vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Aqua Finance, Inc.
State: AL

Complaint narrative:
I financed my water softener through Aqua Finance Inc XXXX XXXX XXXX XXXX ( hereafter referred to as Aqua Finance ). For this, a credit account was opened. I received an invoice on the mail and decided to send them a check for the total balance listed on the invoice. The check I sent in was received by Aqua Finance before the listed due date, and even before the next invoice was generated. 

The following month, I received another invoice for interest that had accrued. After calling Aqua Finance to understand what happened, they explained that the amount due is only valid as of the day the invoice was printed, meaning that the listed balance is not correct even the following day. This seems to be an unfair and deceptive practice. 

I was told that the only way to pay off the account was to call in and get a payoff quote. When I asked what would happen if I never called, but continued to pay via invoices, I was told i would be paying interest indefinitely. To require someone to call to get a true and accurate payoff is unfair and deceptive, as well as potentially discriminatory to individuals with XXXX. 

When asked if they would waive this unfairly accrued interest, they refused. I have not gotten any resolution with Aqua Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XXXX XXXX 2020, I applied for an extension on my mortagage loan with shell pointe website, I checked my credit a week ago and I find that shell pointe had sent negative information to credit bureau I contact the bank expecting an explanation like it was a mistake but instead they did nothing. Well understanding the risk of have my credit damaged by this bank I rushed and squeezed all of my money to pay this past due and it was paid, last month they reported a 30 late payment on my credit it doesn't reflect the truth. 
Please accepting my complain and help me removing this negative information from my credit Best regards and always respectfull 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 2020-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX card is listed on my credit. Debt does not belong to me. Tried fixing with company, company states can not find account even if I send them information on credit bureau. The debt isnt mine Ive had a fraud alert on my credit report since 2007. No credit is supposed to be opened on my credit file unless I am called on number provided on credit report. 

This is fraud please remove. 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 2020-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/2020 I was admitted into the hospital for XXXX   XXXX, etc. while I was in the hospital I had fraud happen on my CHIME CHECKING account. I was discharged from the hospital XXXX XXXX, 2020. While I was in the hospital I received a direct deposit payment from unemployment Florida DEO because Im on unemployment. The deposit amount was {$250.00}. {$230.00} was taken/ withdrawn from my account. On XX/XX/XXXX, there was a payment of {$16.00} to XXXX  XXXX  which I dont even have anyways, and {$3.00} at something called XXXX XXXX  XXXX XXXX. On XX/XX/XXXX I received a deposit of {$900.00} from unemployment. {$500.00} was taken/withdrawn, 3 charges at XXXX totaling {$100.00} and 2 more charges at XXXX totaling XXXX and XXXX. That same day a charge at XXXX was made for {$9.00}. On XX/XX/XXXX before I was discharged another deposit was received from unemployment for {$300.00}. A {$240.00} payment was made to some insurance company. I reported the fraud as soon as I got home when I saw it. I notified them that my wallet was stolen, along with my cellphone, as well as important information in a notebook I had that was pocket sized. After making my claim I realized my entire account was compromised. I received another unemployment payment of {$300.00} to be taken/withdrawn again! On XX/XX/XXXX there was a mobile deposit made in the amount of {$220.00}. I have never deposited 1 check as long as Ive been using Chime which has been a while. Thats when I dealing account was compromised. Following finding this out I made another claim to let them know what was going on. I changed my password and my phone number on my account and they issued a new card, etc. Both of my claims were denied even though I submitted all the information they asked from me as well as documents showing that I was admitted into the hospital on XX/XX/XXXX and diacharged XX/XX/XXXX. They said that nothing unusual happened on my account and my claim was denied. I am so mad and frustrated I do not know what to do. Its point blank and pretty obvious fraud was happening if I was in the hospital for so long and I have out NO INFORMATION or any permission for someone to use my account. Im so upset. All the charges come out to about {$1700.00}. I read online how CHIME is notorious and known for denying mostly all the claims that they received. Please help me get my money back. This is not fair that I am a victim of fraud and I have to suffer. Im almost homeless, I have no money for food or my phone or gas. Im so behind on my bills and I cant even catch up. I supplied everything I was supposed to on the claims. The claim numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: SD

Complaint narrative:
My mortgage loan was service transferred to XXXX XXXX in XX/XX/2020, at the time of service transfer the loan was boarded and coded as a discharged Chapter XXXX  non-reaffirmed loan significantly impacting my credit. 

