vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I checked my credit file through experian.com. 

There are three late notices on my account that are incorrect. 
One for sure should not be there due to a discharged bankruptcy back in XXXX. 

The other two late notices should also be removed due to XXXX policy. 
Late notices will not be reported if you we're late within the first three years of your account being opened. 

In the first three years they have been contacted I have received extensions and I've exhausted all of the things required. 

I also paid the bills that were due ... 
At this very moment I shouldn't have any late notices ... 

Under XXXX XXXX XXXX which is where I have my vehicle loan. 
The comments area, says STUDENT deferred loan. 

This should be REMOVED due to it being a vehicle loan. 
ALSO I NEVER HAD A STUDENT LOAN. 

I am currently on hold with Experian. I requested the DISPUTE DEPARTMENT. 

The lady who answered my call FAILED to give me her name. So that she could be easily tracked, I will not disconnect and call back! 

She will be the very last person in my account as of XX/XX/XXXX. 


My call begin at XXXX XXXX Pacific Standard Time due to her not being able to assist me, I asked for a supervisor. 

She became angry and placed me on hold. I have been placed on hold since XXXX XXXX   Pacific Standard Time. 

This unprofessionalism is the reason for my complaints today. 

Unprofessionalism from an Experian agent ONCE AGAIN! When all I'm trying to do is protect my credit and personal information. 

There is a bankruptcy on file so there shouldn't be any issues with disputing things that should have been removed when it was discharged. 
Simple corrections or deletions due to errors should also be easily removed. I shouldn't get any grief by these so-called agents. 

There has been no update and I am still on hold with Experian ...

Dispute DEPARTMENT I am sending this complaint right now at XXXX XXXX because that is when someone disconnected my phone call.

So I've held on the phone alone with no update from XXXX XXXX  Pacific Standard Time to XXXX XXXX until they disconnected my call. 

I don't need any apologies, I'm not accepting any excuses, there was no misunderstanding just an unprofessional dispute agent who couldn't do her job!!! 

I asked for a supervisor and never got one!

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 2020-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: FL

Complaint narrative:
A letter of Intent to collect a debt was sent to me from : UNIFIN, Inc. 
( XXXX ) XXXX E-MAIL : XXXX Unifin REFERENCE # XXXX, Debt. Description : XXXX XXXX " Original Acct. # XXXX '' " Original Creditor XXXX   XXXX  '' " Current Creditor : XXXX XXXX XXXX XXXX '' `` XXXX XXXX Ref Number : XXXX '' " Amount Due : {$880.00} '' " Proposed Discount Offer {$440.00} or 3 monthly payments of {$190.00} '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Since my first Wireless phone service, back in XXXX, until today, my PROVIDER has been XXXX and NOBODY else ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Troy Capital, LLC
State: IL

Complaint narrative:
Troy Capital , LLC purchased an old auto loan debt in XXXX. Troy Capital , LLC never reported the said debt to any of the credit bureaus and made no attempt to contact me or collect the date prior to filing a lawsuit in small claims court. I was properly served paperwork around XX/XX/XXXX. As far as I can tell, filing a lawsuit without reasonably attempting to collect the debt is a violation of FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Section. 809 ( d ) The original court date, XX/XX/XXXX at XXXX at XXXX XXXX XXXX XXXX, XXXX, IL, XXXX, was rescheduled for XX/XX/XXXX. It was filed XX/XX/XXXX and sent through USPS. It did not arrive at my house until about two weeks AFTER the court date. 
I then received another letter through USPS that a NOTICE OF MOTION has been filed for XX/XX/XXXX at XXXX to enter default judgement against me ( the defendant. ) I attempted to contact Troy Capital , LLC and they referred me to their attorney at XXXX XXXX. I explained my situation and offered $ 100 monthly payments starting immediately to which they countered $ 150 monthly payments. I have since contacted an attorney to further pursue these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelson Cruz & Associates LLC
State: GA

Complaint narrative:
I became aware of this collections by viewing it on my credit report, by this company falsely putting this collection on my report has lowered my credit score and cause a missed credit opportunity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have a prepaid debit, Bluebird card, with American Express. On Thursday, XX/XX/XXXX American Express locked my funds, turned off their website on my computer, and turned off their app on my smartphone. I have repeatedly called their customer service number XXXX XXXX XXXX XXXX. I have repeatedly been told American Express has deemed me a perpetrator of a fraud and locked me out from my money. I really don't use the card all that much, and have CERTAINLY NEVER used it in a fraud attempt. American Express will not tell me what fraud it is they think I have committed, nor will they tell me when I will be able to get to my money. I do appreciate we are only talking about XXXX XXXX dollars, but I really resent their " steam roller '' attitude toward me. I also don't want American Express to treat others they way I have been treated. Please do what you can. I appreciate it. Stay Safe! XXXX XXXX Bluebird card number XXXX XXXX XXXX XXXX ) XXXX XXXX. 

American Express wrote CFPB back on XX/XX/XXXX the following : CFPB Ref No : XXXX Ref : XXXX Account Ending in XXXX Dear XXXX XXXX, Were writing in response to your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). We unlocked your account. 

