vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I had a XXXX XXXX XXXX XXXX account which the bank closed in 2016. It is now reporting out on my credit reports, which I am attempting to clear off negative items. I called XXXX XXXX XXXX XXXX in an attempt to secure a " Pay for Deletion letter '' and pay off the outstanding balance. XXXX XXXX XXXX XXXX referred me to their collection firm : The Best Service Company. I called the Best Service Company to make the same request and offer and was told they can not have items removed from my credit report - I know this to not be true. In addition, the collection agency is saying I owe $ XXXX when the amount reporting on my credit report [ {$310.00} ] - although I do not agree with either amount, I am willing to pay off the account, contingent upon it being removed from my credit report with all XXXX credit bureaus.

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 2022-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX & XX/XX/XXXX ( XXXX Only ) 60 days late as of XX/XX/XXXX ( XXXX Only ) 90 days late as of XX/XX/XXXX ( XXXX Only ) These are on XXXX only, XXXX and XXXX are not reporting late payments. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My identity was found on the dark web by someone who lives at XXXX XXXX XXXX XXXX, XXXX, PA XXXX, phone number XXXX. All of my information including ss #, address, phone number, birth date, etc. 

I was just served paperwork from local magistrate from XXXX XXXX, XXXX, and that I owe over {$1000.00}. I don't have any accounts with this company. 

PLEASE HELP!!!!! I have reported this with the FTC, in XXXX {$2000.00} was taken from my checking account through XXXX XXXX XXXX and Experian is reporting debt I do not owe, and when challenged, they added smut to my report, refusing to acknowledge the report to FTC.

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 2022-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: U.S. BANCORP
State: NH

Complaint narrative:
On XX/XX/XXXX my lease was totaled. I contacted USBank and requested a buyout amount on XX/XX/XXXX. I wanted to exercise my buyout option. The bank provided me with a buyout of {$35000.00}. I was contacted by my insurance company who determined value they were paying off was {$47000.00}. I then received a letter from USBank on XX/XX/XXXX that they were keeping the surplus amount and that a buyout option is not available to me. 

I spoke with a supervisor today who stated that on XX/XX/XXXX USBank changed their policy and will no longer return surplus amounts. I have a sibling who signed the same contract I signed for a different lease with USBank in XXXX of XXXX and he was refunded the surplus insurance payoff. 

How can USBank not allow me to exercise my buyout option when I initiated it prior to the vehicle being totaled? How can they keep a surplus of approximately {$12000.00} and profit from the insurance I am obligated to have?

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 2022-02-23 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: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX 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 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I was notified by XXXX XXXX on XX/XX/2022 that a credit report identified that someone opened a credit card using my social security number birth date with Genesis FS Services. 
In a conference call with XXXX and a representative from Genesis Fraud department, the Genesis representative confirmed a credit card was opened in my name on XX/XX/2022. The Genesis representative stated that I needed to file a report with the FTC to gain an affidavit noting the fraudulent activity and send the report to the Genesis Fraud department. According to the rep, the account had not been used yet so there is no balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: NV

Complaint narrative:
This is a tax issue. 

I refinanced my home with Axos Bank in XXXX. They never gave me a XXXX tax document, but I was able to use the refinance paperwork to complete my taxes. Again, I have not received a tax document, now for the tax year XXXX. 

Online where the documents section is located, it says that I will not have a tax document and that only people who pay more than {$10.00} in interest receive one. I have paid much more than that and should receive one. 

I tried their virtual help and was told that the documents were mailed XX/XX/XXXX ( over 3 weeks ago ) and that if I receive e-statements that the document would be in my document section. I am unable to sign up for e-statements, because there is no sign up option online.

My paper statements are going to the wrong address, and I have tried to change the mailing address and still am not receiving mail at the correct address. Perhaps a tax document went there as well? Maybe that happened last year too? 

I called the XXXX number and spoke with a call center rep. She was unable to help me. She said she is unable to email me the tax doc ; she's unable to upload it into my Axos statement section, and she needs {$10.00} to mail me a tax doc. 

I refused to pay {$10.00} for a document that should be legally mine ( and for free ). At that point she was unable to help after I refused to pay money. I asked for a manager and was told that one is unavailable. She said she'd put in a request with her manager. 

I asked how long I should wait to follow up because I didn't feel confident that the issue would be resolved, especially since no resolution had been agreed upon once I denied payment. She didn't understand my question and said she would have a manager call me back. 

I chose to report this to the CFPB, because I have had ongoing issues since I started the refinance process with this bank, and they seem to continue. I can't get my statements online. They keep mailing to the wrong address. And now two years in a row I haven't received a tax document. 

How do I file my taxes?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
I called Roundpoint mortgage on XX/XX/2022 to update my excess payments to be applied to principal balance. I was showing as next payment not due until XX/XX/2022. They assured me action would be taken and excess amounts would be applied. They said they would email me within a few days. I did not hear anything. I called again on XX/XX/XXXX to follow up. The case had been closed because it was not properly assigned. Reopened issue. The policy on back of the statement states " Excess payments, also known as partial payments, made will first be applied to overdue payments, then to late charges and other amounts owed under terms of your loan, then to amounts specified in your payment instructions, then up to one future payment, and finally to reduce your principal balance. My current statement shows next payment not due until XX/XX/XXXX. I called Roundpoint again today. Issue is still not resolved. I explained that I want all excess payments to go towards principal. Next due date, will be paid on XX/XX/XXXX. I do not understand why they are not following their own policy.

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 2022-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: AL

Complaint narrative:
I had an issue with this company on my first payment. I was thinking my first payment was due in XX/XX/2022. This company tried to get payment from my checking account 3 times which cause me to have overdraft fees times 3, making my account negative. I called the company and tried to explain this, but it didn't matter, they continue trying to take it the last 2 times. So, when I made my first payment it was in XXXX of 2022. I was unable to make a payment in XXXX due to the overdraft fees caused by this company due to the overdraft fees for the Month of XXXX. I get paid monthly and on a fixed income. 

On XX/XX/XXXX, I went onto my Upgrade account online to set up a payment for my monthly payment. This company took and extra payment of XXXX dollars out of my account in addition to my standard monthly payment. I did not authorize XXXX dollars payment and called the company to see why they trying to take additional funds. I was told that I authorized this, and I did not. so, I asked for proof, and they did not send me proof. I had to do a stop payment on the XXXX dollars and stop this company for using my bank account for payments. During this time, I saw they also posted that my regular monthly payment was posted. I was told they did not receive this payment due to my bank doing a stop payment. I called Upgrade and talked to several customer services, trying to pay this company via of debt card. I was told they did not received payment via of debt card, which isn't true. I saw this option offered to me before I talked to a customer care and when I tried to go back into my account to pay via debt card it was removed. I open my account on a different device and saw this option. I sent a screenshot of this to Upgrade to show them they do offer this type of payment. Upgrade is giving me a hard time and I don't understand why. I also know you charges late fees, and I don't think I should be charged any late fees due to this issue. 

The problem I'm having with this company, I was told that my account would be 30 days late of XXXX the XXXX and they could not take my payment via of debt card. So, I sent my payment via of USPS via XXXX mail on XXXX the XXXX, 2022. So, I could make my payment on time. This company has not posted this payment to my statement, they have me posted as 5 days late. I called this company, and I was told that when they received payments via of mail it takes up to 5 days to post to my account. My problem is why did this company stopped me from paying my bill via of my debt card? Why tell me you don't take debt card payments and you do. I sent screenshots to this company showing them they do offer this way of payment and why wasn't I allowed to pay them this way

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23 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: TX

Complaint narrative:
XX/XX/2021 {$640.00} loan from XXXX XXXX  via a purchase of electronic equipment at XXXX. I did not approve the loan, I did not sign a document. I did not receive a validation code or a text, I did not receive an email. I reached out to XXXX XXXX and they claim they sent the documentation to an email address I have not used in over 25 years. They claimed I did receive a text but declined receiving. It is absurd. 

My son did purchase equipment from XXXX  on that date, while XXXX years old I gave him permission to use our XXXX card to buy an XXXX. Once learning that XXXX and XXXX used XXXX practice of solicited loans without documentation and utilizing old information with out the credit holders approval, I called XXXX. I did payoff the loan to stop the negative reporting. I asked XXXX for an explanation and after several phone calls and letters/Email, they claim they did nothing wrong, that I did take out the loan by proxy, and even suggested that I should file a police report on my son. WOW.. .until then I did not realize how morally corrupt the bank practices were. Again, I did not approve a loan, I did receive a validation code, Never signed a document, nor received any paperwork, nor any mail for 4 months. 

My credit has 120 day late report from XXXX. I want it removed. XXXX bank is guilty of predatory loan practices. XXXX and XXXX took an opportunity to defraud the consumer utilizing a loan vehicle to sell more product. 

I have not had a late payment in over 20 years on any credit report and maintain excellent credit. The XXXX XXXX predatory practice is wrong and must be called out. I demand the late payment notification be removed from my credit report with Transunion and 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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent the FTC report that Equifax required to remove the unauthorized inquiries on my credit report. I sent two times and they are claiming that they didn't receive any of them. That is why I decided to go through this agency, so this complaint will be directly sent by your department 's credit bureau ( Equifax ). The inquiries that I want to be remove from my credit report is : XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I decided to apply for my first credit card as I am approaching the end of my college career, and I wanted to start building credit. I used XXXX XXXX to see which credit card was best for me and their top recommendation was the Discover It - Cash Back card. I applied on XX/XX/22 and was sent the confirmation email from Discover ( 1st attachment ) that I was approved and getting a card. I then signed the XXXX form they asked me to and received a confirmation that i had successfully completed that as well ( 2nd attachment ). Six days later, I received the card in the mail and immediately activated it. I received the email that claimed the process was a success and that I could immediately use the card ( 3rd attachment ). However, when I tried to use it, I was being denied. I called Discover right away and asked what the problem was, and the representative said they hadnt finished verification. I never got an email about this apparent two week period where I have my card, it is activated, but I cant use it. The next day ( XX/XX/22 ) I called again and received the same answer but with attitude. I was told I did receive an email on XX/XX/22 detailing this when, in reality, it was only the email confirming I was approved and getting my card. So, I waited until early this morning ( XX/XX/22 ), I received an email saying theyve closed my account because they couldnt verify my identity ( 4th attachment ). I called to verify only to be told what was in the email and that I couldnt reopen I am confused and frustrated. I just want to build my credit with light purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: NY

Complaint narrative:
I am a victim of identity theft. The information is listed on my FTC Identity Theft Report, my written notice, circled in RED on my E

quifax consumer report and this complaint does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. Please see all my attachments. Things such as addresses, inquires, incorrect SSN attributes to my finds. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promp tly notify the furnisher ( s ) of that information
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: Self Financial Inc.
State: TX

Complaint narrative:
On or about XX/XX/2022 i received notice from XXXX XXXX that there was a {$520.00} balance from XXXX XXXX XXXXSELFLENDR. I googled and found it was from a company called Self. WWW.SELF.INC. I have never applied for anything from that company. I attempted to call the company but since I didn't have an account they would not accept my call. There is no option to speak to an operator. I have tried responding to e-mails they have sent to me but their e-mail system does not allow you to reply I did not apply for this and I want them to remove this charge from my credit report. It is fraud and someone must have obtained my information OnXXXX or about XX/XX/2022 I have XXXX file a fraud report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: DE

Complaint narrative:
Because I am a XXXX XXXX survivor and the underwriter could not find what he was looking for, he decided to harass me to divulge information that violated my rights under " The Address Confidentiality Program. ' I feel I was also mistreated because of my age.

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 2022-02-23 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: Synovus Bank
State: NJ

Complaint narrative:
I am having a serious issue with a credit company falsely reporting me as late for month 's of XXXX, XXXX, and XXXX. 
The card, mentioned above, was closed in XXXX. I made a large payment in, early, XXXX to settle the amount left on the account. My account was closed and payed off. Someone from the company charged my " closed '' account 10 dollars, without my knowledge or consent ; because, I spoke to a representative instead of charging my bank account. I had no knowledge of this! So, they then charged me membership fee 's on a closed account! For the month of XXXX and XXXX, and also charged me late fee 's and reported this to my credit report. This account was closed and I had NO knowledge of this. They have done nothing but give me a hard time! Refused to give me a simple letter for my credit repair person and remove this false negative report. Not to mention I spoke to them five times and gave them an additional payment in the month of XXXX for falsely charging my CLOSED account for Two plus months! And they still reported me as late and delinquent for XXXX. I have been working with a credit repair agency an this is prolonging everything! They have not helped me. They lied and said they would wave fee 's and fix the false balance on an already closed account that should of had a zero balance. They did not remove or fix anything! Instead they keep reporting this, and I need help. A letter for my credit repair man and to have this removed ASAP! I also would like to report them as unprofessional and for fraud!

Company response to consumer: Closed with explanation