vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-19 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: CT

Complaint narrative:
Filed for an income-driven repayment plan in XX/XX/XXXX. XXXX stated that I needed XXXX 's tax returns to complete my application for income verification. Prior year 's tax returns were not an option when filling out the application. They provided other options such as a pay-stubs, certified statement from employer, or proof of self-employment. I'm self-employed so any required forms from an employer are non-applicable. 

In XXXX I filed an extension for my income taxes which meant I wouldn't be filing until XXXX. I received an email on XX/XX/XXXX, stating they were unable to process the income drive request form due to a lack of income verification I called and notified XXXX  that I wouldn't be filing until XX/XX/XXXX. They said they would accept XXXX 's tax return. I submitted the tax return and my income-driven repayment plan was accepted. The monthly payment was modified to {$0.00} retroactive of XX/XX/XXXX. I was notified via email by the credit bureau that I received seventeen 90-day late delinquency accounts posted by XXXX in XXXX of XXXX. 

In XXXX, I called XXXX to remedy the situation. XXXX refused to remove the delinquencies from my credit report stating the items were reported accurately at the time. I informed them when submitting the application, there was only a field for XXXX 's taxes which I didn't have. It was the only thing missing from my application. The email sent on XX/XX/XXXX did list XXXX 's tax return as a method of income verification. It was not an option until I spoke to a representative.

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 2020-03-19 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 tried to refinance my home loan today XX/XX/20 and I was unable to do so because there is an account from XXXX XXXX and a few inquiries reflecting poorly on my credit history. This account and inquiries do not belong to me ; I did not open that account or make those inquiries and I did not allow anyone else to open that account or make those inquiries in my name. I do not have a written/verbal contract with any of those companies and I never allowed them to access my credit. I did not benefit anything at all from these inquiries/account and I never made any purchases or payments towards this account. I have filed this report to the best of my knowledge ; I also filed a police report and a complaint with the CFPB regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My mother died 5 years ago. One year before that she signed the deed over my to name. When she died I contacted Bank of America 's legal department and they sent me a whole bunch of papers that I had filled out notarized and signed back to them. I called now because Governor XXXX put into effect that mortgage payments can be waived for 90 days. Since I am not working because the school I work at is closed due to the virus and I am not being paid, I called Bank of America to try to find out how the 90 day waiver worked. I am being told that I can not speak to anybody unless I get a court order saying that the house is mine. I have been paying this mortgage for 5 years my name is listed all over the contact information I am the daughter of the person that owned it, I have lived in this house since I was XXXX  and sent them all the paperwork you needed. Now in the time of state of emergency you're telling me I need to go to court to get a court-approved document saying I own the house when I already have a deed, to speak to somebody. They are asking for me to obtain a document from a court saying I can talk to them when all the courts are closed because of this virus. They already have all the paperwork in their possession. I am the last of my family I have no other family living. She did have a will and everything was left to me since I was the sole survivor or heir however you want to put that. I have given this information to them before and they have told me the information I needed when I called and now all of a sudden during state of emergency they're telling me I need to go to court to get a document saying the property is mine when I have a deed saying it is. This does not have to go through probate court because there is nothing to probate and they will not understand this. The property is listed as an estate on their Bank documents how would they know to listed it as that unless they got all the information 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 non-monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: KS

Complaint narrative:
Due to the Carona Virus my husband 's XXXX  is closed. I called our Mortgage company, TMS, and spoke with a supervisor today, XX/XX/XXXX. I made her aware of our financial problems. She said her company does not have anything in place right now to help homeowners. I sent an email to the company on XX/XX/XXXX with no reply. The Governor of KS, the state we live in has passed a law that mortgage lenders are landlords can not foreclose or evict for the next 90 days. I have already paid XXXX but will not be able to pay XXXX and am unsure of being able to pay in the foreseeable future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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 tried to refinance my home loan today XX/XX/20 and I was unable to do so because there is an account from XXXX XXXX and a few inquiries reflecting poorly on my credit history. This account and inquiries do not belong to me ; I did not open that account or make those inquiries and I did not allow anyone else to open that account or make those inquiries in my name. I do not have a written/verbal contract with any of those companies and I never allowed them to access my credit. I did not benefit anything at all from these inquiries/account and I never made any purchases or payments towards this account. I have filed this report to the best of my knowledge ; I also filed a police report and a complaint with the CFPB regarding 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 2020-03-19 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: CA

Complaint narrative:
I tried to refinance my home loan today XX/XX/20 and I was unable to do so because there is an account from XXXX XXXX and a few inquiries reflecting poorly on my credit history. This account and inquiries do not belong to me ; I did not open that account or make those inquiries and I did not allow anyone else to open that account or make those inquiries in my name. I do not have a written/verbal contract with any of those companies and I never allowed them to access my credit. I did not benefit anything at all from these inquiries/account and I never made any purchases or payments towards this account. I have filed this report to the best of my knowledge ; I also filed a police report and a complaint with the CFPB regarding 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 non-monetary relief
Consumer complaint received 2020-03-19 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: Eagle Accounts Group, Inc.
State: NY

Complaint narrative:
I checked my credit monitoring services and i noticed some unfamiliar accounts that I believe to be fraudulent on my profile. I would like these account removed as soon as possible.