This response is a total and complete lie! I am sitting here on Friday, XX/XX/XXXX. The card DOES NOT work, the website DOES NOT work, and the app on my phone DOES NOT work! 

Does American Express routinely lie to the CFPB? Are there any repercussions for American Express lying to the CFPB? Is there any other agency out there American Express is accountable to? 

I do appreciate we are only talking about XXXX XXXX dollars, but I really resent their " steam roller '' attitude toward me. I also don't want American Express to treat others they way I have been treated. Please do what you can. I appreciate it. Stay Safe! XXXX XXXX Bluebird card number XXXX XXXX XXXX XXXX ) XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Abusive & deceptive practice at Quicken Refi request amt : {$920000.00} 1 ) Loan originally started in XX/XX/2020, approved with closing scheduled on XX/XX/XXXX, the Mobile Notary person was a few hours late ( went to a wrong place ) onXX/XX/XXXX on the first signing date. She then sent my signed closing docs back to XXXX instead of forwarding to my 2nd closing location ( my residence ), which disrupted the entire process and the 2nd closing on XX/XX/XXXXdid not occur. A third attempt was scheduled today XX/XX/XXXX@ XXXX at my XXXX  location, and there was a no show by Quicken. 

2 ) After several back and forth with Quicken, this went into XX/XX/2020, I then requested a rate refresh, Quicken came back with a lower rate but did not mention the closing cost will be 10x times higher ( deceptive practice ). I discovered this when I reviewed the docs. When I tried to reach out for a resolution, Quicken tried to stall the process. 

3 ) I then requested {$0.00} closing at 2.625 % 10 Year ARMs. Then as we enter XXXX, I received a call from Quicken telling me that the loan will be withdrawn due to the outstanding time-because of their stalling tactic. Quicken then offered a new price, including points which was exactly what they had offered in XXXX, 10X times higher than the original closing cost. Which appears like a dirty tactic to force me to withdraw from the loan. Another abusive and deceptive act!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Called in late XX/XX/XXXX and asked for a pay off amount. I was given a estimated pay off amount. I called back several days later, closed the account and mailed a check for the amount I was given. Soon after I received a statement in the mail saying the account was closed but there was a credit balance of {$100.00}. 

I called and asked for a check to be sent for the credit amount of {$100.00}. Several days later I received two checks on the same day. I called again and was told I needed to send one of the checks back. I told them I was not going to do that, they needed to void one. After a long debate, supervisor agreed that would happen. 

The next week, while I have not yet cashed one of their checks, I received a third check. I called again and had the same argument with operator and their supervisor and eventually was told that I could cash the first of the three checks and the other two would be cancelled. Before I could do that, I received a statement in the mail that said I owed American Express {$210.00}. 

I called yet again on a Friday, explained the whole thing and was told that my problem would be taken care of and I would receive a call back on the following Monday. When the call did not come, I called again. 

This time, after the same argument about me needing to return checks, I was told I could destroy the first two checks and cash the 3rd and my balance was now XXXX. 

Not believing this would happen, I waited a week and called back. I was told that my balance was indeed now XXXX so I deposited the 3rd check. Three days later, the check bounced and my bank took the money back out of my account. I immediately called back and was told again that a credit balance team would be taking care of my problem directly and I would receive a call back in one week. I do not believe that will happen. 

I feel as if American Express is doing everything the can to keep me from closing the account and severing ties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26 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: FL

Complaint narrative:
I filed a dispute on XX/XX/XXXX for a collection that is on my credit that does not belong to me.When I logged in to check status it said no disputes found. Today XX/XX/XXXX I called to file a dispute again.I am victim of identity theft and just went through this same situation 3 months ago.

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 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
They have misapplied my payments which results in generating unnecessary fees. I've requested help, which has not been responded. They don't employ people, they only use computers. They have not communicated with good faith. In the past, the various departments don't share information so they require multiple submission of the same information. I want to have a discussion with a person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: FL

Complaint narrative:
See attatched Equifax Credit Report XXXX XXXX Account XXXX ) Date Closed XX/XX/XXXX Sold/Transfered Deliquent ** IS STILL OPEN See attatched XXXX XXXX XXXX Account ( XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$100.00}?????? What is going on? AND WHICH ACCOUNT OPENED THE VISA XXXX AUTOMATICALLY WITHOUT MY AUTHORIZATION?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am sending a new complaint because I can not tell if Chase is saying my re-dispute was valid even though the merchant never replied to my bad quality of service letter OR if my re-dispute is valid because I missed the time frame of getting the re-dispute letter to Chase. I am attaching the Chase letter they sent me on XX/XX/XXXX which doesnt say I missed the deadline but I am told from 2 supervisors on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX that I missed the deadline to re-dispute on time. I received a letter on XX/XX/XXXX saying my charges on my dispute was valid. I mailed a re-dispute postmarked on XX/XX/XXXX and Chase signed for it on XX/XX/XXXX. I called Chase on XX/XX/XXXX and XX/XX/XXXX and not once did Chase let me know when I needed to have my re-dispute sent by a certain time. In fact, XXXX told me XX/XX/XXXX and XXXX told me its 12 calendar days from XX/XX/XXXX was when they needed it by, both are different days. XXXX told me they wouldnt even know when it was due by till I sent the re-dispute, that doesnt even make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Opened account XX/XX/XXXX paid 1st Bill XX/XX/XXXX for XX/XX/XXXX they recd XX/XX/XXXX per cc. 
XXXX bill paid XX/XX/XXXX for XX/XX/XXXX they recd XX/XX/XXXX per c/s. 
XX/XX/XXXX I called to find out about bill pay electronic pay per customer service they do not offer that. 
Asked for charges to be taken off. Mail may be late from COVID-19 Per conversation. 
Talked to on XXXX XXXX/XXXX/XXXX  XXXX sent request for Comenity Bank to look into I sent Bank information showing the payment was sent in plenty of time. Still have not heard back regarding interest charge. They did send letter regarding late fee they said on the phone 1st call they would be crediting. 
XXXX talked with XXXX/XXXX  XXXX Talked to XXXX at My bank said it went in plenty of time only reason would be COVID-19 maybe held up. Not sure why. 
I deducted interest & late fees & notes it in memo. 
XX/XX/XXXX talked to XXXX/XXXX  supervisor? 
XX/XX/XXXX talked with XXXX/XXXX  tried again to get help no avail. I ALWAYS ALWAYS Pay in full on every credit card. I have tried to explain they want nothing to do with helping me. They will not let me talk to higher ups also when I have asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: ID Analytics, Inc.
State: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: MO

Complaint narrative:
XXXX XXXX XXXX HAS FRAUDULENT COLLECTION ACCOUNT PLACED WITHIN MY TRANSUNION CREDIT FILE XX/XX/2019 {$410.00} AND {$400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: GA

Complaint narrative:
I received a notice from my XXXX on XX/XX/XXXX notifying me of a change to my credit report. This was a surprise. Enhanced Recovery Co reported a new account to XXXX   that is listed as seriously past due in the amount {$1100.00}. I do not have any accounts with this company new or old. I do not know of this company. I do not owe this company any money. I never received any communication from such a company. I have never done business with this company. 


Steps taken : I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX, the day XXXX received the alert from XXXX. While I received confirmation that the complaint was received and forwarded to the Enhanced Recovery, as of today 's date I have not received a response from Enhanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Mortgage was taken over by NewRez in XX/XX/XXXX. I have no escrow account as I pay my taxes and insurance myself. 
In XX/XX/XXXX, I switched insurance companies. NewRez asked for the new policy info. It was provided to them by the insurance agent but they showed no record so we resubmitted it in XXXX and they acknowledged receipt. 
In XX/XX/XXXX, I received correspondence stating that they are creating an escrow account for lender-placed insurance due to their records showing no insurance. I figured they were behind in updating their records so I waited another couple of months. I received another notice in XXXX and decided to send them an email on XX/XX/XXXX asking them to re-check their records because the policy info had already been submitted twice. 
In XX/XX/XXXX, I started receiving letters stating my mortgage payments were past due. I have my payments set up via billpay for the bank to automatically pay every month. I double checked my account and saw the payments were still going out on time as scheduled. I called NewRez on XX/XX/XXXX and had the rep verify that payment was received. He confirmed it and also showed that I make my own insurance payments. I hung up feeling like I finally got resolution. 
In XX/XX/XXXX, I received a letter stating that we are behind on our mortgage payments and credit bureaus have been notified of my and my husband 's non-payments. Letter also mentioned they will begin foreclosure. Upon receipt of the letter, I emailed XXXX ( mortgage servicer ) asking for an explanation. I contacted the Consumer Federal Protection to  file a report. This requires NewRez to respond. In their response, they explained they did not have proof of insurance from XX/XX/XXXX - this was when they took over my mortgage from another company and should have received that info from the previous mortgage company. They also explained the reason my mortgage payments are not current is because they have been applying my payments to the lender placed policy ( which costs {$8300.00} per year ) they started for me. They asked that I send proof of insurance from XX/XX/XXXX to XXXX which I did immediately and also asked for confirmation that my records are updated. I received no response. 
In XX/XX/XXXX, I received a statement saying my loan is in default due to no payment. I called to find out about the insurance docs I sent and they explained that I should have sent docs to XXXX and that I should call back in a couple days for confirmation of receipt. I called back in a couple days and was told I need to wait for a letter. 
Clearly NewRez and the mortgage servicer Shellpoint Mortgage   are not in sync with their accounts or communications. I will be filing another complaint with the Consumer Federal Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: Rocket Mortgage, LLC
State: KY

Complaint narrative:
Rocket Mortgage owned by Quicken pulled my credit report without my or my wife 's authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: STATE FARM BANK, FSB
State: KS

Complaint narrative:
XXXX XXXX XXXX Sent money on XX/XX/2020 via paper check in the mail. I was informed it was for a XXXX XXXX job which I had applied for. I also called my bank and the bank the check was from to see if it was legit and it was.

Company response to consumer: Closed with explanation