vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 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: NY

Complaint narrative:
I had an XXXX  account on my credit report that did not belong to me nor did I have a contract with. I submitted a XXXX  complaint and got a response from the company. They stated that they will inform the 3 credit bureaus that they will remove the account. I have the letter from the company as well as my XXXX  complain number Complaint ID : 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 non-monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: AE

Complaint narrative:
My mortgage with XXXX XXXX was transferred to BSI Financial Services. BSI 's website has no email for customer service. Their phone number puts you on hold and if you are on hold for more than 10 minutes, they force you to leave a voice-mail and then disconnect your call. I have been trying for several days to get in touch with them and it is impossible to speak to anyone to make my mortgage payment. In searching online, this company has disregarded people 's attempts to contact them to the point of penalties and foreclosure. There are nothing but complaints for this company. I have already contacted XXXX XXXX to tell them to never sell off a debt to this company again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I'm trying to attach my checking account to XXXX. The response is that my institution won't allow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
It would not allow me to submit my credit 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 2020-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I called American Express during Cov19 and asked about any way to skip payment due to the virus. They stated that I could lower my payment but not skip a payment. I said that would be great as long as it did not effect my account or credit. They stated everything would stay the same including my credit limit and I could continue to spend. So they set up a Automatic payment because this was the only way to get into the program an started drafting money out of my account during the historic disaster. But what they did that really upsetting was removed all my credit that has taking me 10 years to build up and make my new balance the same as what is due and removed all credit I had built up over multiple years. I called back in but they say that due to the virus the are taking too many escalation calls and would have to call me back, no calls back. I have made two calls with no success to resolve this matter and they keep drafting money out of my account and will not stop. This is predatory behavior for good customers and all they are worried about is the money during a disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hey back on XX/XX/2020 I had applied for different XXXX cards and they had denied me but said if I can prove within 90 days there information was inaccurate they would approve me under the fair credit reporting act and reverse the decision. The application # was XXXX & XXXX. I will send you my transunion score and utalization they said was high but it's only 2 percent so was looking for them to reconsider. I'll also send you letters they sent me saying utalization was the issue I knew they were mistaken. I called today they said transunion I need to contact. Transunion said everything is good and I need to tell XXXX  that but going around in circles.

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 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
The credit card company closed my card without notice on XX/XX/2020. I was not past due or defaulted on any payment. As a result of the closure my reward points could not be used. I was told that I did not have enough reward points to redeem. If I had been given notice of closure of my account I could have ensured that I have enough points to redeem. The lost value of my points is around {$20.00}.

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 2020-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
On XXXX, I opened a " High-Yield '' savings account with Citibank by clicking through an offer provided to me in the Citibank mobile application. As shown in the attached screenshot, the rate that was advertised to me was 1.6 %. I had to call Citibank Customer Service later that day on an unrelated issue and asked them to confirm the interest rate since the online banking portal showed a rate of 0 % on the new account. They told me that they thought the rate would be 1.55 %, but that they could not be sure because the account was so new ( a few hours old ) and asked me to call back the next day to confirm. Because of the apparent discrepancy, I went back to the mobile app and took a screenshot showing that 1.6 % was being advertised. When I checked back the next day, they confirmed that the rate was not what I had been shown. After a few days of getting nowhere with their customer support, they finally opened a " request '' on my behalf on XX/XX/XXXX to investigate the issue. On XX/XX/XXXX, they responded with a letter saying " We reviewed our record 's [ sic ], as per our research interest rate is 1.40 %. We have confirmed that this was calculated correctly and no adjustments are necessary. '' So they were now saying that the rate should only have been 1.4 %, not 1.6 % or even 1.55 %! After calling the bank again and once again getting no satisfaction, I decided to open a complaint here. While I understand that interest rates can change on an account after it is opened, the banks should be required to at least START at the rate advertised when someone signs up for an account.

