vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Someone opened an account online using my name and social security number at Bank of The West the same bank that my employers payroll account is handled by. Through a credit reporting alert I found that this action had occurred and went to the branch to complain and that's when I was informed it was created online. They showed me the person pretending to be me and was the information they provided and their identification number did not match mine and I was able to prove my identity to them and at that point they said they would close and remove this account due to fraud but they still managed to attach the monetary amount to my social security number and credit report. As I told them at the time I believe that an employee of theirs had compromised my employers payroll account but they did not investigate that angle but after returning to work and asking around if this had happened to other co-workers I discovered that I wasn't the only victim. I want this this removed from my credit profile because this is fraud which we were able to determine with my meeting with the bank representative. This fraud was started on : XX/XX/XXXX and the amount in question is {$740.00}. Bank of The West did not follow up with the removal of this as promised which leads me to this complaint, I have had to file a police report and lock my credit profile.

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 2020-06-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2020 XXXX hrs, I received an email from Macy 's credit card services about important information concerning my account. -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On the notice it states inaccurate information of a minimum required payment is {$11.00} when in actuality the minimum required payment is {$10.00}. -- -- -- -- -- -- -- -- -- I called the agency XXXX XXXX expressing concerns that if the minimum payment is only {$10.00} which I have already paid but in the email is states that I owe {$11.00}, I am concerned that this may charge me a late fee of not paying {$0.00} cents and disrupt my credit. -- -- -- -- -- -- -- -- -- -- -- -- - The representative who I spoke to asked me for my email address so she would send me information that should arrive in ten minutes confirming what is actually owed for the minimum require payment. -- -- -- -- -- -- -- -- -- -- -- - I have yet to receive any email.

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 2020-06-17 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: GA

Complaint narrative:
Experian will not help. Their website does not work. Please see attached. Their phone numbers do not work : XXXX ( telXXXX ) Mon - Fri : 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 2020-06-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was reviewing my credit report and noticed the credit bureau is reporting incorrect info, it shows I have 2 late payments accounts which is incorrect. When I try to click to see accounts nothing shows up. I have NEVER been late on any of my accounts.

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 2020-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC is not letting me link my account with the XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
companies reporting inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
companies reporting inaccurate information on 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 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied to American Express Credit card. As two very XXXX seniors ; we seem to be easy target for predators of all kinds, including credit card companies. I was late once with American Express Card for the 1st time. I made the payment less than a week late. I was in a no interest charge promotional until XXXX. However ; American Express has very abusive policies. A consolidation company said I could consolidate and the consolidation company told me not to make payments this month. But I cancelled them becasue they were not efficient and want to be responsible enough to not let my banks down. By this time only 4 payments were late with 4 credit cards! I have a history of making payments on time 100 % of the time. I called AMEX to reverse the interest, being the first time, and was denied. They charged me {$100.00} just for one month! Therefore ; their policy is so abusive that just because we make one payment late they took me out of the no interest option and charges me 100 @ 30 %. I'll also be filling complaints online against them all over. It doesn't matter to them that the ratings online or 1 to 2 stars! CEO Mr. XXXX aexp.com and email XXXX@aexp.com. It's good to know, though, how abusive AMEX is so I won't due business with them! I will send him a copy of this email address. I was in a temporary financial dispute for my senior XXXX son 's benefits and resolved them!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I was unable to link my PNC account to my XXXX account. This is unacceptable in the modern age. I should have freedom to use applications such as these to conveniently process transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Met with my lawyer today he was not able to get answers from shell point mortgage and is very frustrated he received a paper from them that now says I owe even more to them over XXXX so he is filing a court date for fraud charges against them. I also want to sue for damages and violations or I'm hoping you will step in to correct this matter and help me I really don't know how this works can someone email me with any information about what happens now? Against shell point? Thank. I already have a complaint on file with you number XXXX my name XXXX XXXX XXXX is the last name on the mortgage my email is XXXX my phone is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I sent in a payment on my student loan on XX/XX/2020. The loan is due on the 1st of each month, with a 14 day window before it is deemed late. The check should have got there for XX/XX/XXXXpayment. They did not cash my check to make my loan late. I got it down real low. Why they did not cash my check in time for the pay. They have began to take more fees for late payment and attach another rate on to the loan. I have double to triple the payment, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX notified credit bureaus I didn't pay on time, I made my payment on XX/XX/2020, payment wasn't due till XX/XX/2020, credit bureau drop my credit score by 50 points, tried to get it correct but nothing was done, my credit score dropped by 50 points, credit score was around 670 at the time, I want my credit score restored by all three credit bureaus to the correct credit score, before XX/XX/2020.

