vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
FRAUDELENT ACCOUNTS ON MY CREDIT REPORT THAT DOESNT BELONG TO ME

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 2020-03-22 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:
FRAUDELENT ACCOUNTS ON MY CREDIT REPORT THAT DOESNT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have called multiply times in last 3 months said system down call back than tried internet and says no internet everytime .this is Equifax while both other creditors removed caused I paid my bill months ago. Than I called few more times got XXXX  who couldnt help then us line says I'm not me and wont help fix or give me management. This is the worse company ever. Please please help me. Thank you very much for time and help it's a chiropractor bill for XXXX dollars .ty

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/XXXX, XXXX Complaint Department Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, Per previous outreach regarding the unknown inquiries, I was told to contact the creditors regarding the removal of the unknown items. I contacted all creditors and asked them to remove their credit inquiry 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 2020-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
We made a purchase of {$11000.00} as part of a credit card promotion : Pay no interest if paid in full within 6 or 12 months. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the 6 or 12 months or if you make a late payment. **No Interest if paid in full within 6 or 12 months. Interest will be charged to your account ( at the standard, variable APR of 29.49 % based on the Prime Rate ) from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments are required for this plan during the promotional period. Required minimum purchase of {$500.00} for the 6 month plan or {$1500.00} for the 12 month plan. XXXX XXXX Credit Card Accounts are offered by Comenity Capital Bank, which determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than {$27.00}. Minimum Interest Charge is {$2.00}. Standard variable APR of 29.49 % based on the Prime Rate. 
Payments of {$650.00} were made by automated payment setup through our bank on or around the XXXX of every month to waive interest costs if paid in full by the term 's due date. Monthly due dates were on the XXXX of each month. However, the last month 's payment date was on the XXXX of XX/XX/2019. The payment was made in that month on the usual date of the XXXX, which was still only six days late. We realized our mistake after thinking everything would be automatically taken care of and called the XXXX XXXX credit card customer service which is Comenity Bank. We were passed around from person to person while they claimed that our issue was being escalated. Every response was the same and no negotiation took place at all. We feel that the early due date on the last month is to intentionally trap people who use automated bill payments or those who budget bill payments at the end of the month. We think that due to the fact no one would try and negotiate with us, and being so obtuse, when all our payments were made in good faith, indicates they intentionally try to trick people into paying the 29.49 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I have two vechile on my credit report that been on car accidents that the cars are total out. One car was payed off. The other car was not payed off.

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 2020-03-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax has accounts that are over 9 yrs old on my credit I been disputing them and equifax does not do anything just leaves them on understand investigation and its been 90 days equifax needs to take these off of my credit if the companies dont respond its well pass the time frame to respond and to be on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank
State: AL

Complaint narrative:
On XX/XX/XXXX i noticed several charges/withdrawals on my Synovus Checking Account : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and a XXXX. Also a mobile check deposit of XXXX, deposited into my checking account. I notified the bank that my cell phone, 2 XXXX XXXX cards, Synovus bank card, my drivers license and military id were taking from my hotel most likely by my now ex girlfriend. She had overheard my phone conversation a few weeks earlier resetting my debit card pin with a Synovus agent and my phone apparently auto saves passwords giving her access to my banking information and the ability to deposit checks. I informed Synovus I did not give access or give her permission to use any of my stuff and i'm the only authorized user on the accounts. Also informed them I never use mobile deposit and they should be able to verify that. I filed a police report and a FTC Form and supplied it to Synovus. I received notice on XX/XX/XXXX that they are not going reverse the charges because they think they are correct. when i reached out to Synovus I was told by bank manager, XXXX XXXX, I was responsible because i gave access to my phone to my ex girlfriend and it was my responsibility to keep my wallet and phone protected in my house to were she couldn't get it. I informed him again I never gave access to her and she isn't a authorized user but once again i was told it was my fault she took my phone and wallet and they are not going help. I have requested the documentation that they are using to come to their conclusion but I keep getting hung up on or told there is nothing i can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: PA

Complaint narrative:
I was not informed that I can dispute this debt, I tried multiple times to settle this with no response from the collection company. I was never informed I can dispute this debt, nor was I informed that this debt was being sold. So, I never gave my permission to sell my debt to a third party. At this point I would like this to be removed from my credit. I have no credit and want to build, that is why I have been trying to reach out to settle this, with this on my credit, my credit is growing slower. If this can be resolved, it would be amazing for me right now. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: KS

Complaint narrative:
We recently completed two balance transfers with First National Bank of Omaha. The current balance is about {$11000.00}. 

