vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 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:
On XX/XX/XXXX, I mailed a settlement letter to XXXX XXXX, offering a one time payment of {$100.00} to settle the balanced owed and remove the account from my credit report. However, I received a letter in the mail from XXXX 's stating " They are unable to remove the derogatory history from my credit file because the account information is correct ... '', when I did not request to dispute the account but rather to settle in exchange for the removal of this account from my report. This is completely unacceptable and I feel as though I am not being taken seriously. I have also been in contact with the three credit bureaus ( Experian, XXXX, and XXXX  ) since XXXX, XXXX in order to get this item removed from my account history. No bureau has honored my requests, and I would like to file this complaint against all three credit bureaus for the XXXX account history. 

Additionally, today ( XX/XX/XXXX ) marks 7 years since the closing of an account with XXXX. The closing date was XX/XX/XXXX, and this is past the statutes of limitations. This account needs to be deleted from my credit report for all three credit bureaus. TransUnion has honored my request, and therefore I will need to file a complaint against Experian and XXXX  for not honoring this. 

Thank you for your time, I look forward to a hasty reply.

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 2020-06-02 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: VA

Complaint narrative:
The following accounts have been opened in my name due to someone stealing my identity. Please remove them off my report. 
- XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Telerecovery Corporation
State: TX

Complaint narrative:
TeleRecovery of Louisiana was showing on my credit report. I called to inquire about the collection reporting. The representative that answered the phone was very rude to me. I filed a complaint with the Office of the Attorney General of Louisiana. The Attorney General Office took my complaint against the agency. They submitted my complaint to the company, Telercovery of Lousiana. A representative, named XXXX, worked with me to resolved the issue in a professional and ethical manner. However, the company representative was not professional and used an abrasive tone with me when I first made contact to inquire about the debt. However, I paid the debt, and it was removed from my credit file. The general manager, XXXX XXXX XXXX did not reach out to me to obtain my side of the story. She assumed that I did not make sense as she sided with the inexperience representative. She tried to portray me as argumentive in her response. Her response had a lot of grammatical errors that portrays her as unintelligible in her written response to XXXX XXXX XXXX. The company never sent me an itemized bill for debt verification to retain for my personal records. The company did not have the correct address but did have my phone number on file. This was an attempt to collect an old debt, due to COVID-19, which has past the statute of limitations for debt collection. XXXX XXXX XXXX XXXX should be knowledgable about the time frame a debt can be collected. I do think that she and the unnamed representative are unprofessional and lack professional etiquette for effective customer service.

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 2020-06-02 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 have been a victim of identity theft

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 2020-06-02 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: CA

Complaint narrative:
I have been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX easter standard time I redeemed my reward points of {$160.00} to apply to my Synchrony Bank credit balance by my Paypal account. I received an error message that they had encountered a problem and my request could not be completed. That morning I went back to proceed again with redeeming my cashback rewards and all that was showing was {$.00} in my account. I have contacted Synchrony Bank by messaging on their account, by XXXX and have made 5 calls ( 4 to the customer service reps and one to a supervisor ). I get conflicting stories as to what happened to my {$160.00} cash rewards due to me. One said I would have it in one day, another said 3 days, was told 2 months, and finally the superior said it maybe be 1 to 2 billing cycles. No one can tell me what HAPPENED to my cashback only that an investigation had been initiated. They said they CAN NOT see my actual account and to call Paypal. When I called Paypal I was told that they can not do anything about it and I need to contact Synchrony Bank. I keep getting the run around from Synchrony Bank as they definitely do not want to help me at all. I asked them can they not just add my {$160.00} in cash rewards back to my balance and was told NO that they can not see my rewards. Why not as they are the ones who issue the rewards to my account for each purchase I make? I am an elderly person and can not take this undue stress as it has already affected my health to have to deal with this issue. All I am asking for is the cash rewards that I faithfully earned by using their credit card for all my purchases. Every time I have contacted them it is a different story and they are totally scamming me by keeping my rewards. Please help me as I depend on the rewards to pay my credit card bill. I am on a low fixed income and have many health problems.

