vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
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 non-monetary relief
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: NE

Complaint narrative:
My account was debited {$400.00} on XX/XX/2020, by the card company. The reason for the debit was " XXXX XXXX XXXX XXXX '' I called on XX/XX/2020 to dispute the debit. It is now XX/XX/2020. I have wasted 10 hours in phone calls, talked to dozens of people, I have been lied to, had calls disconnected after waiting 56 minutes, and no one has done anything that I have been told would be done. It states in writing about Error reporting and resolution Procedures on the back of my statement. If it takes longer for the investigation to complete they WILL put the funds back on my account so that they would be available for me to use. That is to happen within 10 business days. I have yet to have the funds returned to me. When I call in the story changes and I am told I still  need to wait. I feel as if I have been ripped off. I do not understand how anyone can tell me about an investigation when it was reliacard who took the funds in the first place. I was told it was because they thought I had received credit for a dispute. I had never called to dispute anything until the XX/XX/2020 the debit was done 0n XX/XX/2020. That is when I had enough and decided to report the why reliacard does business. I do not believe that they can be trusted. If I had not caught this mistake I would of never been notified about it. So I wonder where all that money goes. I will escalate this to the local TV news station so I can let as many people know to watch their statements from Reliacard. By the way, after accounting STAFF balanced my account, it was found that the balance on my account is off by XXXX  dollar. If you take that time how many accounts are handeled by reliacard someone is making alot of unreported income. 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 monetary relief
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I've tried to contact this collection multiple to let them know that I do not owe this debt to them or the original creditor. This collection company is illegally reporting this to the credit bureaus. I was never notified about this or have a contract with this collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-09-14 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
Purchased a new XXXX XXXX XXXX fully loaded, valued at {$33000.00}. However, this vehicle was stolen from our XXXX property on XX/XX/XXXX of XXXX sometime after XXXX. The next morning at XXXX, we realized it was gone. The police were called immediately and an incident report was made. My car insurance and GAP insurance paid it off, which is why we did not make a payment. We are now on XX/XX/XXXX and this incident is still affecting my credit negatively. 

I would like my credit to be free from this negative incident, which already was taken care of by XXXX XXXX and GAP insurance. The credit bureaus should process this matter accordingly in order to remove this negative impact. 

The reason the payment were not made is for the fact that the car insurance and gap insurance was covering the total loss and paying the finance company in full. This should have never reflected as 30 days late payments in XXXX and in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Purchased a new XXXX XXXX XXXX fully loaded, valued at {$33000.00}. However, this vehicle was stolen from our XXXX property on XX/XX/XXXX of XXXX sometime after XXXX. The next morning at XXXX, we realized it was gone. The police were called immediately and an incident report was made. My car insurance and GAP insurance paid it off, which is why we did not make a payment. We are now on XX/XX/XXXX and this incident is still affecting my credit negatively. 

I would like my credit to be free from this negative incident, which already was taken care of by XXXX XXXX and GAP insurance. The credit bureaus should process this matter accordingly in order to remove this negative impact. 

The reason the payment were not made is for the fact that the car insurance and gap insurance was covering the total loss and paying the finance company in full. This should have never reflected as 30 days late payments in XXXX and in XXXX of 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 2020-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I wrote Bank of America a check for {$15000.00}, principle only payment. The check cleared the next day. After about a week it still had not been applied. I have 3 times and each time, I was told the same thing. That it was in the wrong column and that they were waiting for the customer to call in, and tell them what i wanted to do with the money. That they would escalate this issue, should be resolved in a day or two. Those calls were over a month time frame. On XX/XX/XXXX, I then sent an email to customer care, and received a reply the next day. Basically, it says the something. And now it appears, the auto deduction payment I have setup with BOA ( have had it since 07 ) isn't being applied to my account. I have been given the reason for the mess up, is due to a system upgrade. It's been over 5 weeks for them to fix my issue, still  nothing.

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 2020-09-14 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.

Complaint narrative:
Equifax has my information mismatching with Someone else and so does XXXX  it says I have a XXXX  but I dont even have a car to my name, I tried applying for a car loan and was denied the credit bureau isnt helping me at all and I feel stuck please help me my number is XXXX and email is XXXX I can further discuss more on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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.