First of all, I have no idea how FNBO is calculating the minimum monthly payment. If you review the statement due on XX/XX/2020, it states the minimum monthly due is {$400.00}. In the minimum payment warning box, it states if only the minimum payment due is made for the next 9 years, an estimated total of {$13000.00} will be paid. The interest rate is fixed and 5.99 %. For 9 years, there are 108 months. If {$400.00} is paid over 108 months, the amount paid would be {$43000.00} instead of {$13000.00}. 

The prior month, it stated {$480.00} was the minimum due. The statement said if paid off over 10 years at the minimum monthly payment, an estimated total of {$14000.00} would be paid. For 10 years, there are 120 months. If {$480.00} is paid over the 120 month period, the amount paid would be {$58000.00} instead of {$14000.00}. 

Then, in the same boxes, it shows how many years it would take to pay off the balance if a higher amount is paid. For example, if you review the statement due on XX/XX/2020, it suggests paying {$350.00}. This isn't even the minimum monthly due reflected on the statement. It states the time to pay off the balance would be 3 years and the estimated amount paid would be {$12000.00} with a {$670.00} savings. If you review the statement due on XX/XX/2020, it suggests paying {$370.00}. This is not the minimum monthly due reflected on the statement. It states the time to pay off the balance would be 3 years and the estimated amount paid would be {$13000.00} with a {$700.00} savings. 

And, I was shocked to see how much my minimum monthly payment is after the balance transfer. The credit card statement doesn't state what percentage the payment is based on and the credit card agreement is vague at best. Under Payments, section B, it states the amount of my minimum monthly payment is indicated on my billing statement and calculated as shown on the schedule. Based on the payments on my last three statements, the percentage is as high as 4 % and as low ar 3.5 %. So, there is not a stable percentage that the minimum amount due is based on. 

I am attaching my last 3 billing statements and the cardholder agreement. There is something wrong with the way they are calculating the payment as well as the amounts under " minimum payment warning ''.

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 2020-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
Vehicle was repossessed and returned to me the same day with payment and negotiated agreement 2yrs ago. No payments since were reported to credit bureaus after several complaints. The vehicle was later totaled in wreck mid 2019 but monthly payments were still made and never reported. An agreement was then made to pay a negotiated pay off amount of XXXX divided into 4 payments. The last payment was granted to be divided into 2 payments and made only a few days apart in XXXX due the Covid 19 and temporary Job loss. The final payment was completed on XX/XX/XXXX. On XX/XX/XXXX I called Santander over 6 times over the course of 3 hours to confirm confirmation of the final payment being made and to ask what the turnaround time would be before being reported to the credit bureau, but the automative service continuously disconnected me and became a dial tone each time. This has thus far been the absolute worst and unorganized company to work with and has caused many credit score issues. Its paid in full and I just need it disappear from my life completely in order to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had left town on XX/XX/20 around XXXX. I returned around XX/XX/20 and checked all of my accounts per usual and noticed fraud. The only person that had access to my home was the housekeeper in which I trust. 
XX/XX/20 XXXX, XX/XX/20 XXXX, XX/XX/20 XXXX, XX/XX/20 XXXX, XX/XX/20 XXXX and XX/XX/20 XXXX. I did not authorize nor make the above indicated charges. I received documents " Declaration of Fraud '' and turned them in. I dont believe that American Express even investigated and if they did not thoroughly. My claim was later denied and with the coronavirus pandemic and my job closed I NEED MY FUNDS THAT WERE STOLEN. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX, Administrator and owner at XXXX XXXX XXXX, My address is : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX On XX/XX/2020 a Solar company showed up on my door steps discussing a possible Solar panel to be installed on my roof. Company name " XXXX '' I was told that we needed to have a Fico score of XXXX  or higher. On the day of the visit I id not provided the company with all the information they required.I was to meet and discuss the details the next day but since the home in question is a Residential facility for the disable children we were instructed by the governor of California to keep all people we do not know at bay. The company was informed of this changes the following day but my Credit was pulled the day of the initial visit without me giving consent. When asked why they reported the inquiry as a loan I was told that they were not aware of this. 