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 2020-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I am doing this complaint against my current servicer, Rushmore Loan Management and the previous servicer, XXXX XXXX Mortgage regarding the inaccurate information reported on my credit reports regarding my payment history. I have attempted to resolve this with XXXX XXXX Mortgage for many years with no resolve as they have always told me I was 30 days behind but they could never produce when I actually became behind stating that their records only went back to XXXX. My payment is due on the XXXX of the month and I always pay at the end of the month. Then when my loan was transferred to Rushmore Loan Management, on XX/XX/XXXX, they are now stating that I was 30 days late in XXXX, XXXX due to the fact that XXXX transferred it to them 30 days behind, they couldnt report any derogatories because of the 60 day transfer rule and now I was late again. This is totally wrong and confusing. I am in the middle of trying to refinance my loan for a lower and fixed rate loan. My credit report is showing that I had a 30 day late in XXXX, XXXX and now a 30 day late in XXXX of this year. 

This is not true. I have attached my XXXX XXXX receipts and proof of payments from XXXX, XXXX through XXXX, XXXX. I need this information corrected immediately as it is a violation of my rights to not be able to get accurate information from my servicer all these years and that I have made payments every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I had been working with XXXX on a loan modification. Somewhere around XXXX - XXXX of XXXX, the loan servicer changed to LoanCare. In XX/XX/XXXX I made the three trial mortgage payments as requested ALTHOUGH I did not agree with the monthly payment amount they came up with -- there was not even a {$100.00} difference between the amount I had been paying and the new amount. I am wondering how that is supposed to help me, but I made the payments just the same in good faith. 
I requested that LoanCare lower the mortgage payment ... I even requested a particular underwriter who would be willing to work to lower the payment by tacking on the difference via a " silent second '' mortgage payment. I did not get this as requested, instead I was told to " lower my hazard insurance, '' and that I " live in an expensive area ; that's why the mortgage is so high -- it's because of the taxes. '' As you can see by the attached letter sent under XX/XX/XXXX email, you can see that somehow LoanCare did not even apply the three months ' payment I sent them -- they were disregarded, the home was put in jeopardy. This is unacceptable. I am willing to pay the mortgage ; I am looking for a more favorable monthly payment. 
In a XX/XX/XXXX email, I was able to send the final piece of information that the company sought -- a Profit & Loss Form. At that point, I was hoping to receive a lower monthly mortgage payment. 
Following up on XX/XX/XXXX, I learned that the house is in foreclosure and the matter has been referred to attorneys!!

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 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
To whom it may concern : On XX/XX/2020 my account was overdrawn {$280.00}. 
On XX/XX/2020, I received my Stimulus Check for {$3400.00}. The day after on XX/XX/2020. I recieved another deposit from Wells Fargo Bank, stating that they were giving me a credit of {$280.00}. To cover the negative balance in my account. To allow my Stimulus Check to be processed. 
However, I didn't not need or ask to receive this credit, Because once my Stimulus Check cleared it would have covered the negative balance in my account. 

Now two months later on XX/XX/2020, I receive an email from Wells Fargo, stating that on XX/XX/XXXX, they are going to reverse the credit of {$280.00} on my account because it was only meant to be a temporary credit. Which will now put my account back in the negative, and in addition I will receive a {$35.00} overdraft fee. 
As a customer, I believe that this is completely frustrating. This decision that Wells Fargo is making does not show me that my financial institution is setting me up for financial success. It shows me that they want to keep their customers who are struggling to make it day to day during Covid-19 in financial ruin. 

If someone please advise me on what to do that would be greatly appreciated. Thank you. 

Sincerely, 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 2020-06-09 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: TX

Complaint narrative:
I was a victim of identity theft several years ago and have been trying to resolve this issue with the credit bureaus. The account for XXXX XXXX  is still on my credit 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 2020-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX of 2020, I received a call from a number identifying themselves as a representative of MRS BPO , LLC asking for my social security number. I was uncomfortable providing my personal information to a number and company I didn't recognize and asked for mail correspondence to confirm their existence. I received that letter on XX/XX/2020 indicating that I had owed XXXX ( account XXXX ) nearly {$150.00} for an unidentified service. I contacted XXXX to understand what the charge was for. I called multiple times and went to two of their local stores, each time being told that I did not have an account with XXXX. I filed a dispute letter with MRS BPO sent XX/XX/2020 and received by certified mail on XX/XX/2020 explaining that I had no services through XXXX except for my parents ' phone plan, but that my parents covered that bill and it would not be charged to me. 

I did not receive a response within 30 days nor have I received any response thereafter, and I allowed MRS BPO an additional month due to delays that may have occurred during the pandemic before filing a dispute with the 3 credit reporting agencies on XX/XX/2020. I learned following the filing of the dispute letter that this debt collection action was reported to the credit reporting agencies. I am awaiting a response from those credit agencies within the next few weeks. 

However, I received a letter on XX/XX/2020 from a group identifying themselves as XXXX XXXX trying to collect the same debt. I am initially concerned that MRS BPO is trying to skirt the protections of the Fair Debt Collection Practices Act by assigning the debt to a new company after receiving my dispute letter, which put MRS BPO on notice that it could not make attempts to collect on the debt. I guess I now will have to dispute the debt with XXXX, taking additional time and money. 

I still have not received any information that I owe XXXX any money, and they have confirmed to me by phone and in person that I do not have an account with them. I have not received any services from XXXX outside of my parents ' phone plan. Now, I am dealing with 2 debt collection agencies without having been apprised of the grounds for the debt collection action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XXXX Is still reporting that I have a balance on my XXXX  and XXXX  reports and they are not reporting that I have a XXXX Balance on these reports. This is not the first time that XXXX has been caught reporting illegal things on my report. First its late pays and now incorrect balances. This card has been paid off and should be reporting the bureaus as such. Straight violation of the FCRA.

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 2020-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I the Capital One customer team about using some of my personal line of credit to open a business line of credit. They told me to send a letter to the Capital One Customer Care Team at XXXX. XXXX XXXX XXXX XXXX, UT XXXX. They fraudulently reduced my credit limit without my permission saying that I gave them permission. I would like them to open my business account as they promised. 

- I sent my letter credit transfer request XX/XX/2020 - I received credit limit decrease on XX/XX/2020 - I called into Capital One on XX/XX/2020 and spoke with XXXX to have her correct the issue. She then connected me to her supervisor, XXXX who said he was unable to help. 

Credit card # : XXXX Case # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX {$420.00} XXXX  XXXX XXXX {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of identity theft several years ago and have been trying to resolve this issue with the credit bureaus. The account for XXXX XXXX  is still on my credit 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 2020-06-09 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: FL

Complaint narrative:
The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. XXXX XXXX, XXXX XXXX, 2020, XXXX XXXX  XXXX XXXX XXXX XXXX, 2020, * XXXX XXXX  XX/XX/XXXX, 2020, and XX/XX/XXXX,2020. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, 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 non-monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK
State: AZ

Complaint narrative:
Stop placing holds on my account. A check was deposited on XX/XX/2020. It has been ten business days and the item is still on hold by your bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/2020 I called Kroger XXXX, XXXX, XXXX credit card company and requested to have my credit card deferred. At that time, I was told my card would be deferred for 3 months with no interest or fees. 

I received my first bill after my request was made and I was surprised to find an interest charge for {$23.00} had been applied on my statement. Shortly thereafter I phoned the company and spoke with XXXX after explaining I was transferred to the supervisor XXXX who then told me I would be receiving a call from XXXX ID # XXXX. I received the call on Tuesday XX/XX/2020. She told me that her company had a different definition for deferring credit cards. Please tell me sir how can a company create their own definition for a word to suit the company? 

I understand the difference is the following : DEFERMENT vs. FORBEARANCE Credit card deferment describes a situation where you are able to skip your payments for a limited time, yet interest does not accrue on your balances. 

Credit card forbearance, on the other hand, describes a situation where you are able to skip payments on your credit card for a limited time, yet interest does accrue. 
Therefore, I feel as if I have been misled and the company refuse to acknowledge this fact. I would like this matter reviewed and corrected. 
I can be reached at ( XXXX ) XXXX or email me at ( XXXX ) I appreciate any help you can offer, thanks.

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