Complaint narrative:
XXXX  has my information mismatching with Someone else and so does transunion it says I have a XXXX  but I dont even have a car to my name, I tried applying for a car loan and was denied the credit bureau isnt helping me at all and I feel stuck please help me my number is XXXX and email is XXXX I can further discuss more on the phone

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 2020-09-14 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.

Complaint narrative:
XXXX  has my information mismatching with Someone else and so does XXXX  it says I have a XXXX  but I dont even have a car to my name, I tried applying for a car loan and was denied the credit bureau isnt helping me at all and I feel stuck please help me my number is XXXX and email is XXXX I can further discuss more on the phone

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 2020-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Fay Servicing purchased a mortgage we had on a home and is now the Loan Servicing Agent / Entity for our property at XXXX XXXX XXXX XXXX ( Loan # XXXX ). Our outstanding mortgage balance with Fay is currently about {$73000.00}.

We received a letter from Fay suggesting that we need to increase our Flood Insurance, and that if we did not do this, Fay would purchase flood insurance on our behalf - we needed to do this within  45 days ( the letter was dated XX/XX/XXXX, however we did not receive it until XX/XX/XXXX ). Again, our mortgage balance with Fay is ~ {$73000.00} and we currently carry flood insurance in the amount of {$130000.00} - well in excess of Fay 's liability. 

We wrote a letter to our account rep on XX/XX/XXXX requesting that Fay dismiss the request to increase our insurance because Fay is completely covered for any loss. Our account rep did not respond at all to that letter and still has not responded to us. 

We escalated this to XXXX XXXX, XXXX XXXX with Fay on XX/XX/XXXX. Ms XXXX advised she would get it to the insurance department right away. I called Ms XXXX again on XX/XX/XXXX and XX/XX/XXXX as we had not heard anything back. Both times our call went to voice mail and we left our name, contact info and repeated the request to call us back with a response to our insurance. Ms XXXX did not call us back. 

We wrote Ms XXXX again on XXXX - and received a very brief written response that our issue was " escalated '' was " in process ''. 

We heard nothing more for the balance of the week. We wrote Ms. XXXX again on XXXX and noted that it had been : XXXX 36 days since the date on the initial letter, * the initial letter specified a window of 45 days XXXX it had been 20 days since our first letter to Fay and that no response to our issue had been provided. We asked Ms XXXX to confirm that Fay would NOT purchase additional insurance on our behalf until this matter was resolved, and to provide us with expectations on when this issue would be resolved.

We received no response from Ms XXXX to our letter dated XXXX. 

It is now XX/XX/XXXX - 25 days since we first wrote to Fay regarding this issue, and we have no response to a very simple question.

We have since received a second letter from Fay reminding us that our time is almost up to purchase additional insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I was charged, in error, {$87.00} by XXXX as a first payment in a recurring billing agreement on XX/XX/2020. I discontinued the recurring billing plan and disputed the charge with XXXX, but still have not been credited with the {$87.00} on my XXXX bill. They have not charged my card again, but AMEX won't let me dispute the charge unless they are allowed to deactivate my card and issue a new one. I currently don't have a safe place to receive mail, nor can I afford to go 10 days without a valid card. I requested that they open the dispute without  changing my card as I haven't been charged again by XXXX and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
on XX/XX/2019 my bill for {$320.00} dollars did not go through when it was on auto-bill. I reached to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this collection. I now cant get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/2020 I was in the process of looking for a XXXX refinance for my VA loan. I found Freedom Mortgage online and submitted my interest in applying for a IRRRL. There website seemed thorough. Within ten minutes I received a phone call back from a gentleman named XXXX XXXX, from Freedom Mortgage. He said he was in the business for 20 years and could help me if my credit score was above XXXX. I said it was. He proceeded to ask me questions such as : What was my home valued at? How much do I owe? He proceeded to calculate how many years I had left to pay '' 27.92 years '' was his response.He wanted to know my homeowners insurance company and the cost per month, as well as my annual taxes and " are they paid in my mortgage and when do I pay for them. '' What is my yearly income? He explained that there will be a {$950.00} funding fee since we did not have a rating on my husbands XXXX. He told me I would not have to bring any money to the closing table and it should take about 30 days to process. There would be no appraisal. My percentage rate would be 2.99. He pulled a soft credit and I have received the report. The problem is when I checked in with him about a week later, he said he was no longer with Freedom Mortgage. He had a sad story that he was pulled from doing loans and I asked what happened with my loan and there was nothing. He gave me a name of someone else at Freedom Mortgage and when I called her she was driving and thought I wanted a job with Freedom  Mortgage. Come to find out she does not do loans but is a recruiter. I was truly hoping to refinance so I it would help my monthly bills. I am frustrated because I thought we completed an application over the phone with all the information I provided and getting a soft pull on my credit verified that for me. That also put a dent in my credit so when another company looks they will notice that pull. I did not want to lose the 2.99 percent for my refi. I will look for another company. But, I felt that I should make a formal complaint. I am very concerned that my  Personal information may have been jeopardized in some way and feel very vulnerable.

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 2020-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: MD

Complaint narrative:
I have setup the mortgage payment to be automatically deducted from my checking account.For the XX/XX/2020 payment the company has deducted twice the payment amount from my account.I tried to contact them via email but got no reply.It is impossible to reach them by phone, after waiting on hold for about 40 mins the call is disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I signed up to CareCredit for a zero interest credit promotion for my daughters XXXX, the amounts that were suppose to be paid were suppose to be in increments that would equal the total cost of the loan by the end of the promotion but they set the payment amounts wrong without my knowledge, Covid-19 pandemic hit us in XXXX hard so they did not let me know what was going on, I was charged almost {$500.00} in interest on a XXXX  interest loan. When I called to explain the situation, they refused to help me. So to summarize, the payment amounts were set incorrectly without my knowledge, the promotion expired without phone notification, the payments were suppose to satisfy the loan at the end of the promotion. The Pandemic hit all of us in XXXX when the promotion expired, which was when the loan was suppose to be paid off with the correct installments that were incorrectly set without my knowledge. I already satisfied the loan, I just requesting a refund of the interest charges by mistake on this XXXX  percent interest loan.

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
Consumer complaint received 2020-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
We have both lost our jobs in XXXX, yet we were able to pay our XXXX payment with our savings. Our payment was due on XX/XX/2020. On XX/XX/2020, Flagship began calling us. We explained one of us would begin a position XX/XX/2020 and the other on XX/XX/2020. We did not know at this time what our first checks would be on XX/XX/2020 ; however, we would have rent due and would do our best to make a payment on XX/XX/2020. Flagship has been calling EVERY DAY since XX/XX/2020 to both of us. The one who began their job on XX/XX/2020, lost her job due to her phone constantly buzzing at her desk due to the harassment from Flagship. I have been receiving phone calls from Flagship when the other borrower would not answer. I kept explaining to them that we do not have the money at this time, we do not know how much we will have on the XXXX, please to quit calling as it will cost us our jobs. On Sunday, XX/XX/2020, XXXX from Flagship called once again. I advised him that the other borrower has lost her job thanks to them constantly calling her and I start my new job on  Monday, XX/XX/XXXX. I am turning off my phone during my work hours since I can not afford to lose my job. I do not know how much we will have now since we will not have a full check from the other borrower. I was hanging up now since I was very upset with the treatment from Flagship. XXXX threatened me with " don't you dare hang up on me - I have control over your vehicle and can stop you from going to work ''. I disconnected the call.

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 2020-09-14 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:
THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: GA

Complaint narrative:
I mailed Equifax a dispute letter via Priority Mail on XX/XX/2020 and they picked up the letter from the post office on XX/XX/2020. It has been more than 30 days since they received my dispute and they have NOT completed the investigation. 

I have proof they received my letter and I have proof they are still investigation. The investigation should be completed within 30 days from hen they received my dispute, according to the FCRA. I have attached proof of my original letter with tracking number, the tracking confirmation of delivery from USPS, and the follow up letter I sent on XX/XX/2020 Please note : I DID NOT SUBMIT ANY ADDITIONAL information to grant them an additional 15 days. 

They are in violation if the FCRA and I plan to file legal action if the items I disputed are not deleted immediately from my credit report. 

I'm also demanding a updated copy of my credit report reflecting the deleted accounts I disputed. 

I demand all accounts I disputed in my XX/XX/2020 letter be deleted from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation