vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 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: FL

Complaint narrative:
There are currently numerous accounts, addresses and names listed on my report that are a result of malpractice or an error.

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 2020-12-24 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: PA

Complaint narrative:
I would like to have these collection accounts removed from my credit report. The balances on these collection accounts are inaccurate and they are damaging my credit. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX 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 2020-12-23 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: CA

Complaint narrative:
I just tried to review my credit report and credit score via multiple credit depository sites and I learned that Equifax is the only credit bureau that would allow me to view my credit report. I called and spoke to a rep in their Consumer Affairs department and asked if I could just have my Security Freeze completely removed from my credit report that I originally requested be placed on my credit report because its hindering my from viewing my Equifax Credit Report. The rep told me that I could not have it removed. I asked why and she said it was their policy. So I informed her that it was my right per the FCRA law which grants me the ability to access all three of my bureaus at any time, but Equifax is the only credit bureau who has a secret policy in place barring certain individuals such as myself from accessing my credit report. Equifax is above the FCRA Rules which they are supposed to be following. 
I would like to have the security freeze that I placed on my credit report removed because it blocks me from accessing my own credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Dear CFPB, I'm trying to ascertain whether I will be eligible for a future bonus point upgrade to an American Express Hilton XXXX card or if a recent, abortive 1-day upgrade has triggered Amex 's 'once per lifetime ' policy. To offer some background, Amex ran a sketchy promotion recently that has blown up in their faces, offering a one year annual fee of {$0.00} for their XXXX  card rather than the usual {$450.00} annual charge. It's evident that Amex, either through a marketing scam gone bad or honest internal error they've yet to admit, put out an offer they never intended to honor. Once Amex chat informed me that I was not eligible for the upgrade, I had them reverse it within 24 hours. Be advised Amex alludes to some vague issue of some sort they had with the promotion, but have yet to state whether my account was impacted by their error/sharp dealing. My attempts to communicate with Amex have been regrettably unproductive, so I ask CFPB to reach out and determine whether my 1 day acquisition of the XXXX  card ( which I did not use during that brief period ) has put me afoul of the Amex 'once per lifetime ' potential future upgrade. Let me state for the record I'm otherwise very pleased with my American Express account, and I have a perfect payment record with them since opening my account over 13 years ago. I'm hopeful CFPB will encourage Amex to reflect, look inward, and endeavor to improve their treatment of good customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SIBCY CLINE MORTGAGE SERVICE
State: OH

Complaint narrative:
I was doing refinance through Sibcy Cline mortgage company. First they didn't fill out paperwork properly and I was short almost a {$1000.00}. I caught the error on time. But then they also didn't provide correct insurance information, XXXX XXXX XXXX XXXX XXXX didn't mail the check to the right company, and as a result my home insurance was cancelled and I didn't have coverage for over 2 months. The big issue is that no one did anything about correcting the error for over two months, until I found out that this was happening and started contacting everyone. There was no apology or compensation issued and I was blamed for not cooperating and being helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: WA

Complaint narrative:
In XXXX I requested a copy of my free annual credit report from Equifax as I had done for several prior years. I received a form letter from Equifax dated XX/XX/XXXX which said they needed additional information from me, according to two categories one labeled Identification and the other labeled Current Address. Each category listed several examples of acceptable documents. I sent a copy of my original Social Security card and a copy of my XX/XX/XXXX Annuity Statement from the XXXX XXXX XXXX XXXX XXXX which provides my address. 

I then received an identical form letter from Equifax dated XX/XX/XXXX with no explanation but requesting the same information. In order to ensure that I would provide the correct information, I called Equifax and spoke to a representative who gave her name as XXXX. I explained the situation to her and she advised writing a cover letter indicating the two pieces of information I would include. I asked if providing a copy of my US Passport and XXXX Statement of Annuity from the XXXX XXXX XXXX XXXX XXXX would be acceptable and she said it would be. I prepared a cover letter and sent it with the two pieces of documentation as instructed and approved by the Equifax representative. 

I then received a third form letter from Equifax dated XX/XX/XXXX, also identical to the first two letters and again with no explanation. I subsequently contacted the CFPB and it was suggested I submit a complaint, which is contained herein. Attached to this file are copies of the letter I sent to Equifax in XX/XX/XXXX ( note the typed date indicates the year is XXXX which is a typo ; it is corrected in pen on the copy attached to this complaint ), and copies of the two documents I sent with that letter, i.e., my XXXX Passport and my XXXX Statement of Annuity from the XXXX XXXX XXXX XXXX XXXX. I have redacted private information from these two documents sent with this complaint to the CFPB due to lack of computer security with electronic transmissions. This private information was not redacted from the documents I sent to Equifax via the US Postal Service in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I just read in my credit bureau report an entry from a collection agency for XXXX XXXX in the amount of {$140.00}. It is important to note that I have never received service from this company in the last two years. I also never received a bill from XXXX XXXX. I have tried in vain to communicate with them. I am afraid that my personal information has been compromised or confused in some way. Again something to note is that I never received any notification for payments. I just found out about this problem by reading my credit report. I am very upset and feel a feeling of enormous helplessness

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC
State: MO

Complaint narrative:
To date, this is the third complaint I have had to file against Flagship Credit Acceptance for the SAME exact problems. They haven't addressed any concerns or come to a resolution on how to work with me on the account. 

I have had extreme hardship this year, due to the pandemic, such as having to have an operation which occurred in XXXX of XXXX, had the flu in XXXX of XXXX, had XXXX in XXXX of XXXX and recently just found out that I have to have another foot operation in XXXX of XXXX, because my last foot operation was unsuccessful. 

Since XXXX, and up to the date have talked to references on my application and given them personal confidential information containing to the debt on my account and have left voicemails on their phones about my debt with them. 

On XX/XX/XXXX, XXXX, of XXXX, after XXXX XXXX responded back to my previous complaint, I've reached out daily to try to resolve the account with her and no response back from her. During the course, of talking to other representatives, I have been threatened by them for repossession of the vehicle, however, I'm trying to reach the representative that responded back to the last complaint I filed, therefore we can reach a resolution. 

At this point, this Flagship Credit Acceptance lacks transparency on how they handle customer complaints. From representative to representative to representative the information given changes from one rep, to another. 

All I want is transparency from this company, instead of getting the run around and thrown to a different department that isn't handling the account.

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 2020-12-23 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: NC

Complaint narrative:
This is not a duplicate case. I am submitting this request as I have garnered additional information from both XXXX XXXX and Experian which further proves that they are inaccurately reporting the status of a closed/charged off credit card account to Experian. It also appears that XXXX XXXX has chosen not to correct the action, which comes as surprising as the information is black and white. 

The account is being reported to Experian as past due in the last 60 days, however, the account was settled for the full amount in XX/XX/XXXX ( 90 days ago ). 

Furthermore, I have been in contact with XXXX XXXX and the representative confirmed that the account is being listed as past due, however, she can not modify the account due to it being closed. 

I have since been in contact with Experian and they were able to confirm that the dates of the " late payments '' date back to XXXX and earlier ( five years ago ). 

As you can see this is a discrepency as the account was listed as late within the last 60 days ( XX/XX/XXXX ), even though the late payments are from XXXX and the account was closed out 60 days ago. 

In XXXX I established an arrangement with an attorney to settle the account in payments, making my last payment early, on XX/XX/XXXX. The attorneys office stated the account would close completely in XX/XX/XXXX, 30 days after the payment has posted to their account. 

Since making the payment arrangement with the attorney I have consistently made on time payments, even paying more than the minumum amount most months. 

I need confirmation from XXXX XXXX directly, as to which payments ( month/day/year of the late payments in question ) XXXX XXXX is reporting as late within the last 60 days to Experian. Additionally, if the late payments were not within the last 60 days ( which they are not because the account has been paid off for 90 days and closed for 60 days ), I need that late status removed from my credit report, as it is inaccurate. 

I am looking to have this resolved within the next 30 days or I will be seeking legal counsel for this matter, as it has been prolonged for long enough.

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 2020-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/XXXX I received an chargeback notification from PayPal for {$400.00}. I immediately called the customer and she realized her mistake and called her card issuer, XXXX to cancel the claim she filed the day before. PayPal followed up with them and XXXX notified PayPal that the dispute had been canceled but they proceeded with the claim anyway and charged my account and accessed a fee. I have made numerous calls and even three way calls with PayPal, the customer and XXXX. I have requested PayPal to call XXXX and provided them the information twice. The customer provided me with proof that the claim was closed and the funds were returned and PayPal refuses to trace these funds. They give me an excuse that ranges from saying they have never heard from XXXX to this legally needs to take 90 days. I get a new story every time we speak.

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 2020-12-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
XX/XX/XXXXand XX/XX/XXXX I have reached out to the credit reporting agency and bureaus reporting report on my credit file. As of today, I have failed to here back from either Bureaus. No action were taking on there part but he creditors did leave remarks.

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 2020-12-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I have reached out to the credit reporting agency and bureaus reporting report on my credit file. As of today, I have failed to here back from either Bureaus. No action were taking on there part but he creditors did leave remarks.

