vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 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: MD

Complaint narrative:
On XX/XX/20 I received a letter from XXXX XXXX  would remove the public record from my file. They provided me with a letter I forward that letter to the Experian and XXXX  which continue to state that the bankruptcy is verified and refuse to remove it

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 2020-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Despite numerous attempts to comply with Bank of America and not have our tenant 's security deposit escheated to the State of NJ, the account was escheated to the State of NJ and now we can't find it anywhere.

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 2020-04-02 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-04-02 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX {$480.00} XXXX  XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$140.00} XXXX   XXXX XXXX {$190.00} XXXX  XXXX {$390.00} XXXX  XXXX {$120.00} XXXX  XXXX XXXX  XXXX {$15000.00} XXXX XXXX {$220.00} XXXX XXXX XXXX/ XXXX {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I received a Letter from XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX   XXXX. XXXX, GA XXXX. with a Contact # XXXX. Dated XX/XX/20. 
CREDITOR : NAVIENTFAMS ID NUMBER XXXXINTEREST {$1900.00}, with a PRINCIPAL {$70000.00}, OTHER CHARGES {$40.00}, TOTAL {$72000.00}. Listed on the Letter is a XXXX XXXX, Vice President of Operations @ XXXX. I have requested for the Umpteenth time to be Released as Co-signer from all Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/XXXX ( before my payment due date ) I called in to CitiBank to see if they had any available programs in reference to Coronavirus or COVID19. I was transferred around until I landed on an agent that supposedly could help. I explicitly stated that I could pay my regular bill at the time. I was simply calling in to see if they had any deferment programs so that i could save my cash to use for groceries and such. The agent said she understood and offered to defer my payments and cancel my autopay on both of my accounts. I gladly accepted. 

A few days later I received an email that I had missed a payment. I checked my app and was shown that both of my accounts were labelled as past due, with a late fee attached. I called in immediately to rectify the situation. The first agent I spoke with said that there was no program in place, that they had only received communication of possible programs upcoming, and so the previous representative had spoken in error. I requested a supervisor. Again was told that the initial representative was wrong and there was nothing they could do about it. At this point, I was unworried about the deferred payment but the late fee and the impact on my credit score for having 2 accounts showing a missed payment. I have no missed payments on my credit history. I was told by the supervisor that I shouldn't worry about it, a lot of people are going through things right now and they're sure it will all be handled, just give it time. 

On XX/XX/XXXX, the late fee on my Citi DoubleCash card was refunded. I noted on XX/XX/XXXX that the late fee was still showing on my Citi American Airline AAdvantage card. I called in at XXXX and after explaining the situation to the initial rep, was transferred to a supervisor. He told me that they would not remove the late fee and there was nothing he could do about it. I explained again, in detail, the situation that led to the late fee in the first place : That I had the funds to make the payments but was erroneously advised by a representative of CitiBank that my payments were deferred and so was under the false understanding that I did not have to make the payment. He still refused to remove the late fee. 

At this time I am requesting the removal of the late fee and the assurance that the ( 2 ) missed  payments will not show on my credit report as the late payment was due to professional negligence and false information provided by a Citi representative/employee, with me, as the consumer, relying on their expertise to guide my payment decision.

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 2020-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Wired money to WU-registered recipient in XXXX. Transfer was advertised and promised to be sent in minutes. Transfer was time sensitive as funds were needed for family members urgent medical expenses. Funds were still not received after more than two hours and three visits to XXXX WU office. Sender was advised upon inquiry of the delay that a hold was placed due to people being scammed into sending money to XXXX. Since this was clearly not the case on this transaction, and since sender, recipient, reason for transaction and other elements were all on file from previous transfers, this delay was unexpected and certainly other than as advertised. This created not only an inconvenience, but a hardship and potentially dangerous result because of the reason for the funds for health care for a XXXX year old relative in the face of the Covid 19 pandemic. Before filing this complaint, sender reached out to Western Union to ask just how long they would have withheld funds if not pursued by sender ( funds were finally released after our complaint and challenge ). The WU representative after hearing my question just hung up. I believe the WU advertisement and claim that international money transfers will be sent within minutes is false and misleading. This in addition to unjust enrichment via earning on my money during delay as well as having collected the transfer fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/20 I received a letter from XXXX XXXX  would remove the public record from my file. They provided me with a letter I forward that letter to the XXXX  and Transunion which continue to state that the bankruptcy is verified and refuse to remove it

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 2020-04-02 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: LEXISNEXIS
State: MD

Complaint narrative:
On XX/XX/20 I received a letter from Lexis nexus would remove the public record from my file. They provided me with a letter I forward that letter to the XXXX  and XXXX  which continue to state that the bankruptcy is verified and refuse to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
On XX/XX/2020 Experian credit monitoring services began billing by credit card {$19.00} as a recurring charge. I made multiple attempts to contact Experian regarding this charge. I have made no purchase from Experian. However, Experian clearly puts up barriers to customer contact. No chat or email options are offered and, the phone number provided sends the caller to a robot menu. The robo system allows no option to speak with a human being. Instead, it just eventually ends the call. 
One option provided in the robo menu is " cancel membership ''. Although I never signed up for a membership, I have repeately selected the " cancel '' option. When I do so, the robot tells me that I have no membership. 
I reported the fraud to my credit card issuer ( XXXX XXXX ). My account was frozen and a new card was issued. Then, on XX/XX/2020, the fraudulent charge of {$19.00} appeared on the new credit card account. I have again had to freeze the card, and request a new card number. Clearly, Experian will continue to fraudulently charge this account regardless of how many times I change card numbers. 
This is clearly intentional fraud on the part of 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 2020-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Due to the recent COVID19 impacts I reached out to Shellpoint/NewRez for assistance with my mortgage and was advised I was only able to be given a forbearance plan which would not help in my current situation. I asked for a deferment which would move the payments to the end of the loan and allow me to maintain the payments. I asked to speak to a Supervisor on the call and the agent refused to let me speak to a Supervisor. In our current environment this company has not provided the appropriate options to help consumers during this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: Freedom Mortgage Company
State: TX

Complaint narrative:
I have a loan with Freedom Mortgage ( loan number XXXX ), they reported me as delinquent when it is not. The account was marked as 30 day late for XXXX, XXXX and XXXX. In fact, I paid all, never late.

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 2020-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My charge off account from 2013, has been listed on my credit report multiple times, the company XXXX XXXX, XXXX, XXXX XXXX, is the same company but they report they transferred it only to add a charge off again and lower my score. 
I have disputed this account with the credit bureaus and XXXX XXXX has Responded with it's correct information, which means they lied and I can file a lawsuit I want this off my credit report, they need to be investigated, they did this to my wife also.

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 2020-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Transunion Need to be Remove Bk on my 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 2020-04-02 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$140.00} XXXX   XXXX XXXX {$190.00} XXXX  XXXX {$390.00} XXXX  XXXX {$120.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX/XXXX  XXXX {$220.00} XXXX XXXX  XXXX/ XXXX {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$140.00} XXXX   XXXX XXXX {$190.00} XXXX XXXX {$390.00} XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX {$220.00} XXXX XXXX XXXX/ XXXX {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

DEPTEDXXXX  XXXX {$4500.00} XXXX XXXX XXXX {$0.00} DEPTXXXX XXXX {$1100.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX {$550.00} DEPTXXXX    XXXX {$3500.00} XXXX  XXXX {$9500.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$63.00} XXXX XXXX   XXXX {$300.00} XXXX   XXXX {$440.00} XXXX XXXX {$4500.00} XXXX  XXXX {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Prime Choice Funding Inc.
State: FL

Complaint narrative:
I got a letter in mail from Www.primechoicefunding.com NMLS XXXX advertising that I was preselected for a very attractive mortgage refiningnancing rate. Upon my contact with the company I was assigned a mortgage officer XXXX XXXX to whom I submitted all required info. I mentioned to him that I work with another lender and already locked in at a certain rate and submitted their official loan estimate. XXXX run my credit history without notifying me first and then started making assumptions and giving me go around without giving me loan estimate or rejection even though I submitted all documentation and it satisfied all requirements. I have a full record of our email correspondence upon request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: HI

Complaint narrative:
Equifax want remove fraud from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Transunion need to remove Bk off 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 2020-04-02 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: IN

Complaint narrative:
I am trying to refinance our home. My credit has a freeze on it that I placed myself. I was unable to lift my credit freeze with Equifax. The online message said to call a phone number that no none answered. I tried this several times over the past 2 weeks and each time I was on hold well over an hour. 

I am looking for help getting in touch with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Our closing date was set to XX/XX/2020. Due to reasons described below we closed week later ( XX/XX/2020 ). Lender : BofA. Our credit score at the time of applying and processing up until closing was " Excellent '' so we were hoping for smooth process, not like the process we experienced with the same lender in our 1st mortgage. Even our lending officer assured us that this is going to be quick an easy process since BofA changed internal process to make things easier. 
Due to typos in the closing disclosure and not delivering closing disclosure 3 days prior to closing we ended up signing paperwork in title agent 's office and finding typos all over the documentation. Initial thought was to fix it by hand, initial them and let bank know later to fix this but this was not a doable solution. Typos included wrong SSN and wrong addresses of buyers. Here is a summary of the issues which we experienced during the process : - lack of communication AFTER the deal was sealed from BofA lending officer - delayed closing date which caused side effects on seller 's side - credit report pulled twice ( not within 30 days ) for both buyers ( married couple ) - confusing messages from the bank about credit report not being pulled twice - credit score going down 15 points as a result of 2 hard inquiries - filed dispute with BofA about credit report being pulled twice - no updates about the process - filed complaint within BofA regarding the process - no updates about the process at all - due to delayed closing date our moving had to be rescheduled - quite a lot of people involved in the process - wasted days off which we took from our employers to be able to attend closing day At this point of time I can not reach the manager of our lending officer as internally they do not provide such an information and reaching out to lending officer directly will probably gets us answer in 2 weeks. Even though bank gave us " platinum '' privileges it does not feel like we have any at all.

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 2020-04-02 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 HAVE SENT THE DISPUTE LETTERS ON XX/XX/XXXX, AND XX/XX/XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.

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