vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-01 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: CA

Complaint narrative:
I order my credit report from Equifax it reflects I have a negative balance of {$5600.00} a credit limit of {$35000.00} and balance of {$41000.00}. XXXX  no one in the company may know the issue has to deal with them migrating from one system to the next but as through out the whole day. I have been on hold then dropped io the survey. No one has been able to assist to me, unable to verify me or some can either way no answer, no correction and I end up In the survey. I believe there up date has dropped my credit score. My credit limit is not over the limit. I do not have a credit limit of XXXX. The change of their system has impacted me financially, and emotionally. I also ordered the credit monitoring service for {$9.00} because I thought it would be more detailed then the free one they offer which doesnt list the name of balances of creditors just lumps it together. But I paid {$9.00} to look at the same screen that gives me no information. The agents said they could not see any information either. I called to cancel several times they could not locate my account but I have the email to prove I Subscribed. I have the payment holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I had two large dispute one for {$600.00} and another for {$680.00} disputed because I had not authorized these transactions nor was I anywhere near the locations that the card was used I received a provisional credit but now they have reversed the money back and said these are accurate charges I have ask for any documentation proving that these are my charges and say it failed to provide me with any documentation but now my accounts it's extremely negative for I can not provide for my family because this amount has taken any funds that I had available. I asked to please extend out taking the money 1 week so that it does not take every cent I have since my money is direct deposited to this account. the declined to giving me any more time and any further documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: CA

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to dispute a series of billing errors on my Capital One credit card account. 
Unfortunately, I did not become aware of these recurring charges until XXXX of this year, at which point I immediately called Capital One to dispute the charges, which were $ XXXX/month since XXXX, increasing to XXXX/month in XXXX, amounting to a total of {$390.00}. These charges are for a service to which I have never subscribed. It is listed as XXXX. 

As soon as I became aware of these charges, I called Capital One on XX/XX/XXXX ( XXXX ). I told them that I had never had this service with XXXX and the card was deactivated. I was no longer able to use it. I checked on line for my expected credits and was shocked to see another charge, posted on XX/XX/25 for {$64.00}. I called Capital One again on XX/XX/XXXX ( XXXX ). I was told that the vendor had disputed my dispute and despite the fact that the ONLY reason the card had been deactivated was to prevent THIS CHARGE. They would provide me with no information as to how this could happen, other than to tell me that the vendor had the right to continue charging my deactivated card, although I could not. I had previously attempted to reach XXXX on two different occasions and was on hold for almost an hour each time without reaching anyone who could help me.I also attempted to contact XXXX via their on-line dispute process but my XXXX account ( which I have via my email account with XXXX ) indicates no subscriptions, so that also was a dead end. The fact remains that I did not subscribe to ANY tv service and have been paying for one ( unused ) since XXXX. 

I called Capital One on two other occasions. I complained on their website and received a response that they were looking into it and that someone would get back to me. No one has. All XXXX can confirm is that I have no XXXX subscriptions to anything, and without a subscription to contest, they can not assist me. 

I am retired. There is no TV service on the planet for which I would pay $ XXXX/month. 

I hope that you can help me. Please let me know if you need additional information. 
I am attaching my transaction sheets from my XXXX and XXXX statements, where it seems that the credits were applied, and then rescinded. I am angry and confused and do not know where else to turn. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-01 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: Fay Servicing, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX Fay Servicing reported account # XXXX as 120 days late. 

The last payment made on the account was XXXX, XXXX. No payments have been made since that date. To now show the account 120 days late is purposely hurt my credit score. 

I am enclosing the before and after reports as well as the account posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
My annual income recertification date for Income Based Repayment was upcoming in late XX/XX/XXXX. There was a notice on my FedLoan account website stating as much, and I knew that a missed recertification would mean payments would increase substantially to the " standard '' payment amount. I followed the account notice 's direction and submitted my recertification paperwork on XX/XX/XXXX with the understanding it was required. 

My joint income had increase in XXXX so I was notified on XX/XX/XXXX that my recertified student loan payment amount increased by roughly {$120.00}, with payments beginning in XX/XX/XXXX after CARES Act expires. 

It was later brought to my attention that embedded within FedLoan CARES Act FAQs, that income recertification is NOT required and can wait until the following year, which in my case would be XX/XX/XXXX, and a new payment amount XX/XX/XXXX. 

I contacted FedLoans via phone on XX/XX/XXXX about the issue and requested that my payment amount be reverted back to XXXX levels per CARES Act. That representative sent a note to another unit. I followed up via e-mail on XX/XX/XXXX but did not yet get a response. I followed up today via phone, XX/XX/XXXX, and was told that they rejected my request and my new recertification amount will stand despite the CARES Act not making it necessary, and despite their mixed messaging on their website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
XX/XX/XXXX PHH Mortgage/Ocwen Case # XXXX XXXX XXXX | Sales Manager, Direct Lending Sales PHH Mortgage Corporation NMLS # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Toll Free : XXXX ext. XXXX Fax : XXXX XXXX www.phh.com Good Morning XXXX, This is my second complaint in less than 30 days from the original on XX/XX/XXXX. I am seeking relief and I want this email to go on record as a formal compliant against XXXX XXXX ( Sales Manager ), XXXX XXXX, XXXX XXXX, and XXXX XXXX who have been assigned to process my file which PHH/OCWEN Mortgage Company has continued to ignore regarding my request for assistance in processing my refinance request in a timely manner. 

On XX/XX/XXXX, I received a call from XXXX XXXX reviewing my application for a mortgage refinance I submitted over three months. During our conversation, she inquired about a deed for my timeshare, that was paid off in XXXX, that the underwriter was requesting. I stated to her that I have a copy of the deed which I can email to her, which I did. I simply told her no matter what I submit per the underwriter 's requests, he will request additional information which will further delay my loan. She promptly agreed. She assured me that she is working diligently to have my file completed and forwarded to the underwriter and not to worry. 

On XX/XX/XXXX, XXXX, I spoke to another processor ( name unknown ) and was told she received my application from XXXX XXXX XXXX This processor is now asking for the same documents I have submitted three times previously to different processors. The unknown processor stated that she was going to send me an email requesting the documents listed below and that she is anticipating a closing date XX/XX/XXXX. 
* Credit report confirmation on a new car purchase * Last two years proof of employment along with paystubs * XXXX income tax filing XXXX XXXX, Sales Manager, has not intervened or offered any support. 

I would really appreciate if someone other than the Sales Department of PHH /OCWEN would assist me in addressing my concerns. I can be reached via email or by cell XXXX. 

Cc. Consumer Financial Protection Bureau Congresswoman Eleanor Holmes Norton Department of Housing Investigative Unit, Department of Justice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian dropped my credit score 10 points for no reason. When asked why this is what they sent me but none of it applies : Dear XXXX XXXX : Thank you for contacting Experian. Since we are not licensed credit advisors, we can not attempt to explain exactly why your score changed. Still, we would like to provide some information you may find helpful. 

Credit scores can change as information on your credit report is updated. Here are some of the most common reasons why scores may have gone down : A delinquent payment was reported Your credit card balances have climbed An account was opened or closed Youve recently applied for new credit An account on your credit report has aged off Credit scores are calculated based on the information in your credit report. Please note that credit scores can vary depending on the scoring model used ( examples : XXXX  or XXXX ). Additionally, credit scores can vary based on which credit reporting agency supplied the report. The score is based on your report and creditors are not required to report to all credit bureaus. The three major consumer credit reporting agencies in the U.S. are Experian, XXXX  and XXXX. Experian memberships utilize Experian credit reports and the XXXX  Score 8 model. 

The primary factors that determine a persons XXXX  credit score are : 35 % based on payment history 30 % based on amount of credit utilization 15 % based on the length of your credit history 10 % based on hard credit inquiries 10 % based on types of credit ( revolving, installment, etc. ) You may learn more about credit at https : //www.experian.com/blogs/ask-experian/ Sincerely, Your Team at Experian

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 2020-12-01 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: GA

Complaint narrative:
Experian is still reporting a late payment for XXXX in the Account Summary of my credit profile ; however this has been corrected on TransUnion, and it had to come from XXXX, so why is Experian talking about they are still working the issue. I in the process of buying a house and will held account for the negative information display which is not correct. 

Please see attachment from XXXX as well.

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 2020-12-01 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: NY

Complaint narrative:
Second request ... ..I received a call from XXXX and follow up email stating it could take up to 60 days for this error to be corrected. I am requesting CFPB notify the major credit agencies XXXX, XXXX, Experian, and XXXX who reduced my credit score from XXXX to XXXX in error. This error will have an effect on any major purchase I had planned in the month of XXXX. Hopefully, with your help this matter can be rectified asap.I will attach a letter from XXXX which does not state who they are going to notify and not a person to follow up with. 
Thank you again, 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 2020-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
They have not answered the phone for me the past 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Sir/Madam, My name is XXXX XXXX. My wife and I initiated a refi loan on XX/XX/2020 and provided all the information requested by XX/XX/2020 with a promise from Citibank to close in 60 days. As part of the requirements for this loan, we opened a {$200000.00} checking account. On XX/XX/2020 Citi charged us {$980.00} for an appraisal. Month after month we were told that you are in a queue and the underwriter will review your application soon. After several complaints to Home Lending Officer, " XXXX XXXX XXXX '', we escalated to XXXX XXXX, XXXX XXXX manager. On XX/XX/XXXX, we were told that we have conditional approval and requested some additional info. which we provided on XX/XX/XXXX. Again, there was no progress for months. We were told several times not to pull our application as our application was close to being reviewed. On XXXX XXXX we escalated to XXXX XXXX, Divisional Lending Director. She replied on XX/XX/XXXX that they are experiencing delays due to COVID-19 and " I will ask XXXX and XXXX to ensure we have all the updated documents needed so when the file is reviewed a final disposition can be made. '' After another inquiry, XXXX informed us on XX/XX/XXXX, " We are definitely making progress and I anticipate your loan to be reviewed by underwriting by no later than a couple of weeks from now ''. After a number of inquiries in early XXXX, XXXX responded via email : " I do not have the timeframe to offer as far as the closing of your loan due to our underwriting capacity ''. We decided to pull our application on XXXX XXXX and informed Citibank of our decision and asked for a refund of our {$980.00} appraisal fee. Citibank is not responding to our inquiries. 

Regards, 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 2020-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX XXXX my bill of {$66.00}. did not come through when I made the payment. When I notified the money didn't come out of the bank I decided to reach them out. The representative told me I was two months late and I should pay the minimum payment of {$150.00} to bring your account up to date. I told her they didn't notified me of the rejection she apologies and told me if I pay full balance of the account with her she will adjust the late payment fee and also will remove the late payment from my credit report. They adjusted the late payment fee but didn't remove the late payments from my credit report. I reach them so many time and explain the situation. They always told me same if I don't have a letter from them there is nothing they can do or that the late payments is accurate. I now can not get a mortgage because of this mark of my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: NY

Complaint narrative:
My social security number was compromised. I can't do nothing with my credit because somebody stole my Identity. I have attached all my documents. My ID, Social, and filed a report with the FTC. I have listed more accounts that are fraudulent due to the fact that the FTC only lets you put 5 which I have more than. I would appreciate if you remove this fraudulent information on my report immediately. God Bless you and your family in these horrid times. I have one life to live. I don't want to waste time moving on with my life because somebody stole my Identity. I hope you understand, Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: 2288984 Ontario Inc.
State: CA

Complaint narrative:
They contacted me and from the gate it felt off because I buying gift cards applying for a loan it didn't make sense then telling me to go to a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01 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: NY

Complaint narrative:
My social security number was compromised. I can't do nothing with my credit because somebody stole my Identity. I have attached all my documents. My ID, Social, and filed a report with the FTC. I have listed more accounts that are fraudulent due to the fact that the FTC only lets you put 5 which I have more than. I would appreciate if you remove this fraudulent information on my report immediately. XXXX  Bless you and your family in these horrid times. I have one life to live. I don't want to waste time moving on with my life because somebody stole my Identity. I hope you understand. This is not the first time is submitted a complaint to Experian. They are playing with me saying that I am not the one and I'm a credit repair company which I'm XXXX not. Help Me CFPB!

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 2020-12-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2020, I received a text from XXXX stating I had XXXX XXXX on my computer and to telephone the stated # given on the text to learn more. I immediately called the # and was told that I needed to purchase the latest Firewall so these types of incidents would never get thru to my computer. After relating this to my son, he investigated that the company was NOT XXXX, and called them. My son ( XXXX ) was told by the merchant -- XXXX -- that they were a XXXX party and represented XXXX. When my son told XXXX that we wanted to cancel the service, they refused, even going so far as to send Citibank a fraudulent e-mail that I did NOT write. When XXXX saw the e-mail, he immediately recognized the e-mail to be a screenshot and requested the original email. He was informed by XXXX that the email " was original and PAY the {$840.00} that you owe us. '' Citibank accepted the screenshot and closed the case. In XXXX, Citibank reopened the dispute, and now in XXXX, they have declined the dispute and have decided to endorse XXXX. I have proved various documentations of XXXX harassing me and using different telephone #, texting me that I have messages to my phone from a URL in XXXX that has infiltrated to my phone # that I need to respond. Of course, when I dial these # s, they are NO longer in existence. XXXX XXXX is harassing me, and I do NOT want to have anything to do with this scamming merchant. I also have cancelled my credit card with Citibank since I do NOT think they represent their customers and do NOT investigate claims made of fraudulent merchants. I would like to take a claim out against Citibank for not honoring and investigating disputes of their honored customers and also XXXX for fraudulently representing themselves as XXXX and submitting fraudulent e-mails to Citibank.

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 2020-12-01 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: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX reported account # XXXX as 120 days late. 

The last payment made on the account was XXXX, XXXX. No payments have been made since that date. To now show the account 120 days late is purposely hurt my credit score. 

I am enclosing the before and after reports as well as the account posting.

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