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 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have requested to have the PMI insirance taken off my mortgage several times based on current property values in my area. Wells Fargo has been no help and XXXX XXXX has been no help. They want to charge me a large fee of {$550.00} to even consider this. That is nit right I know the value of properties in the area.

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 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CT

Complaint narrative:
I received a letter from Receivables Performance Management LLC in XX/XX/XXXX. 

The letter from RPM stated that I owe {$3200.00} for a Sprint/TMobile account that I did not open. 

I called RPM and inquired about this Fraudulent account. I was told that the account was opened in XXXX, FL on XX/XX/XXXX and that 4 XXXX were purchased. RPM gave me the phone numbers for each phone and the phone number used when the account was opened. 

The 4 cell phone numbers are all XXXX, FL based numbers and the phone number on the account is a XXXX, Colorado number. 

I live in Connecticut and I have never had a XXXX/XXXX  account, plus I was never in XXXX, FL. 

I told RPM that this account is Fraudulent and I did not open it. I asked them to please remove my name from this Fraudulent Account and remove this Fraudulent Debt from my Credit Reports. I told RPM that I live in CT and that this account as RPM told me, is for 4 XXXX purchased in XXXX, FL, with XXXX, FL numbers and the contact number is a XXXX, CO number. I told RPM that the information they provided does not add up and it is absolutely Fraudulent and they replied, my name is on the account and as far as they are concerned, I am responsible for the balance on this Fraudulent account. 

After I spoke with RPM, I immediately placed a Securtiy Freeze on all of my Credit Reports. 

I want RPM to remove my name from this Fraudulent Account and Remove this Fraudulent Debt from my Credit Reports.

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 2020-12-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: PA

Complaint narrative:
Im trying to access my USBANK ReliaCard. This morning I tried to sign into my mobile banking app and it wouldnt let me so I called ReliaCard. An agent told me that my card was inactive and there was a comment on my account that said to contact the state. I did and the P.A UC said that they did not put a block on my ReliaCard so that I needed to call them back. They still wouldnt unblock my card. Mind you back in XXXX my account was blocked up until last month, XXXX because they had a type in their system with my address. ReliaCard made me fax them over personal information just to get the restriction lifted. I did this for almost 2 weeks straight because every time I faxed them over documents there was a problem. They finally lifted the restriction and was able to send me a card so that I can gain access to the funds that were on there. Now my card is blocked once again and I have no idea why and they arent being any help. I have a total of {$2300.00} that I can not gain access to.

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 2020-12-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There is a Chase account reporting on XXXX  and XXXX  that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with Chase, XXXX, and XXXX and they have failed to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I opened acct with HSBC 6 months back after confirming that I am eligible for XXXX $ bonus. 

contacted them 2 weeks back still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: CA

Complaint narrative:
There is a XXXX account reporting on XXXX and Equifax that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX, XXXX, and Equifax and they have failed to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: AL

Complaint narrative:
In 2006, I applied for a student loan with AES totaling {$6000.00} and has paid {>= $1,000,000} on the loan ; however, the balance on the loan is {$12000.00}. The interest rate is excessive and can be classified as usuary in the U.S. This is a very suspicious company, as the official owner of the loan can not be identified, and the company is not accommodating as far as lowing interest rate, etc. Each year this loan keeps increasing instead of decreasing, as I have at one time made payments religiously without making a dent in the balance. Something needs to be done about this student loan lender. Pure highway robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
01- XX/XX/2020 I refinance my home and paid off my old mortgage 02- XX/XX/2020 Per bank record, they mailed my escrow refund ck {$10000.00} 03- XX/XX/2020 Check NOT received until now 04- XX/XX/2020 I called the bank for my check and I was told that I have to wait for it. 

05- XX/XX/2020 I called the bank regarding ck. They told me they will stop payment and a new check will be issued. 

06- XX/XX/2020 I called the bank regarding my ck. I was told that they would stop payment and issue a new ck. I told them that in my previous call, I was told the same stop payment and issue a new check, which they did not do. Also, today, they told me, sorry, but you have to wait. 

BY THE BANK RETAINING MY ESCROW MONEY, THEY ARE HARMING ME A LOT AND MORE SO IN THIS TIME OF PROPERTY TAXES, VIRUS AND HOLLYDAYS. 
THE BANK SHOULD PAYMENT INTEREST AND PENALTY FOR USING MY MONEY AND LYING TO ME THE CHECK GOT LOSS. I DO RECEIVE MANY OF THEIR LETTERS ALL THE TIME.

Company response to consumer: Closed with explanation