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 2020-06-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX notified credit bureaus I didn't pay on time, I made my payment on XX/XX/2020, payment wasn't due till XX/XX/2020, credit bureau drop my credit score by 50 points, tried to get it correct but nothing was done, my credit score dropped by 50 points, credit score was around 670 at the time, I want my credit score restored by all three credit bureaus to the correct credit score, before XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX notified credit bureaus I didn't pay on time, I made my payment on XX/XX/2020, payment wasn't due till XX/XX/2020, credit bureau drop my credit score by 50 points, tried to get it correct but nothing was done, my credit score dropped by 50 points, credit score was around 670 at the time, I want my credit score restored by all three credit bureaus to the correct credit score, before XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PAYPAL FORCEFULLY blocked my good credit cards to purchase things securely. 
They didn't explain what exactly is the issue but I believe i as a consumer has a right to buy items using Paypal! There is no security threat to buy legitimate items on XXXX! 
I can not buy even {$10.00} items on XXXX at this time. Causing a great break down on my XXXX XXXX   and stress + time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
After approximately 4-5 calls over the span of 2 months including calls made last year to bank I continue to be thrown around in circles. I have tried on several occasions to settle my closed accounts balance with the bank. Last year I recall placing a call to the bank who stated the account was transferred to a collections agency, after calling the collection agency to settle the balance they stated they had not had the account since XX/XX/XXXXand was told by the bank and collection agency to wait until I was called to settle once the account transitions to a new bank or collector. This year I called back now approximately five times to settle the account again since I was never contacted like they stated I would be and was given the same run around. Only this time I was advised on four separate occasions that the account would be escalated to senior management so that the account can be brought back to the original bank so I can settle my account. It has been over a month and I have called at least once every week to follow up after being told after each conversation that in a week or two the account should have been recovered back to their bank. I have made several attempts to settle this account with no success as Barclays Financing has not assisted nor accepted my payments. I have submitted a credit report dispute and they have now stated they do not agree with my dispute and have placed derogatory marks on 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 2020-06-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports have all incorrect, Fraud, Items- 17 late payments, not correct I have proof XXXX  states I was late in XX/XX/XXXX, when payment was drafted from my account, I was never late on any of my Payments. I also have Status Bankruptcy Status for Ch XXXX, CH XXXX, I have documents to upload to support this. I also have a XXXX XXXX XXXX  XXXX, I have a signed Contract for XX/XX/XXXX, and they have a signed Contract for XX/XX/XXXX, not correct I have been harassed by them, as They failed to send me the Original Contract which includes 2yr Warranty, Gap, They have a Contract that does not have, OCCC investigated, which stated a 2yr Warranty Contract, After the OCCc investigation, I began to get delinquent emails, when I contacted them, they stated due date was Due on the XX/XX/XXXX of every Month instead of XXXX, I had no choice but to Pay on the XX/XX/XXXX, and I only was given 1yr, but charged for 2yr warranty. I was still being reported late even after paying on their terms. I submitted the Police report Fraud to XXXX   XXXX explaining I did not sign and not my signature, got Affidavit from Bank and Police Report and it was still denied. I had asked them to pick up the Vehicle as they never did. I am submitting proof of on time Payments and Legal Support Documents. I have made several Complaints, but have been unsucessful. A Repossesion, late payments, and a Bankruptcy is reading on my reports. I have had Monitoring Services for years, and it has not helped, as I have several unknown Inquires, I also asked for The Credit Bureas to Verify Negative Info with me, Prior to Placing. Just as they ask for proof of Identy to investigate they need to do the same for Third Parties. Please Have XXXX and Experian Fix these Errors. They have Continued to Report Items as Verified, which is Not Correct.