I submitted a NOE and the issue was not addressed. I called XXXX  XXXX XX/XX/2020 and was advised there was a systemic issue and approximately 26K accounts were impacted and flagged as either an active or inactive Bankruptcy where the consumer was NEVER in a bankruptcy nor was the property a part of a bankruptcy. The representative was going to escalate this account to have the bankruptcy flag removed and issue an ACDV  to the credit reporting agencies to correct the error. 

I called to follow-upXX/XX/XXXXand spoke with a supervisor after I was on hold for 35 minutes and the representative could not advise of the bankruptcy case number on file or any evidence to support why the loan was coded as a discharged bankruptcy. 

Not only did this effect me but several other consumers who may not be knowledgeable to mortgage servicing regulations and requirements. XXXX XXXX failed to properly investigate the account when the NOE was submitted advising of such error. XXXX XXXX dropped the call, creating additional stress and time creating another call back and being on hold for almost an hour only to be rerouted the the bankruptcy department hung up on significant hold times. 

I was unable to to speak to a supervisor today, and was advised I will receive a call back later today. This has caused unnecessary anguish and stress. 

Also due to the incorrect credit reporting I had to pay a higher interest rate on a vehicle I recently purchased where this issue was brought to my attention again. 

Additionally - the Periodic Billing Statements did not have the appropriate Bankruptcy disclosures for a discharged non-reaffirmed chapter XXXX since the loan was coded as such.

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 2020-10-02 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: IL

Complaint narrative:
I HAVE TAKEN A LOOK OVER MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND INQUIRIES REPORTING ON MY CREDIT FILE. THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME. PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
XXXX/XXXX  has placed {$610.00} of unauthorized, automatic enrollment charges to the account and has failed to acknowledge cancellation of the service agreement within the stipulated cancellation period of one week. The account ha now been turned over to a collection agency, Convergent Outsourcing who has reported as a delinquent account on my credit reports - account # 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 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Compass Recovery Group, LLC
State: TX

Complaint narrative:
They called many members of my family and friends. Telling them that I am delinquent and my house is going to have a lien put on it. this went on for many months. Telling many people about this situation. After they contacted my father. I called her and she advised she was with legal, and she wants to stop a litigation. Which I have received no information on. She said they will put a lien on my home. This credit is not on my credit report. I was very scared, so I paid it. Yet now I know there was no debt, and very illegal for what they did. My credit report did not even change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX at XXXX pm est I tried to login on to my account to pay my bill the bill is due the XXXX of each month and since XXXX myhusband and I have been out of work due to covid we have been doing all we could to avoid the 30 day late mark on our credit each month I called explaining our situation and Citizens waived our late fees to day in particular when trying to log on the site was only giving me a payment post date of XX/XX/XXXX which would cause a negative report on our credit. As soon as seeing this I tried calling on my landline the wait was 30 min finally after holding get hung up on. Called back to another number after holding 9 min spoke to rep XXXX to see if there was anyway I could use a payment method to reflect payment post date of XX/XX/XXXX he advised he could submit with todays date but wont post until XX/XX/XXXX and he is not sure how this reports on my credit. I asked him to please get clarification as I needed facts as we are in the middle of refinance due to covid and not being able to afford mortgage payments and could not have a negative credit report. he said he spoke to his manager XXXX who advised that's the best they could do if it reports call there credit department! They do not know how the reporting office works. I am beyond frustrated as well as there is no disclaimer on the site advising cut off dates for payments to post! I made the payment on XX/XX/XXXX at XXXX but yet it had me use a post date of XX/XX/XXXX this is totally unfair Please delete the negative mark. I will be signing up for auto pay to avoid this from happening in the future I start a job on XX/XX/XXXX we have had no issues until now. And we really need to be able to refinance our home to avoid being homeless times have been VERY VERY hard and we are committed to getting things back right. Please help! 
Sine this i do see now they have the payoff cutoff time listed on their help section not on the payment screen. I also have an email confirming the date of XXXX payment and also a screen shot from there onsite message center where the rep advised me my XXXX payment would cover my XXXX payment. On XXXX the office of the chairmen contacted me and said there was nothing they can do since the payment would reflect 31 days. This is unfair business practices and i have screenshots of the payment page as well where there is no cur off time listed the payment page. due to covid my husband and i have been out of work trying to keep up with this payment as best as possible. We are trying to refinance our home and now this negative mark is hindering us going forward this shoul dnot be because i paid on the XXXX and they are saying because it was past there XXXX hour mark there is nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX card is listed on my credit. Debt does not belong to me. Tried fixing with company, company states can not find account even if I send them information on credit bureau. The debt isnt mine Ive had a fraud alert on my credit report since 2007. No credit is supposed to be opened on my credit file unless I am called on number provided on credit report. 

This is fraud please remove. 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 2020-10-02 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: TX

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: HI

Complaint narrative:
Aloha and good afternoon, my name is XXXX XXXX and I live in XXXX Hawaii. 
I own a rental property located at XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX, XXXX Hawaii XXXX. When I purchased this property a few years back I purchased it from a gentleman named XXXX XXXX XXXX. I purchased it from him under whats called an agreement of sale on the mainland its called a wrap around Mortgage I never assumed that underlying first mortgage. I am now selling this property and have spent endless hours and days dealing with the XXXX  at Mr. Cooper, formally nation star mortgage. The changed the name as a way to appear more friendly? These guys have an F rating with the XXXX XXXX XXXX XXXX XXXX only has a D rating? After my encounters with Mr. Cooper, I am surprised its only an F? So, here is what I could use some help on. All we want from Mr. Cooper is to get a payoff demand so we can pay them off this has proved to be impossible. One of the many calls was with a XXXX employee # XXXX, and she said she would have a supervisor call me back in 5 to 7 days, that Great customer service .I never got a call from a supervisor, BIG surprise. She was able to find the payoff based on two items provided the original borrowers name and the property address. So they can find the information. But, because the seller ( XXXX XXXX XXXX ) is not been found we have no way to get an authorization to get a payoff. We do not want a mortgage rating, just a simple payoff. At the beginning we had been told to send an email to the following departments research Incoming. You can not call them as they do not have a phone, even better customer service?? We sent the email after we had been told it would take 72 hours to get a response. That was two weeks ago, and when we emailed to follow up with the incoming research department they emailed us back saying they lost the first request, what a bunch of XXXX. We are trying to close this transaction. As of 2 days ago and Mr. Cooper has caused Harm from the delay. All we want is to pay these guys off and be away from them. We do not have a loan number for this loan, it was an old countywide mortgage and sold to Mr. Copper. But, they did find the payoff already, just did not release it. Getting an authorization is not possible from XXXX XXXX XXXX, Mr. Cooper already attempted to reach him on some old phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I have a mortgage with Citizens One. It has an impound account. And I have set up automatic mortgage payments through my bank. In fact, I set up a little extra so that it would go toward principle. 

Since I pay automatically, I haven't always looked at every single statement from the lender. Earlier this year, I missed a letter stating that there was an adjustment to my escrow account. Because of this, there was a month where my payment was {$87.00} short. As soon as I realized this, I contacted the bank to try and get the situation resolved. With each contact, I did everything they told me to do. I adjusted my monthly payment to exactly what they told me to pay. But every month since XXXX, the payment is still not right causing issues with my account. I've escalated to the CEO of the bank without any help or resolution. 

In the middle of all this, I tried to purchase a different home. I was denied a loan because they reported late payments on my account, making it seem like I was delinquent in the mortgage payments, rather than the {$87.00} escrow shortage. 

Even though I shared proof of everyone I spoke with and everyone I escalated to and every payment adjustment I made based on those conversations, they would not issue a courtesy removal of the late escrow payment to the credit bureaus. To this day, I'm still getting two bills for the same month and the amounts are different than what supervisors were telling me to pay. 

This awful situation has negatively impacted my future. I've had this loan for about 10 years and this is the first time I've had an issue. And still they would not work with me. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: IL

Complaint narrative:
I HAVE TAKEN A LOOK OVER MY CREDIT FILE AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES REPORTING ON MY CREDIT. THESE INQUIRIES DOES NOT BELONG TO ME SO I AM ASKING THAT YOU PLEASE REMOVED THEM OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Avant Credit Corporation
State: OH

Complaint narrative:
I closed the credit card account due to hideous customer service. There is a credit balance of {$7.00} in the account. I have asked the company to refund me the credit balance numerous time via internal secure messaging. I have had no response to my request. I sent a final demand for payment letter to the company via USPS Mail with tracking. I have had no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: IL

Complaint narrative:
I HAVE TAKEN A LOOK OVER MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND INQUIRIES REPORTING ON MY CREDIT FILE. THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME. PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation