vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I believe my credit file was involved in the Equifax breach and my entire credit file is blank with them, leaving me with a poor credit rating and score number, keeping me from acquiring much needed credit to improve my file. I am not able to access my report or score for Equifax online or by phone, due to the fact the information on the file is either incorrect or not there at all. I have sent documentation to Equifax 2 times to get this settled and still nothing has changed. I wasnt even aware of the breach until i heard it on the radio. I have taken time over many years to clear and dispute many fraudulent items on my file to then have such a grievance with the main reporting agency. The embarrassment and challenges I've had to go through cant be fixed with money. Id like my file, report, and score recovered somehow. My score has improved with the other reporting agencies but not with Equifax. Horribly upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: CT

Complaint narrative:
Transunion continuously updated a duplicate account with diffrent info each time i disputed it. My last report had two diffrent last payment dates

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 2020-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
PayPal Credit has offered both 6-month and 24-month payment options under certain purchase price conditions, interest free if such payments are made before the end of the payment term. Previously I have always made 6-month deferred payment purchases without incident. But on XX/XX/XXXX I made an XXXX purchase of {$1200.00} with '24 Easy Payments '. And on XX/XX/XXXX I made a second XXXX purchase with '24 Easy Payments ' in the amount of {$1800.00}. I specifically made these purchases because of the 24 month ability to pay them off. During the months of XXXX, XXXX and XX/XX/XXXX I made payments in the amounts of {$1200.00}, {$1500.00}, {$1500.00} totally {$4200.00}. On XX/XX/XXXX I had a balance of {$5500.00} which reflected 6-month deferred  purchases on 6 separate transaction that were made in XXXX and early XX/XX/XXXX in various amounts. I discovered on XX/XX/XXXX that PayPal had applied the {$4200.00} towards my XXXX  XXXX  month deferred payment purchases which are due in XXXX and nothing to 6-month payment purchases made at much earlier dates with the effect being that those 6 month credit purchases are now due in 2 or 3 large payments and my account will then be paid off because of the accounting method PayPal. I first 'live chatted ' with XXXX regarding this strange accounting practice and he gave me 2 explanations. ( 1 ) The company knew they had a 'glitch ' in processing payments and ( 2 ) It was necessary for me to call PayPal every month after I had posted a pending payment and tell them how I wanted my payment to be re-allocated. And then that re-allocation would be made in 1-2 billing cycles. I asked XXXX where in the PayPal website it told me that my monthly payment would first be applied to '24 Easy Payments ' purchases rather than earlier purchases? And where did it state I needed to call and reallocate my payment if I didn't like the way PayPal allocated it? He said there was nothing in the website. I asked how was I to know to reallocate payments and I was told that I had to figure it out myself. I asked for it to be resolved yesterday and I was told to call PayPal at ( XXXX ) XXXX which I did and spoke to both an agent XXXX and an Account  Manager XXXX. XXXX reiterated that it was my responsibility to call and reallocate the payment however I saw fit. She offered to reallocate funds but said it would take up to 2 months and that I should still pay applicable charges to avoid interest penalties. Paying applicable charges amounts to paying off the account instead of having the option of carrying the amounts for 24 months. A very deceptive and unfair result.

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 2020-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
Called Medicredit  collections because I noticed a collection on my credit report. During the verification process I noticed they had a very old address for me on the file. I asked them if they can update my new address. I informed the representative that I never received a letter or a bill for this account, otherwise I would pay it or dispute it. Since I never had the chance to dispute or pay before the account reflects on my credit report I asked for a deletion of the trade line on my credit report. The representative told me she was not authorized to do it but will have a supervisor calling me back, I never got the supervisor call. A few days alter called and requested to speak with a supervisor, since it was not a supervisor available to take the call they promise me to have one calling back. Mr. XXXX, a supervisor, called the same day, I informed him the situation that I was in the position to pay bill, but since I never got a letter or bill from his office I was asking for the deletion of the trade line on my report. He won't to approve the removal just because they have the account in their office since XXXX, but later he claimed the date of service was on XXXX, but anyways they had the bill in their office with a wrong contact information, so they couldn't reach me or inform about this bill. 
Since this bill is very old and the supervisor couldn't provide accurate or at least stable information of the bill and since I do not remember the medical service, I asked for an itemized statement in the mail to verify this is a medical bill belongs to me. A few days later I received a letter from Medicredit to inform me the bill was placed on office and with at date of service XX/XX/XXXX, this confirm Mr XXXX was wrong when he claimed the bill was placed in his office in XXXX. I received a notice from the collection agency but I didn't received the itemized statement that I requested in first place.

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 2020-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
In XXXX of XXXX my mortgage was sold by XXXX XXXX to Mr Cooper. Mr Cooper failed to renew my flood insurance policy with with XXXX XXXX that was escrowed for 2 years with XXXX XXXX. The claim was they didn't know it was escrowed. So they put a lender placed policy. The problem is that I was placed in a flood zone 3 years ago so I immediately got a policy through a FEMA plan that got me a discounted rate. So thanks to Mr. Cooper I lost that plan and have to pay almost {$200.00} more a year for my policy. When my mortgage was sold the information on the policy and what was being escrowed went with it. I am paying substantially extra for that purpose. There was {$550.00} extra in my escrow ... just sitting there. Because Mr Cooper caused my policy to lapse and paid for a higher cost policy it left my escrow in the negative, causing me more expense. 

Mr Cooper then sold my mortgage in XXXX of XXXX to XXXX XXXX. When they did an escrow analysis they added an additional {$80.00} to my monthly payment. I have spent the last 5 weeks working to identify why. XXXX XXXX  couldn't do anything and Mr. Cooper wouldn't contact Freedom Mortgage, XXXX XXXX  wouldn't contact Mr. Cooper. No one could tell me why my XXXX XXXX flood policy lapsed. I had to track down the issue myself. 

Mr. Cooper was obligated to pay for the policy since they had the declaration page ( they admitted they had it ) and the escrowed funds. They claimed they sent me 2 letters asking for proof of coverage. But they also admitted they never once attempted a phone call or email. I never received any letters. But they had the information and the funds. They were obligated to pay. I had never had to worry about it with XXXX XXXX that is why I escrowed it. 

Now it has been sold and Mr. Cooper doesn't think it's their issue anymore. I have an FHA mortgage. My insurance went from {$550.00} a year to {$740.00} a year and that's with a massively reduced coverage. It would have been another {$200.00} a month with the same coverage for a total of {$400.00} extra per month. I believe this is gross negligence. Surely there is something that can be done, some way to recoup some of this added expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: NY

Complaint narrative:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX Acct # XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have contacted the FTC and local police.

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 2020-03-06 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:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX Acct # XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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:
I applied for a XXXX 's credit card today XX/XX/20 and unfortunately, I was not approved. I called them to ask why I was not approved and they told that the reason is that there are five accounts in negative standing appearing on my credit report. I had no idea what accounts they were talking about since I have always maintained good payment history on any card or loan I have had. I got a copy of my credit report and I saw those five accounts and none of them belong to me. I did not open any of these accounts nor do I have any written/verbal contract with any of those companies ; I am not affiliated to the companies I have listed on this report in any way and I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods or services. I have filed a complaint with the CFPB and a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for and was granted a loan modification on a home I inherited. XX/XX/XXXX, I called Bank of America 's automated system, to make my 2nd mortgage payment. The payment amount requested was {$290.00} more than the regular monthly payment. I call customer service and the rep said " the additional $ XXXX is the fee charged by the foreclosure attorney, but the good news, you're not required to pay it immediately, you can pay it whenever you are able ''. 

How is an extra $ XXXX good news? 

I read the modification docs I signed, and the bank accepted. There is no mention of that charge anyplace. I told the rep that and she said " we are not allowed to put that in the modification contract, but you have to pay it ''. I asked to speak with my CRM. The rep left a message for my manager, but told me, my CRM will tell me the same thing. 

I am at a loss. I have been working on this modification for a year, and this fee has never been mentioned. 

Bank of America is just able to apply a fee that has never been discussed?

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 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for a XXXX 's credit card today XX/XX/20 and unfortunately, I was not approved. I called them to ask why I was not approved and they told that the reason is that there are five accounts in negative standing appearing on my credit report. I had no idea what accounts they were talking about since I have always maintained good payment history on any card or loan I have had. I got a copy of my credit report and I saw those five accounts and none of them belong to me. I did not open any of these accounts nor do I have any written/verbal contract with any of those companies ; I am not affiliated to the companies I have listed on this report in any way and I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods or services. I have filed a complaint with the CFPB and a police 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 2020-03-06 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: CA

Complaint narrative:
I applied for a XXXX 's credit card today XX/XX/20 and unfortunately, I was not approved. I called them to ask why I was not approved and they told that the reason is that there are five accounts in negative standing appearing on my credit report. I had no idea what accounts they were talking about since I have always maintained good payment history on any card or loan I have had. I got a copy of my credit report and I saw those five accounts and none of them belong to me. I did not open any of these accounts nor do I have any written/verbal contract with any of those companies ; I am not affiliated to the companies I have listed on this report in any way and I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods or services. I have filed a complaint with the CFPB and a police 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 non-monetary relief
Consumer complaint received 2020-03-06 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: FL

Complaint narrative:
This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromisation of my social security number, and identity theft.

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 2020-03-06 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: WHEELS FINANCIAL GROUP, LLC.
State: TX

Complaint narrative:
My current XXXX  credit report shows inquiries on XX/XX/XXXX and XX/XX/XXXX that I dont recognize and did not authorize. I have sent written notice to the business listed below that I did not authorize these inquiries and requested that they be removed immediately. The written notice was sent on XX/XX/XXXX with delivery confirmation. Also, the inquiries were removed from my XXXX   and XXXX  reports but still remain on my XXXX  report. 
These unauthorized inquiries are having a negative impact on my credit score/report and have been cited as reasons why I have been denied credit. 

Name of Business : XXXX XXXX/XXXX  ( aka Wheels Financial Group, aka XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX was using XXXX  XXXX  for their store credit card. On XX/XX/2020 they moved their store card over to Citibank N.A. We received a notice in the mail that they were moving the account and we were to use the new website to set up our account. In order to set up the account we needed the new XXXX Credit Card. So we call Citibank N.A. and they said that the account was closed. We asked them who closed the account and they stated that the account was closed by XXXX XXXX. We then called XXXX XXXX  and they said that they didn't close the account it was just transferred to Citibank. We have been going around and around with them. We have no where to make our payments too. XXXX  wont take them and Citibank won't take them. If we don't make the payment they will put a negative mark against our credit.

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 2020-03-06 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:
This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromisation of my social security number, and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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:
This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromisation of my social security number, and identity theft.

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 2020-03-06 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: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
I was a XXXX XXXX customer with no contract. I was billed monthly in advance for service. I cancelled three days into the billing cycle and was told I would receive a pro-rated bill by XXXX  customer service. I never did receive the pro-rated bill. I called customer service and was given the run around, transferred from one agent to another for over an hour. One agent even said I was not billed in advance, I asked her to look at the bill, it clearly show the dates of service I am being billed for. I told them I would be more than happy to pay them what I owed but I will not pay for services not rendered. I have the original bill with notations of the dates I contacted them, in good faith, to resolve the issue. They threatened to put me in collections, that when I hung up. Now, almost a year later, I received a collection letter. I also checked my credit report and my score has decreased as a result. Dates of service being bill for were XX/XX/19 through XX/XX/19. I called XXXX   on XX/XX/19 to cancel. The agent I spoke to on XX/XX/19, after receiving another bill for the full amount, even acknowledged he sees a record of the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation