vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-06-20 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: NY

Complaint narrative:
I filed a complaint with Trans Union Credit reporting that information on their credit report was incorrect. They failed to correct the incorrect information. 

I have recently filed a CFPB complaint against XXXX XXXX asking that they correct information reported to credit companies. Concerning my XXXX XXXX loan account ending in # XXXX, and pursuant to my prior CFPB complaint No. XXXX, XXXX XXXX admitted that they incorrectly charged off my account and failed to honor my hardship agreement. They stated in thier XX/XX/XXXX response to me : " Due to an oversight on the part of our customer service, the hardship plan for loan # XXXX was broken on XX/XX/XXXX. Because of this error, the entire past due balance became due and your loan was charged off due to non-payment on XX/XX/XXXX. We sincerely apologize for this error. Please note you did not incur late fees or other charges due to this error and as such no refund will be provided. On XX/XX/XXXX we corrected how your loan was being reported to credit bureaus. " However, the result from my Trans Union Complaint, dated XX/XX/XXXX clearly states that my loan is clearly " charged off '' and not current. That must be changed due to their error.Additionally, since my loan is now charged off, I can not make any payments on my loan, because I receive no statements from XXXX XXXX and no information about my loan is reported on XXXX XXXX 's website for customers. 


Additionally, when I call, XXXX XXXX says they will take my payment on the phone, and they confirm it in writing, but the payments since XX/XX/XXXX have not posted on my bank account, i.e., they fail to accept my payments.

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 2020-06-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed a complaint with XXXX XXXX Credit reporting that information on their credit report was incorrect. They failed to correct the incorrect information. 

I have recently filed a CFPB complaint against XXXX XXXX asking that they correct information reported to credit companies. Concerning my XXXX XXXX loan account ending in # XXXX, and pursuant to my prior CFPB complaint No. XXXX, XXXX XXXX admitted that they incorrectly charged off my account and failed to honor my hardship agreement. They stated in thier XX/XX/XXXX response to me : " Due to an oversight on the part of our customer service, the hardship plan for loan # XXXX was broken on XX/XX/XXXX. Because of this error, the entire past due balance became due and your loan was charged off due to non-payment on XX/XX/XXXX. We sincerely apologize for this error. Please note you did not incur late fees or other charges due to this error and as such no refund will be provided. On XX/XX/XXXX we corrected how your loan was being reported to credit bureaus. " However, the result from my XXXX XXXX Complaint, dated XX/XX/XXXX clearly states that my loan is clearly " charged off '' and not current. That must be changed due to their error.Additionally, since my loan is now charged off, I can not make any payments on my loan, because I receive no statements from XXXX XXXX and no information about my loan is reported on XXXX XXXX 's website for customers. 


Additionally, when I call, XXXX XXXX says they will take my payment on the phone, and they confirm it in writing, but the payments since XX/XX/XXXX have not posted on my bank account, i.e., they fail to accept my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: NY

Complaint narrative:
I filed a complaint with XXXX XXXX Credit reporting that information on their credit report was incorrect. They failed to correct the incorrect information. 

I have recently filed a CFPB complaint against XXXX XXXX asking that they correct information reported to credit companies. Concerning my XXXX XXXX loan account ending in # XXXX, and pursuant to my prior CFPB complaint No. XXXX, XXXX XXXX admitted that they incorrectly charged off my account and failed to honor my hardship agreement. They stated in thier XX/XX/XXXX response to me : " Due to an oversight on the part of our customer service, the hardship plan for loan # XXXX was broken on XX/XX/XXXX. Because of this error, the entire past due balance became due and your loan was charged off due to non-payment on XX/XX/XXXX. We sincerely apologize for this error. Please note you did not incur late fees or other charges due to this error and as such no refund will be provided. On XX/XX/XXXX we corrected how your loan was being reported to credit bureaus. " However, the result from my XXXX XXXX Complaint, dated XX/XX/XXXX clearly states that my loan is clearly " charged off '' and not current. That must be changed due to their error.Additionally, since my loan is now charged off, I can not make any payments on my loan, because I receive no statements from XXXX XXXX and no information about my loan is reported on XXXX XXXX XXXX website for customers. 


Additionally, when I call, XXXX XXXX says they will take my payment on the phone, and they confirm it in writing, but the payments since XX/XX/XXXX have not posted on my bank account, i.e., they fail to accept my payments.

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 2020-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA

Complaint narrative:
Our son was born in XXXX XXXX on XX/XX/XXXX. One month after our discharge from the hospital, we received an invoice from XXXX XXXX XXXX for the medical expenses attributable to our son. That invoice was for {$9100.00}. After adjustments/co-insurance from my insurance company ( XXXX ), I owed {$420.00}, which I promptly paid in full on XX/XX/XXXX from my HSA. The confirmation number of my payment was XXXX. On XX/XX/XXXX, I received a Past Due Notice indicating an additional {$300.00} was added to my account sometime after I paid the invoice. No explanation of the {$300.00} additional charges was ever provided by XXXX XXXX XXXX and no explanation of benefits was ever sent to my insurance company. I received another similar invoice dated XXXX/XXXX/XXXX, still with no explanation of charges. We called XXXX XXXX for an explanation, we were told it was being put in review and that we didnt owe anything. 

The matter was out of our minds until we received our 1st notice from MBA Law dated XX/XX/XXXX, indicating XXXX XXXX XXXX parked this debt with a collection agency, followed by a second notice, dated XX/XX/XXXX, offering me a 30 % reduction to pay by XX/XX/XXXX. 

I believe that some department in XXXX XXXX failed to document these expenses prior to the invoice being generated. Since I promptly paid the bill, my invoice was closed, such that additional charges added after that did not trigger the mechanism that forwards the expenses to my insurance. Had those new expenses gone onto a new invoice and not one I had already paid in full, perhaps the expenses would have been correctly sent to my insurance and billed to me. 

XXXX XXXX XXXX should never have parked this debt. I believe they need to resolve this debt with MBA Law, then can choose to document these charges and appropriately submit them to my insurance provider, XXXX, so the charges can be adjusted in accordance with my insurance plan. After repeated calls to XXXX XXXX XXXX, someone indicated these charges appeared to be for XXXX  testing, XXXX XXXX, and routine XXXX XXXX of which would have been covered by my insurance plan had they been properly submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have been trying to pay off a closed card through Citi Cards. During the Covid-19 this has been especially difficult, for a variety of reasons - not the least, the behavior of Citi. Very often, their website is down. They do not process scheduled payments on time, resulting in late fees. They do NOT respond to written requests to address these issues. I have written - via their secure message system on their website - repeatedly, trying to address these issues. But they take weeks to respond, resulting in more late fees, which frankly feels like the plan all along. 

They are unreachable on the phone. I will NOT continue to pursue them to resolve this. It is impossible. And if they wish to contact me, it needs to be in writing, either to my mailing address or via their own secure message system. 

But their conduct has been awful, especially during a time of great stress on working people everywhere. To take advantage of consumers at this difficult time, to pile on late fees and issue threats, is unconscionable.

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 2020-06-20 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: Advantage Credit, Inc.
State: VA

Complaint narrative:
I've lived in XXXX, Virginia for 26 years I pulled my credit with a mortgage lender and some one is using my credit through XXXX XXXX XXXX I called them and they said they are able to see the account information but the name and social security number do not match what they have on file so they could not provide me with any information. I currently do not have have any auto loans and want to know how this institution is able to report on my credit and why they wont help prove who is using my credit. Or provide a letter stating my name and social do not match the account they have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I received a 30 day late negative credit marker due to Mr Copper system having a issue, my auto payment was started for the month of XX/XX/XXXX online. Unfortunately I fell ill and was in a XXXX  state due to my XXXX and was not able to address Mr. Cooper before the end of XX/XX/XXXXdue to being hospitalized for the month, once I got in a state to review my account I immediately made a payment and reset the autopay. I have never paid my mortgage late and this has affected my credit by 60 points and as I am already recovering from being out of work for over a month I have still managed to make two payments after being released from the hospital please favor a removal of this negative 30 day marker. I have provided my proof of hospitalization and XXXX info, my bank statements from XX/XX/XXXXand XX/XX/XXXXshowing ample funds for withdraw and proof that up until this auto pay issue my payment was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
I obtained a loan on XX/XX/XXXX on my home at XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX from XXXX XXXX. They then sold my loan to XXXX XXXX XXXX who then sold my loan to FlagStar Bank in XX/XX/XXXX or XX/XX/XXXX. 

After FlagStar obtained my loan ... they without my consent or authorization added 1. {$2000.00}. annual home insurance. - HOWEVER I already have insurance that I pay {$740.00} annual for from XXXX XXXX. 

2. Increased my property tax amount from {$1400.00} to {$2200.00} My county still shows that I only owe {$1400.00} for XXXX Taxes Due to the over charges they took my monthly payment of {$1000.00}. to {$1300.00} After countless times of trying to get it worked out with them since XX/XX/XXXX, I am constantly sent to collections and now they are threatening Foreclosures and adversely affecting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Regarding the bofa/edd prepaid card Emergency cash transfer, is false. They dont let u take out cash with out a carc mad They told they cant do the emergency cash transfer until 11 days have passed since i ordered an .. makes no sense, after 11 days inwont need the cash transfer. I'll have the card by then. 
Also no security for your account. Some one keeps reporting my card lost or stolen n bofa continues to allow it.

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 2020-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CO

Complaint narrative:
Hello CFPB, I have a collection for XXXX from XXXX. 

I am not aware of the original transaction date, just that the collection was placed back in XXXX where I noticed it in XXXX. I have never used XXXX and have been using XXXX XXXX   plan for the last 3 years. To more make my case I know it's not mine, is I have never received a email, physical mail, call, or any other means to make contact with me directly about a charge. 

On my XXXX  credit report. I have attempted to dispute with them, where they think it is accurate per my letter received. I have tried to contact XXXX  multiple times, however they do not answer. Nor is the website working correctly where I can not get in online to verify the so called information reviewed, or reach them by phone. 

I have had experience in mishandling before with disputes not actually being investigated. Last one I had was when I was a teenager, where XXXX  XXXX XXXX determined one as  accurate. Even though it did not even have my name in the original charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: Certegy Holdings, LLC
State: SC

Complaint narrative:
On XX/XX/20 I wrote a check to XXXX XXXX for {$140.00}. Certegy declined my check, reference number XXXX. I called my bank, XXXX  XXXX XXXX and they could see no reason my check was declined. I can not get anyone at Certegy to talk to me and the online system gave no specific reason why it was declined. Other vendors accept my checks, XXXX being a good example. I had to ask XXXX  XXXX  XXXX for a replacement debit card which is why I am using checks instead of a debit card.

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 2020-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SELECT PORTFOLIO SERVICING, INC. never sent Monthly Mortgage Statements since XX/XX/2020. This company operates under the RICO ( Racketeer Influenced and Corrupt Organizations Act ) and their " Banking License '' should be suspended and their principals should be put in jail for criminal fraud. Also reported to XXXX XXXX at XXXX XXXX XXXX XXXX, Washington, DC XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have logged a dispute against a charge I did not do. Where they returned it was " accurate '' month and a half later. However supplied no investigation results, I can not login to my account or reset it ( been like this ever since I called in my dispute ). Where now there phone system just hangs up as well. Where I can not view any details or input additional comments. 

I 100 % know this charge was not me, and this investigation was mishandled or not done. I have had one, where they thought it was me. Just because they returned paper work. Where when I read it myself, did not have my name at all in the original charge. 

Complaint is about TransUnion not handling dispute investigation correctly, and making it near impossible for me to communicate to them for any input. As well as not providing the investigation results to accessible 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 2020-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I was first made aware of this company from five of my family members. This company contacted my dad, mom, my two brothers and my sister ... but never contacted me initially. I received one random voicemail from some woman stating that they were going to file against me in my county and that they were going to contact my employer. I attempted to contact them going on a week now to obtain written verification of this debt and I only get a voicemail. I have called a total of 28 times over a 7 day time frame during office hours.I received a credit alert notifying me that they are on my report. I havent obtained any information from them and they are on my credit report. According to several complaints on various websites, Im not the only person who has had this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/XXXX I reached out to Resurgent Capital Services ( owner of LVNV Funding LLC ) to ask the TOTAL payoff amount of my Acct # XXXX. The original debtor was for an XXXX XXXX credit card account. Associate on the phone advised me ; " the total payoff amount TODAY is {$240.00}. '' I paid that exactly that amount by phone on XX/XX/XXXX. 

Yet today ( XX/XX/XXXX ) I received a letter stating the {$240.00} I paid was the " 1st installment in a payment arrangement. '' This is inconsistent with what I was told by telephone. So despite my paying this account in full, I find myself being extorted for another payment in the same amount ( much more than the original debt ). And the company has not even posted the payment I made to the credit bureaus. When I made the settlement payment I asked the associate when would a letter be sent to me confirming the paid off status so I can submit it to the credit bureaus. She stated " we have already posted paid off 's for this month, and will not post again until next month. It won't be reported to the credit bureaus until then. '' It has already been one month, and my paid off status has not been reported to the bureaus. The demand for a second payment is fraudulent.

Company response to consumer: Closed with explanation