vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
I saw on my credit report a collection from Genesis Collection Agency. They never tried to contact me or anything. They just reported this error on my credit. My insurance paid the claim to the hospital. I sent information to Genesis and requested validation of the debt. They refuse to send me validation and yet they continue to report this fraud on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: IN

Complaint narrative:
I applied for a refi with Loan Depot I submitted all the documents they asked for was told I was approved for the refi paid them their fees and paid for the appraisal then they declined my loan with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I applied for a credit card on an XXXX XXXX flight in XXXX. After checking status, I was told I was verified in Early XXXX, I've called twice since, each time telling me that the card has been sent. It's mid-XXXX  and I still haven't gotten the card but they did not have a problem sending me a bill for the annual fee.

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 2020-03-11 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: FL

Complaint narrative:
I HAVE BEEN FILING DISPUTES WITH EXPERIAN REFERENCE TO XXXX XXXX  AND XXXX XXXX XXXX XXXX. I HAVE INFORMED THEM THAT THESE ACCOUNT ARE NOT VALID. IN ADDITION TO THAT THE COMPANIES AND/OR EXPERIAN ARE REPORTING INACCURATE INFORMATION TO 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 2020-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I check my credit reports several times a month and this collection for {$890.00} from XXXX XXXX just showed up on my XXXX  and XXXX  credit reports. I tried disputing them on agencies websites since XXXX. Date opened was XX/XX/2019 according to XXXX  website. My data was breached when XXXX  lost all that data. Why didn't this account show up on my credit reports until XXXX XXXX got it?? All of my actual accounts are in good standing and always have been. 

Thanks

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 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Since 2014 ( account closed ) Capital One continues to report my credit card account as open and continues to charge me interest on a closed account. The account is closed and they continue to keep the minimum payment amount the same even though the balance is decreasing after consistent payments. They refuse to adjust or even report the account as closed. If they account is closed, why am I still charged interest and why isn't the minimum payment due reduced?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: NY

Complaint narrative:
These are not my accounts

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 2020-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Its obviously a fake debt collector. It states its Citibank regarding your Citibank card. It does not state the actual credit card, like Home Depot, XXXX, etc. When you call the number its another robo, asking for your phone number, ss # or credit card number. I put in my phone number and then it said it can not be found. Then it said to put in my SS # or credit card number. I'm not that stupid.

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 2020-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
The complaint involves a consumer reporting agency ( CRA ) not following the guidelines for responding to a dispute set forth by the Fair Credit Reporting Act ( FCRA ). I have written to them three times about ( REMOVING ) a bankruptcy that is on my credit report. All three notices from ( XXXX   XXXX XXXX ( XX/XX/20 ), XXXX  ( XX/XX/20 ), Trans Union LLC ( XX/XX/20 ) agencies wrote back saying it has been confirmed by a third party ( XXXX  ). This, in itself, is in violation of the FCRA. Information is to be verified in person by a person working for the CRA 's.

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 2020-03-11 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: DC

Complaint narrative:
The complaint involves a consumer reporting agency ( CRA ) not following the guidelines for responding to a dispute set forth by the Fair Credit Reporting Act ( FCRA ). I have written to them three times about ( REMOVING ) a bankruptcy that is on my credit report. All three notices from ( XXXX   XXXX XXXX ( XX/XX/20 ), Experian ( XX/XX/20 ), XXXX XXXX XXXX ( XX/XX/20 ) agencies wrote back saying it has been confirmed by a third party ( XXXX  ). This, in itself, is in violation of the FCRA. Information is to be verified in person by a person working for the CRA 's.

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 2020-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: F&B Acquisition Group LLC
State: MO

Complaint narrative:
I applied for a loan from F & B Financial Group, XXXX XXXX XXXX XXXX, XXXX XXXX, Mo. XXXX, XXXX. This was for a Home Loan using my VA entitlement. I complied with all the necessary paperwork to XXXX XXXX, Senior Mortgage Advisor. I was approved for {$220000.00}. This approval letter was also e-mailed to a Real Estate Agent that I was NOT under contract with. I felt that that was very illegal to do without my permission. Between this Real Estate Agent & XXXX XXXX of F & B Financial there were deliberate actions to disqualify me from purchasing many homes.After contacting VA I found out that I can purchase an " as-is '', foreclosure or Auction home. During this time I lost 2 homes that I was interested in because of the actions of F & B. I believe there is an underlying reason for these roadblocks. It is either that my Wife is XXXX or of my age of XXXX. I have e-mailed XXXX XXXX firing him with " no response '' I have called F & B many times leaving voicemail messages with no response to my requests. 24 hours ago I left such a message to the President of F & B, XXXX XXXX, requesting an appointment to meet with him in person to discuss the above problems. NO RESPONSE as usual. 
UPDATE : Today XX/XX/2020 I went in person with my Wife as a witness to F & B Financial Group at XXXX XXXX. I requested from the receptionist an " original '' copy of my Loan Amount Approval Letter. The receptionist, then returned stating that since I had fired XXXX XXXX another Loan Officer would have to be assigned to my Loan for review. 
I told her that that was not acceptable. Then, another person approached me saying that she was a Manager, but did not state her name. Later I found out that her name XXXX. XXXX then left & returned with my request. 
This time my Pre-approval was dated for today, XX/XX/2020 for the amount of {$200000.00}. 
NOT the ORIGINAL dated XX/XX/2020 for {$220000.00}. Bait and Switch. Highly ILLEGAL. 
I have attached the e-mail to XXXX XXXX requesting that he e-mail the ORIGINAL Loan Approval to me. Which he did not! 
I have also attached the ORIGINAL Loan Approval Document dated XX/XX/2020 and the DOCTORED Loan Approval Document dated XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I call Specialized Loan Servicing ( SLS ) to tell them of my intent to paydown the principle. The agent advised me to make the normal monthly payment of {$1400.00}. Review the account online and make a seperate payment to my principal, the agent walked me through the process of making a payment to principal. 

On XX/XX/XXXX, I made the payment to principal in the amount of {$7400.00}. This payment was not a payoff but it was a direct payment to principal, with the intent to bring the principle down to XXXX, I would still have an Escrow payments and fees. 

I reviewed my account on XX/XX/XXXX, and found that my payment was not applied to the principle. I called and spoke to another agent who reviewed the account and told me that my principal payment was applied to fees first then principal. I advised the agent that the previous agent I spoke with on the XXXX did not advise me of this and when I made the principal payment using their online system, I was not advised of this. In fact to make a seperate payment to fees was a different option and I did not use that option. 

The agent submitted my complain/request, to have the funds applied to principle and requested that I call back sometime next week for the resolution. 

1. As a consumer protection agency I feel you need to review the process and controls put in place by SLS. Their process in how they apply a principal payment is not transparent. First, their agents did not provide complete information when they had my account information. Second, their online payment systems did not provide correct information and mislead the consumer to believe that a principal payment would be applied to principle. 

2. SLS has an open separate complaint with regard to the fees assessed by a different bank. It seems like the left hand doesn't know the right hand has an open pending CFPB complaint against the fees. The agent on today 's call advised me the fees were legitimate, how could she know? The fees were assessed by a different company and the CFPB complaint hasn't been resolved? 

3. Complaint management : I made a complaint to the agent about how I was mislead and how I was not previously advised how my principal payment would be applied. The agent advised me that I would not receive anything in writing and I would need to call back. In my opinion, any UDAAP complaint should be responded to in writing.

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 2020-03-11 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: FL

Complaint narrative:
Please investigate and remove the following inquiries and accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In XXXX, XXXX XXXX credit services incorrectly reported to Transunion and XXXX  credit reporting services that I was late on a payment. XXXX XXXX  has corrected this information and sent notices to all the credit reporting agencies. XXXX  has removed the error from my credit report after filing a dispute. However, Transunion 's dispute system is riddled with errors. 

On Thursday, XX/XX/XXXX, I attempted to file an online dispute with Transunion. The system said they were having technical difficulties. I called the number and the customer service rep said that I could call their Online Support. The number for Online Support is XXXX. Unfortunately, that number does not work. On Friday, XXXX, I once again attempted to file the dispute online, this time with a letter from XXXX XXXX  outlining the error. The system still says it's having technical difficulties. 

Throughout the last week, I continued to try to log in to see if the technical issues were resolved with no result. 

Today XXXX XX/XX/XXXX ), I again attempted to login to file the dispute and got the same technical issues error. So, once again, I called customer service and was given the online assistance number. When I called that number, it still doesn't work. 

I've not had these issues with either XXXX  or 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 2020-03-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My complaint is about my XXXX Credit Card from XXXX XXXX XXXX XXXX. I opened the account XX/XX/XXXX and made my payments on time, it is still open till today. I found out they reported my account as 30 days late for XX/XX/XXXX, which i discovered in XXXX of XXXX, when i was in the process of getting a mortgage, this was corrected and changed in XXXX. I just found out they have put this 30 day late payment back on my credit, which has now affected my credit score. My account has open for 3 years and 3 months. 

Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$260.00} {$300.00} Payment Info Status Current, was past due 30 days Updated on XX/XX/XXXX Past due amount - Highest balance XXXX XXXX Monthly payment {$40.00} Late payments XXXX XXXX You've made 98 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
After my XXXX rent payment of {$1400.00} was rejected by Bank of America for payment I called their customer service and found out that it was caused because someone at the branch can not count and it was short by XXXX cents. The payment was put through over the weekend and posted to my account, but caused a negative balance and so I went to deposit money to resolve it and close the account. I provided a deposit of {$180.00} in cash to a banker at the branch located at XXXX XXXX XXXX in XXXX, TN, on Monday XX/XX/20 and I assumed whoever did the deposit had enough XXXX sense to resolve the negative balance on the account, give me my change back, and close the account. 

I spent several hours on the phone with the bank only to find out what I stated above was confirmed, and then I called the branch and spoke to XXXX XXXX who told me she was the local branch manager. Instead of trying to really help me I was given excuses for other items that cleared being the cause, when in fact, I know what caused it and was told otherwise by people working the the same XXXX bank. I was given a bunch of stupid XXXX excuses and told to bring a letter by from my rental company showing the fees I was being charged and the bank " MIGHT '' be able to hep me get the money back. SO each time I need help I just get more XXXX and corporate merry-go-round and I really XXXX sick of it. 

I was a BOA customer for a long time but clearly they don't hire like they used to. I want this XXXX issue resolved and someone from the bank to actually HELP ME to get the payment made and associated fees reversed or refunded.

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 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NC

Complaint narrative:
On XXXX I requested XXXX  to verify in writing a copy of wet signature contracts proving the bankruptcy & debts were mine. On XXXX XXXX  completed their dispute process & advised that the public record was verified via Lexisnexis as being mine & dated XXXX as the verification date. I have a letter from Lexisnexis that my consumer report was frozen on XXXX & nothing would be released without me lifting with my pin number. I also submitted a copy of a letter dated XXXX from the Chapter XXXX court stated they didnt report any info on me to any consumer reporting agency. XXXX has not provided me with a wet signature contract & their report states the info I requested to be removed was verified. They also state the public record bankruptcy was verified via LexisNexis on XXXX. They both are violating the section 609 ( a ) ( 1 ) ( A ). I also provided a copy of a 14039 affidavit from the IRS that I am a victim of identity theft as someone used my SSN to file federal taxes. This alone without a copy of the contract justified removal from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc.
State: TX

Complaint narrative:
I applied to refinance my XXXX  federal loans with Sofi in the second week of XXXX in order to consolidate and get a better interest rate. I am not 100 % sure on which date but it would have been around XX/XX/XXXX. I was approved and they sent me paperwork to electronically sign on my new loan. I noticed that the amount was wrong so I contacted them to fix the problem. First I called them to clarify. I got sent the paperwork and it was still wrong. Then I contacted them via their online chat service. They asked me to provide them with my most recent student loan statements from XXXX. I did. They said they would fix it. I was very explicit that I was refinancing all XXXX  loans except for loan number XXXX. All other loans were to be refinanced including loans XXXX and XXXX. They sent me the paperwork to sign and it was wrong a third time. I then called them via telephone again and was asked to again submit my most recent XXXX statements. I sent them a second time. They sent me the paperwork again and the amount was correct so I signed it. 

On XX/XX/XXXX they sent the funds to XXXX to refinance my student loans. However they made a huge mistake and sent all of the money to one of XXXXXXXX XXXX  departments and no money to the other department that contains loans XXXX and XXXX. Apparently XXXX has two separate departments. I contacted Sofi about the mistake on XX/XX/XXXX and was told to call XXXX and have them move the funds over to the two loans in the other department ( XXXX and XXXX ). When I called XXXX I was told that they could not move funds over to the other two loans because that is a separate department and they are unable to do that on their end. They told me that the money would have to be refunded then sent to the other department by myself or Sofi. I contacted Sofi and was told to have them refund the money to me so that I can pay the other two loans off. After A LOT of back and forth with XXXX  I have only been able to get about {$1800.00} refunded back to me, which I have already used to pay down one of the loans that was supposed to be refinanced. There is another {$4300.00} that XXXX has not refunded to me or Sofi that is supposed to go to payoff the rest of the balances on loans XXXX and XXXX. 

During this time I am being charged interest on these loans by both companies. Sofi issued my monthly payment for me last month and say that they can do this month as well but that is it. I expect them to refund the interest I am being charged on money that I didn't receive, especially after making the huge mistake they made. I have been in contact with one of Sofi 's representatives via email that is supposed to help solve this issue, yet she keeps asking me to make all the calls to XXXX and do all of the work to fix Sofi 's mistake. I have and can provide all of those emails if I need to.

Company response to consumer: Closed with explanation