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 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: MN

Complaint narrative:
I opened a business credit card with US Bank on XX/XX/XXXX where the terms were that if a spending threshold of {$4500.00} was met within the first 150 days, a bonus would be given valued at {$500.00}. 

Having tracked my spending with the tool provided by US Bank ( Spend Analyzer tool ), I believed that i had met the spending threshold on the credit card before the expiry date. After some time, I inquired with US Bank as to when I might expect the bonus credit to be applied to my account and I was told that I had not met the spending requirements. 

I told them that according to their own online tool ( Spend Analyzer ), I had surpassed the {$4500.00} spend requirement. After looking into it, they told me that there were some credits applied to my account that thus didnt count towards the spend requirement, even though these credits are in no way reflected in the spend analyzer tool. So in theory, one could spend {$10000.00} in purchases on the card, and let 's say you returned {$9000.00} worth of the merchandise due to a defect. Well, in their own tool, that {$9000.00} would be unaccounted ( there is no mention anywhere that refunds/credits are not captured in the tool ) and the 'analysis ' of your spending would show that you spent {$10000.00} on the card. 

I told US Bank that I thought this was misleading since they advertise this tool as an accurate accounting of transactions on the card, and was basically dismissed. I then told them that I would be filing a CFPB complaint against them and was told the matter would be referred to the president 's office and I would receive a response within 15 days. That was on XX/XX/XXXX and to date, I have not received a follow up response.

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 2020-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Business Factors
State: CA

Complaint narrative:
I submit a debt validation request dated Monday, XX/XX/2020 and did not receive a letter back from NBF until XX/XX/2020. In the letter it only states they spoke to their client and their client is not a contracted provider with my insurance. This answered few if any of the requests in the debt validation request dated Monday, XX/XX/2020. In addition, I started receiving phone calls from them on XX/XX/2020 and per my understanding it is a violation of the collection practices act for a debt collector to fail to respond to a verification letter. I completed additional investigation and found multiple complaints and lawsuits against NBF for similar circumstances, please see below for sources : XXXX XXXX XXXX : XXXX : XXXX Roth Et Al V. National Business Factors Inc. of Nevada XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glass Mountain Capital, LLC
State: MN

Complaint narrative:
I was contacted by Glass Mountain Capital on XX/XX/2020 stating that I owed {$2300.00} to a company called XXXX for an XXXX. I was confused at first and then stated to them that I never made this purchase. I filed an identity theft report with the FTC and sent letters to both XXXX and Glass Mountain that I did not make this purchase and that I was a victim of identity theft. They sent me a lease agreement that I have never seen and it did not have my signature, but a digital signature with an address that I never lived at or recognized. I looked up the address and it is for a hotel. So without a confirmed address or Social Security number or drivers license how can a legitimate company give someone property in my name and expect me to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: PMAB,LLC
State: NC

Complaint narrative:
For about a month now I have been in contact with XXXX regarding some accounts that were already asked to be removed from my credit report by myself and assumedly by PMAB. XXXX   and XXXX  have removed the accounts from their bureaus. XXXX  has not. XXXX  has removed the creditor 's name ( PMAB ) but is still reporting the remainder of the account information for the accounts in question ( there are some generic numbers in place of PMAB 's name ). They told me that PMAB had not requested that the information be removed and they would have to request that the information be removed from the report before XXXX  would remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bureau of Accounts Control
State: NC

Complaint narrative:
I was seen in XXXX and paid all co-pays told were due at the time of service. I did not receive a bill from XXXX XXXX XXXX until XX/XX/XXXX. I submitted check XXXX on XX/XX/XXXX, it cleared my bank XX/XX/XXXX. I received messages from Bureau of Accounts Control on XX/XX/XXXX ( Letter dated XX/XX/XXXX ). My wife called them XX/XX/XXXX to explain that the debt had already been paid by check and the check cleared the bank. The agent told my wife that would be no problem and we would only hear back if XXXX XXXX XXXX disagreed. Nothing was said to us until they called today to say that we still owed the money. The debt has been settled nearly 2 months now and the calls are harassment. Please order a cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Visa sent a notification to citizens bank my account holder that there is a possibility of a fraudulent merchant involved with my account. 
My card has been cancelled without my knowledge or input in any way. Citizens says there is no fraudulent transaction just a notification from visa that the account number may be compromised. 
Have they notified XXXX it XXXX in the process? Citizens has no information. 
In my opinion visa needs to provide specific information about the suspected fraud to the consumer and the bank. 
How am I supposed to prevent another questionable transaction on my end without any specifics?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I called navient in the wake of coronavirus epidemic. My XXXX XXXX is closed for 2 weeks as per the american XXXX association, so I have no income. I am XXXX XXXX, so no unemployment insurance. 
I understand federal loans are waiving interest. Navient will not offer any programs other than forbearance - so defer and then capitalize interest when this is over! 
There is no relief, very unfair during a crisis. 
Pushing people into forbearance will only delay the bigger issue - heavy interest. 
They keep responding to my complaints with corporate padding answers, no legitimate solution. 
What about the rest of the millions of students with loans. 
We need a class action suit against Navient lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC

Complaint narrative:
My spouse passed away XX/XX/XXXX. I received a bill later for a medical charge from XXXX, XXXX XXXX, CO. I sent a note back saying he was deceased. I received another bill and I sent a copy of his death certificate. Now I received a letter Service Credit Service to " COLLECT AND IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' i will be XXXX years old and on a fixed income due to his death. He was the main holder of our insurance through the Fed. XXXX XXXX. I lost my insurance plan due to his death and had to get my own individual plan and it was cancelled XX/XX/XXXX and then I had to get another plan which did not start until XX/XX/XXXX. 
Am I responsible for his medical bill? Since they do not accept the fact that he died and see his death certificate, what can I do? Will this affect my credit rating? Please advise what can be done.. 
XXXX 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 2020-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I'm contacting you in regards to my mortgage company. There name is Specialized Loan Servicing LLC-NMLS ID Main XXXX ; NMLS ID Branch XXXX ; NMLS ID Branch XXXX. The issue is that there was forced placed insurance put on my account and I was never aware of that happening so I didn't know that there was a escrow change which made my monthly bill go higher. I was only sending in my monthly mortgage payments not aware that there was a escrow account put on the account and I was supposed to send in more. Because of this, my husband and I were reported late to the credit bureau every month between XX/XX/2019 to XX/XX/2019 XXXX XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XXXX XXXX some reason they didn't report XX/XX/2019 as being late and if we were actually late, which we weren't because we were making payments for our mortgage every month, then they wouldn't have skipped XX/XX/2019 XXXX. This has affected our credit scores significantly ( my husband 's credit was immaculate, but then his score dropped down over XXXX points less because of this situation with the mortgage company ). We have now sent in our past due amount ( no one know what was going on on our account for several months and finally notified us of the escrow change in XX/XX/2019 ). I was told by the mortgage company that once they receive our past due amount, which they now had, that I was to request to have all of the late reporting for each month that was reported late that they would remove all of them ( XX/XX/2019 to XX/XX/2019 and XX/XX/2019-as the mortgage company told me that they would remove all of them ) from the credit bureau. The mortgage company never removed any of the late payments from any of those months. I was also told that it is highly illegal to report a customer late to the credit bureau when they are making payments each month. We also told the mortgage company ( when they finally told my husband and I what was going on in our account ) that we would send in the payments for the home insurance seperately and they wouldn't even work with us. I feel like they are doing this so we won't be able to refinance with another company and will be stuck with them for a very long time. I hope you are able to help us with this issue. Thank you so much for taking your time to read this and have a wonderful and blessed day.

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 2020-03-19 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2100.00} UD DEP ED XXXX {$9200.00} XXXX XXXX {$2000.00} XXXX   XXXX {$4000.00} US DEPT ED XXXX {$6800.00} XXXX XXXX {$4000.00} US DEP ED XXXX {$4000.00} XXXX XXXX XXXX XXXX {$610.00} XXXX  XXXX {$200.00} XXXX   XXXX {$200.00} XXXX  XXXX {$240.00} XXXX  XXXX {$150.00} XXXX  XXXX {$320.00} XXXX  XXXX {$220.00} XXXX   XXXX {$300.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$180.00} XXXX   XXXX  XXXX {$610.00} XXXX XXXX XXXX {$820.00} XXXX   XXXX {$480.00} DPT ED/XXXX XXXX {$2300.00} DEPT OF ED/XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$240.00} US DEPT OF ED/XXXX/XXXX  XXXX {$560.00} XXXX XXXX XXXX {$1400.00}

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 explanation