vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
~As an astute business person I keep daily tabs on finances, credit monitoring, account balances of anywhere we use money. 


~We pay extra on our mortgage each month to see balances decrease, aggressively paying down any debt. Well, I didnt expect to see this though from Equifax. 


~On XX/XX/2020 I noticed all of our accounts paid to zero, {$0.00}, across the board at Equifax XXXX 
XXXX and XXXX were not affected. 


~My open accounts regarding Equifax credit report, alarming to say the least. 
XXXX XXXX XXXX XXXX showed {$0.00} owing ... in good standing XXXX showed {$0.00} owing ... in good standing XXXX   showed {$0.00} owing ... in good standing XXXX XXXX XXXX showed {$0.00} owing ... in good standing. 

~Note : XXXX receives an additional {$1000.00} each month to reduce the term from 30y to 10y Mortgage. 


~I first called check my phone applications to see what each institution were reporting back to me. Then verified by calling each lender. 
XXXX XXXX XXXX XXXX showed me about $ XXXX owing and on auto withdrawal XXXX showed about {$19.00}, XXXX and on time on auto withdrawal XXXX showed $ XXXX and on time on auto withdrawal XXXX XXXX XXXX  showed $ XXXX and on time on auto withdrawal. 


~I then spoke to an Equifax customer service employee who told me that is what the lender reported to them was XXXX. She suggested that I call the lenders and suggested if they could repost my balances. She said it might be worth a try to get the correct information reissued but all accounts were showing paid. My credit score with Equifax actually dropped. This concerned me as I like to understand why there is a 15-20 point swing. 

~It was suggested I open up inquiries for the four accounts with erroneous info. Investigations were conducted at each lender. Following the balances being sent to Equifax the score bounced back up. A change happened negatively when XXXX XXXX made a remark about the credit inquiry I made, both Equifax and XXXX  lowered my score 9 and 11 points respectively. This is frustrating as this was because of an error made by Equifax. My scores with stellar credit should be affected by their errors. I have enjoyed XXXX credit scores before this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Mediation Service
State: NM

Complaint narrative:
I was called by XXXX XXXX  XX/XX/2020 from southwest mediation service, stating that i'm directly involved in a potential civil suit for delinquent payments to XXXX   XXXX XXXX XXXX XXXX. He said that i was being sued for {$2100.00} and they would settle for {$790.00}, and if i paid them today and emailed me a document to sign he had my social and my old address, and said that if we didnt settle this today it would be taken to court. It scared me, so i signed the document and tried to pay the amount. My bank stopped the charges because they said it was a fraudulent charges and after i saw that i started researching online, and found out there was a bunch of people who had been through he same thing with this same company and person. I recieved another phone call by the same person on XX/XX/2020. On XX/XX/2020 a XXXX XXXXXXXX XXXX   calls me from the same company stating this is not a scam and i needed to pay this or it will be taken to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My issues is with simple bbva online bank and my external account was from XXXX mother bank is XXXX  XXXX XXXX XXXX XXXX, I had opened a checking account with my prepaid account funds and they don't have regular bank statements they have statements with the debit card numbers on it and they don't provide regular bank statement with the checking account numbers on them that they found was extremely transferred from I can't prove that the account is mine because they want that exact verification I'm also having trouble communicating with the bank because they won't answer me anymore when it comes to my account issues and I have, its actually more then that cause when I had opened the account they had my debit card shipped to my old address which I was in process of moving I thought I would be able to get my debit card so I had it sent there well I didnt get it and so I called and they couldnt help me so I had added another banking account I have onto my simple account the one I am having issues with well as soon as I did that they locked my account and told me that the reason the account got locked was because of the external account and I needed to send verification of it in well I did, because the first one I cant get a statement to and until I added the second account they didnt have my account locked, well they went back on their word and asked for the prepaid card account statement which I can not get I am having trouble they wont even close my account and send my fund to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
NewRez, Shellpoint Mortgage Servicing paid XXXX County Tax Commissioner for XXXX for property located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The payment was made in error because, as the new owner at XX/XX/XXXX, XXXX County created an updated bill with extended due dates. I have attached the tax history. 
Because NewRez mistakenly made this payment they put my principal and interest loan into escrow. They also increased my p & I loan of {$1300.00} to {$1900.00} now including XX/XX/XXXX of the previous homeowners property bill. 
My actual bill is based on homestead, and is {$1000.00} less than what NewRez calculated. 
With that said, I have already paid my XXXX taxes first installment of 2 to the tax Commissioner in the amount of {$1800.00} on XX/XX/XXXX. 
NewRez has been putting my monthly payment in a suspense account, which shows me as delinquent. They won't take me out of escrow because they've created a delinquency on my loan. I have always paid early. 
Now NewRez has placed me in loss mitigation until I pay back escrow of {$3000.00}. 
I have talked to customer service folks, loss mitigation, and the escrow departments since XX/XX/XXXX, to get my payment back to p & I of {$1300.00} as it should be since closing on this loan back on XX/XX/XXXX. 
I can not pay the higher escrow payment for property taxes since I've paid my taxes on time as the attachment will show. 
I hope you will assist me in this problem. 

XXXX, XXXX and XXXX 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 2020-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
A balance of XXXX was placed on my credit report by a company named Transworld System Inc/XXXX  I never heard of this company and never had a contract with this company. 


This false information need to be deleted ASAP from my credit report. NO CONTRACT with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Fleet Financial, Inc.
State: MS

Complaint narrative:
I received a email from iLendingDIRECT stating they had pulled a credit report on me, did a hard inquiry and denied me for an auto refi. The problem is I never applied to them for a loan, never wanted a loan, and never gave them permission to consider me for a loan or pull my credit report. I have never had any dealings with them, never contacted them and certainly never asked them for a loan. They did call me wanting to give me a loan and I told them under no circumstances was I interested and to not contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was contacted by XXXX in XXXX about my home mortgage with them. They stated they could provide a forbearance for my mortgage. I told them I did not want a forbearance if it was going to affect my credit in any way. They assured me that it would not, and that the forbearance would help with the cash flows issue on my rental property. At the end of the 3 month forbearance term, XXXX  called again and asked if I would like to apply for a " Partial Claim '' or " Deferment '' which would place the amount owed to the end of the loan. Again, I stated this would be nice, but if it affected my credit in any way I would rather just pay the lump sum owed since I now had tenants renting out the front portion of my house. XXXX  again assured me nothing would happen to my credit. 

The next month I was hit with a 120-day late payment on my credit report which dropped my score by 149 points. I called XXXX to ask what happened and they admitted that this should not have happened on several recorded phone calls. I asked that it immediately by removed because I had said throughout the process I did not want to make any modifications to my loan if it would affect my credit score. I offered multiple times to bring the account current, but was told to use the forbearance and deferment plans as they would not affect my credit worthiness. 

I called XXXX over 25 times over the next 14 days attempting to get this resolved. I was given three different time slots where a " supervisor '' would call me back within 48 hours. Not once did a supervisor call me. An agent them told me " there are notes in the system to correct the credit reporting on XX/XX/XXXX, as we only report once a month to the bureaus. '' On XX/XX/XXXX, the derogatory account was NOT removed as promised and still sits on my credit report making me ineligible for any loans. The bank was told the house was being sold, so I did not need any further financing options as the loan would be paid in full soon. The house has since sold and yet my credit report shows me being late on payments for a house I no longer own! 

I flip houses for a living and require loans to be able to operate my business. I told XXXX  this repeatedly on several occasions during the 25 phone calls I placed. I still have not been called by a supervisor or manager, and the incorrect credit reporting remains on my report across all three bureaus. I am beyond angry at this point. Any and all reviews of XXXX are 1 star with nothing but problems. I do not understand how this mortgage company is allowed to be in operation in the US. I expect this issue to be resolved ASAP or I will have no choice but to escalate with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I purchased something on my debit card totaling {$850.00} XXXX XXXX XXXX XXXX on are about XX/XX/20. The merchant failed to deliver the goods or the service. I contacted pnc on XXXX to dispute the transaction. They have failed to act or do anything to resolve this issue. 

The case number PNC provided is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I ordered a emergency wire transfer this morning at XXXX XXXX  and it never went through. It is now XXXX. The customer service agent is not doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: TX

Complaint narrative:
USAA uses creative accounting to maximize collection of NSF fees. USAA ALWAYS debits your account and gives debits priority over credits or deposits. If an account holder deposits money to cover a check written on the same day, USAA will hold the deposit as long as possible but submit a check as quickly as possible. Automatic deposits as well are never credited before XXXX whereas debits are removed from the account continually after midnight again maximizing USAA 's opportunities to circumvent the law and collect as many NSF fees as possible. In another troubling development, USAA in my case during the past week changed a credit card charge to what they refer to as an ACH in order to collect not one but two NSF fees on my account. It is troubling to me that USAA is taking credit card and or debit card transactions and reclassifying them as check transactions in order to collect NSF fees.

This practice is especially troubling in light of the COVID taxpayer money USAA is receiving from the Federal Government via taxpayers in a Federal attempt to minimize or prevent predatory practices such as this. I have asked USAA to credit my account {$58.00} for the illegal charges they have imposed on me, and they flatly refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
US DEPARTMENT OF EDU XXXX XXXX XXXX DEPARTMENT OF EDU | XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX 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 2020-09-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. *XXXX, XX/XX/2020. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
I was called by receivables performance network to settle a debt and after coming to an agreement I paid what was owed. Since then ( About a week later ) Ive still been getting calls from this company in request to pay the bill, after I give them the requested information they see the bill was already paid and say it was a mistake, but they keep calling. Ive already requested them to stop calling. But I keep receiving calls when Im at work, when Im in class  and at this point I feel harassed. I have XXXX  and XXXX issues and this is very XXXX  distressing. Today I spoke to a call rep by the name of XXXX who laughed when I requested to be escalated to manager XXXX who although she said she would do something about this also basically brushed off my concern.

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 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: MI

Complaint narrative:
On XX/XX/XXXX I contacted Americollect via Certified Mail about validating a debt that is on my credit report in the amount of XXXX $ opened on XXXX XXXX, XXXX. I have asked the company to please send me verification of this debt and they have failed to do so. I feel as if the company can not verify that it is my actual debt and I am asking that it be removed from all 3 Credit Bureaus, or for the company to send me proper verification as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
I was having some financial difficulty in the summer and fall of 2019 due to some natural disaster issues with my crop and property, tariff wars, etc ... Insurance covered the losses, but it was taking time. When I spoke to my student loan servicer about late payment they explained that late payment was not going affect my score. When I checked my credit report, two late payments are showing. i called the company to explain the urgency of a refinance and they said there was nothing they could do. I tried to talk to their credit department, but was told they don't accept calls. I asked to speak to management, waited on hold for quite some time, until I was told a manager would return my call, but I never received a return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I have attempted multiple times to dispute a fraudulent unsecured loan/account, in the reported amount of {$6500.00} ( please be advised that the reported amount may change or vary from creditor ). I am the victim of identity theft and did not make this charge from USAA Federal Savings. I have requested that the charge be corrected and removed from my file, and blocked in its entirety from being reported on my credit file, following consumer rights from The Fair Credit Reporting Act ( FCRA ) and in conjunction with providing a valid copy of my FTC Identity Theft Report and Police Report. In the month of XX/XX/2019, a debit/bank account was opened with USAA followed by an unsecured loan that was taken out using my information. I had no prior accounts with USAA. I was not made aware of this action until XX/XX/2019 when I reviewed my credit report. Immediately I contacted USAA, in order to dispute this action. USAA did not notify me of the account via email or telephone. There was no way for me to know about this account unless I reviewed my credit report. At the time of the loan being taken out, address information was not correct that was on file with USAA. I updated address information with the post office immediately after moving so any information should have been forwarded. Im unsure if USAA even mailed anything out pertaining to the account being opened. After the incident, I notified the major credit bureaus, in order to place fraud alerts and credit freezes on my report, as well as contacted the FTC to report the identity theft. Following this, I contacted the police department to file a police report of the incident. 
I provided USAA with a copy of the FTC Identity Theft Report and the Police Report supporting my position and asked them to Please investigate this matter and correct the fraudulent charge as soon as possible. I have sent our various documentation and statements regarding this fraudulent charge, as well as disputes made and requested a response from USAA in writing, but they have failed to contact me. It has been over a year and USAA continues to report the fraudulent account to the major credit agencies and refuses acknowledge the account as fraud, despite the multiple disputes from myself and the credit agencies, as well as the valid documentation provided. I have been contacted by three different collection agencies regarding paying this loan and each time I provide a copy of my police report. A detective working on my case has also reach out to USAA, who have been difficult in communicating with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. It has been since XX/XX/2020 I sent certified disputes in mail off & I still havent heard from the 3 credit bureaus & Im tired of waiting. I need results NOW!! COVID-19 should not give these people the power to not follow the FRCA!! This is a Violation that needs to be handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX & Experian. It has been since XX/XX/2020 I sent certified disputes in mail off & I still havent heard from the 3 credit bureaus & Im tired of waiting. I need results NOW!! COVID-19 should not give these people the power to not follow the FRCA!! This is a Violation that needs to be handled.

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