vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-29 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hello, I originally submitted a CFPB complaint on XX/XX/2019 relating to an account with XXXX XXXX XXXX, a company that I am not familiar with, after I reported this issue to an Equifax rep. during a phone conversation. Equifax initiated an investigation that same day ( XX/XX/2019 ) and the report was completed on XX/XX/2019. An updated credit report/results were mailed to me and the report states " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. '' Equifax did not provide any evidence of additional documents for me to review from them nor this company to confirm this statement. The only information that I have from XXXX is a detailed itemized medical bill for XXXX XXXX XXXX, a XXXX-year old male whom I have no relationship nor knowledge of. This bill is extremely detailed and contains his personal protected health information. 

I have already disputed erroneous account with XXXX, XXXX  and also Equifax however Equifax is the only agency that has not removed this account or truly investigated this company 's deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
portfolio recovery associates keeps calling me in regards to a fraudulant account. I sent them a certified letter stating that this account does not belong to me and that I have no account or contract with them. they threatening to take monies out of my bank account. they went into my credit file and got my banking account number and threatening me that they would deduct monies from my account. this is surely against the FCRA laws. I sent the credit bureaus certified letters as well, telling them these fraudulant accounts do not belong to me and they said that these accounts were verified and i ask them to send me proof and they did not send me anything. they are going by some collection company who purchase these fraudulant accounts from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a permanent credit freeze on my credit report. I signed up through experian to have a thing where they alert me in changes to my report I felt they were not doing anything for me so I cancelled this they were charging XXXX a month. So the next day I got an email from them telling me they unfroze my account for cancelling my member ship. Now in order to get the freeze reinstated i had to join and pay life alert and now my fee is XXXX a month. I feel this is really not fair or right. Before I paid nothing for the freeze now i have to pay XXXX and have life alert. i had life alert before and they let things slip like once i applied for a credit card and they never notified me about it when i contacted them they said we cant moniter everything I thought then why am i paying you {$300.00} a year if people can still open accounts in my name. My roomate stole my social security card several years ago so that is why i want a permanet freeze on my 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 non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a XXXX credit card for two years with a platinum status, and I enrolled for XXXX  Thanks for sharing rewards program for {$25.00} last year, which is a 10 % in rewards program for XXXX  Card holder once a year. I have earned around {$2900.00} rewards by shopping at XXXX with my XXXX  card in XXXX. However, XXXX closed my account on XX/XX/XXXX without telling me reason why its closed over the phone. At that time I dont mind not continue use XXXX  card but I worried about my rewards that I had earned, so I called XXXX   customer service asking if I still would receive my thanks for sharing rewards even my account is closed, the answer I got was a Yes, the rewards card would be sent out XXXX-XX/XX/XXXX. And I have been waiting and waiting. During the beginning of XXXX I tried to call XXXX   customer service to ask when I can receive my rewards card, mostly I have to wait for 30 mins each call without any certain answer, however, on XX/XX/XXXX a representative told me he had reissue my rewards card and I would receive it in 5-10 business day, so I had waited till XX/XX/XXXX I made another call, this time I was told I wont be able to get my rewards card due to account closed. I was shocked and I Said that I paid for the program and I earned my rewards, if I didnt shop at XXXX  I wouldnt get a penny from it. However, I was just told we cant issue you the thanks for sharing rewards card due to your account closed, its not me who closed 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 2019-04-29 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: MO

Complaint narrative:
I was applying for financing and was turned down and couldn't understand why. When I received a copy of the report Experian is not showing my open active positive accounts. It's upsetting because they are very quick to show the negative but not the positive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
An automatic payment was scheduled for XX/XX/XXXX. During the transition of my bank, the routing and account numbers were changed resulting in a bad draft payment. The same day, I made an electronic payment from another bank ( after moving the cash around ) and it cleared my account the same day. Since XX/XX/XXXX, we've opened 6 cases for research which has amounted to nothing except threats that we are behind on our mortgage ( which, we aren't ) and the staff is not helpful at all. Every week we call, they tell us it'll be another week. One representative literally told us nothing was done with our case and they just closed it. We conferenced in a representative from our bank who provided the trace number so they could find the money on their end but still, no credit to our account. We're going on 4 months here and someone else probably has my payment attached to their 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 2019-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/19 I paid my credit card in full 1 day late and requested a 1 time late fee waiver of {$27.00}. On XX/XX/19 the company responded that my balance was XXXX. I did not realize that I would need to pay additional money since my balance was XXXX. I have now received a bill for over {$62.00} which included an additional {$27.00} late fee. The company agreed to waive {$27.00} however I feel that I should not have to pay either late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have received a notice from XXXX XXXX about a inquiry that originated from Bank of America on XX/XX/2019 i then reached out to Bank of America attempting to find out what type of account or application this inquiry is in connection with i then learned it was Bank of America small business credit card team. I then spoken with customer service explaining to them that the account that was opened was in connection to a fraudulent application using my personal information that i was not aware of into XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Hello, I had taken out a HELOC with XXXX XXXX XXXX back in XXXX. Having XXXX kids I needed money for schol tuition, cars, clothes, medical and dental costs ( braces ) etc. So I had been making monthly payments every month without issue ( XXXX or so ) until in XXXX my monthly payment skyrocketed to quadruple that amount, XXXX a month. I called XXXX and was informed that the loan amoritized ( sp ) after 10 years unbeknownst to me. Living from paycheck to paycheck this was essentially a second house payment. I informed XXXX that I had no idea that this would happen when I took out the loan, indeed I would have never took out the loan had I known that. They claimed it was in the fine print. i tried to modify the loan two times, sending documentation of expenses, income etc and they claimed I did make enough money to modify. I lost my job with the federal government in XXXX and claimed Chapter XXXX bankruptcy and the XXXX HELOC was discharged as part of the bankruptcy as well but they said they could still take our house if we defaulted on the HELOC. XXXX XXXX XXXX has since sold my loan to Select Portfolio Services. Please advise if we may obtain any relief as we can not sustain this burden. Thanks in advance for your help in this matter, XXXX XXXX XXXX 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 2019-04-29 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: Ocwen Financial Corporation
State: NY

Complaint narrative:
Im trying to get a negative mark removed from my credit report that was reported by Ocwen Loan Servicing. I have been trying for the past few months. Twice I have spoke to different escalation managers and twice my request was turned down. This is ridiculous. 

The facts are simple. 

My ex wife got our residence from our divorce. In our paperwork it clearly states she was the sole owner and solely financially responsible for the mortgage payments on the residence. Stipulation of Settlement was executed on XX/XX/2018 by the Honorable Judge XXXX. The late payment to which I am referencing was reported for the month of XX/XX/2018. Clearly after all papers were signed. 

The below references relate to the Stipulation of Settlement from our divorce. 

Page 13 letter K Unless expressly provided in this agreement, the party receiving the particular asset, whether tangible or intangible, shall assume any and all liabilities associated with the ownership of such asset, and shall indemnify hold the other party harmless of any and all such liabilities. 

Page 15 letter B The wife shall remain in and retain sole ownership of the residence. 

Page 16 letter C from previous page 15, The wife shall indemnify and hold the husband safe harmless and satisfied with respect to the Ocwen Mortgage now and forever. 

This is pretty simple case. My ex wife assumed the home and the Mortgage solely on XX/XX/2018. On that date I lost all interest in the residence and was no longer obligated to legally pay the mortgage. The fact my name wasnt removed from the mortgage loan was a technicality and that it was being worked on to be removed. 

Our Judgement of Divorce Papers were signed by the Honorable Judge XXXX on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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 — Investigation took more than 30 days
Company: Overland Bond & Investment Corporation
State: IL

Complaint narrative:
Hello Ive recently purchased a XXXX XXXX XXXX from a small car lot called car credit in XXXX XX/XX/XXXX. My finance company which is OVERLAND BOND financed me for a little over XXXX $ for my car. I only purchased the vehicle because I was trying to start building my credit to buy a home next year. Ive been making my payment ON time since I have had the car. But received nothing but poor customer service and attitude. I was recently hurt on the job XX/XX/XXXX and was out of work for 4 months. Still making every payment on time all to find out that XX/XX/XXXX was the LAST time they reported my payments to the Credit bureau XXXX. My payment is due twice a month with the amount of XXXX $ bi weekly. I noticed my credit score didnt really go up and I also have 2 credit cards that I pay on time every month. So this last time I made my payment last Wednesday I asked the agent who took the payment how come my credit score hasnt went up from making my payments on time she then expressed to me that their system has been down since XX/XX/XXXX. I was disappointed because Ive been working so hard to build my credit all for them to not be reporting and didnt even reach out to customers to let them know whats going on. They was trying to be sneaky and got very hostile when I told her I would have to report this to the credit company and another 3rd party to get this resolved. The agent couldnt tell me an exact date on when their System would be back running. Once I contacted XXXX  they expressed to me that no credit report was given to them since XX/XX/XXXX this is very unacceptable and I would like to take further action. This finance company doesnt even allow you to make late payments or your car wont start and they will repo it. So for their policy to be so Strick they should be on top of things and follow the rules and regulations as well! I will never recommend anybody to finance with this company overland bond they are a rip off and have high interest fees and very very unprofessional and on top of that they dont even offer gap insurance which is a very significant perk to purchasing a car. Its very important but that goes to show you how cheap they are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Someone used my info to open a fraudulent account. They will not remove it from my 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 2019-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
portfolio recovery assiciates llc sent me a letter saying that i have an account with them and that they are going to take monies out of my account for this debt. I told them that these debt does not belong to me and stop calling me about it. I ask them to send me proof that i have a contract with them, show me where i sign any contract with this collection companies, the only thing they sent me was an bill stating that i owe them. this is just a bill they bought from the credit bureaus saying that i owe them. I also contacted the credit bureaus in regards to this fraudulant account and they said it was verified, I ask them to send me any documents they have on this fraudulant account, that verifies this. the credit bureaus have not sent me any kind of documents. how can the credit bureaus put anything on my file without having documents to verify. they are so crooked, with so many data breaches on these credit bureaus, they should look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
As of XX/XX/XXXX a negative impact has been reported on my credit report. I have contacted XXXX XXXX to dispute this account and have removed from my credit report however the response was that it was accurate. I am reaching out to whoever can help me investigate this account. As of XXXX of XXXX freedom debt relief took this account as an agreement with me to pay them a monthly fee to negotiate a payment plan with the account that is listed as a collection on my credit report, synchrony bank through portfolio recovery A. This is XXXX XXXX XXXX account since XX/XX/XXXX, this account has been negotiated and settled and payment plans agreed. It continues to show a negative mark on my credit report I am asking that it gets removed as a collection mark on my credit report. Can someone help me? I have went beyond my agreement with XXXX and they continue to drag out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ASPIRE FINANCIAL INC.
State: TX

Complaint narrative:
I applied with TexasLending for a hone equity loan. Speaking with their rep I questioned the high appraisal costs and was told I could select an appraiser which I did. I was told the loan was approved and in process. Today I was informed that the loan was denied because I had the appraisal done and not them. This has cost me the appraisal cost, time, and possibly damaged my credit due to being turned down for a loan. 
As a senior citizen ( or any citizen ) I think this is unfair practice to say the least. 
i think if TexasLending needs their appraiser to do the appraisal they should pay for it and proceed with the loan I qualified for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Select Portfolio Servicing which holds the mortgage previously held by XXXX XXXX, is failing and refusing to correct improper filings they did with the county to permit me to refinance the mortgage. For the last month I have been told by them that they have escalated the issue, but I just have to wait until they get around to resolving the problem. I have asked to speak to a supervisor each time, and on each occasion have been told that a supervisor is not available, but will call me back in a couple of days. To date, I have not received a call back. Each time I call and ask for the person I spoke to previously, I am told that person is not available and I need to speak to whoever is currently available. It appears that they are intentionally delaying the process so they can maintain the income from my current mortgage. Initial calls to Select started in early XXXX, and have included calls two to three times a week, with the most recent call being today, XX/XX/2019. It should be noted that I am not seeking to refinance with Select, but will be refinanced by XXXX XXXX, which has approved refinancing but can not proceed to closure because of this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation