vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
Pennsylvania sends it's PUA benefits to US Bank Reliacard. There is no option for a paper check or direct deposit. 
On XX/XX/20 I logged into my US Bank Reliacard account and put in a transfer to my checking account which I have done numerous times. This transfer would normally arrive in my checking account the next day. After a week the money was still not in my checking account. I called them on XX/XX/20 to find out why the money was still not in my account. They told me it could take up to 5 days to complete the transfer. 
On XX/XX/20 the amount of the transfer was credited back to my Reliacard. I attempted to call them numerous times and was disconnected by their automated system due to " heavy call volume ''. 
I finally reached a representative on XX/XX/20 who told me my account had been flagged for fraudulent activity. I asked him what that activity was and was told he didn't know. I was told to FAX a copy of my driver 's license and account number to them and my account would be reinstated. I did this on XX/XX/20. I was told my account would be reinstated within 48 hours. 
As of XX/XX/20 my account is still inactive and I am unable to access the money in the account. I have tried to call them and am getting disconnected due to " heavy call volume ''. 
This company is appropriating funds from people and giving them no access to the money and no way to contact them. In short they are stealing.

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 2020-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
I unknowingly, and mistakenly got charged {$780.00} from the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX.I found out when a woman from XXXX XXXX XXXX called & told me.I told her I was in that XXXX & gave XXXX  to a XXXX  I regrettably gave up for XXXX.The bill was for the babies care, I was already discharged, so the adoptive parents were responsible for the bill, and if they couldnt get in contact with them, the baby had XXXX when she was born because I qualified for it due to XXXX.I gave her 2 different parties responsible for that bill, and I wasnt 1 of them. I  thought it was over, I provided her with enough information to take me out of the process.She ended up calling harassing me every single day, then I started getting calls from a man.He threatened me & said The XXXX XXXX County Sheriffs were on their way to my house to arrest me for some kind of legal judgment signed by a judge, Something to that effect, if not exact words. When that didnt pan out, a week later I got another call from him, yelling, and swearing at me.Here I am,5yrs later, still dealing with them.The same exact {$780.00} bill was put on my credit report, with the same exact account number blatantly listed right on it 7 different times.Ive been fighting this for 2yrs. since the day I noticed it, and was just defeated by them again! I disputed it on XXXX  and their fix was to take 3 duplicates off & make 1 a lower amount of {$400.00}, and left 3 there.I just read the paragraph below this.You can publish this, but I dont know if anybody can learn anything from this, except to keep monitoring your credit report because God only knows how long these 7 charges that arent even mine were there.I just started learning about how to start fixing it. People are very nasty, and they will try and get away with whatever you allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE FARM BANK, FSB
State: NC

Complaint narrative:
I have a camper loan with state farm bank. Since I took out the loan I have been paying extra. Until recently there was no option to indicate principle payments. The app still doesn't have the option to designate principle payments. Each month I have made a payment including an extra amount for principle. On the anniversary of the loan they recompute the loan. When they do this some of the principle payments are removed and the extra payments are directed toward future interest. Last month I owed around XXXX. I paid XXXX and now owe XXXX on the loan. State Farm bank doesn't allow you to question any transactions older than 3 months even though they just recomputed the loan removing the principle payments. They said I have paid future interest through next XXXX. I was under the understanding when I took out the loan it was a simple interest loan. I always ask because I usually make extra payments. to shorten the term. 

I need a complete audit of the loan to find out where the missing payments went and how they can justify removing my principle payments when my account showed them posting correctly the prior month. There is no recourse since SFB refuses to look at payments older than 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: OH

Complaint narrative:
This is not my account : XXXX XXXX  # XXXX Please provide binding agreement, and method of verification for this account. This account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: OH

Complaint narrative:
This is my account and not why it's on my credit profile as I have never had account with this financial institution : XXXX  XXXX XXXX  # XXXX Please the support of this account with method of verification some type of binding agreement. 

This is not my account for sure.

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 2020-09-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I did not authorize this credit pull

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 2020-09-22 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: OH

Complaint narrative:
This is my account and not why it's on my credit profile as I have never had account with this financial institution : XXXX  XXXX XXXX  # XXXX Please the support of this account with method of verification some type of binding agreement. 

This is not my account for sure.

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 2020-09-22 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: OneMain Finance Corporation
State: AL

Complaint narrative:
I did not authorize this credit pull

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have call Equifax at least 10 times regarding the collections on my credit report all three collections listed are wrong and should be taken off my report. Each time I am speaking to someone overseas who can barely speak English. They ask you questions that you can not understand then they advise they can not verify your identity. I had one rep state he was writing my social down. Which is definitely not safe and now I am told I need to fax in personal information to verify who i am. So I take the chance to verify who I am. I have faxed information into Equifax 18 times each time receiving a confirmation. Yet I am still told my information can not be found. I am also being sent emails by their member.benefits.com center saying they have sent my information to another email address which i do not have another email address. But they are charging my credit card the monthly fee for a membership that states status failed on the original email they sent me which includes a note saying they were sending my information somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Bank On XX/XX/XXXX they asked for disputes outstanding to be stated again On XX/XX/XXXX I sent letter with contents requested CC # xxx XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XX/XX/XXXX interest XXXX XXXX interest XXXX Total {$380.00} Capital One is a bank and required to give chargebacks FOR SERVICE NOT RENDERED It has been 5+ months since the flights were cancelled and I wrote several letters It is XX/XX/2021 and I have not received chargebacks nor Capital One feedback

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CT XXXX XX/XX/2020 Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern, Regarding our mortgage ( loan number XXXX ), your most recent mailing informs us that our payment suspension will end at the end of this month. This is in error as I have used your online form to extend the forbearance period another 3 months. Further, we have submitted your Authorization To Release Information Form nominating our attorney, XXXX XXXX XXXX, but we have received no acknowledgement of our submission. In addition, your latest communication mentions the Payment Assistance Action Request Form and that it can be accessed by clicking on the " Reply Now '' button on the mortgage account summary page. No such button appears on my summary page. 

We are ready to begin mortgage payments again, however, we require that the forbearance amount be added to the back end of the mortgage. XXXX XXXX calls it the following - " Starting XX/XX/2020, offering a payment deferral solution in which your deferred payments will be due at the end of the loan ''. It appears on their website - XXXX XXXX XXXX 

We also ask that use XXXX XXXX 's checking account for the automatic withdrawals for the mortgage payment instead of the account on record. The routing number for XXXX XXXX Bank is XXXX and the account number is XXXX. Withdrawals should be every 2 weeks as before. 

Please respond immediately and let us know that you have recorded our requests. 

Sincerely, XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX, Consumer Financial Protection Bureau

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 2020-09-22 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: MI

Complaint narrative:
This not a duplicate this a letter Demanding the CRA Experian, XXXX  and XXXX  that are violating the FCRA and Identity Theft identity law. 
The CRA are in-violation of Fair Credit Reporting Act 623 ( a ) ( 5 ) ( A ) Delinquency Date. CRA why are not reporting any delinquent date from your client XXXX XXXX XXXX XXXX and no delinquency history. CRA s your XXXX account also does not state the status of the XXXX account Paid in good status, opening date of the XXXX account and delinquent date 90,120 days. The account just state Debit Buyer collection {$270.00}. 
Identity Theft violation Experian, XXXX, XXXX  you allowed XXXX XXXX XXXX XXXX to create a hole new account in my Identity Type called Debt Buyer XXXX. The debt buyer account does not state whom XXXX XXXX XXXX XXXX. bought the debt from why? 
I am sending a letter from XXXX Bank stating they do not have a trade line to the debt and are not collecting the debt. Also XXXX bank state they sold the consumer account to XXXX XXXX and for further information call XXXX XXXX. But on my credit report their are two accounts with a debit of {$270.00}. ( 1 ) XXXX XXXX for {$270.00} with an opening date of the credit card and delinquent date and payment history with no mention that XXXX XXXX sold the account. The ( 2 ) account XXXX {$270.00} Debt Buyer with no connection to XXXX XXXX. No Delinquent History. 
This is just a Scam between Experian, XXXX, XXXX and XXXX XXXX XXXX XXXX to threaten consumers to pay money for their profit. 
I am not going pay XXXX XXXX XXXX XXXX were all are going to court.

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 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
RoundPoint Mortgage added force placed Flood Insurance Coverage that was backdated nearly 18 months, leaving a premium due of nearly {$4000.00}. After 7 months, this issue was resolved with RoundPoint reimbursing the Flood Policy Premiums, however I still wanted the NCCOB to be aware of this issue. According to documents, RoundPoint was notified by XXXX in 2018 of a change to our Flood Zone. The County Flood Plain Manager says that there was no change and we have documents to prove that. However, we did move forward with a LOMA application to formally have the home removed from the Flood Zone. After that, RoundPoint removed all of the force placed coverage and premiums. However, I have spent 7 months and over a thousand dollars fighting this issue. RoundPoint is well within their rights to force place flood coverage when appropriate, however the federal law indicates that force placed coverage must be within a 'reasonable time '. I don't find 18 months to be 'reasonable '.

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 2020-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
XX/XX/2020, I filed complaint number XXXX regarding inaccurate credit bureau reporting and erroneous crediting of payments. XX/XX/2020, I received a response from XXXX XXXX XXXX, Director of Customer Service Freedom Mortgage. In response, Mr. XXXX declared the following. " This will report your account as current for these months when we next report to the credit bureaus, which is currently scheduled for XX/XX/2020. '' On XX/XX/2020, I received a notification from XXXX  my credit score had increased 100 points due to Freedom Mortgage rectifying their erroneousness. 
On XX/XX/2020, I received a notification from XXXX  my credit score had decreased by 101 points due to Freedom Mortgage re-reporting the same errors they had just rectified. 
At this time, XX/XX/2020, XXXX  is reflective of Freedom Mortgage, rectifying their errors. However, I am sure if Freedom Mortgage follows past practices, the score will drop any day. 
At this time, XX/XX/2020, XXXX  still reflects 3 30 day late payment reports.

I have been dealing with Freedom Mortgage for almost ten months regarding their incompetencies, empty promises, and spin.

I am trying to refinance my loan with my credit union. However, I am unable to due to Freedom Mortgage incompetencies. The irony is I am receiving unsolicited offers from Freedom Mortgage to refinance. 
I am notifying the Utah State Attorney Generals office of Freedom Mortgages ' incompetence and disregard for reporting accurate, factual information to the Fair Credit Reporting Act or F.C.R.A. 
If this requires an alternate venue for Freedom Mortgage to correct the failure, I am more than agreeable to pursue that possibility.

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 2020-09-22 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: LA

Complaint narrative:
Since XXXX of 2020 I've been consistently disputing fraud related accounts, phone numbers, addresses, and inquiries with Experian consumer reporting agency. Since my initial dispute I have received either no or very vague responses from Experian. Several fraud related address, accounts, and inquiries still remain on my credit file despite my letters, identity theft report, and supporting documentation. It is Experian 's responsibility to report 100 % accurate information pertaining to my credit report but yet they continue to fail to do so. Experian has failed to block the fraud related accounts upon being notified within 4 days from a consumer who's been a victim of identity theft under section 605b. Experian has refused to update and remove inaccurate fraud related addresses on my credit file as well as inquiries that were never initiated by me. It has been well beyond 90 days and yet this issue is still ongoing without any legitimate explanation. My personal information was compromised and I have been a true victim of identity theft. I have been denied credit and several loans due to this unfortunate situation and inaccurate credit reporting on Experian behalf. Accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX are all accounts opened as a result of identity theft and should have never been reporting on my credit file. Experian claiming the accounts have been verified as accurate is not feasible for an identity theft victim who's personal information such as name, address, and social security number has been compromised. Any thief who has obtained someone's personal information would be able to impersonate another individual as myself.

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 2020-09-22 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: KY

Complaint narrative:
I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX TransUnion is reporting late payments XX/XX/XXXX through XX/XX/XXXX, XXXX  is reporting no late payments and XXXX  is reporting late payments XX/XX/XXXX through XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX  considered to be furnishers? These accounts were not paid late and TransUnion, XXXX  and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2020-09-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I had a 2nd mortgage with XXXX  XXXX XXXX until XX/XX/2019, they sold it to specialized loan serving in XX/XX/2019, my payments are due on the XXXX, XXXX  XXXX XXXX ceased accepting payments on XX/XX/XXXX, for the entire month of XX/XX/2019 i made numerous attempts to get my new info from SLS to no avail ... in XXXX of 2019 i received a letter dated XX/XX/XXXX with my info i set up my bill pay and attempted to make payments ... they returned them until i was forced to pay with an ATM card at the end of XXXX, they billed me a {$15.00} property inspection fee XX/XX/2019 i am disputing that as i made all attempts to pay and they were unable to provide and also returned payments. 
is this their mode of operation to take over accounts, hold off billing info then charge consumers fees??? 
i have been disputing this with them for months this company needs to be investigated as i am sure they are doing this to hundreds of customers

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 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
The debt was sold after banks was filed with original owner. Reported to the credit agency as new dates and open account and new account. How can it be done after the law says its discharged. Second it hurt my credit score after trying to resablish 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