vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I received a phone call from MUFG Union Bank N.A. on XX/XX/2019 for my XXXX mortgage payment. I told the agent - and sent them proof - that I sent a Priority letter with the cashiers check from XXXX on XX/XX/2019 and it arrived at their XXXX XXXX facility on XX/XX/2019. 

I called XXXX XXXX  to see if the cashiers check was cashed, and it was not. I have included the proof of delivery for the Priority mail, and the cashiers check stub. 

On XX/XX/2019, I called MUFG Union Bank, and they said that mortgage was paid, but the other day I received a letter saying it was not. 

This company is 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 non-monetary relief
Consumer complaint received 2019-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I provided documentation, and spoke with supervisor. I was informed by Pro Collect it would take 30 days to remove from my credit profile. Additionally, after repeated efforts with XXXX they too were not will to help.

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 2019-11-24 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 was at a car dealership today XX/XX/2019 and when they ran my credit to see if I qualified for the loan I was told that I didnt because there were some accounts in negative standing on my credit. None of those negative accounts belong to me. I have reason to believe that these accounts were opened by either my dad or uncle since they both have the same name as me. I never allowed anyone to open these accounts using my personal information and I have already filed a police report. I did not benefit anything from these accounts that were opened in my name nor did I make any payments or purchases with any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I have a medical debt reporting on my credit that does not belong to me. It has been reporting on my credit for some time. I have never had services done with the medical facility mentioned on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX I have some issues with inaccurate date showing that doesn't belong on my report. My correct spelling and name is XXXX XXXX XXXX please remove any other version of my Legal name. It is causing issue with another XXXX in my city. Please delete the following address XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYMENT IS I AM THE OWNER OF XXXX XXXX XXXX. 
There is a XXXX XXXX this account was never verified please delete, XXXX XXXX XXXX  LATE PAYMENT THIS IS A ERROR PLEASE DELETE. XXXX XXXX  account that should be deleted that account was never late and had been settled already error please delete.

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 2019-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In XX/XX/2019 my sears and XXXX credit card statements were being sent to another address. I did not move and i do not know how this happened. I am worried i may be a victim of fraud or identity theft. I would like to know HOW this information was changed

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 2019-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I received a call from MUFG Union Bank, N.A. on XX/XX/XXXX/2019, and they stated that I did not make payment to my previous mortgage company, XXXX for XX/XX/2019. 

For one, why is another mortgage company trying to collect for another? If my problem is with XXXX, then they alone should call me. And why is this problem 2 months old? 

There is no problem, and MUFG Union Bank is unfairly harassing their customers due to their incompetence. This has happened with another complaint I have filed with the CFPB and occurred with another mortgage payment that I provided proof. 

I have included a snapshot of payment made 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 non-monetary relief
Consumer complaint received 2019-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Applied for a XXXX credit card. I wanted the standard card but was given the plus card instead so I never activated the card as I had no intention of using it as it has a high annual fee. Now I am being charged late fees and the annual fee on statements sent to me for a card I have never activated or used. 

I have contacted the company via the website and submitted a complaint and they said a manager would reach out to me but no one has. I want the account closed and the fees + " late payment '' fees to be reimbursed.

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 2019-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On or around XX/XX/2019 I was approached at the XXXX XXXX by a XXXX/American Express representative who was offering a promotion for increased miles. I told the agent that I already had a XXXX XXXX card and was not interested in getting a new card. They advised that was not a problem. They took my card information and had me sign a document and then said that I was eligible for a promotion through the XXXX/American Express Platinum Card. When I reiterated that I did not want to upgrade my card they informed me that it was just checking to see if I would be eligible for the offer and that I could choose to sign up or not for the Platinum card once I received information in the mail. Instead, I received a new Platinum Card in the mail. I contacted American Express on XX/XX/2019 and spoke to multiple agents, supervisors, and individuals in the customer retention department. Despite my conversations and even requests to speak with someone in the fraud department ( as I felt I had been defrauded ). I was told I had two options. I could keep the platinum card ( which has an annual fee that is {$100.00} more than the one I currently have ) or I could downgrade to the card I initially had ; however, doing so could put me at risk of being ineligible for future upgrade promotions. The could not just make me whole again and remove future ineligibilities. They claimed that nothing could be done, despite me being signed up against my will or knowledge. 

I would like to be in the position where I determine if and when I sign up to upgrade or change my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I accurately completed all information on XXXX, and requested a report through equifax. Equifax refused to furnish my credit report thereafter, in violation of my rights to access my report for free.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
PORTFOLIO XXXX Late Payment This is an incomplete report because all of the important information are missing, like the date of last payment, past due, credit limit, terms and monthly payment. Also since this is in collection as they claim, there shouldn't be a balance. Please delete this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of Identity Theft, I filed all the reports according to CFPB, Department of Consumer Affairs, the IRS and Police Departments. I sent the information to the Bureaus along with my ID, Credit and Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they be removed immediately. I was impacted by the cyber breach and XXXX XXXX advised me some one was attempting to open an account & at XXXX they went into my checking acct. The Bureau has refused to delete information. I contacted the creditors and was advised, the Bureau is reporting the information NOT THEM, My job has become trying to block the thieves and fight the bureau to correct and update my information. To an end that now include my retaining an attorney. My occupation will not permit me to Freeze my account as Government and Private sectors must have access at any time. The Bureau has failed to safe guard my information and ignored all request.

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 2019-11-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On my Lowes credit card, I was inaccurately charged {$110.00} and {$78.00} interest on purchases that were returned and/or never delivered in XXXX and XXXX 2019. XXXX, an on-line supervisor, indicated on XXXX19 that the credits would be posted to my account within 1-2 billing cycles or within 60 days. The credits have not been issued.

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 2019-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX I have some issues with inaccurate date showing that doesn't belong on my report. My correct spelling and name is XXXX XXXX XXXX please remove any other version of my Legal name. It is causing issue with another XXXX in my city. Please delete the following address XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYMENT IS I AM THE OWNER OF XXXX XXXX XXXX. 
There is a XXXX XXXX this account was never verified please delete, XXXX XXXX XXXX   LATE PAYMENT THIS IS A ERROR PLEASE DELETE. XXXX XXXX  account that should be deleted that account was never late and had been settled already error please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX I have some issues with inaccurate date showing that doesn't belong on my report. My correct spelling and name is XXXX XXXX XXXX please remove any other version of my Legal name. It is causing issue with another XXXX in my city. Please delete the following address XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYMENT IS I AM THE OWNER OF XXXX XXXX XXXX. 
There is a XXXX XXXX this account was never verified please delete, XXXX XXXX XXXX LATE PAYMENT THIS IS A ERROR PLEASE DELETE. XXXX XXXX  account that should be deleted that account was never late and had been settled already error please delete.

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 2019-11-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NH

Complaint narrative:
I have graduated from college and am ready to repay my federal and private loans. I work for a XXXX XXXX full-time and a XXXX XXXX part-time and my annual salary totals approximately {$34000.00}. The lender for the federal loans ( XXXX ) has agreed to an income-based payment plan, which I am comfortable paying. When I contacted Sallie Mae, they informed me that they don't have this option. I was told that the only option they offer is a one year plan where I pay the interest-only on the loans. The savings per month was negligible and only puts off the inevitable. Furthermore, the loan rates are variable and my payments are {$730.00} -- an amount I can't afford and will increase as the interest rate fluctuates causing my payments to increase month-to-month. My rent is {$850.00} per month without utilities. In order to pay this amount each month to Sallie Mae, I will have to go bankrupt on my current credit card debt, as it is impossible to pay everyone. My loans with Sallie Mae have been accumulating interest while I've been in school and have now topped {$80000.00}, two of which have interest rates over 9 %. Please understand, I'm not making a complaint so that I can default on my loans, I simply want a payment plan that is based on my ability to pay - something banks require in order to lend you money in the first place. This complaint is being made because no lender should have a right to force me into poverty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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 to rent an apartment today XX/XX/19 and sadly I did not get approved because there are several accounts reflecting badly on my credit report. I looked over the accounts and realized that none of them belong to me. I did not open any of those accounts nor have I ever allowed anyone to open them in my name. I'm not sure who these accounts belong to but I personally do not have any written/verbal contract with any of those companies and I never took part in any payments or purchases regarding those accounts. I also never gained anything such as money, goods or any other benefit from these accounts. I have already filed a police report in hopes of getting this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I was charged 9 times fees for balance inquiry, 8 times in one day and then next day. I didn't inquire balance when I am doing withdrawal. 
Bank of America closed all ATM in my town and I have to pay {$8.00} for each transaction because I don't have any other options. 
This is not the first time bank of America charging me inquire fees when I didn't do any inheres In XXXX I paid {$12.00} in those fees and in XXXX I paid {$22.00} totaling {$35.00}. This is not including other fees that I paid to withdrew the funds.

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 2019-11-24 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 to rent an apartment today XX/XX/19 and sadly I did not get approved because there are several accounts reflecting badly on my credit report. I looked over the accounts and realized that none of them belong to me. I did not open any of those accounts nor have I ever allowed anyone to open them in my name. I'm not sure who these accounts belong to but I personally do not have any written/verbal contract with any of those companies and I never took part in any payments or purchases regarding those accounts. I also never gained anything such as money, goods or any other benefit from these accounts. I have already filed a police report in hopes of getting this cleared up.

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 2019-11-24 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 to rent an apartment today XX/XX/19 and sadly I did not get approved because there are several accounts reflecting badly on my credit report. I looked over the accounts and realized that none of them belong to me. I did not open any of those accounts nor have I ever allowed anyone to open them in my name. I'm not sure who these accounts belong to but I personally do not have any written/verbal contract with any of those companies and I never took part in any payments or purchases regarding those accounts. I also never gained anything such as money, goods or any other benefit from these accounts. I have already filed a police report in hopes of getting this cleared up.

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 2019-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My issue is with the TransUnion Credit Reporting Agency.

I am able to have a XXXX  glance of my credit file ( FOR FREE ) any time whenever and however many times I want ... keyword   being cursory with XXXX and XXXX  as long as I can remember. However, TransUnion requires we give out our detailed confidential information to one of their outsourced customer service reps and THEN ( if they understand you correctly ), they'll search for the item in question ... again ... assuming they understood who or what you're talking about. 

Not only is this superfluous, but a COMPLETE waste of time!! I could have seen whatever there was ( cursory-wise ) and filed a dispute if I needed to..like both XXXX  and XXXX  allow. Transunion does not allow a consumer to view their file to verify information filed on their credit report ; to have this 'option ' as one of their customer service reps stated, I would either have to BUY one of two monthly memberships, one for XXXX or $ XXXX {$29.00} ( something to that effect. ) I should be able to see if there is a discrepancy in my credit file without having to ask some complete STRANGER to tell me if they see something or to have to buy a membership to view items filed on my credit report ... this is ridiculous!! 

Not only is there too much margin here for error, but you could also be the lucky recipient of someone with an attitude ... or better yet, the consumer has gotten an attitude after being transferred multiple times or is in automation XXXX going from one department to the next trying to get information on their file.

Also, while I am at it ... I have multiple student loans all being handled via XXXX reflecting as multiple accounts on my file. Is that effing necessary to have it reflect as so?!? Why can't it be reported as 1 combined student loan for Unsub loans and 1 combined loan for Sub loans? I am about to go into my XXXX  program and I will be using even more loans in the process, and as such, even more accounts reflecting in my credit file ; I feel the number of accounts impacts my FICO score negatively. I feel as though the system is rigged to keep people from qualifying for a decent home unless they're earning 6-figures.

All I am trying to do is find a decent and SAFE home to live where I can move my mother ( who lives alone in XXXX XXXX Texas ) in with 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