vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/2020 I had a 30 day late payment reported for the amount of {$15.00}. Prior to this payment being 30 days late I spoke with two representatives who I believe failed to provide me with all information or options based on the companies process with my account status. I made an attempt to make a payment for {$100.00} but my banking information that was saved on file was removed without a request by me. No agent was had been able to identify why my banking information was removed because I never had any returned payments. Since my banking information was no longer on file I asked to make a payment with my debit card. The agent advised me at the time she couldn't take a debit card payment and I would have to re provide my banking information. I bank with a small local credit union and at that time the credit union was temporarily closed due to COVID. For me to obtain my bank information I had to wait on the bank to respond to me through a secured messaging portal with that information. On a separate occasion I was contacted by a collections agent and explained the previous issues to her and requested to make a debit card payment with her at the time. That agent also told me she was unable to accept my payment at the time. I've attempted to resolve this issue for this past 6 months with customer service and their managers every time I call but have not been able to get any information in regards to having someone investigate if I was misinformed contributing to the 30 day late being reported. I received one call back that I missed at the time but soon after the missed call I returned the call to the manager but only reached a voicemail. I left at least 3 voicemails and never received a call back. Since I never got a response to my voicemails I started to ask for a manager every time I call to make a payment now but still haven't received one over the past 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: MD

Complaint narrative:
On XX/XX/2020 about XXXX eastern time i called XXXX  XXXX Equifax and XXXX  to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: MD

Complaint narrative:
On XX/XX/2020 about XXXX eastern time i called XXXX  XXXX XXXX  and Experian to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.

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 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Around XXXX XXXX, I sent out a certified mail to TransUnion letting them know about unauthorized credit inquiries on my report and asked for them to be removed. TransUnion failed to address the issue and delete those unauthorized inquiries. The inquires in question are below : XXXX XXXX XXXX  on XX/XX/2020 XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XX/XX/2020 XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX on 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 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MD

Complaint narrative:
1. TMS ( XXXX XXXX is having systemic IT issues negatively affecting me and several neighbors whose loans have been transferred to XXXX XXXX. I bet this is affecting their wider customer base/ 2. TMS, as the servicing arm of XX/XX/XXXX my refinance company, set up a new loan for me in its system on XX/XX/2020. No payment was due for XXXX as shown on their monthly statement ( attached ). 

3. My first payment was due on XX/XX/2020. I made the payment on XX/XX/2020. Proof of payment clearing from my bank is attached. Proof that TMS applied the payment as shown on the monthly statement is also attached. 

4. On XX/XX/XXXX TMS sent an incorrect Goodbye letter Dated XX/XX/XXXX saying that the loan will transfer on XX/XX/XXXX to XXXX XXXX, but that consumers are liable for making their XX/XX/XXXX to the new servicer which does not even have the loan onboarded. 

5. Unexpectedly, on XX/XX/2020 TMS moved my XX/XX/2020 payment to a suspense account causing me to show as delinquent on the XXXX payment. It then transferred me as delinquent to new servicer. 

6. TMS managers stated on the phone call that I can ignore the issue and that I will not be transferred as delinquent to XXXX XXXX. They apologized profusely about the incorrect goodbye letter and stated that to get it corrected I must send a Notice of Error, which I did to theirXX/XX/XXXX, CT address. I have not heard back yet. 

7. On XX/XX/2020 TMS reported me late for the XXXX payment. Again, proof of timely payment and payment application is attached. 

8. On XX/XX/2020, the new servicer onboarded the loan and stated that I was transferred as delinquent on my mortgage and that TMS never sent over the XXXX payment. The new servicer wants me to make the XXXX payment again to come current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/2020, PORTFOLIO RECOVERY A add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY A has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Dates : XXXX XXXX, 2020 Amounts : two transactions : {$410.00} and {$6.00} Transactions : " PwP AMERICAN EXPRXXXX IL '' and " PwP AMEXTRAVEL.CO '' I booked two flight tickets on XX/XX/XXXX via the American Express Membership Rewards Travel Portal. All the flight prices displayed on the website were shown in Membership Rewards Points and I have enough Membership Rewards in my account to pay for the tickets. 

After I purchased the tickets, I received a confirmation email showing the amount of points needed and one of my Amex cards were charged with the dollar amount. I called Amex and the service rep assured me that the transaction will be credited by points because it has " PwP '' in the description, meaning " Pay with Points ''. 

However, after waiting patiently for 10 days, the points were never redeemed and credited to my account, I called American Express again. This time, they said that it's because the card that I used isn't in the Membership Rewards program, therefore they were unable to redeem the Membership Rewards points. Apparently, I have two Amex credit cards, one in the MR program, and one isn't. However, when I was booking the tickets, all the pages were showing me MR points instead of dollar amount including the confirmation I received. The service rep understood my concern and said that she will escalate the case and I should call back in 10 business days. 

After 10 business days, I called again and was told that there is nothing they can do. They acknowledged that their website is confusing for consumers, but they are unable to reverse the transaction using points instead of dollar amounts, leaving me having to pay for my bill rather than redeeming the points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-12-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent out original dispute letters to all 3 credit bureaus on XX/XX/2020. After not getting any investigation results back I sent a 30 day demand to comply on XX/XX/2020. These agencies are not abiding by the law or holding up to the Fair Credit Reporting Act. I have still not received any investigation results and I want my items deleted. This is my second complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XXXX XXXX, 2020, MIDLAND FUNDING add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04 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:
There is an auto account listed on my report as a charge off, which I have no knowledge of or authorized. This is a result of malpractice or an error.

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 2020-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KY

Complaint narrative:
After reviewing my credit report and seeing XXXX XXXX I had contacted him to provide an original contract between me and them. They never verify the debt. I called XX/XX/XXXX looking to settle this unverified debt. I told them due to covid I am not working but still tried to settle the account for {$200.00} and they told me no. 


So I decided to call HSBC BANK NEVADA N A who they claim are the original owners and they indicated to me that the account has already been paid off and is closed. 

Please forgive the negative remark made on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 I spoke with XXXX at Suntrust Mortgage, and asked for a Covid 19 Care 's Act Forbearance. XXXX assured me that I had been accepted for the Care 's Act forbearance.. 
I have been barrowing money from my family to make my payments as a result of XXXX XXXX temporarily closing do to the pandemic. On XX/XX/XXXX Suntrust sent me a letter, informing me that I was automatically placed into a Suntrust Forbearance ; in which I had declined, because that would put me in foreclosure and bankrupt me. As a result I have contacted Suntrust Mortgage eight times in the last thirty three days, stating that I do not agree to, or except a Suntrust Forbearance, and that I am eligible for and want a Federal Care 's Act Forbearance. Their re sponce to me has been very mixed, and came down to todays contact with one XXXX XXXX, at XXXX XXXX. who informed me that they don't offer any other forbearance accept the Suntrust, in which they have automatically placed me, by way of which they have asked me to write a letter of hardship back in XX/XX/2020, then they disclosed their terms, and I declined, and managed to make my payments until now. Also, for this reason they refuse to take me off of their program, and put me on a Care 's Act Forbearance ... On XXXX XXXX I sent Suntrust a notorized copy of my complaint.

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 2020-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
SImple.com will not accept my lease as proof of residency. They will not accept my mailing address. So, I told them on several occasions to close the account. maybe a dozen times of the last month and it is still open. I have a XXXX  balance. There is no legitimate reason for them to be keeping my account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
A forged check in the amount of {$6600.00} was drawn from our company account on XX/XX/2019. This was brought to the attention of our bank, Wells Fargo Bank when the account was reconciled. Despite numerous requests Wells Fargo has not been helpful in resolving the issue by claiming : 1. no responsibility in clearing a check that was totally out of sequence ( our last check was number XXXX and the check presented was number XXXX ) ; 2. the crime was brought to their attention more than 30 days after its occurrence ; 3. that it can not reveal whether the perpetuator of the crime was still an account holder at Wells Fargo ; and 4. that it is not Wells Fargo 's responsibility to help resolve this crime.

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 2020-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: SC

Complaint narrative:
I have wrote pro collector, & XXXX XXXX XXXX 3 times through via mail the debt collector who is allegedly stating I owe them money. I have not yet received any information where I stated and asking for contracts that included my signature stating we did business.

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 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I emailed the Escalation Department about my 2nd Deferment and on XX/XX/XXXX, the response I received was unacceptable and irrelevant to my inquiry, in other words, the response omitted or did not mention details about the second deferment. 

On XX/XX/XXXX I sent another email request to the Escalation Department regarding the 2nd deferment but that request has gone unanswered, so I am filing a complaint for assistance. 

I was granted 2 deferments. The first was a ( verbal ) forbearance that converted into a deferment from XXXX, XXXX and XX/XX/XXXX. 

The second deferment was in ( writing ) and signed by a Shellpoint officer. See attached. HOWEVER, THE SECOND WAS NEVER HONORED AND NO ONE HAS PROVIDED ANSWERS. I received a cover letter dated XX/XX/XXXX with an enclosed written deferment agreement dated XX/XX/XXXX XX/XX/XXXX. The cover letter stated that the deferment was granted but correspondence might not have been sent to me. 

The written deferment agreement was signed and dated XX/XX/XXXX by Shellpoint Officer ( XXXX XXXX XXXX so why I was told on XX/XX/XXXX ( all calls into Shellpoint Servicing are recorded and I recorded calls too ) that I was not granted a second deferment and if payment is not made ( by the next day ) XX/XX/XXXX, that a late fee would be assessed and if no payment is received by the XXXX, then possible negative credit reporting, upon hearing this, I panicked, scrambled up a payment and made it online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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:
There is currently an auto account listed on my credit report that I have no knowledge of and did not authorize. This is a result of an error or due to malpractice.

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 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XXXX, I received an email from my American Express Bluebird account/card stating the following during a recent review of your account, you are in violation of section : 22D. Your account is locked and suspended. I called the number on the email : XXXX, and the lady told me she can not help that I have to write a letter. This makes absolutely no sense. I have been using the account for 9yrs and I have direct deposit twice a month. I have never had an issue with this bank but now this. I have a direct deposit going in on XX/XX/10 and my work can not stop it in time. Please help. Also, I can not even log into my account. It keeps giving me an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are accounts that are showing up as collections that have been disputed multiple times to no avail. The credit reporting agencies continue to allow these false creditors to continue reporting inaccurate account information, erroneous dates, etc. 

As stated before, any accounts that are not listed in my name ( XXXX XXXX ) are to be removed per the drivers license and social security card provided for you during a previous complaint. This is simple. If it is NOT the name Ive provided and proven to you, then it should be removed, as I was a victim of identity theft in 2016 these accounts arent not being validated correctly and in some cases the credit reporting agency is giving creditors my name so that they change the name on their file. 

Remove it, the next step here is prosecution for fraud. If the ORIGINAL contract doesnt match then it is to be REMOVED. 

I know you are tired of receiving these complaints, because I am tired of writing them.

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