My Fico score went down 13 points as a Hard Inquiry and reported as a loan. 
Sales reps.were XXXX and XXXX, two brothers XXXX. 

XXXX XXXX  XXXX  county District Manager XXXX XXXX Per XXXX  the DM I was told that he would look in to this problem after I provide him with a copy of my Bill from XXXX. California XXXX to see if I am a good fit for their company. 

At this point I am requesting the inquiry will be removed from all credit bureaus and that all my private information will be deleted from their company data for me and my sister XXXX XXXX. We would like a letter in writing stating all of this.

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 2020-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Original creditor : NORTHSIDE EMERGENCY ASSOCIATE Creditor Information RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Amount : {$1400.00} The charge amount from this hospital was not made by me or for services provided to me. I believe this charge is fraud.

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 2020-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: AZ

Complaint narrative:
There are recent derogatory entries on my credit report from Midwest Recovery Systems, dated XX/XX/2020. The derogative entry says that I have an account in collections for {$310.00} that I'm unaware of. This has damaged my credit score. I have never heard or owed money to a company called XXXX XXXX XXXX. I was not notified in writing of any such debt. The debt is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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 am writing this due to non-compliance with the with Experian and XXXX. 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Remitly, Inc.
State: WA

Complaint narrative:
the company offer the first XXXX pay off type change are XXXX dollars and they paying at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
I have a mortgage through Specialized Loan Servicing. I was behind on mortgage and took money from my 401k to get caught up. I was told one amount over the phone so I paid that amount plus an additional mortgage payment. Once the payment posted I called to see if the late fees totaling {$1100.00} could be removed and I was told I needed to email a different depart to request they be removed & I was told I should have a response within 7 business days. So after two weeks I called to follow up and was told they didnt show an email but that the rep could handle the request over the phone so he put in a request. So again, I had to wait. In the mean time I received a statement with a regular mortgage payment and another fee labeled unapplied/suspense. Confused about what the unapplied amount was for, I logged on the the website to look at the transaction & payment history. Even more confused, I called again. Spoke to a different person and the rep told me the unapplied was money left over but not enough for a full payment but I could add {$210.00} to the unapplied to make another complete payment so I did that, so now Im totally current. The problem is Im being told different stories about the late fees. 1 ) First I was told the account needed to be current before the fees could be removed 2 ) then I was told there was no way to just pay the late fee and that they would be on there for the life of the loan unless I made the payment all at once which is what I thought I did when I made the large payment on XX/XX/2020 for {$11000.00}. Because prior to making that payment, I called to get the exact amount and was told {$9800.00}. 3 ) Next, Im told to email a request, then I was told to request removal over the phone. 4 ) Now after asking about why the payments Im making arent going towards the payment thats due, I was told that I keep getting late fees because it looks like Im making partial payments when Im not. Im making a full mortgage payment. Now Im being told that they removed one late fee for {$48.00} but that is all they would do. I explained to them that {$1100.00} would be better spent on the XXXX mortgage payment but I havent been able to get a straight answer. Each person tells me something different. I asked to speak to a manager or supervisor and was told one would call me back but they have not called. Im terribly frustrated because my mortgage has been sold three times and this is the worst company I have had. The first mortgage company was XXXX XXXX then the load was bought out by XXXX  XXXX XXXX now Specialized Loan Servicing. Please help.

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 2020-03-22 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:
IVE BEEN A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: MI

Complaint narrative:
My most recent mortgage statement reflects a {$5.00} charge on XX/XX/XXXX for a Payoff Rush Handling Fee. I did not request a payoff quote on XX/XX/XXXX or any other day. I called the customer service number on my statement. The representative from the services said the request came through their automated system for someone with a phone number with area code XXXX. That number is in XXXX, Ohio and I am in XXXX  Michigan. The representative told me that she could not remove it and that I should call the phone number of that person and ask them to give me {$5.00}. This is ridiculous that a 3rd party can request a loan payoff and have it charged to my account and the servicer claims that it can not be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief