vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-04 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:
XXXX XXXX XXXX is reporting an account on my personal credit report that is not mine and is a result of fraud. Credit reporting agency did not fix after initial dispute. Contacted XXXX XXXX XXXX to have account closed, but they did not remove it 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 explanation
Consumer complaint received 2020-02-04 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:
XXXX XXXX XXXX is reporting an account on my personal credit report that is not mine and is a result of fraud. Credit reporting agency did not fix after initial dispute. Contacted XXXX XXXX XXXX to have account closed, but they did not remove it 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 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio America Asset Management, LLC
State: IN

Complaint narrative:
They have been written not to call, filed two complaints and yet they still call

Company response to consumer: Untimely response
Consumer complaint received 2020-02-04 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: GOLDMAN SACHS BANK USA
State: KS

Complaint narrative:
My account with Goldman Sachs Apple Card is settled and closed with a balance of XXXX. Despite this, the information on my XXXX credit report is four months out of date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My statement shows on XX/XX/XXXX XXXX added a Late fee of {$28.00}. I had already paid off the full balance making the account {$0.00}. I contacted XXXX and they removed the Late Fee of {$27.00} and {$1.00} of Interest. My statement shows the refund date as XX/XX/XXXX. At some point it was reported to XXXX, Equifax and XXXX XXXX. That my account was Past Due for the Month of XX/XX/XXXX for the amount of {$28.00} - the Late Fee and Interest. I immediately contacted XXXX and they agreed that this was not my fault and that they would remove the Past Due from my account and notify the 3 credit bureaus. They advised me to also open a dispute with XXXX, Equifax and XXXX XXXX which I did. XXXX rectified the report almost immediately. Since XX/XX/XXXX Ive continued to open disputes and provide photos and the statements showing the fees and then the reversal of fees so that I was not Past Due for XX/XX/XXXX. Equifax and XXXX  have not corrected my report but did allow a note to be added to the report that I dispute the past due for XX/XX/XXXX. On XX/XX/XXXX my husband was in a car accident resulting in a total loss of his vehicle. They told us we would need to look for a replacement. I am unable to secure a new loan at a fair rate because of the past due affecting my credit score. I have done my due diligence and still Equifax and XXXX  refuse to correct/update the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
NATIONSTAR MORTGAGE LLC., IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES. 

THEY REPORTED THE MORTGAGE BALANCE TO BE INCORRECT AND THEY REPORTING THE ACTUAL PAYMENT AMOUNT AND FAILING TO REPORT THE 81 MONTH PAYMENT HISTORY AS PER THE FCRA. 

THE ATTACHED IS PROOF THEY ARE IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
DEBT COLLECTION AGENCY. INACCURATE INFORMATION XXXX/XXXX  # XXXX ; ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX ; ( XXXX ) XXXX ) Loan type : charge account Closed XX/XX/XXXX Purchased by another lender unpaid balance charge off Estimated Month and Year that this item will be removed : XX/XX/XXXX +++++++++++++++++++++++++++++++++++++++ JEFFERSON CAPITAL SYSTEM # XXXX, ( XXXX XXXX XXXX , XXXX. XXXX, MN XXXX ( XXXX ) XXXX ) Purchased for COLLECTION XX/XX/XXXX Loan type : Debt Buyer Lists Original Creditor as XXXX XXXX XXXX  ( not XXXX/XXXX  ) Estimated Month and Year that this item will be removed : XX/XX/XXXX +++++++++++++++++++++++++++++++++++++++++++++++ REMOVE INACCURATE/INVALID/ERRONEOUS INFORMATION REPORTING Jefferson Capital System lists Original Creditor as XXXX XXXX XXXX  Original creditor actually was XXXX/XXXX  and says account was purchased by another LENDER not by a COLLECTION AGENCY +++++++++++++++++++++++++++++++++++++++ how can Jefferson Capital list removal date as XX/XX/XXXX when XXXX/XXXX  lists removal date as XX/XX/XXXX ( original creditor ) how can Jefferson Capital list original creditor as XXXX XXXX XXXX  when original creditor appears to be XXXX/XXXX  theoretically they could be separate/differing companies both of these concerns are based on technical fact based inaccuracies ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  XXXX, IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES. 

THEY REPORTED THE MORTGAGE BALANCE TO BE INCORRECT AND THEY REPORTING THE ACTUAL PAYMENT AMOUNT AND FAILING TO REPORT THE 81 MONTH PAYMENT HISTORY AS PER THE FCRA. 

THE ATTACHED IS PROOF THEY ARE IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES.

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 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES. 

THEY REPORTED THE MORTGAGE BALANCE TO BE INCORRECT AND THEY REPORTING THE ACTUAL PAYMENT AMOUNT AND FAILING TO REPORT THE 81 MONTH PAYMENT HISTORY AS PER THE FCRA. 

THE ATTACHED IS PROOF THEY ARE IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: VA

Complaint narrative:
My statement shows on XX/XX/XXXX XXXX added a Late fee of {$28.00}. I had already paid off the full balance making the account {$0.00}. I contacted XXXX and they removed the Late Fee of {$27.00} and {$1.00} of Interest. My statement shows the refund date as XX/XX/XXXX. At some point it was reported to XXXX, XXXX  and Trans Union. That my account was Past Due for the Month of XX/XX/XXXX for the amount of {$28.00} - the Late Fee and Interest. I immediately contacted XXXX and they agreed that this was not my fault and that they would remove the Past Due from my account and notify the 3 credit bureaus. They advised me to also open a dispute with XXXX, XXXX  and Trans Union which I did. XXXX  rectified the report almost immediately. Since XX/XX/XXXX Ive continued to open disputes and provide photos and the statements showing the fees and then the reversal of fees so that I was not Past Due for XX/XX/XXXX. XXXX  and TransUnion have not corrected my report but did allow a note to be added to the report that I dispute the past due for XX/XX/XXXX. On XX/XX/XXXX my husband was in a car accident resulting in a total loss of his vehicle. They told us we would need to look for a replacement. I am unable to secure a new loan at a fair rate because of the past due affecting my credit score. I have done my due diligence and still XXXX  and TransUnion refuse to correct/update the 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 2020-02-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed a dispute for the account Ohio Department of Human Services with Equifax  and it is still showing on my credit file as under reinvestigation. I believe this dispute is older than 30 days and at this point I want to cancel this dispute and remove the dispute comments. This account is no longer in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
reached out to PennyMac regarding a loan modification.I wanted to be pro active while account is current as they recommended, i uploaded all documents in a timely manner including the reasons of rising expenses college for children, ( XXXX  ) increase in mortgage payment due to property taxes increasing escrow and escrow shortgages medical payments and this PMI which stays on even though under 80 % LTV. my point of contact was XXXX XXXX but we dealt with XXXX XXXX .The modification was denied /XXXX XXXX cited no imminent danger of default.? She cited FHA works off the gross pay. when calculating modification.What is problematic is pennymac can obviosly see as we described in borrower situation thats premised with supporting a family of XXXX  on XXXX XXXX net! Also whats troublesome is that XXXX XXXX stated FHA works off borrower gross pay which as a state employee with massive mandatory state deductiions which leaves a greater disparity between gross and net is prejudicial to a state employee.For instance maybe my net pay looks ok on paper but how many private sector employees single wage earner family of XXXX takes out close to {$8000.00} ALONE just in retirement contribution alone.! there must be and exception or or my special circumstance should be strongly considered and request escalated for assistance.Also i am not witholding enough federal my accountant says which will leave me around {$3600.00} net per month to support a family of XXXX  .predicated with a XXXX mortgage payment which is way of 40 % DEBT TO INCOME! iN CLOSIN borrower has presented a defense and back it up with plausible reasoning with the facts on why my loan should be modified.i will not stop here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TX

Complaint narrative:
Last month I received a notice that I had a check returned from my XXXX account even though I should have had more than enough money to cover the check. 

I went through my transactions and saw several fraudulent charges starting around the end of 2019. 

These charges were done by several international money transfer firms ( see my other CFPB complaints ) as well as online retailers such as XXXX, XXXX, XXXX, XXXX, XXXX XXXX, etc ... 

I immediately contacted my card company, cancelled the card and imitated the fraud claims. 

I did contact several of the companies and was able to get a few to refund the money after I was able to prove I did not make the charges. 

Other companies advised me that they would not refund the money unless a chargeback was done by my card company. Again, see my CFPB complaint against XXXX. 

Yesterday I received a letter from my card company, BNY Mellon. stating that they conducted an " investigation '' and determined that I did make the charges and they were not valid fraud claims. 

There is no possible way any investigation was done since the companies that made the fraudulent charges agree it was fraud and said the best way to get the money back is through my card company. 

I have gone almost a month without access to the money that was stolen from me and my card company that is supposed to be protecting me is refusing to conduct an actual investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I purchased merchandise from an online vendor on XX/XX/2020. Shortly thereafter I reached back out to the vendor for tracking information for the merchandise. The vendor at this point stopped responding to me and ultimately blocked me from contacting them any further. The vendor turned out to be a fraudulent company. I filed a claim with my bank, Bank of America, to recover the funds. After a week or so I was notified that they would not investigate the claim any further or reimburse me. This is shocking and burdensome, as I discussed with a customer service representation yesterday. Especially since I have in the past had a claim resolved and paid by Bank of America and the transaction was made exactly the same as this one. How is a financial institution not adhering to a consistent policy - he had no explanation as to why one claim was paid the other was not. This is not an acceptable answer.

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 2020-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I have a buyer with loan commitment supposed to close the end of this week. Closing Attorney has contactec SPF Deed is signed, we have the buyer 's insurance binder, final water, Smoke certificate everything the buyer just has to have the money he took from his current two family with a HELIC loan sit in his checking account for 48 hours for the final closing statement to be approved. XXXX XXXX contacted Select Portfolio and XXXX, XXXX XXXX who is holding the auction to try and get it postponed they refused told the closing Attorney to let them know if we record before the Auction sale tomorrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I have sent several written letters to Southern Management Systems requesting that they validate or remove the debt on each of my credit reports. I haven't received any communications ( written or otherwise ) from this company to validate any debts. They continue to erroneously report false information that is causing a negative impact to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo credit card account number XXXX was opened to finance hearing aides. Initial Offer was finance free for 1 year with a {$3000.00} balance. This credit card has been open for approximately 2.5 years. Over the course of the credit loan, Wells Fargo has been charging {$38.00} each month as a late fee, offering no grace period of any kind but was never informed at the time when I established the account. Normally credit card offers some period after the established payment pull date. The fees have been exorbitant, creating a situation where it would have been paid off by now, however the fees have just continued to accrue.

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 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX XXXX that my credit score had dropped because of a missed payment. As soon as I saw it was Bank of America and the amount I immediately paid the bill in full from my bank account website. On XX/XX/XXXX I received another alert from XXXX XXXX about a missed payment, it was a {$3.00} interest charge. I immediately paid the {$3.00} fee. On XX/XX/XXXX I called Bank of America to find out that my account has been closed due to non payment. This caused my credit rating to fall from XXXX to XXXX. I was advised that I was on a paperless plan that I did not agree to and they were unable to send bills to my email address on file for an unknown reason. We verbally verified the email address and it was correct. I spoke to XXXX XXXX and he filed a Credit Dispute Form. 

I have not had any contact from Bank of America regarding this account balance or missing payment. I have received paper statements in the past and I have received many emails regarding credit increases, new cards etc. but I have not received any billing statement. Until this incident I have not had any late or missing payments.

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 2020-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC

Complaint narrative:
I was sick in the hospital and miss forbearance payment was told I could make the payment then I was told I default in the plan I was has to put the application back in to ask for help was deniel with no income asked for please see the attached documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was contacted through XXXX  app regarding work at XXXX XXXX XXXX  position .I was requested to download the XXXX app because that what job requested for communication, a check was sent for XXXX but wont be clear until XX/XX/XXXX XXXX.Than on XX/XX/2018 for XXXX and I deposit to my bank acc that same day to me so I could purchase XXXX gift card and send pictures of the gift cards that will purchase the system I will need I connected to hangout regarding this and they to speak to supervisor and they reassured its common practice so I did what I was told too.But than by XX/XX/2018 my bank account was close because XXXX check didn't clear out and now I had pay the money back to the bank.I call back the supervisor phone number no response than contacted on XXXX I was block that's when I knew it was all fraud.

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 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had several items post to my account on XXXX and BOA chose to post a {$600.00} draft that was sent to my account before all of the other charges last which caused me to have overdrafts that totalled {$150.00} and would only return {$35.00}. I was included in a class action suit in the past because of this very same action. It is horrible and time for me to leave this bank.

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