vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-12 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:
To whom it may concern ; I've been dealing with this issue for some time now, and nothing has been done with these fraudulent activities going on with my credit. I still cant understand how did this happen to me. this is my second time competing these steps. 
can you please remove these accounts off my credit. this is very stressful please help me resolve this matter Thank you.

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 2019-07-12 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:
The following fraudulent accounts and credit inquiry keep reappearing on my Equifax, XXXX and XXXX XXXX credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$5900.00}, XXXX XXXX, {$14000.00}, XXXX XXXX XXXX XXXX, {$8900.00}, XXXX XXXX XXXX XXXX, {$3100.00}, XXXX XXXX XXXX XXXX, {$30000.00}, XXXX XXXX  XXXX XXXX, {$370.00}. The fraudulent accounts dont belong to me. My U.S. Senator XXXX XXXX in the United States Senate and from XXXX is possibly going to call senate hearings for executives from Equifax to come before Congress and testify under oath about my case and numerous other constituents thats having constant issues, problems and disputes with Equifax in regards to fraudulent accounts and credit inquiries reappearing on my and other peoples Equifax credit reports, after Equifax has deleted and permanently block the fraudulent accounts and credit inquiries from my and other peoples credit reports numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted the 3 reporting services about fraudulent activity in connection with my credit report and instead of them acting as I requested, they posted unrequested fraud alerts and consumer statements to my credit report. This, in turn, rendered my reports useless for me to use.

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 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
We did not even file XXXX XXXX There is another person with my name that did and it was filed under me instead of them. 
Credit cards were stopped, couldn't pay them, Did file for bankruptcy in XXXX so now it shows we filed that as well as chapter XXXX when I didn't! 
Was working to fix my credit and working hard on it! 
Now it's showing that and not allowing me to pay and show my credit cards!

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 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Synovus Bank
State: GA

Complaint narrative:
I secured a First Progress MasterCard issued by Synovus Bank XX/XX/XXXX and never missed a payment. I made my last payment in XX/XX/XXXX and called to close my account. Since this was a secured credit card the difference between what I owed and my initial deposit resulted in a credit balance just over {$70.00}. Since this time ( nearly two months ) I have not received my check of over {$70.00} even though online the account is rendered closed. I called recently to inquire about the hold up of my funds, the customer service rep informs me it takes them 10 weeks after the close of the account to process my refund. When I asked why it takes so long to process my refund the only answer I received was its their policy. When asked would my money earn interest during those ten weeks, the response was no.

This is my first association with Synovus Bank although they have branches here in my hometown. I have several family members and friends who have checking and/or savings account with Synovus Bank because of their image of being a local bank and not part of a huge conglomerate and thereby would be more customers focused.

This is a marketing scheme and not true from my personal experience and here is why. During this same period, I also secured a credit card with a larger more established bank who issues the XXXX XXXX. Prior to me closing my account with Synovus, XXXX card wrote me a very nice letter stating they were changing the status of my XXXX card from secured to unsecured and refunding my initial deposit immediately since I was a good customer and never missed a payment, the same as my First Progress credit card. XXXX XXXX not only mailed me my refund within a week they also increased my credit limit to four times more than my initial deposit. Now XXXX XXXX from my viewpoint appreciates it customers and rewards them for their business and is more customer focused than profit driven. I really appreciate XXXX XXXX efforts and will continue to do business with them for several years to come. As for as Synovus, I dont agree with their 10 week wait policy for refunds without earning interest and will not do business with them nor any of their affiliations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted the 3 reporting services about fraudulent activity in connection with my credit report and instead of them acting as I requested, they posted unrequested fraud alerts and consumer statements to my credit report. This, in turn, rendered my reports useless for me to use.

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 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted the 3 reporting services about fraudulent activity in connection with my credit report and instead of them acting as I requested, they posted unrequested fraud alerts and consumer statements to my credit report. This, in turn, rendered my reports useless for me to use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XX/XX/XXXX recieved a letter stating capital one visa closed my account due to nonuse, however, my card had expired XX/XX/XXXX and they did not send me a new one. They also did not give me any advance notice so i could resolve the issue with them, and now they refuse to reinstate the card because it was closed XX/XX/XXXX. I believe this was unfair and i would like my card reinstated. They reported the account closed to the credit agencies. Thank you for your help. XXXX XXXX. XXXX. XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: TX

Complaint narrative:
I disputed some inquires in Late XX/XX/XXXX to remove some inquires due to a Victim of their Inquiry issue. I received a letter it was not resolved a deleted. Here are the in inquires XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XXXX XXXX/XXXX XX/XX/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 2019-07-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: CA

Complaint narrative:
I Received a call from a XXXX at PHEAA, number XXXX with information, I thought was, regarding my impending hearing to address the consolidation and the converting of both my federal and private loans and the documents and notes that had been altered. He became insulting, bias, intrusive, judgemental and condescending, yet I remained calm throughout the conversation. I listened, tried to obtain answers, as to my hearing date. He told me mid to late XX/XX/XXXX. And, until then, I can send in any other documents. He told me to call the XXXX number and ask for the Hearing Dept. if I had any further questions. Today, XX/XX/2019, I receive a call from PHEAA regarding I set up a payment plan, as provided by a XXXX XXXX at PHEAA. He did not address my impending hearing or the fact that I had spoken with a XXXX the day prior. I told him to stop calling the XXXX for collection demands and that I have documentation in file and that I did not have to provide him with my E-mail address when he asked for it. He placed me on hold, when he returned, I was told XXXX was not available but, XXXX wants me to set up a payment plan. I contacted the Default collections Dept at XXXX and spoke to a XXXX. She basically told me the same thing as XXXX XXXX. I had not received any recent calls, that I am aware of, from PHEAA until yesterday, XX/XX/2019. Now, the harassment is starting again. And, no hearing, no information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: AZ

Complaint narrative:
The following fraudulent accounts and credit inquiry keep reappearing on my XXXX, Experian and XXXX XXXX credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$5900.00}, XXXX XXXX, {$14000.00}, MN XXXX XXXX XXXX, {$8900.00}, XXXX XXXX XXXX XXXX, {$3100.00}, XXXX XXXX XXXX XXXX, {$30000.00}, XXXX XXXX XXXX XXXX, {$370.00}. The fraudulent accounts dont belong to me. My U.S. Senator XXXX XXXX in the United States Senate and from Arizona is possibly going to call senate hearings for executives from XXXX to come before Congress and testify under oath about my case and numerous other constituents thats having constant issues, problems and disputes with XXXX in regards to fraudulent accounts and credit inquiries reappearing on my and other peoples XXXX credit reports, after XXXX has deleted and permanently block the fraudulent accounts and credit inquiries from my and other peoples credit reports numerous times.

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 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I tried to get to the bottom a Foreign Transaction Fee charged to my account. When I called the first time the customer service representative, CSR, lead me to believe it was XXXX fault. When I called XXXX, they had no record of this charge. 

I call the bank back to inform them there was not record of it at XXXX, the CSR, said it was a fee the bank charges. She said it was in the fine print. 

This is wrong. How am I to know when am going to be charged a Foreign Transaction Fee when shopping on the internet? The CSR went on to say it was in the fine print of their paperwork. This will not help me when shopping on the internet. I won't know until I am charged the fee.

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 2019-07-12 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNT AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: LA

Complaint narrative:
I have been making payments on these loans since ive been XXXX XXXX. I entered military service XX/XX/XXXX. I was uninformed about scra right until about XX/XX/XXXX. I  called the company, they dropped my rate and back paid for interest to my principal. My loan was sold from XXXX to XXXX XXXX. Now, my rate is back to the max of 6 % ( per SCRA guidelines ) from the 3.2 % it was before. And to add insult to injury. I have paid {$11000.00} on the loan as of this writing. {$6100.00} to principal and {$5200.00} on interest. My outstanding balance on a {$15000.00} loan disbursed in XX/XX/XXXX on a 10 year loan is {$10000.00}. Nothing adds up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed some inquires in Late XX/XX/XXXX to remove some inquires due to a Victim of their Inquiry issue. I received a letter it was not resolved a deleted. Here are the in inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
I have 3 mortgages with Caliber Home Loans, XXXX XXXX XXXX XXXX, OK XXXX. 
The website and telephone system is unfriendly to me as a consumer, and difficult to navigate. I've tried several times to set up my payments as biweekly ACH autopay, and have been unable to do this because their system requires that I am ahead 2 months in my payments, AND that the next payment is due. So there is a narrow window of a few days in which to accomplish this, ( both after I've paid and after I wait until the next payment is due. ) This can only happen if I pay online, with an extra charge for online payment, and its still difficult times correctly. 
Whether an account is on ACH autopay is not reflected anywhere on my printed statements, or in any of the account details on the account website. ( Autopay accounts I have with other companies will say on the statement " Do Not Pay - Auto Pay. ) The only way I can check this is to telephone a representative and ask. There is always a very long wait through many prompts before I can speak to a representative, and the Caliber phone system is only available Mon-Fri XXXX to XXXX XXXX, Central time, inconvenient for me, as I live on the west coast. 
When I finally get to a representative, they are always helpful and professional, but the Caliber Company has not invested in a user friendly website, which would probably actually save them money in fewer calls to their reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Default on mortgage due to cut hours and other bills to debt. No car, breaks went completely out. I support XXXX children. Cloths food, and a home. I just recently found out it is in a excursion situation. Who I believe to be there father. He has payed half mortgage, half phone bill and daycare. Including the MID, all which are under my name. He states he will not pay, and is now not wanting to help financially. I have received multiple scams on loans and mortgage, ways out. We have found electrical devices in the home. Which can be used for personal data. No one is aware of any out side devices. Which he has no legal rights to do. I have found in a shoe box hidden in the closet of a lot of financial debt. And I believe I have added items on my credit report. Because some of the names did not look familiar. Or I was not involved with the incident.

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 2019-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I am making payments regularly to pay my mortgage in advance by sending in weekly or biweekly payments to pay additional principal each month. I am not doing this because I can not afford my mortgage. I am paying to pay additional funds towards my principal. 

Instead they are putting my funds in suspense, not applying my overpayment, and sending me loss mitigation. Right now with a credit of over {$780.00}, I have late fees on my account despite an overpayment. I do not understand why they are refusing to take extra money. Shouldnt I be allowed to pay more?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a notice from Capital One that my account balance was XXXX. My account limit is XXXX. I made a XXXX payment on XX/XX/XXXX to avoid having the account over the limit. Then on XX/XX/XXXX payment of XXXX was made to Capital One and now had a XXXX balance. 

My concern is that the account was over the limit as of XX/XX/XXXX with a balance of XXXX but was paid off within 3 days. The account was not over the limit long enough to be reported to the credit bureau. I called Capital One and they stated that it should not have been reported to the credit bureau and that it was a mistake. Never the less, their actions have affected my credit score. 

I want this resolved and Capital one needs to correct the information that they have sent to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
The loan servicer was contacted multiple times ( by phone and by email ) regarding how loan payments are applied. My son and I are co-borrowers on his student loan. On XX/XX/2019 at XXXX XXXX, I spoke with an employee at University Accounting Service , LLC . ( UAS ), requesting that any additional payment above the monthly due amount on the account be applied to principle. Upon requesting a confirmation number, the UAS employee told me that no confirmation number is generated for this type of request. The latest statement that we received regarding this account indicated that the XXXX payment, posted on XX/XX/2019, was all applied to interest. UAS was asked to correct the XXXX transaction and ensure future payments are applied correctly. Upon receiving a statement dated XX/XX/2019, I realized that payments were not applied correctly and contacted UAS again. Their reply on XX/XX/2019 was : Dear xxxx, Thank you for contacting University Accounting Service. 
Until the rest of the remaining balance of the interest is paid off, then the rest of the payments that you make, will be applied to the principal amount. As far as requesting that you make the loan a principal payment only loan, you would have to call in and request that to be done. 
If we can be of further assistance, please call our office at XXXX. Representatives are available weekdays from XXXX XXXX to XXXX XXXX CST. 
Sincerely, Borrower Relations University Accounting Service , LLC . 

So I contacted them yet again, requesting that this matter be corrected. Their second reply on XX/XX/2019 was : Dear xxxx, Thank you for contacting University Accounting Service. 
As of today you have {$1000.00} of capitalized interest that has accrued on this account. Due to this being a line of credit and not a loan, there is no way to make a payment that applies directly toward the principle without satisfying the outstanding interest that has capitalized into the balance. That interest is now apart of your total balance and that total balance is now what the daily interest is accruing on and what has to be paid. 
If we can be of further assistance, please call our office at XXXX. Representatives are available weekdays from XXXX XXXX to XXXX XXXX CST. 
Sincerely, Borrower Relations University Accounting Service , LLC . 

As of today, this matter is still not resolved as UAS is refusing to correctly apply payment made above the payment due amount.

Company response to consumer: Closed with explanation