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 2020-06-02 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: MN

Complaint narrative:
Forbearance was approved from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX accounts ending in # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and # XXXX are closed as of XX/XX/XXXX and were approved for forbearance from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. 
Forbearance is not reflected in some of the closed servicing accounts and some of the open service accounts should be closed. 


Company 's Response We have reviewed your complaint along with the information you previously provided regarding this issue. After reviewing the activity on your file, along with the information in our data base, we have updated the XXXX XXXX accounts ending in # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and # XXXX. These items are now currently reflecting the payments from XX/XX/XXXX through XX/XX/XXXX as in forbearance. An email has been sent to you informing you that you may view the results of this investigation online. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX   XXXX XXXX ET. For more information please visit our Frequently Asked Questions page at 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 non-monetary relief
Consumer complaint received 2020-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My mortgage is held by Bank of America. My payment has always been {$1800.00} per month. In the month of XX/XX/2020 my payment increased by {$300.00} per month. 

I called, emailed and sent a written letter to Bank of America. 

I explained that my property taxes are {$4400.00} per year and my insurance is {$1200.00} per year for a total of {$5600.00} per year. The monthly escrow amount was {$460.00} per month which is enough to cover the yearly taxes and insurance. 

On XX/XX/2020 the monthly escrow increased to {$780.00} per month or over {$9000.00} per year. Thats {$4000.00} more per year than what is needed to pay my taxes and insurance. 

I spoke to a manager XXXX and explained there is a mistake made. According to this manager a computer determined my account will be {$1200.00} short in XX/XX/2020. In other words my escrow account will have XXXX dollars in XX/XX/2020. 

Bank of America has been taking {$460.00} out every month. Where did that money go? Whatever computer they used, someone put the wrong set of data in to get an accurate calculation of the Actual Needed Escrow Amount. There is a computer glitch somewhere and according to the manager XXXX Bank of America Will NOT Correct Their Error. 

Its simple math. If taxes and insurance equals {$5600.00} per year thats no more than {$500.00} per month. They should NOT be taking out another {$300.00} per month. 

Why did the computer not catch this last year or the year before? My monthly escrow was the same last year. My property taxes are the same as last year. My insurance went up a little, but Not {$300.00} per month. 

Theres something Wrong Somewhere and Bank of America is trying to sweep something under the rug. 

Ive had this mortgage for years. Every time they make an adjustment to my escrow they provide written details as to why. Now Im being told a computer projected my balance at XXXX in XXXX with no other details to account for how and where they spent the Escrow money. How many other millions of customers has a Computer made this mistake with????

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 2020-06-02 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: VA

Complaint narrative:
The following accounts have been opened in my name due to someone stealing my identity. Please remove them off my report. 
- XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: VA

Complaint narrative:
The following accounts have been opened in my name due to someone stealing my identity. Please remove them off my report. 
- XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
SunTrust ( Truist ) closed my business account ( XXXX XXXX XXXX XXXX ) back in XXXX of 2020. I deposited a check for {$500.00} for services rendered. The check cleared the XXXX XXXX account from which is was drawn on. Suntrust Bank has been extremely difficult and refuses to get me the funds I deposited into the business bank account. Over 60 days have passed and I still haven't received my legitimate funds that were deposited. 
XXXX XXXX account name : XXXX XXXX Check Written to : Set them free foundation ( Suntrust Account ) Check Amount : {$500.00}

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 2020-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I recent attempted to do a refinance with my current mortgage company ( Freedom Mortgage ). The process was initiated towards the end of XXXX, I was put in contact with a loan officer by the name of XXXX XXXX. After speaking with him he sent me all the documents he needed me to sign ( via XXXX ). After all documents were received, he proceeded to explain to me that it would not be necessary for me to send my upcoming payment ( which was XXXX ) because I was going to be in the refinance stage. XXXX clearly stated that in fact I would skip 2 months so there was nothing for me to worry about. Around the 3rd week of XXXX I started getting phone calls from Freedom Mortgage asking where my payment was, I explained that I was in the refinance process. The 3 times that they called me they said " ok we will note it on your account '' and I thought that was that. Then the letters started pouring in to informing me that my account was now 30 days past due and that they had reported me to the credit bureaus. 

I have confronted XXXX with the matter however he continues to minimize or deny he ever told me to not send my payments. I have been made aware that Freedom Mortgage records all conversations so I would like the matter to investigated. I would like Freedom Mortgage to retract what they have submitted. My credit score is something I take very seriously and do everything to ensure it remains in good standing. I just found out today XXXX XX/XX/20 XXXX that my FICO score has gone from XXXX to XXXX. I am beyond infuriated to say the least, THIS IS AN OUTRAGE!!!!! I like most, rely on my credit ; what Freedom Mortgage has done is unacceptable and must be dealt with. 

Last but not least my payment history speaks for itself, if there are any doubts of what has really happened here simply look at my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Td babk is saying Im having account abuse which is incorrect they are hurting me to get credit and grow my livelihood and banking

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: OH

Complaint narrative:
First Investors Servicing will not work with me on payment extension, lowered payments, deferment. I informed them I was fired due to Covid 19 awaiting unemployment claim approval and unable to make my payments. Rep assured me f I called back in XXXX I would either qualify for an extension or 3 months reduced payments when I called XXXX. XXXX arrived when I called they said those programs were discontinued. I had to borrow money from my retired mother to make a payment as they keep calling emailing and harassing

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 2020-06-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I wrote a letter to Experian credit bureau regarding a bankruptcy showing on my credit report. They stated that the bankruptcy court reported this to them and I also submitted a second letter with the letter from the bankruptcy court and Pacer and both letters stated that they do not report to credit bureaus nor do they report to determine credit worthiness. The letter from both stated that I should contact the CFPB. 
Experian sent me a letter and stated that a consumer reporting agency verified the bankruptcy. They would not give me the name of the consumer reporting agency or the person/company that the consumer reporting agency received their information. 
I have tried to dispute this with Experian via telephone and in writing and they keep giving me the same answers. 
I am asking you to intervene so that this can be removed from my credit report. It is hurting my credit. 
Thank you so much for your help in this matter ... it is really appreciated!

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 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I sent out a Dispute Letter about these inquires which ill be attaching i have also received a letter telling me basically that trans union wont remove these unverified inquires off of my credit

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 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was trying to take money from chase ATM XXXX XXXX XXXX XXXX NY, AT M chase Morgan never give me cash and they deducted {$500.00} from my card plus fees, I attempted to calling them same night 7 times and the customer service was unable to get to help me. Im stressed and discussed with this, please help me, XXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
NAVY FEDERAL OPENED A FRAUDULENT CREDIT CARD FOR SOMEONE WHO STOLE MY IDENTITY IN MY NAME AND PLACED IT ON MY CREDIT REPORT, AFTER SENDING DOUCUMENTATION TO THE CREDIT BUREAUS, THE CREDIT CARD WAS REMOVED, BUT NOW NAVY FEDERAL CREDIT UNION, HAS RE INSERTED THE CREDIT CARD ONTO MY CREDIT REPORT AND WILL NOT REMOVE IT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
There is an account showing on my Experian report as an open collection account. This is an error on the part of Experian. I have contacted the original credit issuing company, XXXX, as well as the listed agency on Experian, XXXX XXXX XXXX  ( acct # XXXX ) and they confirm this issue is on the part of Experian. 

Neither XXXX  nor XXXX  show that I have any collection accounts on my report, as is verified through Experians own app. Only Experian says I have a collection account on my report. This is an error, I have nothing in collection, every account to my name is current and in good standing. 

As a result of this error my credit score through Experian is far lower than my score through the other two credit reporting agencies, and this has resulted in my being denied services for the purposes of refinancing my mortgage. I request that Experian please correct this issue by removing this item from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: KY

Complaint narrative:
Please see the attached imaces i have attached as proof. Please ask Telechek to get my information correct before i file fraud charges against them. I have asked them 4 times allready. The info is as follows : Business account name : XXXX XXXX XXXX XXXX account address : XXXX XXXX XXXX XXXX, KY XXXX Business phone number : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation