vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 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: AR

Complaint narrative:
I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts 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 2020-04-20 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau & XXXX XXXX are both reporting the same debt on my credit file. This is a VIOLATION of the FCRA. two companies CAN NOT report the same debt on my credit file. this is DOUBLE REPORTING and they need to delete this off my credit. The debt is paid I no longer owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My problem involves fees charged on my credit card through Synchrony Bank. 

I owe {$94.00} per month on an installment purchase. The {$94.00} was paid on time in XXXX and XX/XX/XXXX. The XX/XX/XXXX payment was paid late. In XXXX I made a payment of {$110.00} which included a {$40.00} late fee for XXXX. The late fee is one of my problems. How can they charge a {$40.00} late fee on a {$94.00} amount owed? 

I was traveling XX/XX/XXXX so I paid the {$94.00} due in XXXX early in late XXXX before the bill was received. Then in XXXX I received a bill for {$130.00} with a late fee of {$43.00} for a total minimum payment due of {$180.00} How can I be charged a late fee again? How is the bill for {$130.00} when my agreed to payment is {$94.00} and the previous bill was paid in full? Especially when the XXXX payment was received in XXXX before the XXXX due date. I paid the {$180.00} by the due date of XX/XX/XXXX. I just received my bill due XX/XX/XXXX, for {$110.00}. When I called to dispute the charge, I was told that I had not paid all the fees. I asked what fees? I paid the last bill in full which included Amount Past Due. Why am I now being charged more than the installment fee originally agreed to? 

I was told there were other fees that I had not paid. I said how would I know there are other fees when the bill before this one included Amount Past Due and it was paid in full. 
They had no answer for that. I think they just add on fees whenever they want. 

Please address this issue. I have gone on line and found that other people have had problems with this bank. 

Thank you, 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 monetary relief
Consumer complaint received 2020-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
In XXXX of 2020 we requested a payoff and received a payoff of XXXX and was paid on XX/XX/2020 8 days before the quote expired and was deducted from our checking account on XX/XX/2020. Then was told we still owed XXXX per a statement and message on their system, We paid it on XX/XX/2020 and is just sitting there unallocated-unknown. still as of today. Now today we are told we owed XXXX stating they have unallocated funds of XXXX and stating after the XXXX is paid additional payments may be needed.

Bottom line we have paid 2 payoffs. And SLS owes us our excess escrow of XXXX XXXX they haven't applied to anything in 10 days in order to charge more interest.

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 2020-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal phone lines are closed. They refuse to reply through the online chat messenger. My account was imposed limitations on XX/XX/XXXX, after providing all documentation, I was able to reach an agent through chat and the limitations were removed. Then, I sold 2 pre-owned XXXX on XXXX   and on XX/XX/XXXX account limitations were imposed AGAIN! Now i have {$1600.00} stuck and there is no reply from them whatsoever. Aside from myself, I ask that you please take a look at PayPal 's page on XXXX and RECOGNIZE that there are about 5000 other people affected just like myself. In the time that we need it the most, they are keeping our funds AWAY from us. This is completely WRONG and I am looking for HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A THIEF HAS OPENED A FRAUDULENT ACCOUNT FORM BANK OF AMERICA, NAD I NEED THIS CARD TO BE REMOVED FROM MY CREDIT REPORT. REVIEWING MY CREDIT REPORT, THIS IS A SECURED CREDIT CARD, THIS ACCOUNT WS OPENED WITHOUT MY CONSENT, MY KNOWLEDGE, THE CHARGES ON THIS CREDIT CARD ARE FRAUDULENT AND SO IS THE CREDIT CARD. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, THIS IS A FRAUDULENT 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 2020-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
We submitted a compliant regarding our homeowner 's insurance that was cancelled due to Caliber 's error during and after the transfer of our loan to them. Please see CFPB complaint number XXXX. Since then, we have received a new escrow analysis which stated that our monthly escrow payment was increasing from approximately {$400.00} a month to approximately {$1000.00} per month. I wrote to Caliber about this error. They stated we had a {$1900.00} shortage in our escrow at the time ( XXXX, possibly early XX/XX/2020, but before theXX/XX/XXXX payment was received ). I told them they were in error. We had paid the hazard insurance out of pocket and they were working from the wrong numbers and our escrow balance should not be short {$1900.00} based on what they actually paid. The response was that they were correct and the tax department would let us know if there were any other issues that required attention. What a ridiculous answer. This isn't a 'tax ' problem! They completely ignored the substance of the issue we brought to them. Like most people, a payment shock of {$600.00} PER MONTH is an amount that we can't pay, but we shouldn't have to pay it either, if they spent five minutes looking at the substance of our complaint. As you will see from their documentation, they are still taking into account that Caliber disbursed funds for insurance of about {$1200.00}. I do not see the credit to escrow promised in response to the prior CFPB complaint and they are double-dipping and collecting more than is allowed under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax removed an inaccurately reported banruptcy on XX/XX/2020 from my account and then re added the account XX/XX/2020. I was not notified that the banckruptcy would be re added.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
My credit report shows Navient accounts XXXX & XXXX were reported 90 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX. Both of these trade lines are wrongfully negatively impacting my credit rating and as a result I have been denied credit and/or extended credit at a higher interest rate that I would have had these trade lines been correctly reported. The attached transcript ( XXXX  Transcript ) clearly states that my XXXX degree was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due ''. It also states " if you received a PLUS loan as a XXXX  or XXXX  student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period '' ( see highlighted section on page 3 of attached Student Loan Repayment _ Forebearance Period.pdf ) My graduation date was XX/XX/XXXX ( see highlighted section of XXXX Transcript.pdf ) therefore my XXXX  student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. Navient has incorrectly reported these two trade lines as late. Per the Fair Credit Reporting Act ( FCRA ) I have the right to dispute incomplete or inaccurate information ; Inaccurate information must be corrected or deleted within 30 days ; and I may seek damages from credit reporting data furnishers for FCRA violations. I have disputed these negative entries in the past but Navient came back and said they were correct. Based on the information/documentation provided these are clearly not correct ; therefore I demand that these two incorrect trade lines be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a request in XX/XX/2020, to remove inquires that was not mines or I never inquired. These inquires are not mines. I sent a second letter the next month XXXX with no change. I recently sent another letter in XXXX deputing and still no change.I need for some one to adhere to claims since there is no help from them Transunion.

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 2020-04-20 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: PA

Complaint narrative:
To Whom It May Concern, This letter is in response to your recent claim that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/ ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. I have attached my recent Police report to this letter. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2020-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I am currently a customer of Quicken Loans with loan number XXXX. I am writing because I did submit a complaint to the state of XXXX XXXX  about my current situation. I moved out of the XXXX XXXX  apartment in XXXX and have since had a renter in the unit. Unfortunately, because of the state of the economy in XXXX, my apartment lost value and the mortgage has been under water since. The rent I receive from my renter does not cover all of the expenses in XXXX XXXX, and after much deliberation, I was finally able to get approved for at Short Sale in XXXX. Of course this could not have happened at a worse time, as the Coronavirus hit. My renter has always been very responsible and I have never defaulted on this loan with Quicken. But my renter did ask me this month if I was getting assistance from my lender for the mortgage because she may not be able to pay the rent. I told her I was not. Since she is so responsible she is struggling to pay me so that I don't default on the loan. This is an FHA loan and while I can not opt into a forbearance because I am approved for a short sale ( I have a a buyer - I had to get a second buyer because Quicken rejected my first buyer ). If I default, Quicken will report the default to the credit bureaus and I have really struggled to keep a default off of my credit report. My family is growing, we have to move into a different home in XXXX   and my father-in-law had XXXX so it affected my partner 's ability to add additional income into our home this month. For a company as large at Quicken to refuse to stop reporting to the credit bureau or to allow me to stop making payment for a loan that is under contract is ridiculous to me. There can not be so much red tape in this world that a company would refuse to help a customer who has never defaulted on a loan. I will say that I have been treated very poorly by Quicken since asking for the short sale, where I even had an argument with one of their service reps because she was uninformed. I am so concerned about cash as we are moving in two weeks and I have to come up with a deposit. I also paid the mortgage to quicken without actually being in the position to do so. XXXX is coming around and Quicken keeps delaying the close of this loan. I would appreciate any help as their response to the state of XXXX XXXX was that they gave me the option of forbearance ( but I would have to opt out of the short sale ). This is not option at all when what is clear is that I am financially strapped with no options. I will never work with Quicken Loans again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX I - Inquiry date - XX/XX/2020 This is not my inquiry. This needs to be removed from 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 non-monetary relief
Consumer complaint received 2020-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2020 I attempted two withdrawals from XXXX bank in XXXX XXXX Washington. Neither attempt was successful. I immediately called my bank and disputed the charges. One dispute was resolved, the other was not. The charge in question was for {$400.00}. Basically a {$400.00} withdrawal and a {$3.00} ATM fee. After the dispute was denied I called again and escalated it. It was denied again. I then called a few more times to get the evidence they used to deny my claim and they have not provided me with it. It is my right to see the evidence they used to deny the claim and it seems like they are refusing to give it to me. I have filed a police report and am still attempting to resolve this with my bank ( USAA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WESTSTAR MORTGAGE CORPORATION
State: OH

Complaint narrative:
In XX/XX/XXXX I refinanced a home with XXXX XXXX Westar Mortgage XXXX In XXXX I got a notice saying Westar sold my loan to XXXX XXXX XXXX. In XXXX I began making payments to XXXX because that is who I thought the loan was through. In XXXX of XXXX Weststar reached out to me and said that I am two months delinquent on my payments. I did not realize the XXXX payment was supposed to go to Westar instead of XXXX. I informed Westar that I have been paying XXXX and they said it would be my responsibility to recover that payment from them. They stated in writing that I had until XX/XX/XXXX to submit the payment or they would report it on my credit. On XX/XX/XXXX I received a letter that they are reporting my account delinquent, even thought they previously said I had until XX/XX/XXXX. Payment was made to Westar on XX/XX/XXXX. They stated that they would make the correction once payment was received even though it was reported prior to XX/XX/XXXX as they had originally stated. On XX/XX/XXXX Westar was still reporting my account as delinquent. They submitted a second letter stating that they were removing the reporting. I believed this issue to be resolved. On XX/XX/XXXX I began to refinance my personal home. When credit was pulled Westar was still reporting our loan delinquent on my wife 's credit. I contacted them and they stated it was an automated error in their system. They submitted a letter stating it would be removed from her credit report. Today XX/XX/XXXX, 31 days later it is still reporting.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: TX

Complaint narrative:
I have been calling Experian for 4 days now. Every time someone pick up, they keep forwarding me around stating that I'm in a special dept. When that department picks up they tell me still in the wrong department. When I finally get to the department I need, I have to leave a message and no one has yet to return my call. 

I have personal information that is incorrect and needing removal from mt credit report. Please see the following. 

This name with this spelling is incorrect. Please remove. 
XXXX XXXX Name ID # XXXX These addresses are incorrect. Please remove. 
XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX These Social security number variations are not mines. Please remove. 
XXXX XXXX Please remove this unauthorized inquiries that was not for a permissible purpose. 
XXXX  XXXX XXXX  Inquired on XX/XX/2019 XXXX   Inquired on XX/XX/2019 XXXX  Inquired on XX/XX/2019 XXXX Inquired on XX/XX/2019 Please remove the remarks under comments for the following tradelines : XXXX XXXX XXXX XXXX XXXX OH XXXX OFFICE OF THE ATTY GENER XXXX XXXXXXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide with an updated and corret report when completed.

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