vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
On XXXX, XXXX, we refinanced our home mortgage. Our old mortgage was with Caliber Home Loans. The main reason we left Caliber Homes was due to their handling of our Escrow account and their poor customer service. In XX/XX/XXXX, they informed us that our payment would be increased due to a shortage in our escrow account. When we tried contacting them, we were on hold for almost an hour. I requested a callback on the phone and through their website. I never received a callback. So I called back, and held for another 30 minutes. When I finally spoke with someone, they told me they would request a new escrow analysis. After several weeks, I received a new statement amount that was to go into effect XX/XX/XXXX. I paid my old normal XX/XX/XXXX payment on time based on our statement dated XXXX assuming that the new amount would be for XXXX. On XX/XX/XXXX, I received a statement saying that I was being charged a late fee and that I was in default. I immediately called and was told I was short in my XXXX payment by {$29.00} because of the new escrow amount. I explained that I never received any notification that the new payment was affective for XXXX. They forgave the late fee and applied my payment. I then received a revised statement dated XX/XX/XXXX for XX/XX/XXXX payment for the increased amount. That statement shows my escrow account balance of {$1800.00}. All payments from the account occur in XXXX. When we refinanced with XXXX XXXX, I stated that I thought the payoff amount was incorrect due to them not applying my XXXX payment. I was told by my attorney that they would reconcile the amount and send me any difference in the payoff amount. I received a check dated XX/XX/XXXX for {$1300.00} with no explanation. I called to ask for a reconciliation of my account. The customer representative said she could not get and explanation for the shortage. I asked to speak with a supervisor and was informed that someone would contact me but not until XX/XX/XXXX because all supervisors were on other calls. I called again this am ( waiting 15 min on hold ) and was told someone would be in touch within 48hrs. I am requesting a reconciliation of the payoff amount and the escrow amount that is {$500.00} short of the check amount. I was told I need to wait for someone to contact me because the customer representative could not find out why there was a transfer of this amount out of my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: NJ

Complaint narrative:
There is an Account on my report that is Inaccurate

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 2022-02-10 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: NJ

Complaint narrative:
There is an Account on my report that is Inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
CFPB, I am at the end of a 5 year XXXX XXXX. Payments have religiously been made by the trustee. Bridgecrest had applied multiple late fees even though I am 2 months ahead on payments. I paid the 1st 2 months of payments as it takes time for the trustee to adjust to the new lender. The trustee made the same 2 payments 90 days later and every payment since. There is also a balance showing for interest in the amount of {$130.00}. How is this possible if all payments have been made? The most recent trustee payment that should have posted on XX/XX/XXXX is missing. That payment should have been for {$320.00}. Bridgecrest did see the payment was received from the trustee. 

I am not sure why payments for the trustee are being changed around? Last month, the XX/XX/XXXX payment was changed 4 times. Management gives vague answers that dont make sense. We will look in to this. It never happens. The late fees are still on there from the last complaint I filed after they damaged my credit report. I, again, was 2 months ahead when the late marks were posted to my credit report. 

There customer service and accounting practices are pathetic. These types of issues are commonplace with Bridgecrest, but they are allowed to operate like this. It is time you take a look their business practices. 


XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied

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 2022-02-10 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: NJ

Complaint narrative:
Multiple Accounts and inquiries on my credit report I do not recognize

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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i despite sending them, a letter, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Asset Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: MO

Complaint narrative:
XXXX falsely reported a 30 day non payment on my credit report and given evidence of their mistake has continued reporting the false information. I've contacted the credit bureaus and they continue to side with XXXX XXXX even after I have given them the same evidence that XXXX XXXX is reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX falsely reported a 30 day non payment on my credit report and given evidence of their mistake has continued reporting the false information. I've contacted the credit bureaus and they continue to side with XXXX XXXX even after I have given them the same evidence that XXXX XXXX is reporting false information.

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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i despite sending them, a letter, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : XXXX Asset Amount : {$0.00}

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 2022-02-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank savings accounts display incorrect balances And they will not help when you call them. Honestly do not know what to do. Unresponsive, will transfer your call back and forth and no one helps. Put you on hold and hang up on 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 monetary relief
Consumer complaint received 2022-02-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports provided by Experian. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I am complaining about Venmo. I opened an account and in order to send money, a bank account or debit card must be linked to your Venmo account. I tried to link my bank account the first time on XX/XX/2022. It was declined, raised a red flag and my Venmo account was frozen. I contacted support who asked me to upload my photo ID and bank statement showing the account number and a recent transaction. I did that and was told my account was unfrozen and that I could add my bank account now. The same thing happened when I tried again. I contacted support and went through the same process just explained several more times. Screenshots of all email communications are attached. They tried to say it was just my bank account that was the issue and suggested I try another card not associated with that bank account. I tried two other debit cards not associated with my bank account and got the same result. 
My case was escalated to someone else after many failed attempts. Their final response was that their system is declining my attempts to link my bank account and debit cards and they can not override the decline. This is absolutely ridiculous. I have my bank account linked to many other payment apps and have never had a problem like I have had with Venmo. I use PayPal, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXy, XXXX XXXX, XXXX payments, etc. My cousins XXXX XXXX XXXX daughter just passed away from XXXX and donations for the memorial fund were being collected through Venmo and I wanted to donate along with the rest of the family. I was the only one in my family who had an issue. I feel like Venmo does not care and that is no way to treat a customer. There has to be something they can do. I have never had to jump through so many hoops to try to use a service before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports provided by TransUnion. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXN Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX AL XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXXT Date of inquiry XX/XX/XXXX TXXXX  Date of inquiry XX/XX/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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, i filed an online dispute for a late payment against the credit card company XXXX XXXX XXXX. Not only did Experian fail to properly investigate the late payment, but they also failed to properly notify the company of the reason of the dispute. XXXX XXXX XXXX  is inaccurately report on my credit report wrong information. Experian failed to do an proper investigation which usually takes 30-45 days. My results were updated but Experian failed to tell me what exactly was update lack of information on their part in a dispute that should have fixed a blatant 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 2022-02-10 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have several items that are reporting negative on my credit report in which I have done the following : XXXX ) .XXXX  - showing negative reporting in the amount of {$3200.00} - spoke with their recovery department and was advised that this item was zero in their system and had no idea why the credit bureaus were reporting it XXXX ) .XXXX XXXX XXXX {$2700.00} spoke with their collections and was advised this item is no longer in collections and was removed XXXX ) XXXX XXXX - {$37000.00} - spoke with their recovery department and was advised this item is not in their system. 
XXXX ) .XXXX XXXX  - {$1900.00} - spoke with them and they advised me that I do not any accounts that are in a delinquent status no did I have a account in a delinquent status. 
XXXX ) XXXX XXXX XXXX XXXX {$3200.00} - this is same XXXX XXXX XXXX for {$2700.00} thats is reporting negative on my credit in which it should be removed! 
The item above are ruining my credit and my chances of trying to buy me a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On several occasions I've contacted Navient in order to discuss my account. Each time there seems to be a disconnect or some sort of deception. One instance I 's speak with someone and we will come to an agreement on the solutions to repayment then the next time I speak with someone they act as if they have no idea what I am talking about then it becomes a back and forth debate. I am certain there are notes for representatives to refer to because I used to work in a call center so I am familiar with the practices. On yesterday, XX/XX/2022, I called and spoke with someone and he proceed to quote me false/misleading information and when I told him the information was incorrect that is when he all of a sudden sees what I am talking about. Then when I asked to speak to a supervisor he put me on hold for an extensive amount of time and returned to the call himself. I then complained to him that I asked to speak with a supervisor, she then pops on the call suddenly as if she was listening to our conversation. I asked her had she been listening she then began to get defensive and irate. Then suddenly our call was disconnected with no return call. Very unprofessional. This is not the first time this has happened either. On XX/XX/2022 I received a call from a rep at Navient, he proceed to read off past due balance and account information and when I told him that was incorrect we somehow got disconnected again with no call back. Is this the new practice? I am also writing this complaint because the company does not offer any reasonable repayment options especially since we are in a time that we are recovering from all sorts of financial hardships. Any lower payment options allowed are interest only ( not going towards principle ) and temporary and only approved if put your bank account information for them to auto deduct. Insane!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: NJ

Complaint narrative:
There is an Account on my report that is Inaccurate

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 2022-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
First of all, my XXXX score this month is XXXX and the only marks against my credit worthiness are the XXXX late payment records that PayPal Credit XXXX XXXX  reported to the credit bureaus dropping my XXXX score a few points. 

PayPal Credit XXXX XXXX made a change in their grace period terms from XXXX to XXXX days. This change made my due date change from the third of the month to the first of the month. 

I made a purchase using PayPal Credit XXXX XXXX  for their XXXX-month XXXX interest offer. 

My first statement due date was the XXXX of the month and using that information I set up a bill pay account at XXXX XXXX. 

It wasn't until yesterday that I discovered the change in the due date to the first of the month and PayPal charging me XXXX late fees XXXX for {$29.00} and XXXX for {$40.00}. 

PayPal customer service was not willing to refund the late fee charges until I became aggressive over the phone with them. 

PayPal has over XXXX XXXX customers. If this PayPal late fee scam only affected XXXX XXXX customers charged a {$29.00} late fee from changing the due date XXXX days they would make {$29.00} XXXX in XXXX days. PayPal Credit XXXX XXXX might as well be sticking a XXXX in their customer 's back but their excuse is the fine print legal terms of service notices they publish knowing that people don't read them. 

Other PayPal customers have had the same experience. 

https : 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 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am XXXX XXXX XXXX and I am sending a complaint by myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. This company has illegally re-aged this account. Please investigate this matter because under FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation