vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: CO

Complaint narrative:
My mortgage was being serviced by : AIM Loan Servicing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX I refinanced my loan on XX/XX/XXXX2020 with a different lender. The payoff with AIM was processed by them on XX/XX/XXXX, XXXX day after they received the payment disbursement from the title company on XX/XX/XXXX. That is problem 1. 
I called to inquire about when I could expect to have my escrow refund in the amount of {$2800.00} mailed to me. They stated that their policy is to hold the payment for 15 business days and then it would be mailed to me on XX/XX/XXXX. On XXXX/XXXX/2020, I called to verify that they indeed mailed my refund check. To my surprise, they had not mailed it. They claimed that because there was a hold for regular disbursements XXXX taxes and home owners ) that they for some reason did not recognize the loan was paid off and so did not issue my check after the 15 day hold period. They did state that they would now request that my check be issued, but in order to process that request it would take another 3 business days. So at that point, they will have held my escrow balance for an additional 7 business days beyond the original 15 business day holding period interest free. That is problem 2. This seems to me to be very questionable, and if these so called delays and hold times are typical, they could actually make a decent amount of money just on the interest from the escrow balances on customer 's accounts. This should be taken seriously as this is not their money. They hold it in good faith, and I feel that has been betrayed. Had I not inquired, who knows how long they would have held my money. I escalated to a manager, and he escalated to their escalations team, but said I would have to wait up to 24 hours just to talk to them. I am requesting that they issue my check immediately and overnight the check to me, but I have not been contacted yet by their escalation team. I want this investigated by you so that hopefully this will bring attention to unethical practices and prevent future customers from experiencing at best this poor administration and at worst corporate corruption.

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: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Currently hold only one credit card- Best Buy VISA that I have been paying in full every month for the last year. My problem started three months ago after paying off in full, my account never gets credited and prevents me from using my card, when I contact Best Buy VISA they tell me my Bank has not Cleared my transfer? I contacted my bank and they are concerned some type of creative financing at Best Buy VISA is going on since I send in full almost XXXX each month! My Bank has records of proof that the electron funds transfer to Best Buy VISA had cleared immediately? Im Retired and have enjoyed using the Best Buy VISA, and now concerned a highly reputable company is taken me for a ride on their behalf? Could this harassment to me be due to not paying the interest fees most consumers pay each month for not paying in full each month? Im also Retired XXXX and have other means to air dirty laundry on companies who treat people with disrespect! I work very hard to stay fiscally inclined during my lifetime and concerned for the new generation operating these companies? Best Buy CEO just mentioned in a letter Economic Havoc our countrys facing and I would love to continually help if I could use my Best Buy VISA without waiting two weeks? Im hoping this complaint submission helps resolve my problem with Best Buy VISA card so I can help support out our countrys financial crisis were experiencing! 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I HAVE PREVIOUSLY REPORTED THIS ACCOUNT AS FRAUD/ IDENTITY THEFT. THIS ACCOUNT DOES NOT BELONG TO ME AND XXXX  IS THE ONLY BUREAU THAT HAS NOT REMOVED THIS ACCOUNT FROM MY CREDIT PROFILE

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 — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Ive received a debt from XXXX XXXX XXXX/Syncb since XX/XX/2018 saying I owe them for lord knows what. I never received a bill or a letter, nor have I ever even applied for whatever credit card this is for.

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: 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: CA

Complaint narrative:
At the end of XXXX of 2020, I received a notice from a website I use called XXXX that a new account had been opened in my name. It was a XXXX XXXX account, which immediately I knew to be fraudulent, as I have not set foot in one for over 2 years. I immediately contacted the credit company to let them know about the fraudulent account, and did what I could to freeze my credit report to prevent further fraud. I was not informed that I would also need to file a police report and notice with the FTC about the stolen identity, and as this was my first time, I was completely unaware of how to do so. Once I took that action, I waited to hear back. The XXXX and XXXX XXXX people reviewed my account and decided I was lying, so they reopened the account. I then contacted Equifax and XXXX  to get them to remove the account from my credit report as it was fraudulent. XXXX  did it no problem. Equifax refused to do so and continues to refuse to do so, and also refused to provide any insight as to what I can do to fix this fraudulent account on my report as they think I'm lying.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Greetings CFPB : Thank you for receiving my complaint. This message is about a closed revolving credit line still reported as open. 

I opened a revolving credit line with XXXX ( IL ) in XXXX, called " XXXX XXXX '', and paid it in full satisfactorily during XX/XX/XXXX ( this is currently confirmed by their own reporting ). It was closed at that time, and my available credit was reduced to XXXX. 

Now, nearly ten years later, that account is still listed on my online banking profile within the bank itself. I receive warnings from my financial advisor that the number of accounts on my file is a problem which is lowering my credit score. The XXXX   available credit currently reported also negatively impacts my credit utilization, doubling the negative effect of this decades-long situation. That lower credit score has caused me to suffer from higher interest rates, particularly high-value ones like the 30 year mortgage I obtained in XXXX, and hope to refinance to a rate reflective of my true credit worthiness. 

I have tried to get this removed with XXXX directly, and also disputed it with the credit bureaus, to no avail. XXXX reaffirms their reporting, despite simultaneously reporting that the account has XXXX balance and XXXX  credit available since XXXX, and that there has been no balance nor any credit availability for a decade. I am helpless in this situation. 

Kindly request that they correct their information system and accurately report the status of my relationship with them to the credit bureaus. This account was closed. 

Thank you, XXXX XXXX XXXX XXXX, IN 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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Greetings CFPB : Thank you for receiving my complaint. This message is about a closed revolving credit line still reported as open. 

I opened a revolving credit line with XXXX ( IL ) in XXXX, called " XXXX XXXX '', and paid it in full satisfactorily during XX/XX/XXXX ( this is currently confirmed by their own reporting ). It was closed at that time, and my available credit was reduced to XXXX. 

Now, nearly ten years later, that account is still listed on my online banking profile within the bank itself. I receive warnings from my financial advisor that the number of accounts on my file is a problem which is lowering my credit score. The XXXX  available credit currently reported also negatively impacts my credit utilization, doubling the negative effect of this decades-long situation. That lower credit score has caused me to suffer from higher interest rates, particularly high-value ones like the 30 year mortgage I obtained in XXXX, and hope to refinance to a rate reflective of my true credit worthiness. 

I have tried to get this removed with XXXX directly, and also disputed it with the credit bureaus, to no avail. XXXX reaffirms their reporting, despite simultaneously reporting that the account has XXXX balance and XXXX  credit available since XXXX, and that there has been no balance nor any credit availability for a decade. I am helpless in this situation. 

Kindly request that they correct their information system and accurately report the status of my relationship with them to the credit bureaus. This account was closed. 

Thank you, XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have an account with Paypal Credit. I have multiple Promotions on the account. They do not have a way to allocate your payments online so they tell you to chat or call in. I have a promo that ends XX/XX/XXXX so I wanted to pay it off so I do not have to pay any interest. I got on chat with two different people. I was told to make the payment and they would allocate it. Once I made the payment they told me that the payment would go toward next months bill and I had to pay more if I wanted to pay off my promo and not be charged any late fees.This is just not right. They do not want you to pay off the bill so they can charge you fees. Something needs to be done.

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 — 
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Greetings CFPB : This message is about a closed Citibank revolving credit line still being reported as open. Thank you for receiving my complaint. 

I opened a revolving credit line with Citibank ( IL ) in XXXX, called " Ready Credit '' ( now called " Checking Plus '' ), and paid it in full satisfactorily during XX/XX/XXXX ( this is currently confirmed by Citibank reporting to credit bureaus ). It was closed at that time, and my available credit was reduced to XXXX. 

Now, nearly ten years later, that account is still listed on my online banking profile within the bank itself. I have tried to remove it but they say it is closed and not to worry. They do not seem to know how to remove this old account. The XXXX  available credit currently reported also negatively impacts my credit utilization, doubling the negative effect of this decades-long situation. That lower credit score has caused me to suffer from higher interest rates, particularly high-value ones like the 30 year mortgage I obtained in XXXX, and hope to refinance to a rate reflective of my true credit worthiness. 

I have tried to get this removed with Citibank directly, and also disputed it with the credit bureaus, to no avail. Citibank reaffirms their reporting, despite simultaneously reporting that the account has XXXX balance and XXXX  credit available since XXXX, and that there has been no balance nor any credit availability for a decade. I am helpless in this situation. 

Kindly request that they correct their information system and accurately report the status of my relationship with them to the credit bureaus. This account was closed. 

Thank you, XXXX XXXX XXXX XXXX, IN 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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC

Complaint narrative:
Capio partners continues to send us debt collection notices in the mail and call to harass us saying we owe money to urgent specialty associates. I have talk to the billing company affiliated with them on three different occasions and they say that they did not sell them the debt and they dont even use them as a collection agency. They have also told us three separate occasions that we do not owe anything to them. We have provided this information to Capio on several occasions and they still continue to call us send us notices and harass us to send them a check in the mail. They have never been able to confirm the doctor trying to collect the debt or the service that was rendered regarding the debt. This is very concerning. We believe this is a fraud and we will not send money to anyone that just asked us for money without confirming with the doctor that we owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vinci Law Office, LLC
State: WY

Complaint narrative:
I have been paying on this account since XXXX. It began with moving out of an apartment before the lease was over. I tried everything I could to have an agreement with them. And finally I could not pay rent anymore, so I cleaned the apartment and left before I was living there past what I had paid. Without hearing from them for a year, they turned me into a debt collecting agency. I began getting mail from an office called XXXX XXXX, and after that they sent me to Vinci Law Office in XXXX, CO. They have not been helpful to me, and I have paid WAY more than what is accounted for on my account. I started at around XXXX. Made my first payment on XX/XX/XXXX. I pay {$250.00} a month. I have in total paid {$2700.00}. However, my balance is still at {$5100.00}. There is almost XXXX not accounted for. They never tell me my balance online, they call me and demand money I have already paid, and much more. They have done nothing but make this worse!!!

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: LA

Complaint narrative:
i notified the credit companies and disputed fraud accounts on my credit report and nothing has changed since last year

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
i notified the credit companies and disputed fraud accounts on my credit report and nothing has changed since last year

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
I booked 5 flights through XXXX online Travel for myself and family. The airline is XXXX. The flight was booked XX/XX/XXXX. The flight was scheduled for XX/XX/XXXX. The flight was paid in full using my USAA credit Card. The flight was cancelled and the company XXXX  and XXXX are refusing to refund my monies, so I have turned to my credit card company USAA and they informed me that since I did not file the dispute 60 days following the close of that billing cycle that they could not help me. The issue is that I had no idea that XXXX was going to cancel the flight 9 months later and refuse me of my refund. I did not have a magic ball to see into to the future, so there is no way to file a dispute with the credit cards 60 day window when the flight was not cancelled until over 9 months later. Please assist a XXXX XXXX  XXXX XXXX XXXX Vet for monies I much need!! thank You

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 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: MS

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am not able to lift my Equifax security freeze. I can not log into my online account. Whenever I try, I receive a message saying that I have to call Equifax. I have tried resetting my password with the same result. 

It is not possible to call Equifax. I have tried many, many times. After answering all the personal identity questions, I am required to answer four questions about items on my credit report. The questions sometimes span over a decade. I am not sure of all of the answers. Does anyone know for sure what store they bought something from eight years ago? I can not look up the answers because it is impossible for me to get my credit report from Equifax. 

Six months ago I finally wrote to Equifax. They requested me to mail them photocopies of certain IDs and I did so. As a result they lifted my credit freeze for three weeks. This was useless to me as I did not need it lifted for that period. They did not fix my log-in problem. The phone number they gave me to call if I had any questions resulted in the same problem I described above. So writing to them was also useless. 

I can not log into my Equifax account. I can not contact Equifax by phone. When I contacted them by letter, they did not fix the problem. PLEASE HELP ME!

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: CITIBANK, N.A.
State: CA

Complaint narrative:
At the end of XXXX of 2020, I received a notice from a website I use called XXXX that a new account had been opened in my name. It was a Best Buy account, which immediately I knew to be fraudulent, as I have not set foot in one for over 2 years. I immediately contacted the credit company to let them know about the fraudulent account, and did what I could to freeze my credit report to prevent further fraud. I was not informed that I would also need to file a police report and notice with the FTC about the stolen identity, and as this was my first time, I was completely unaware of how to do so. Once I took that action, I waited to hear back. The Citibank and Best Buy people reviewed my account and decided I was lying, so they reopened the account. I then contacted XXXX   and XXXX  to get them to remove the account from my credit report as it was fraudulent. XXXX  did it no problem. XXXX   refused to do so and continues to refuse to do so, and also refused to provide any insight as to what I can do to fix this fraudulent account on my report as they think I'm lying.

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