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 2020-06-17 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: LEXISNEXIS
State: TX

Complaint narrative:
My credit reports have all incorrect, Fraud, Items- 17 late payments, not correct I have proof XXXX  states I was late in XX/XX/XXXX, when payment was drafted from my account, I was never late on any of my Payments. I also have Status Bankruptcy Status for Ch XXXX, CH XXXX, I have documents to upload to support this. I also have a XXXX XXXX XXXX Repo, I have a signed Contract for XX/XX/XXXX, and they have a signed Contract for XX/XX/XXXX, not correct I have been harassed by them, as They failed to send me the Original Contract which includes 2yr Warranty, Gap, They have a Contract that does not have, OCCC investigated, which stated a 2yr Warranty Contract, After the OCCc investigation, I began to get delinquent emails, when I contacted them, they stated due date was Due on the XX/XX/XXXX  of every Month instead of XXXX, I had no choice but to Pay on the XX/XX/XXXX, and I only was given 1yr, but charged for 2yr warranty. I was still being reported late even after paying on their terms. I submitted the Police report Fraud to XXXX XXXX  explaining I did not sign and not my signature, got Affidavit from Bank and Police Report and it was still denied. I had asked them to pick up the Vehicle as they never did. I am submitting proof of on time Payments and Legal Support Documents. I have made several Complaints, but have been unsucessful. A Repossesion, late payments, and a Bankruptcy is reading on my reports. I have had Monitoring Services for years, and it has not helped, as I have several unknown Inquires, I also asked for The Credit Bureas to Verify Negative Info with me, Prior to Placing. Just as they ask for proof of Identy to investigate they need to do the same for Third Parties. Please Have XXXX and XXXX  Fix these Errors. They have Continued to Report Items as Verified, which is Not Correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I have a HELOC with Union Bank. I have set up autopay for the minimum payment due to UnionBank. On XX/XX/2020 and XX/XX/2020 I submitted checks to Union Bank, and clearly wrote on the checks and the payment coupon " EXTRA TO PRINCIPAL '' and wrote on the check my account number and the words " EXTRA TO PRINCIPAL '' As has happened in the past Union Bank refuses to apply my payment as extra to principal. 

On XX/XX/2020 they applied my extra to principal payment of {$100.00} as if it were a regular monthly payment and prepaid interest and some principal. And then without my authorization, they reduced the amount of my autopay from {$430.00} to {$330.00}. 

On XX/XX/2020 I sent another {$100.00} check and clearly wrote on the check and the payment coupon " EXTRA TO PRINCIPAL '' and wrote on the check my account number and the words " EXTRA TO PRINCIPAL '' This time Union Bank rejected my payment and sent a letter to me saying they returned the check. When I called customer service they said they did not know what to do with the check so they returned it. 

I had previously called customer serviced and requested they re-apply my {$100.00} payment of XX/XX/XXXX to principal. They have not done so and now when I call it is no longer and option.I asked that the ycorrect the autopay and return it to the amount I authorized, whichis the minimum/ regular monthly payment in the amount of {$430.00}. 
They said they would research the matter and when they called me back they said if I want to pay extra to principal I must wait 3 days after the autopay is posted, but not to wait too long, or the payment will be applied as a regular payment. I found no matter when I mail the extra to principal payment they post it incorrectly and always in their favor. Union Bank gave no solution to reallocate the {$200.00} I mailed in to be applied as extra to principal. They are lenders but do not know how to apply payments, I find that hard to believe. In addition, years ago I tried to pay extra to principal many times and they refused to post it correctly and did the same thing - prepaid interest instead of paying extra to principal. I spent hours on the phone and I finally gave up on making said extra to principal payments. Today, XX/XX/2020 I asked for a supervisor to discuss a resolution and they said my call would not be taken/they don't take calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Good day.. 
Im so mad.. tried to cancel any dispute especially w Midfunding Acct w XXXX. The bill was close to {$1500.00} Please cancel any dispute at this time so the company can update their files.. 

Lastly. Please only have my name as XXXX XXXX XXXX Tele # XXXX I need the creditors stop pulling my credit.. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX  XXXX, XXXX   XXXX, XXXX  XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX . Company Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX  XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX, DPT ED/XXXX

Company response to consumer: Closed with explanation