vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation
State: FL

Complaint narrative:
I was in forbearance for a while and during that time I signed up for the HAF program. Right before my last moth in forbearance I was given 3 options for the past due amount. The option I selected was the Partial claim to move the amount to the back of the loan ( At the time I didn't know it was a HUD program ). 

Almost a week later I find out I was approved for the HAF program and I quickly contacted my mortgage company SWBC about it. Since the beginning of the forbearance my calls get directed to the collections department and they aren't the most helpful crew. During that and ever call I made or they made to me this point was raised. At no time was I advised that this program would need the lumpsum payment made to HUD and not them. 

Towards the end of XXXX the XXXXAF program sent them a lumpsum and the first months payment. SWBC just sent both the payments back to the HAF program. They stated because of the partial claim I now show no payment due. I asked them why was it not to the loan? They had no answer for that.

I'm now having to go back and forth with 3 different companies ( SWBC, HUD and HAF ) and I feel like there's nothing happening to correct this. I'm now officially late on my mortgage they are going to put this on my credit and no hope in site.

My family and I need help and feel like this situation has just made it worse for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
Hello, Back in XXXX of XXXX  In XXXX XXXX, South Dakota, I changed cell providers. My daughter & I left XXXX to go to XXXX. We were told there would be no problem porting our numbers from XXXX to XXXX, pay off our existing XXXX contract. It took a month & an awful lot of phone calls as well as an immense amount of frustration. We were told that it couldn't be done. Not either company would except any responsibility. Even though it was clearly advertised by XXXX. I returned home at that time to XXXX, Texas, where I received a final bill from XXXX for XXXX XXXX tried calling & making arrangements, to no avail. I then received a collection letter from XXXX XXXX XXXX. I spoke to a XXXX XXXX XXXX & set up payment arrangements. It was a {$50.00} a month automatic payment from my checking account. Payments were made XXXX, XXXX & XXXX. Then the giant headache started with Amsher Collection & the XXXX XXXX XXXX XXXXXXXX XXXX. The way I found out was through an email from XXXX XXXX & an email from my XXXX credit card. I have be trying since Monday, XX/XX/XXXX to contact both Amsher XXXX XXXX XXXX. I have been disconnected at least 8 times. Dial the number & a recording says if you are calling from Nevada dial 1, all other states dial 2. After multiple times I spoke to a XXXX XXXX & he said all he could tell me was my Amsher account number # XXXX & the call ended. I did my due diligence & researched Amsher, XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I felt like a fell into a trash dumpster. It seems that Amsher & XXXX XXXX XXXX XXXX  XXXX XXXX are also some how involved with XXXX who seems to also own & operate a collection company. No matter what I did or the amount of calls I made I hit a brick wall each & every time. Please rest assure that all I wanted to accomplish was to pay my bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
i have been a member with navy since XXXX but since XXXX of XXXX there has been ongoing issue with my accounts one was with a hotel that stayed at during may they were supposed to give me my XXXX deposit back which they later than took from my account even after i showed them all the transactions from the account there is nothing in the account that a deposit was given back to me from this hotel called the XXXX XXXX  i told navy that they did not give me back my deposit of XXXX for my stay there so navy just took the deposit back from my account which was not my fault that the hotel did not give me my deposit back i even reached to the hotel about this but nothing was done so now i feel like at this point they will not give me my money back right now i'm struggling and i can barely get by as it is i really need my money back because this is such an inconvenience especially since I'm on XXXX and I'm not able to work and only get but so much so its not like i have money to get by i wish navy would understand that as well i feel like they are playing with my money and don't care what i'm going through and i really need my money back from the hotel stay promplty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: CA

Complaint narrative:
I was the victim of Identity Theft back in 2016. An account was opened under my name, XXXX, and XXXX with XXXX XXXX XXXX I tried to resolve this fraudulent account by submitting an Identity Theft Report with the 3 Credit Bureaus. This account was eventually deleted off my Credit Report, but resurfaced 5 months ago. I have been pushing XXXX  XXXX XXXX to delete this account, but they keep arguing that no account exists under my name, however, they keep reporting an account under my Social Security Number. In addition, they have submitted a letter to me stating in writing, as quoted In addition, we couldnt identify an account in your name ending in XXXX. This account is the account that continues to be reported to my Social Security Number. I have submitted additional information to them, but continue to receive the same response.

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 2022-09-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was the victim of Identity Theft back in XXXX. An account was opened under my name, DOB, and SSN with Bank of America. I tried to resolve this fraudulent account by submitting an Identity Theft Report with the 3 Credit Bureaus. This account was eventually deleted off my Credit Report, but resurfaced 5 months ago. I have been pushing Bank of America to delete this account, but they keep arguing that no account exists under my name, however, they keep reporting an account under my Social Security Number. In addition, they have submitted a letter to me stating in writing, as quoted In addition, we couldnt identify an account in your name ending in XXXX. This account is the account that continues to be reported to my Social Security Number. I have submitted additional information to them, but continue to receive the same response.

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 2022-09-15 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: SC

Complaint narrative:
On XX/XX/XXXX, I pulled my credit report from the three credit bureaus. I noticed a few discrepancies : my name variation is incorrect, my employer is also showing incorrectly, and there's an account from XXXX in which there are discrepancies showing on all three credit reports. I have tried to contact all companies and kept getting bounced around agents, so this is the best method that I can use. 

When it comes to incorrect information, two of the three need my naming convention fixed and also need my current employer added onto the reports. All three are reporting XXXX differently and it's troubling. 

From the XXXX portion : XXXX- is showing the account is closed on XXXX XXXXXXXX XXXX  Also, it's showing a late payment in XXXX and XXXX of XXXX XXXXhe XXXX balance shows as {$240.00} and sixty days past due. Says the past due amount is {$61.00}. Look within the XXXX grid at past due, and you'll see it says {$0.00}, but somehow XXXX equates to sixty days. Also, if you review the XXXX report, you'll see all the payments there ( and if need be I'll send screenshots too ). // XXXX- It shows a late payment on XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. If the account was paid and closed on XXXX of XXXX, then how can it be late on XXXX? It even states the status was updated in XXXX, but how can that be if the account was closed in XXXX? Also, the late payment months are inconsistent with XXXX XXXX Equifax. Even the balance histories vs. the calendar doesn't match up correctly. The balances between XXXX vs. XXXX alone doesn't match up. The XXXX balance is showing as {$240.00} and 30 days past due. // Equifax XXXX Now looking at Equifax XXXX XXXX shows good standing, which is different from the other XXXX. Also, it's showing late for XXXX, XXXX, XXXX, and XXXX. It also shows date of last payment as " XXXX XXXX, XXXX ''. Also the date closed is " XXXX XXXX, XXXX ''. Going back to XXXX, how could I be late in XXXX, if the last payment was in XXXX XXXX, XXXX? It even states Date of First Deliquency is " XX/XX/XXXX '' ; however, it's in good standing on the other XXXX reports? The XXXX balance shows as {$220.00} and 30 days past due. Also, in the " XXXX XXXX XXXX '' grid, there's nothing that shows in how much was past due. If you also notice, there's a comment that states " not_more_than_three_payments_past_due '' in account status, but if you look within the calendar grid, four months are showing. // B/c of these errors and violations, I have no choice but to attach all three of my credit reports to show the inaccuracies. I will also respond to a fair resolution within the appropriate section in detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: SC

Complaint narrative:
On XX/XX/XXXX, I pulled my credit report from the three credit bureaus. I noticed a few discrepancies : my name variation is incorrect, my employer is also showing incorrectly, and there's an account from XXXX in which there are discrepancies showing on all three credit reports. I have tried to contact all companies and kept getting bounced around agents, so this is the best method that I can use. 

When it comes to incorrect information, two of the three need my naming convention fixed and also need my current employer added onto the reports. All three are reporting XXXX differently and it's troubling. 

From the XXXX portion : XXXX- is showing the account is closed on XX/XX/XXXX. Also, it's showing a late payment in XXXX and XXXX of XXXX. The XXXX balance shows as {$240.00} and sixty days past due. Says the past due amount is {$61.00}. Look within the XXXX grid at past due, and you'll see it says {$0.00}, but somehow XXXX equates to sixty days. Also, if you review the Experian report, you'll see all the payments there ( and if need be I'll send screenshots too ). // Experian- It shows a late payment on XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. If the account was paid and closed on XXXX of XXXX, then how can it be late on XXXX? It even states the status was updated in XXXX, but how can that be if the account was closed in XXXX? Also, the late payment months are inconsistent with XXXX XXXX XXXX. Even the balance histories vs. the calendar doesn't match up correctly. The balances between XXXX vs. Experian alone doesn't match up. The XXXX balance is showing as {$240.00} and 30 days past due. // XXXX XXXX Now looking at XXXX XXXX XXXX shows good standing, which is different from the other two. Also, it's showing late for XXXX, XXXX, XXXX, and XXXX. It also shows date of last payment as " XXXX XXXX, XXXX ''. Also the date closed is " XXXX XXXX, XXXX ''. Going back to Experian, how could I be late in XXXX, if the last payment was in XXXX XXXX, XXXX? It even states Date of First Deliquency is " XX/XX/XXXX '' ; however, it's in good standing on the other two reports? The XXXX balance shows as {$220.00} and 30 days past due. Also, in the " Amount Past Due '' grid, there's nothing that shows in how much was past due. If you also notice, there's a comment that states " not_more_than_three_payments_past_due '' in account status, but if you look within the calendar grid, four months are showing. // B/c of these errors and violations, I have no choice but to attach all three of my credit reports to show the inaccuracies. I will also respond to a fair resolution within the appropriate section in detail.

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 2022-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I obtained a car title loan with Onemain Financial. A few months ago the car was struck by a hit and run driver. It was deemed inoperable. I decided to keep and fix my car. The car insurance company paid {$7000.00}, and Onemain Financial is the lienholder. I had a balance and it went to them. I fixed the car with my own money, and paid for inspections, paid the DMV all the fees to obtain a salvage title, but OneMain will not electronically release the title to the DMV until I pay my loan balance of approximately {$800.00}. Now I'm not asking for the title I'm asking for them to give the title to the California DMV because this is a new car it will get a new title. It's preventing me from registering the vehicle. I paid {$490.00} for the registration, and ca n't drive my car because of OneMain. When I call they claim to have no clue about what they should do on their end. I leave messages, no one calls me back. I have sent emails with screens shots of the appropriate paper to fill out and send to the DMV but they absolutely refuse. This isn't their first rodeo. They know exactly what needs to be done. They also should have paid this registration like the XXXX XXXX, CA Branch paid when I initially got the loan. Can you please help me?? They keep adding late fees on top of late fees, and won't help me with my account or return my calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: IL

Complaint narrative:
On several occasions Credit Karma suggested cards saying I would be extended credit and I was rejected. This further hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I XXXX XXXX, have come under extreme scrutiny for the false representation of a XXXX  account # XXXX. Not only were my rights to privacy breached these consumer credit reporting agencies Equifax and XXXX exploited my character and have furnished incorrect and inaccurate information on my consumer credit reports. Not only that, I will attach proof that the account under the creditor XXXX has not been validated as stated in the response from the company themselves! I have been disputing this account since last year and it has come to my conclusion that these companies think they are just above the law in which I need to just take them to federal court and file a lawsuit. Please see the attached documentation pertaining up to this point before we are onto the next step in federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I XXXX XXXX, have come under extreme scrutiny for the false representation of a XXXX  account # XXXX. Not only were my rights to privacy breached these consumer credit reporting agencies XXXX and Experian exploited my character and have furnished incorrect and inaccurate information on my consumer credit reports. Not only that, I will attach proof that the account under the creditor XXXX  has not been validated as stated in the response from the company themselves! I have been disputing this account since last year and it has come to my conclusion that these companies think they are just above the law in which I need to just take them to federal court and file a lawsuit. Please see the attached documentation pertaining up to this point before we are onto the next step in federal court.

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 2022-09-15 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: FL

Complaint narrative:
This complaint is in regards to TransUnion violating FCRA 609 and 611. In letter from TransUnion dated XX/XX/2022, TransUnion stated " We verify all bankruptcies via PACER ''. Please see the attached supporting documentation. in accordance with FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), TransUnion must contact the " Data Furnisher '' in this case, the XXXX XXXX XXXX XXXX XXXX According to a letter I received and have provided to TransUnion, the courts have certified that they do report filings to CRA 's, therefore the " Completeness and Accuracy '' of this record could not be obtained. The letter is attached to this complaint for proof. I do not wish for " Re-investigation of this record as Transunion as already failed to do so. I am demanding the removing of this record as it is " Unverifiable and Incomplete ''. I will not accept a response from Verisk Financial dba LCI who is owned by TransUnion and who is also unable to " Verify '' the " Completeness and Accuracy '' of this record and has no " Permissible Purpose '' to obtain, transfer or distribute my " Personal Information ''. By providing TransUnion my " Personal Information '' without consent, LCI has violated 15 U.S.C. 1681 et seq.

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 2022-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I have disputing the XXXX XXXX report with Trans Union for months and they keep reporting that this is still an open account when infact its a closed account and was suppose to be resolved by making a good faith payment to XXXX XXXX XXXX. This inaccurate information is causing me financial harm and giving me no further option than to hire an attorney and file suit against both Transunion and XXXX XXXX. 

I have attached a screenshot from their website showing there is a {$0.00} balance and its closed. 

Why is Transunion still posting inaccurate 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 non-monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I completed an online purchase at XXXX XXXX with their branded card. They use Citibank to issue and process their cards. I have been double billed and the online department the credit department are playing the blame game. They each tell me the other needs to correct the issue. Neither is correcting the 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 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a joint Bank of America credit card account with another individual with whom I no longer associate. We have made several attempts to remove my name from this account, placing full responsibility of the account in the other individual 's name. 

Most recently, we were able to reach customer service representatives on XX/XX/2022, and they mailed out a paper document that was to be signed by both parties and returned by USPS or by fax only. We returned the fully executed document by fax by XX/XX/2022. 

As of XX/XX/2022 I am still on the account. I contacted Bank of America for a status update, but they are unable or unwilling to provide me with further information. This account has a XXXX balance, and has had a XXXX balance for the last few months. 

It seems inappropriate that a financial institution can hold individuals hostage using opaque and antiquated methodologies. This has been an extremely frustrating experience, and has completely soured me on doing any business whatsoever with Bank of America moving forward.

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