vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-12 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: KS

Complaint narrative:
Experian not only leaked my information but also Items being placed upon credit report despite a credit freeze and fraud alert on the account. No attempts to contact me to verify the information. Unable to speak to a representative to place a dispute against invalid information. I have had no difficulties with other agencies, only this one. 

XXXX XXXX XXXX is a disputed account. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX is not now nor has ever been my address. 

My current mailing address Since XX/XX/XXXX XXXX Past 19 Years ) is XXXX XXXX XXXX, XXXX KS XXXX and is still correct. 

Physical address of XXXX XXXX ( or XXXX XXXX XXXX, XXXX KS XXXX has been my address since XX/XX/XXXX. 

Physical Address of XXXX XXXX XXXX XXXX, KS XXXX from XX/XX/XXXX to XX/XX/XXXXXX/XX/2007

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 2019-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
On XXXX and again XXXX I discovered my wages had been garnished for a credit card ( {$310.00} and {$350.00} ) This garnishment is how I became aware of the debt. I have contacted both the collection company and card company regarding this matter. I have expressed my concern regarding the legitimacy of this debt. I resided at XXXX XXXX XXXX.XXXX XXXX  XXXX, XXXX, CO. XXXX from XXXX to XXXX and relocated to XXXX XXXX  XXXX, XXXX, CO. XXXX XXXX ( this is my current address ). I recall no mail received from the collector or XXXX XXXX during the 9 years that have past. All the paper work I have is attached. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CO. XXXX. # XXXX. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2019 I contacted Macys executive office due to XXXX failing to address several issues I filed about. XXXX her colleague like XXXX decided to lie. I was told that Macys didnt cancel my credit protection but received a list from the company to remove it from my account. He then gave me credit protections number and told me to file a rebuttal. I followed his instructions and requested a rebuttal. XX/XX/XXXX I received a call from XXXX  letting me know Macys instructed them to cancel my credit protection. She also informed me a rebuttal wasnt needed and simply was to know who canceled which was Macys. The fact that people in the executive office are lying just as the customer service line is disgusting. For several months Ive been lied to, intentionally given wrong information, refused information, and misdirected

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 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
A previous complaint has already been submitted : unfortunately, we did not notate additional information in previous complaint the modification of payments. We requested a modification to have our payments reduced due to financial hardship several times XX/XX/XXXX and XX/XX/XXXX, and SPS modified our loan payment by {$57.00} from {$1300.00} to {$1300.00} starting XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX.  The modification provided no assistance to our financial hardship, we continued to struggle. On XX/XX/XXXX, we received a letter stating a modification had been done which we were clueless about since we had not submitted a request due to last denial in XX/XX/XXXX. This particular modification payments were reduced from {$1300.00} to {$1200.00} roughly a {$100.00} and some changed ; however, the first payment was due XX/XX/XXXX, which was less than 30 days. We desperately want to keep our home. 

Sincerely, XXXX XXXX XXXX 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 2019-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Several times now, I have reported to Bank of America fraudulent activity resulting in {$8000.00} worth of unauthorized withdrawals from my account. I have been given the runaround for months now, with BofA representatives refusing to give me straight answers at first, and ultimately denying my requests for reimbursement of the funds. 

On XX/XX/2019, I saw that on XX/XX/2019, {$6000.00} had been withdrawn from one of my checking accounts and {$2000.00} had been withdrawn from another checking account. 

On that same day, I went into the XXXX XXXX, California BofA branch, where I have been banking for years, and spoke with XXXX, the branch manager. XXXX informed me that the only way I could recover my money was if I obtained a subpoena from a court, requiring them to look through their recorded video to confirm that it wasnt me that had actually withdrawn the money. I objected to having to go to court to challenge the fraudulent withdrawal, but XXXX insisted that this was my only recourse. 

I then contacted XXXX, explaining that I was the familys attorney, and was told the same thing. I told her that BofA has established processes in place to investigate fraudulent transactions, and I was sure they didnt include requiring customers to hire legal counsel to obtain a subpoena to investigate a matter. XXXX seemed extremely flustered and asked if she could research the matter and then call me back. I told her I was appalled at her inability to handle the situation, and said I would await her callback. 

In the meantime, my sister, who had previously served as an insurance fraud investigator, contacted BofA 's fraud department to report the activity. On XX/XX/2019, a representative named " XXXX '' worked with me to file claims, and he told me he would send me a form to fill out. I never received these promised forms. 

On XX/XX/2019 and on XX/XX/2019, I received denials of my claim, stating that my debit card and PIN number had been entered for the withdrawal. 

On XX/XX/2019, I requested that they reopen the claim, explaining that it is a well-known scam for perpetrators to skim card and PIN information from bank machines. I was told that they would review the claim again, this time pulling video, and asked that I give them up until XX/XX/XXXX to respond. I never received a response. 

On XX/XX/2019, I called again and spoke with XXXX, who told me to send in yet another claim form, as they didnt have any of my previous claim forms.

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 2019-08-12 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: PINNACLE FINANCIAL PARTNERS, INC.
State: FL

Complaint narrative:
These are the companies that have reported items that I have no knowledge of, I've never cosigned for and never signed up for. I would like to have them investigated and removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX FLORIDA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TN

Complaint narrative:
Received an electronic notification on XX/XX/XXXX from Loan Servicing company PrimeLending, that our XXXX statement was not satisfied for the amount of {$2100.00} due on XX/XX/XXXX. This is incorrect. We paid XX/XX/XXXX mortgage statement in two separate installments, both prior to deadline of XX/XX/XXXX before a late fee will access. 1st payment of {$500.00} received by PrimeLending on XX/XX/XXXX. Second payment of {$1600.00} received by PrimeLending on XX/XX/XXXX. 

I have placed calls on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX in order to get the error resolved, to no avail. The first representative indicated dual payments are okay to process as long as they are received closer together, but he would solve error. Second representative indicates dual payments would not be accepted, but she would direct me to customer service who could handle the error & get it fixed. Third representative placed me on hold for 20 minutes before the phone disconnected & no one has called me back since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Applying all payments to suspense balance. Showing past due but all my payments are going to suspense. Try calling them they refuse to speak to me. Want letter from my attorney. Attorney has written them and till will not speak to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: PA

Complaint narrative:
The credit bureaus are reporting erroneous information on my credit file.

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 2019-08-12 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: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I am currently in a chXXXX bankruptcy filing status which bridgecrest is aware of and they have continued to report payments as late after my bankruptcy filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Social Finance, Inc.
State: NJ

Complaint narrative:
I reached out to SoFi Lending on XX/XX/19 for a mortgage loan on a foreclosure property I am buying in XXXX NJ. The pre-approved me, they requested all my personal and financial documents. I uploaded every document they asked for on their wed side including the executed contract for the property. I asked me to pay for an appraisal {$490.00}, but my checking account was charged {$520.00}. A few weeks ago I was issued a commitment letter for this property. I did a home inspection for {$450.00} and also obtained a XXXX for {$650.00}. My attorney fees are {$1400.00} and sellers attorney have a certified check from me for {$1000.00}. My closing date was for XX/XX/19 at XXXX XXXX. On XX/XX/19 one of SoFi manager called and told me they wouldn't be able to funded my loan because they just found out the property taxes are to high for income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: NC

Complaint narrative:
In XXXX, XXXX and XXXX of 2019 I paid {$580.00} on my account with XXXX XXXX XXXX. The total amount paid was to settle the account with XXXX. I provided supporting evidence of the payments including a copy of the settlement agreement, my bank statement showing the payments, and disputed that the balance was incorrect, the payment history is showing these payments as not made, and it doesnt show the account was even transferred to the collections company. Yet after multiple disputes with proof all three credit bureaus certify they investigated it and that it is accurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: PA

Complaint narrative:
there not reporting my Fed loan account to credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I submitted an Identity Theft Report to the all 3 Credit Bureau on or around XX/XX/2019 and stated, "I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction(s) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. All accounts were removed except "US Bankruptcy Court Clerk of XXXX XXXX CT " in the amount of $XXXX. I filed a police report, filed a Federal Trade Commission Identify Theft Report - XXXX, and completed an identity Theft Victim’sComplaint and Affidavit. This account is not mine and I am requesting that it be removedfrom 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 2019-08-12 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was having an issue with something reporting on my credit file from a Credit Union it was finally resolved directly with the Credit Union and they indicated they would send the updated information to the bureaus. Equifax however indicates that there is a 90 day freeze on my credit file but I did not repeat did not request a Freeze, now my information can not be updated properly nor if I wanted to apply for something I can not even do that. The most important thing is they need to unfreeze my credit file immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: DE

Complaint narrative:
XXXX XXXX XXXX  AKA XXXX..partial account number XXXX ) is a medical collection that does not belong to me. This is a medical procedure for a family member where I did NOT sign a financial responsibility agreement. The provider and collection agency placed it on my file in error. I disputed this with the credit bureau and they left it on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The credit bureaus are reporting erroneous information on my credit file.

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 2019-08-12 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: PA

Complaint narrative:
The credit bureaus are reporting erroneous information on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 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: NC

Complaint narrative:
In XXXX, XXXX and XXXX of 2019 I paid {$580.00} on my account with XXXX XXXX XXXX. The total amount paid was to settle the account with XXXX. I provided supporting evidence of the payments including a copy of the settlement agreement, my bank statement showing the payments, and disputed that the balance was incorrect, the payment history is showing these payments as not made, and it doesnt show the account was even transferred to the collections company. Yet after multiple disputes with proof all three credit bureaus certify they investigated it and that it is accurate!

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 2019-08-12 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: MD

Complaint narrative:
I am currently in a chXXXX bankruptcy filing status which XXXX is aware of and they have continued to report payments as late after my bankruptcy filing.

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 2019-08-12 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: MD

Complaint narrative:
I am currently in a chXXXX bankruptcy filing status which XXXX is aware of and they have continued to report payments as late after my bankruptcy filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: MD

Complaint narrative:
I am currently in a chXXXX bankruptcy filing status which XXXX  is aware of and they have continued to report payments as late after my bankruptcy filing.

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 2019-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
The due date was changed per Representative. My due date currently is the XXXX of every month. Due to a system update my due date is changed to XX/XX/2019. Due to Capital one system update, My payment went up XXXX in interest ). I do not want to change my due date. Made sure the representative is aware of this. She says they have to due to the update. The customer should not have to pay the price for Captial one system updates. Customer should not have to pay the extra interest due to their updates. Everyone doesn't have an extra XXXX dollars due to their decision on updates. This is a conspiracy and they are ripping off customers with extra interest. The customer is losing all the way around. This is a fraud. My bill went from XXXX a month to XXXX a month because of their updates. I call and spoke with representative and supervisor XX/XX/2019 XXXX XXXX. Yet the letter says you can change your due date. So, why change it and then charge the customer XXXX in interest. This really needs to be looked into. Just imagine how much money there cheating the consumer out of. This also causes issues to the customer who can due the new date and don't know about new date and get charged late charges. This has happen to me before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
there not reporting my XXXX XXXX account to credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
wells farge bank continuews to refuse aprove my credit card application based on discrimination based on my XXXX and contiues to refuse aproval of my credit 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