vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XX/XX/XXXX Transunion charged my account {$.00}, XX/XX/XXXX Transunion charged my account {$1.00}, XX/XX/XXXX Transunion charged by account {$19.00}, XX/XX/XXXX Transunion charged my account {$.00}, XX/XX/XXXX Transunion charged my account {$1.00}, XX/XX/XXXX Transunion charged my account {$1.00} XX/XX/XXXX transunion charged my account {$.00}. 
All occurrences have happened even after calls made to my bank and to Transunion. My bank asked me to speak with the company about the issue so I did. After about an hour of being on hold and talking to 3 different people they said they would be cancelling my account that was not even created by myself in the first place. I'm at a loss, and have stopped checking my credit score because of these charges yet they are still being filed and I'm still being charged after I was told " My account '' that " I created '' would be destroyed. Yet since I called last and talked I've been getting charged more frequently. I have been looking for a new way to check my credit history since and am having a hard time trusting any of them.

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 2019-12-26 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:
My problem is with Equifax not wanting to remove a hard inquiry. On XX/XX/2019, I  received an alert from XXXX XXXX XXXX credit monitoring service ( Thanks god to them ) about an unauthorized hard inquiry from XXXX. I immediately froze my credit reports from all three agencies. filed FTC Identity fraud report and called XXXX on XX/XX/2019 and XX/XX/2019 who twice stated that they submitted retraction of the hard inquiry and gave me email confirmation of it. 

I have contacted Equifax over XXXX XX/XX/XXXX in a direct message to which they said they would get a " senior team member '' to contact me on XX/XX/XXXX. No one called me. I tried sending more direct messages which were willfully ignored. I filed an Equifax dispute about 23 times ( this will keep increasing until it go away ) to date to properly open an investigation to remove the unauthorized inquiry. 

XXXX declared the inquiry fraudulent and claimed they sent inquiry retractions and Equifax does not want to retract, so at this point I believe they are in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: IL

Complaint narrative:
In an attempt to improve my credit score, I am paying down and off all my credit cards. Discover is my oldest credit card with the largest available balance. I paid it off and haven't used it in about two years, but I had intended to keep it. WIthout a warning, I received an email from Discover on XX/XX/2019 saying my card was closed by them for lack of use. I called today XX/XX/2019 ( due to the holiday ) and spoke to XXXX at XXXX who said it is too late. I would have to reapply. I explained what I am trying to do and he said there was nothing he could do about it. I find this truly unfair as if they had warned me first, I would have used it. This is going to ding my credit score ... ..why is it that the people who attempt to improve their scores get punished? I am hoping you can help me to get that specific account reopened and I promise to use it if I must. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
This complaint is regarding Flagstar Bank. This is a continuous complaint from last year which I was resolved and they assured me that I wouldn't have this problem again. Per Flagstar they XXXX out my taxes and just put XXXX in the would be taxes area, to prevent further collection in the future. My taxes have been deferred on my mortgage since XXXX. It also shows deferred in their system as well. For the second year in a row, they have paid my deferred taxes resulting in a negative escrow balance for me. A negative escrow account means my payment will go up at least 100 %. My taxes are deferred because I am XXXX XXXX XXXX. Flagstar sent the most recent payment to XXXX County on XX/XX/XXXX. It's XX/XX/XXXX, I have been calling Flagstar to get this resolved, however even though they're opened today, they have the 24hr automated response on their phone systems so I can't get through to an actual customer service representative. 
Bellow is the initial complaint I filed with CFPB that Flagstar resolved by crediting my account and readjusting my payment. Only to have the same thing done again. 

I have a mortgage loan with Flagstar since XXXX. My taxes have been deferred due to my XXXX XXXX since XX/XX/XXXX-XX/XX/XXXX. Deferment means the county doesnt collect on my taxes however they still accrue but Im not required to pay them until I sell my home. In XX/XX/XXXX I received a new escrow analysis from Flagstar with my payment going from {$900.00} to {$1700.00}. I called Flagstar and told them that my taxes were deferred which was also reflected in their system. They said it would be corrected. As of XX/XX/XXXX they informed me that there was nothing that could be done about it. I explained to them that this wasnt my fault and it was a mistake on their part. Not only that, I set up an automatic payment for the {$900.00} because I was told my payment would still be the same. Today they withdrew the full {$1700.00} from my bank account. Now my account is negative and all pending payments sent for bills will be returned. Please help me. Im on a fixed income and can no longer afford my mortgage because of their mistake! 
Thanks for your help in resolving this matter

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 2019-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: OH

Complaint narrative:
This bill is regarding my XXXX XXXX XXXX done at a XXXX XXXX XXXX hospital in XX/XX/2017. The hospital bill was paid by the VA. This disputed bill is from the ER doctor who chose to bill me and not the VA timely. I am not responsible for this bill. AR Resources is the collection agency for XXXX XXXX XXXX XXXX. I have yet to ever receive a bill for this charge yet it appears on my credit report??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Have been making payments every month, mortgage company said they never received a payment when I definitely made a payment for XXXX. I feel the company is using deceitful tactics and intentionally hurting my credit. This needs to be looked into as I am a 100 % XXXX veteran and feel preyed upon

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
had problem with my credits history on my billing statement and had to make few calls to get it solved, and i believe my ID had been stole by someone as i found out there was another name on my account i have never use cause it is misspelled and i also found there had been applied for cards or loan. I don't recalled applications any of those on my records so i see now i am being caught who is using my id and trying to fix this. There was a struggling moment i had follow up with XXXX XXXX cause i feel someone is taking advise of me and my credits. So i did contact paypal to solve my billing and they contact the bank to filed complaining. there is lots more i see on my credit reports. 

Need someone to help me to clean this up cause it hurt me a great deal i struggled over the years to clean this mess i didn't do.

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 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I lost existing credit limits XX/XX/XXXX. Then applied for credit in XX/XX/XXXX and was denied both times Experian sent a XXXX  report to the creditors. I ordered a copy of the XXXX   report which had not existed on me until XX/XX/XXXX. The report says I have no credit and also list my checking account and Drivers license information as well as inquiries I never approved, I called them to get this information fixed and find out why it says no credit information and was told it was not their place to update the information how and they were an legitimate reporting agency. If they are then it is their responsibility to keep the information up to date. something needs to be done this company makes it impossible for people to improve their credit and if they gave it to an employer it would cost people jobs. It is bad enough for us to have to deal with the 3 Credit agencies when they do not update information with out them making up more of them. i can send a copy of both my Experian and this so called XXXX  report to show you the huge difference in the two of them.

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 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: AP

Complaint narrative:
XXXX used to provide Credit Monitoring through Experian. These services are no longer available and XXXX has said that Experian has resumed providing the services. I am not able to access Experian 's website. Using their password reset link does not send the e-mail as stated to the e-mail address they have on file. I have been unable to reach an actual human being at Experian when attempting XXXX, XXXX, XXXX, and XXXX. Each attempt is costing me several dollars as I am calling international from my overseas assignment in XXXX, XXXX. Experian continues to charge my XXXX account for {$12.00} monthly and is not providing the services paid for.

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 2019-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: CO

Complaint narrative:
I received services at a XXXX facility in XXXX  XXXX, CO on XX/XX/2019. After applying for XXXX XXXX with XXXX, all of my costs were covered 100 %. I have the acceptance letter from XXXX showing a 100 % XXXX XXXX approval, as well as an email directly from the supervisor of the XXXX XXXX XXXX department showing that all debts related to this visit have been covered by XXXX XXXX and should be removed with no effect to my credit score. These documents will be attached for your convenience. 

Despite being notified of this, Americollect is still reporting a balance due of {$270.00}. This balance is incorrect and not owed whatsoever. I insist that this record is removed from all reporting agencies immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: MA

Complaint narrative:
I received an email this morning stating that I was now enrolled in direct debit by AES to repay my student loan. Someone at AES broke the law as I never agreed to a repayment plan in the amount listed, I never signed any repayment agreement for the amount listed, I never consented to be enrolled in direct debit. Someone at AES committed a crime by using my bank information to take money out and direct the funds to AES. I have contacted the FBI to investigate and prosecute whomever conducted this illegal activity and authorized the illegal activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
My Regions credit card and debit card ( along with several other credit cards ) were stolen on XX/XX/2019. A transaction was made almost immediately to the thief 's XXXX account ( XXXX ) for {$1200.00} and {$2000.00} ( and {$300.00} from my Regions debit card ). I reported the cards stolen within 2 hours ( honestly I think it was under an hour ) to Regions Bank over their 800 number ( and to the local police department - XXXX Police Department case # XXXX ). 

On XX/XX/2019 Regions charged me a late fee of {$27.00} and then on XX/XX/2019 I was charged a {$38.00} interest charge. When viewing my card balance online the card balance shows as {$0.00} with a minimum payment of {$0.00}. I keep a close eye on my accounts, especially after my wallet was stolen, so I had no reason to think there was anything wrong with the account. I have attached a print screen showing what I see when I view this account online. 

This morning ( just after XXXX ) I spoke with XXXX at Regions credit card line and was told reporting the credit card stolen wasn't enough, I also needed to file a claim to not be responsible for these fraudulent charges. When reporting, the card stolen I absolutely confirmed those charges were fraudulent. XXXX informed me I am responsible for the interest charge, late fee, and balance of the fraudulent charges. I asked her to officially contest those charges, but she has informed me in the meantime I am still responsible for those charges. XXXX also informed me that it could take 30 days ( or more ) to resolve the issue. I tried calling before XXXX, but was disconnected after holding for 15-20 minutes ( this happened several times ).

I had to file a complaint with CFPB ( complaint ID # XXXX-XXXX  ) to get the charge to my debit card reversed, which Regions did and I am grateful for this action. However once again as a matter of policy they do not limit user 's liabilities to {$50.00}, which is the law per the Electronic Fund Transfer Act ( EFTA ) or Fair Credit Billing Act ( FCBA ). If I'm not understanding the law correctly, please let me know ( but every source I've seen says I'm right ). 

In the next step I'm asked to identify the card number for the complaint, but I only have the replacement card number which I will provide.

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 2019-12-26 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/2019 i fill a lost card and unauthorized transaction / on XX/XX/2019 i was advise to stop my direct deposit due to to the unauthorized transaction/ Mr XXXX representative advise that he would send out another cc / I did recieve that / call back on XX/XX/2019 to get updates and my claim was denied / fill a appeal that same day XXXX a week later no respond fil a complaint with still no respond / fill another claim XXXX XXXX 2019 XX/XX/2019 and out of all the claim i recieve one letter pertaining to the first claim that i was denied, and that came for the first iniall claim, and still fighting to get my account correct, the total of fraud charge XXXX they gave me XXXX which took it down to XXXX now this is bad they keep on staying they want a copy of my work hours and a police report which i think that is private. i never had to go threw this with any bank, this is bad and not a safe bank for anyone if they cant secure your money but want to give you XXXX like your the crimnal. now ive file 6 fraud claim and only recieve one letter  pertain to the first and everyone else collection calls which iam not paying a thing i didnt do it so iam not paying. but this needs to be handle its beeing a month now going on two months and no calls or responds to nothing.

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 2019-12-26 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: OH

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX   XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX  OR XXXX, ALTHOUGH EQUIFAX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: CITIBANK, N.A.
State: IN

Complaint narrative:
I have had a credit card XXXX with Citi ( originally AT & T ) for many years. I always pay with automatic payments. Recenltly I changed banks for payment services. I entered the new bank name, routing number, and account number into the Citi site on a timely basis. However, I received a penalty of {$28.00} for, supposedly not paying the card. I checked the website again, and everything was in order. There was no indication Citi had the wrong bank information. Nevertheless there was a penalty. I contacted Customer Service. After extended discussion, I was told it was a " computer glitch '' on their end and they corrected it and appologized. I was assured the {$28.00} penalty would be removed. 

XXXX : It just seems to be technical glitch, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX You : yes it does XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX : We have taken care of this for you. 
XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX You : So I am current now? 
XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX : Yes XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX You : No penalties or changes in my interest rate? 
XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX : Not at all However, the {$28.00} fee was not removed. I contacted City again, and City was simply not responsive at all. No one responded to my questions. I gave up and tabled the matter for a few weeks. 

Today ( XX/XX/2019 ) I received an email claiming my latest payment was not made. I contacted Customer service and messaged " XXXX '', and she said my automatic payment was cancelled. No explanation. I am certain I did not cancel it. On the contrary, as explained above, last month I spent inordinate time making sure the auto-pay was working. Citi is behaving irresponsibly with my account. XXXX offered no help with the problem and refused to transfer me to a supervisor. I gave up, called XXXX and spoke to XXXX XXXX, who offered no explanation. However, XXXX XXXX acknowledged that I had set up automatic payment, but It was later cancelled by the bank with no reason given. XXXX XXXX assured me that the payment would now be processed, that auto-pay is reinstated, and there is no penalty. Naturally I am skeptical.

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 2019-12-26 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: OH

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX  OR TRANSUNION, ALTHOUGH XXXX   HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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