vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-22 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I contacted the debtor ( s ) on XX/XX/2019 requesting my signature proving this was my debt and/or that I had paid the accounts late. The companies are reporting this information to the 3 credit reporting agencies without providing validation of the debt and the credit reporting agences are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: AL

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The credit bureaus are reporting inaccurate/outdated/incomplete personal information.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 2019-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Paid my balance in full on XX/XX/2019. Capitol One then sent me my statement on XX/XX/2019. The statement showed they charged nearly {$13.00} of interest on a XXXX balance account. When I called to inquire why, I was told I have to pay the balance off in full two months in a row to be charged zero interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
The complaint that we filed the last time was closed, but we are still receiving erroneous collection letters and debt collector telephone calls from Loancare. This is contrary to the letter response that Loancare sent to CFPB. That Loancare letter stated that our account has been updated to non-delinquent status since 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 explanation
Consumer complaint received 2019-11-22 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: Bonneville Billing and Collections
State: CO

Complaint narrative:
I got an email from XXXX XXXX on approx. XX/XX/XXXX saying I have a collection debt reported on my credit. I opened the report and it was for XXXX collection agency is Bonneville Collections, address XXXX XXXX XXXX, XXXX UT XXXX, XXXX for XXXX XXXX XXXX XXXX dated XX/XX/XXXX gong back 3 months. I responded to XXXX XXXX telling them that this is not my account, I haven't heard anything about this until XXXX XXXX sent me the email and I haven't lived in that area for over 20 years. I disputed the item through XXXX XXXX. I did get a phone call about a month or so again from some collection agency ( couldn't understand name ) and when they asked my name and I told them, I was told it was a mistake and they were looking for someone with a name similar to mine. They apologized for the mistake but I don't know which collection agency it was. Today XX/XX/XXXX there was a old derogatory item from I believe XXXX on there but I couldn't access it and after that amount of time it shouldn't be on there anyway. This is so disturbing as I have no idea why this is on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Made a payment online through Bank Of America 's online payment process tied to my credit card account on XX/XX/2019 for the amount of {$7400.00} before XXXX ET. They did not apply my payment until XX/XX/2019 causing additional interest to be charged on the account. In addition as of XX/XX/2019 BofA is making my credit line available. I have never been late on a payment or had a check/electronic payment returned. There is no reason that BofA needs to delay same day payments or not make the credit line available to the customer of many years.

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 2019-11-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
Hi CFB, I recently initiated a dispute with XXXX and the reason was a hotel deposit thats charged on my card. I left the hotel after a short stay because of bed bug problem and the services were not provided to me as promised. The hotel took {$1100.00} as hotel deposit and wont return so I initiated a dispute with a bank HSBC and they denied me upfront saying they wont do anything about it because of the hotels refund policy! This is totally unjustified to keep my {$1100.00} and not do anything about it. 

I tried calling the bank and they upfront said that they wont help me at all and can not do anything about it. 

I would request you to please look into and appreciate your help on this matter as soon as possible. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-11-22 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: CA

Complaint narrative:
I discovered a Bankruptcy on my credit report today XX/XX/19 when I went to try to buy a car and was not approved. This bankruptcy is not mine ; I did some investigating and it turns out that this was clerically filed in error and this bankruptcy actually belongs to someone with a similar name as mine. I have never filed for bankruptcy nor did I take part in this in any way. I have filed a police report as well as reporting this to the courts in hopes of getting my name and credit history cleared.

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 2019-11-22 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-11-22 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: ID Analytics, Inc.
State: MO

Complaint narrative:
Sagestream LLC reported my credit score to XXXX XXXX at XXXX. My Credit Score at  XXXX  is XXXX. I feel Sagestream is giving me such a low score because I am XXXX XXXX. I want an investigation into my complaint about this company. I was try to get financing to buy a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE OPENED UP A STUDENT LOAN IN MY NAME FROM SALLIE MAE, NAVIENT IS COLLECTING FOR THEM. I PRESENTED THEM WITH A NOTARIZED IDENTITY THEFT AFFIDAVIT, ID THEFT REPORT, ALSO A POLICE REPORT IN WHICH I HAVE INCLUDED ( THROUGH UPLOAD ). XXXX  HAS REFUSED TO CORRECT THE MISTAKE, WHICH IS HURTING ME FINANCIALLY. XXXX  AND XXXX  HAS ALREADY REMOVED THE FRAUDULENT ACCOUNT. I KNOW OTHERS THAT HAS HAD THE SAME PROBLEM WITH XXXX, UNQUALIFIED WORKERS ARE HARMING CONSUMERS CREDIT. I BELIEVE ITS A SCHEME, AND THEYRE DOING IT ON PURPOSE.

FCRA 605B EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGE

NCY.OF : 1. APPROPRIATE PROOF OF IDENTITY OF THE CONSUMER. 2. A COPY OF IDENTITY THEFT REPORT. 3. THE IDENTIFICATION OF SUCH INFORMATON BY THE CONSUMER, AND 4. A STATEMENT BY THE CONSUMER THAT THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION BY THE CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: DE

Complaint narrative:
I sold my home in XX/XX/2019 and the mortgage was paid off. I have yet to receive a refund for the additional amount in escrow. I have made phone calls, spoken to several managers, sent emails to the servicing company executives ( XXXX XXXX and others ). Initially, I was advised I needed to wait for 30-days to see if I receive the check. After the 30-day mark I called again and was told a stop-payment would be placed on the check and check reissued I should receive it 5-7 business days. I waited and no check after about 10-days I called again and the associate apologized and said they would escalate and expedite the replacement check I would receive it in 5-days. After a week I call back and they tell me no expedited check was issued but the replacement check was requested and it could take up to 30-days to have it reissued. I call back a week later to see if they could provide me with the details of the check that was sent so I could verify the check was en route. I was told they would request and have the escalation department. I explained I was a XXXX  and it needed to be after XXXX EST. Of course they ignore that request and call me in the middle of the day so I am unable to speak to them. I call back again that afternoon speak to a supervisor he tells me would have escalation note the account. This goes round and round week after week until a few weeks ago when I am told the check can't be sent because the original check was cashed. I asked by who and when and of course they don't have that information so it would need to be researched. I explain in my opinion I am not aware of any check being cashed and it may have been cashed fraudulanty but I have yet to recieve my escrow payment. This is long but just a summary of the cireles SLS has been putting me through over the last 4-months. I would like to request the help of the CFPB because every time I call I get a different story and a different excuse on why my escrow check hasn't been sent.

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 2019-11-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: U.S. BANCORP
State: WI

Complaint narrative:
I am a co-signer to a private student loan from US Bank. On XX/XX/XXXX, I received a call from XXXX XXXX, XXXX XXXX XXXX, that I owed {$3700.00}. Off guard and shook, Mr. XXXX said that I was the co-signer to a student loan, last payment received was {$37.00} on XX/XX/XXXX, and the balance is due within 30 days. I explained that it was my youngest XXXX  and I do not have contact information. We are estranged because of other matters. I gave him the last phone number I had. That was not good enough and kept repeating himself trying to get me to commit to paying this off. He then offered to settle this matter for {$1900.00}. I told him I wanted more information. I then received a letter postmarked XXXX and then another XX/XX/XXXX summarizing the offer, threat of judgment etc. After this encounter I have been receiving phone calls since XX/XX/XXXX daily with messages on my answering machine. 
I am retired and live on a pension and social security, I have always paid my bills timely and achieved a very good credit rating. I am asking for help to navigate this mess. As of date, I have not received a copy of the original agreement. 
Thank you. ( I would have to send copies of letters under separate cover ).

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 2019-11-22 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: CA

Complaint narrative:
I AM CONCERNED ABOUT THE LACK OF ASSISTANCE I HAVE RECEIVED IN REMOVING THE CHARGED OFF ACCOUNT FOR XXXX XXXX XXXX. AFTER SEVERAL ATTEMPTS AT DISPUTING THIS NEGATIVE ACCOUNT, I AM INSULTED BY THE INCONSISTENCIES THAT HAVE BEEN PERFORMED BY THE AGENCIES. I NEVER RECEIVED A RESPONSE FROM ANY OF THE AGENCIES AND I AM VERY UPSET AT THE FACT THAT NOTHING HAS BEEN DONE ABOUT THIS MATTER. I NEED THIS ACCOUNT REMOVED AS SOON AS POSSIBLE. I HAVE GOALS I WANT AND HAVE TO ACHIEVE, THIS IS DISABLING MY CREDIT REPORT, AND SADDENING MY SCORES AS I TRY TO PURSUE PROGRESS. I DEMAND TO KNOW WHY THIS ACCOUNT IS STILL REFLECTING.

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 2019-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Booked 5 hotel rooms at a XXXX XXXX in XXXX NJ using my debit card to reserve the room. When we arrived to check in, we told them to not charge my card and use a different persons card for the rooms. When all was said and done, the company charged the other persons card for all 5 rooms, but then also charged one room to my card. I submitted a claim with my bank and apparently the bank statement from the other person showing that they were charged for 5 rooms wasn't enough documentation for them to refund my money and my bank is denying my claim. I have documentation to provide proof of all of this.

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 2019-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XX/XX/2019 XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX, CA XXXX To whom it may concern, I'm filing this complaint regarding the handling of my modification request, by LoanCare, in the hope that you will be able to assist me and get this request approved. 

I began the process of submitting paperwork almost two months ago and over the course of this time I have been instructed to resubmit duplicate documents repeatedly. I have submitted numerous months worth of bank statements, check stubs, and expense says over the course of the last month-and-a-half, only to be told on XX/XX/XXXX that my request for modification was denied. 

The reason for it being denied was that LoanCare claims I do not have enough Surplus income to support modifying the loan - this is incorrect, as I have over {$1000.00} in Surplus income. 

Not only this, but LoanCare claims that my home is not my primary residence. This is also Incorrect and, although I provided them with an explanation and documentation proving that it is my residence - that every homeowner has a PO box at the post office that they pick their mail up from - I still haven't been updated as to the status of my appeal. 

It's painfully clear that loan care has their own agenda, with regards to this modification request and I'm asking that you step in and demand that they'd give a proper, correct and thorough review.

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 2019-11-22 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
I have been disputing four seperate accounts with Early Warning Systems since XX/XX/2019. The accounts are XXXX XXXX  XXXX, XXXX & XXXX and XXXX XXXX. I have gotten told to resend the disputes individually by each account and resend and oh we didn ; t get that one dispute. I call and call and call and I get I don't and I don't care to look back in the past to see why we haven't initiated a dispute, or your just not understanding what is coming out of my mouth, or that we do things differently here and you have abide by what are requirements are. I have disputed these accounts as fraud. Sending over to Early Warning Systems are Notarized FTC Affidavit and police report which is supposed to be immediately blocking of the reported information and removal from my consumer report. No thats not what is happening. I am being told to wait 30-45 days until an investigation is completed and it will be and only be removed with the bank tells them too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
I have no recollection of this debt. I have tried to reason with this company several times but they have given me little to no options as far as settling and removing this from my credit report. They have threatened me with legal action and threatened to garnish my wages. They are a company with a questionable background and predatory tactics. I believe they are taking advantage of the fact that I am a XXXX veteran and are trying to take money from me.

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 2019-11-22 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: CA

Complaint narrative:
On XX/XX/2019, I submitted a full package to Equifax stating that I was a victim of Identity Fraud. At which time, I received a response dated XX/XX/2019 that the disputes were reviewed and the items have been removed from my report. XX/XX/2019 I received an alert from XXXX XXXX showing that the items had been placed back onto my credit report. At which time I contacted Equifax Customer Service and was told three different responses, 1 rep stated that the items will be removed and once deleted they do not get placed back onto the report. 2nd rep stated to wait for the reinvestigation that I did NOT authorize to be completed and call back. 3rd rep stated that they were informed by the creditors that the items belonged to me. All within a 3 week period of XX/XX/XXXX, through XX/XX/2019. I am requesting for Equifax to fix the errors of the items showing on my report as per the completed investigation dated on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief