceased. This letter was received on XX/XX/2020. On XXXX XXXX, I was informed by XXXX XXXX XXXX that they were unable to move forward with a request for a Home Equity Loan because I was reported as being deceased. After checking with the Credit Bureaus, I found out that this erroneous information was being propagated by Equifax. I spoke with a representative from Equifax on XXXX who verified that they had listed me as being deceased. She could not give me any information regarding where they had received the information regarding " my death ''. I was very uncomfortable regarding information that she said they needed before they would correct their mistake. Documents requested were a copy of my social security card and a copy of my Driver 's License. Obviously they were not as strict regarding documentation prior to asserting that I was dead and sending this information out to companies. 
I wish to make a complaint against Equifax and I want this information corrected without my sending my personal documents to an agency that obviously can't be trusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: CA

Complaint narrative:
Because of a fraud alert, my account was closed and a new card number was issued. One month latter a merchant made a refund to my closed account. The refund was never transferred to my new account by the credit card company.

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 2020-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I received a credit alert from my XXXX Credit report. The report stated that a collection amount of XXXX dollars was owed to CMRE Collections. I called XXXX at XXXX CMRE today XX/XX/2020 and asked her about this debt from account XXXX. I asked her name she Stated it was XXXX. I gave the person my name and phone number, so she could look up the bill. XXXX stated that she could not find my name anywhere in her system or any bill that I allegedly owed. She asked me for my social security number, I told her that I feel uncomfortable giving her that. I called CMRE collection at XXXX. I informed her that I was sick from XXXX and I had no knowledge of this account. She thought that was funny and tried asking how long I had it, She was very unprofessional. I asked to for the legal department of CMRE she refused to give me any contact info. Under account information on my credit it states collection Department/ Agency/ attorney. Makes me belief that they work for a federal agency. In Conclusion I contacted CMRE to dispute this debt allegedly owed. I also told her that I was sick with XXXX and I work for the USPS and I have federal Insurance and I pay my bills. I contracted covid -19 while employed all my medical are being paid. I feel very distrusting towards CMRE rep when she asked me for my social security number and physical address.She stated her office was in California. I asked for her legal and the attorney that represents them. She refused to give me any information or any phone numbers of their legal office. She was very disrespectful in asking me personal questions about my XXXX, I her a laughter in her voice when I explain how XXXX I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: CA

Complaint narrative:
These accounts show closed on my credit report. 
XXXX Closed XX/XX/XXXX Account was never used and I never opened it. XXXX Department Store sent to collections right away before I could pay the balance of {$300.00} and shows closed on XX/XX/XXXX, XXXX XXXX XXXX   Closed XXXX XXXX  XXXX XXXX, XXXX. I believe I am a victim of identity theft I have had numerous collection companies calling my work and colleagues threatening to take me to jail if I don't pay. I have disputed these accounts. I also had an account with XXXX   which no longer exist and I took a second loan out to pay the date with XXXX and paid them off but now I have another collection company who said they bought the bad debt which was paid off 10 years ago but XXXX was original creditor which I did not take a loan with them and a new collection company is XXXX XXXX XXXX opened collection on my account XXXX XXXX, XXXX saying I owe them XXXX which I am disputing. XXXX XXXX says I owe them {$730.00} for not returning cable equipment which was returned and they sent account XXXX XXXX and I am disputing but constantly get the run around. XXXX XXXX I had my second with them my first was with XXXX XXXX. They gave me the run around when I was trying to save my home XXXX XXXX XXXX XXXX XXXX, Ca XXXX. They never gave me options to save my home and I went with a lawfirm that I believe was in cahoots with XXXX. My home was foreclosed XX/XX/XXXX. So XXXX   and no where to go with my XXXX children. I found a realtor to help my find a home to rent. XXXX wrote a letter to stating the second was paid in full and that foreclosure would not be on my account which I thought was weird at the time. XXXX paid off my first with XXXX and continued to give me the run around and said the only way I could save my home would be to pay the loan XXXX which was impossible. I was past due {$51000.00}. I asked if I could reschedule payment of {$1500.00} and they said no. I was try to get back on track.Then I see that CFPB filed a suit against them for the exact same thing that I went through in XXXX, XXXX, XXXX. I was never contacted about the lawsuit. XXXX XXXX @ XXXX XXXX XXXX XXXX  Ticket # XXXX wrote a letter stating mortgage was current and paid in full and would not put foreclosure on credit and it is on it. I am trying to buy a home and now it appears. I lost my home and 17 years of equity because they were giving me options and paperwork and then stating certain things had to be done. CFPB File No. XXXX and identified the that they were in violation. I never received any payment from XXXX only a letter stating that my loan was paid in full. I am hoping CFPB can help me restore my credit so I can buy a home and move forward.

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 2020-07-31 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: IN

Complaint narrative:
I have tried to fix an error on my credit report, and Transunion has done nothing but make it worse. Upon their " investigation '' they not only claim everything is " right '' while at the same time adding new incorrect addresses to my Credit profile. They're addressing the wrong name and now I'm concerned they are going to start mailing non-public information to some of these new addresses. After 5 phone calls, faxing information, and mailing information, they still are not grasping their error. The error is completely on the Transunion side as no other credit furnishers are reporting this information. They have combined my social with someone else 's name and credit 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 non-monetary relief
Consumer complaint received 2020-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
possible identy theft. received calls from 2 companies stating someone has tried to open new accounts. called a new one, and they flagged as fraud. we called all 3 credit agencies, and 2 put a fraud alert. however, equifax refused to do it on line or via phone, and demands we send letter with ss, dl copies etc. in order for them to put a fraud alert on my account. they refused to tell us anything except some info was missing from my account etc. This is going to delay a fraud alert with them and may cause futher damage. we are trying to get ahead of this, but they refuse to help except sending personal info by mail. this is prob from the breach of them who we were listed on, and they won't help.

All we want is a fraud alert NOW ... ... .not in another 2 or 3 weeks. Can you help!?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
These people have called me five times today, two times in less than a hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received an email notifying me that Cit reduced my credit limit down to the balance on my card. This gives the appearance that I have maxed out my Citi credit card. There is no explanation for this. I got this card last year after receiving a promotion in the mail for an interest free balance transfer. The only charge to this card was the balance transfer, which was about 30 % of the total limit they offered. My limit was {$9200.00}. I have not charged anything additional to this card. I try to keep my credit utilization under 30 %. I have never missed a payment and always pay more then the minimum balance. There is no reason for Citi to have reduced the credit limit, which will cause my score to decrease significantly. This will have a tremendous negative impact on my credit. The country is in a financial crisis due to COVID and I have done everything right. Thankfully, I still have my job.The same job I have had for almost 14 years. I have paid all my bills on time and have a 100 % on-time score. Ive never been late on any of my credit payments and have not asked for any kind of COVID forbearance. I do not know why they would treat their customers like this during such a trying time. Its going to ruin my credit. I just want them to increase the limit back to what it was. I have no plans of jacking the card up to the limit. I will even agree to not charge anything additional if that is what they are worried about if they will just increase the limit back to where it was so that it doesnt look like I maxed out a credit card. Quite frankly, how can this be legal. They literally have the power to ruin someones life without good reason. And Im trying to buy my home. This is devastating to my financial well-being.

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 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OR

Complaint narrative:
Our names are XXXX and XXXX XXXX and we tried to do a refi with Amerisave.com at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Their phone is ( XXXX ) XXXX. They made us pay a {$500.00} application fee. We gave them all the information needed. Then when I asked to check for a lower rate, They ignored my calls and emails and emails sent to the customer service. I gave them everything they needed and then they never got back with me for approving the loan. I would like them to refund my {$500.00} application fee. My wife is XXXX and they might not have given us the loan because of that.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-31 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: CA

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/XXXX but I still have not received a response. Due to Covid 19 I expect things to be delayed a little, but it has nearly been 2 months now. The bureaus are supposed to have 30 days to respond to me so they are clearly in the wrong at this point.

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 2020-07-31 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: CA

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/XXXX but I still have not received a response. Due to Covid 19 I expect things to be delayed a little, but it has nearly been 2 months now. The bureaus are supposed to have 30 days to respond to me so they are clearly in the wrong at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: GA

Complaint narrative:
Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XX/XX/2019 XXXX I disputed this account stating I have no knowledge of this account and they sent a letter trying to get me to pay 10 % off

Company response to consumer: Closed with explanation