vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. XXXX XXXX XXXX XXXX   XXXX  , MD XXXX ( XXXX ) XXXX Made by : XXXX  XXXX XXXX XXXX  XXXX , MD XXXX ( XXXX ) XXXX 2. XXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
the keep adding charges to my closed account I paid and the said oh not you owe late fee I said XXXX I paid and they keep adding charges. I am retired and on SS not paying XXXX charges. Home Depot stinks

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 2019-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: ID

Complaint narrative:
I have an an escrow account with my mortgage holder, Specialized Loan Servicing.

They failed to pay my homeowner 's insurance on time, and now my  policy has lapsed. 

According to my escrow account transaction history, SLS withdrew funds from my account on XX/XX/XXXX, but I called my insurance company today ( XX/XX/XXXX ), and they still have not received payment. 

On XX/XX/XXXX, Specialized Loan Servicing sent me an e-mail saying they paid my insurance. Also on XX/XX/XXXX, my insurance company e-mailed me saying that my insurance had not been paid. 

This morning ( XX/XX/XXXX ) I received notice that my policy had lapsed. I tried for two hours to connect with a customer service representative from SLS to work out my problem, but could not get through their automated system, which was only able to repeatedly provide me with my escrow account balance. 

According to my insurance company, SLS received multiple notices describing when my payment would be due, and they still failed to send the payment on time. Once they knew the payment would be late, they apparently did nothing to expedite the process. 

I'm heading into the weekend now with no homeowner 's insurance. If SLS is unable to pay my insurance and taxes on time, then I would like to end my escrow account and minimize my interactions with this company.

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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER FOR I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, PLEASE HAVE THOSE ACCOUNTS REMOVED FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2019, I sent a Method of verification request to transunion by certified mail for inaccurate bankruptcy information on my credit report. I've received no response within the 15 business day grace period.

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 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
My Bluebird by American Express account was suspended for reasons unknown to me on Friday, XX/XX/2019. I received an email to contact XXXX XXXX XXXX. Upon contacting XXXX XXXX XXXX shortly after I received the email, I was told My account was permanently suspended and given no options to collect my remaining balance of {$490.00} and was told my account could not be recovered. I contacted XXXX XXXX XXXX again on Monday and was told to provide my mailing address so a check with the remaining balance on my card could be mailed to me since my account was permanently suspended and could not be unlocked. I provided my mailing address and was told a check would be in the mail and that I would receive it in 7-10 business days. I have not yet received any of my remaining balance so once again I contacted XXXX XXXX XXXX because I received another email that showed my remaining balance was still on the account. On XX/XX/2019, I spoke to a woman who told me that they could not send a check despite what I have been told and was told to contact Bluebird Customer Care via mail and gave me a mailing address as they do not have a phone number. I now have to wait for my letter to be received by Bluebird Customer Care and then wait an additional 10-15 business days for a response. I only wish to get my remaining balance Off of the account as I no longer want to do business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: TN

Complaint narrative:
I tried calling Experian for an explanation into why my data is sent to XXXX when I click send on their site. I was not able to get past their automated system. I have attached an image that shows where they are connecting to 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 2019-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Hello- I applied for a Parent Plus Loan in 2015 for XXXX which is a Federal Parent Plus loan. in reviewing this account to date 4 years later I have paid XXXX, XXXX to interest and only XXXX in principle. Unfortunately, I was not educated enough in how a XXXX federal loan would turn into a XXXX repayment loan. Sure they offer lower your payment, or forbearance so that Navient can XXXX you over for more interest. I am a U.S. Citizen who pays taxes but seems to be XXXX so others can reap benefits freely. In the end I get XXXX by trying to provided a better life for our children by thinking that the college education Federal lending program is here to help U.S. citizens and their families when in reality it is loan sharking and extortion business. Unfortunately, I've learned this too late in life, but trust I will start a forum to lobby so that new parents who want their children to reach the " American Dream " can be educated enough to know that the federal loan program is not a smart financial decision and college just want your money. I hope you take these comments and go back to congress and restructure this extortion program and decide to help the citizens, vets of this country, instead of funding the people who live off the system that I pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Second complain, I have a settlement offer from American express that I paid. 
They took the money, never send me anything in writing, and sent the balance to collection and report it on my credit report. 
When I reached out to American express and asked for the history of my payment to American express they keep saying that they can't give it to me. 
In the mean time I starting to get a new settlement offers from American express with out any explanation about the legality of the settlement. 
When I'm trying to call to the number the gave me, they refuse to give me any information that related to the history of my payment to American express or the legality of the settlement. 
I have tried to solve it for years and I'm seeking help, I can't get information and American express keep destroying my credit report. this is an abusing of power practice. 
Please help, Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently sent a certified Method of verification request to Experian on XX/XX/2019. I've yet to receive a response or deletion of the inaccurate item posted on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Include that their customer service would not help and take care of the negative inquiries reporting to your credit report! 

Inquiry details XXXX Inquiry from XX/XX/XXXX Utilities & Fuel Credit Tech Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Real Estate/Public Accommodations XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX from XX/XX/XXXX Credit Union XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc.

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 2019-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I applied for a Conventional Mortgage Loan with Bank of America, N.A. via XXXX ( ID XXXX ) on XX/XX/2019. Since that date, BOA has been extremely negligent in the processing of my application, which has resulted in me being under contract with a seller on a property for over three months. This negligence began with errors on the interest rate included on my initial application, which resulted in me having to complete multiple revisions to my application, ultimately delaying the process and causing me to request multiple extensions on the contract with the seller. 
Most recently, BOA was negligent in completing the appraisal of the property as ordered. My file cleared Rehab Escrow on XX/XX/2019, and a Subject To appraisal was ordered on XX/XX/2019. On XX/XX/2019, BOA uploaded an incorrect Subject To appraisal to my file which did not include the scope of work provided by XXXX between XX/XX/2019 and XX/XX/2019. Upon receiving the incorrect appraisal, the matter was escalated with BOA on XX/XX/2019. Since then, there have been repeated requests for updates ; however, no updates have been provided, no notes have been added to my file, and the corrected appraisal has not been completed and/or uploaded to my file. This has caused me to incur thousands of dollars in fees from the seller, as well as thousands of dollars in legal fees. BOA has also repeatedly accessed my credit report, as a condition of ordering the appraisals, which has negatively impacted my credit report and score. These repeated credit inquiries also caused BOA to report conditions on my loan application, which required me to submit to them a letter of explanation stating that there were repeated pulls, despite the pulls being initiated by them, again delaying the entire process. 
I have made multiple attempts to contact BOA to resolve this ordeal, to no avail. No one that I have spoken to at BOA was able to access and/or review my file. This whole process has been extremely unprofessional and unacceptable. It leads me to question how BOA is able to run a business and/or allowed to provide mortgages to XXXX consumers when they have failed me at so many steps through this process.

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 2019-09-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: SC

Complaint narrative:
On XX/XX/XXXX I was suppose to receive my ssi check. I did not. I called social security and direct express. It's now 19 days later and I still have not receive my money. Direct had the wrong address and phone number in the system and I have been calling every 3 to 5 days. Lately I have been calling everyday. For some reason they keep sending my money back. I have missed several doctors appointments and can not pay my bills and eat.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I recently began the process of refinancing my home in order to pay off credit card debt accrued during training/schooling. I owed nothing on my home and since rates are low I thought it a good time. I was able to easily obtain all needed information from all credit card companies except for PayPal. I could not access my account number for PayPal credit via secure portals on the website nor via the app. All other companies allow access to account information via secure portals. I contacted PayPal and they said the only way I could get information was via mail. It has been 8 days and still no information. I contacted them initially on XX/XX/2019 and again XX/XX/2019. I attempted to contact them XX/XX/2019 but could not get through via phone. They offer live chat but I was refused help and told to call and you can only send an email if it falls under very specific circumstances. I did some research and learned PayPal credit was sold to Synchrony Bank within the last 6-12 months. I was not notified of this. I never received a credit card and did not even realize there was a difference between PayPal and PayPal credit. Because of this holdup and PayPals inability to provide me with information that IS MINE my loan may not go through. I made the mistake of telling PayPal I needed the information to pay off the balance of the account and that my intention was to close the PayPal account. How am I able to make a payment every month and to make purchases without ever having an account number provided to me?

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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Lighthouse Finance Solutions LLC
State: FL

Complaint narrative:
Told to stop paying creditors as Lighthouse Finance would manage accounts and seek settlement. Wasn't told I must default on accounts! 
Complaint Telemarketer / Representative should have stated you must become delinquent and default on accounts for settlement process to take place. 
Very misleading. Requested to cancel ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-20 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: AZ

Complaint narrative:
I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of job loss, garnishment of wages, being sent to jail and prison, threats of violence and death from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX Debt Collection Representatives regarding fraudulent accounts that are not my accounts and do not belong to me. The accounts with the above creditors are all fraudulent accounts and not my accounts. Its extremely disturbing, repulsive and frightening that I am receiving death threats for accounts that are fraudulent and are not my accounts.This is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws. The above creditors are in serious violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Re : CBE GroupXXXX. They call me at XXXX almost everyday. I have advised that the person they are trying to reach is not me nor at my number. Yet they continue to call. I have tried to block the call but they continue to call me. No sure what else I can do. I have had this same phone number for more than 40-years so I can not figure out why they continue to call. 
XXXX XXXX

Company response to consumer: Closed with explanation