vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-24 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have made multiple attempts with Experian to fix incorrect information on my credit report regarding a closed credit card account. The account was re-dated in XX/XX/XXXX as  failure to pay after being paid off in XX/XX/XXXX. It's negatively affecting my credit score and every time I attempt to have Experian fix it, they come back less then a week later stating they have re-investigated and nothing changes. I feel that my rights under the Fair Credit Reporting Act have been violated by this incorrect account information and Experian 's unwillingness to correct the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I was at Steinmart on XX/XX/19, purchasing clothes that totaled {$550.00} - I was told that if I got a Synchrony Bank credit card I would receive a 15 % discount. When I received my bill in the mail, it was for the original {$550.00}. I have been trying to resolve this issue for some time now with no luck. I have a copy of my receipt and everytime I call the number i was given ( XXXX ) it says their mailbox is full.

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 2019-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Have been getting frequent calls some coming before XXXX. Caller apologized but continued hung up said I was going back to bed then they called right back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My home loan was transferred over to Mr. Cooper approx. 2 years ago. They are truly the most incompetent lender I have ever dealt with. 

This is the second time ( within months ) that they have claimed I don't have enough Flood Insurance, which I do & I've proven it each time. 
The first time they claimed this they took extra payments out of my personal checking account ( {$140.00} x4 ) this was done without warning or notice. After proving them wrong they finally realized their mistake and after months of frustrating phone calls & emails I was finally reimbursed {$560.00}. 

They are now doing the exact same thing again and its only been approx. 5 months since the last debacle and there has not been any change to my Flood Policy. ( After the first nightmare I canceled my automatic payment so they wouldnt take more than my loan payment ) They are now threating me saying Im behind in my payments, theyve also tacked on late fees and theyre ruining my perfect credit. Ive reached out the insurance department and they have informed me its their mistake, again but they have not done anything about it. 

This seems to be an ongoing scam by Mr. Cooper. They take your money and make it very difficult to get through to them. They have rude credit collectors calling me daily. I have never missed a loan payment & I have a credit score of at least 780.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CO

Complaint narrative:
I immediately canceled my {$5000.00} funds transfer approximately 30 minutes after it was approved by Western Union ( and before dispersed by my bank ) on XX/XX/19 because it was going to take to long to process. I did this by phone and was told it had been canceled and it may take 7-10 days to receive my refund. I then received a confirmation email saying my transaction had been canceled and would be refunded. It is now over a MONTH later and I have not received my refund. I have called at least 4 times, talked to multiple people and EVERY TIME am told that whatever the issue was, it has been resolved and it will be refunded in 7-10 days. The most recent phone call was on XX/XX/19 ELEVEN business days ago. I have repeatedly asked for a confirmation number for this issue or some kind of confirmation that it has been resolved and they just say, no sorry we don't have a way to do that. 

I have also asked for names of the agent I am talking to and am only given 4 letter first names. The last person I talked to also gave me her ID number, which I didn't know they had since the first several people had not offered that information. Also, mysteriously, my calls get dropped every single time I talk to them so that to get through to a person and to get through discussing an issue, I have to call back multiple times, start over multiple times, and talk to multiple different people. 

I was told at one point that the issue was I didn't answer a phone call about my cancellation. I don't know why I would need to discuss anything further if I had already discussed it in person with an agent, was told it was processed, and received a confirmation email saying it was canceled. I did receive another email after the missed phone call saying that because they couldn't reach me by phone, my transfer would be canceled and funds refunded ... great, sounds like what I had already done and was wanting ... yet still no refund and no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: MD

Complaint narrative:
XXXX XXXX XXXX has a short sale showing on my credit report for {$250000.00} and it's still updating every month prior to the short sale..The account has been closed since 2014 and sill remain on my accounts after numerous disputes with the credit bureaus. ( Equifax, XXXX, & XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent XXXX removal 41 inquiries of credit file. Called XXXX and spoken to an assistant for an hour. To date, company failed to remove inquires off credit file. Company continues to furnish improper information on credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
I don't know anything about this and it just appeared on my credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: NC

Complaint narrative:
I went to the bank to get a personal loan. I was told I didn't qualify for the loan. I was told It was because of my credit and I asked to see it. Here Is what is listed on my credit that Is not mine. XXXX, US DEP ED, XXXX XXXX, XXXX XXXX, XXXX, Afterwards I called the police and contacted FTC to see what was going on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
I have medical insurance and Im being held responsible when I shouldnt be

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have notified the credit agencies about the following errors and disputes : XXXX is reporting my name as XXXX when my last name is XXXX XXXX is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Experian is reporting incorrect address information : XXXX XXXX Ct, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX Ct, XXXX, GA XXXX XXXX, Experian, and XXXX is reporting inaccurate late reportings from XXXX - XX/XX/XXXX for XXXX XXXX XXXX, Experian, and XXXX is reporting inaccurate 30 days late reportings in XX/XX/XXXX for GA 's Own XXXX XXXX, Experian, and XXXX  is reporting inaccurate 30 and 60 days late reportings in XXXX - XX/XX/XXXX for 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 2019-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cawley & Bergmann, LLP
State: CA

Complaint narrative:
On XX/XX/2019, the collection company Cawley & Bergmann engaged in deceptive practices when the company called me with a spoofed caller ID under the name " XXXX XXXX. '' I answered the call as I am local to XXXX XXXX 's headquarters and had reason to believe that the call could have been an opportunity for employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: NC

Complaint narrative:
Hey I wanted to contact you all because I went to my bank to get a loan to help my brother by and get a car and they told me that I was not able to cosign for him. I don't know why I wouldn't and plus I have been with my bank for years since I was XXXX. My mom told me to look at my credit and there is some stuff on there that isn't mine XXXX XXXX XXXX XXXX XXXX , DPT ED/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there Is an account that don't even have a name but it's an account number XXXX. My mom told me to get in touch with police and FTC, I did both.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Have been getting frequent calls some coming before XXXX. Caller apologized but continued hung up said I was going back to bed then they called right back.

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 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: LA

Complaint narrative:
I went to XXXX XXXX with some girlfriends who had the exact same problem as I am about to describe. Each time we took a cab that was supposed to be around {$20.00}, they charged around {$850.00}!! We called our credit card companies and the two girls I was with had no problem! The credit card company marked it as fraud and handled it. But I did not have the same experience. My US Bank card keeps insisting that it is a valid charge. What cab ride would cost {$850.00}??? I have three charges for transportation : {$920.00}, {$860.00} and {$840.00}. All charges were on XX/XX/18 and the three signatures do NOT match my signature. You can tell they obviously had my signature and tried to forge it. I can not tell you how many people I have spoken with at Cardmember Services - and how many HOURS I have been on hold!

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 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
NOT A DUPLICATE COMPLAINT I am a customer of Bank of America and a fraudulent transaction in the amount of {$100.00} was posted to my checking account on XX/XX/XXXX. I was not aware of that fraudulent transaction until I went to the branch on the same day to make a cash deposit in the amount of {$92.00} and noticed on my deposit receipt my available balance was showing - {$0.00}, so I went inside of the branch and the representative directed me to call Bank of America and file a dispute and he would return my {$92.00} cash, however that refund was not done by the branch representative. I spoke with XXXX on the phone and filed the dispute, however, Bank of America is holding my temporary credit in the amount of {$100.00}, stating that since I had other claims in the past, they are not going to credit my account on the regular timing until they finalize the investigation, that could take up to 60 days, instead of 2 days. I spoke with several representatives since XX/XX/XXXX which includes XXXX, XXXX, XXXX, XXXX and XXXX ( on XX/XX/XXXX and XX/XX/XXXX ) and on XX/XX/XXXX I spoke with XXXX, XXXX, XXXX, XXXX and XXXX XXXX, but nothing has been resolved and every time I call and a note is put on my account by a representative, the situation is becoming harder to resolve. I asked several times to speak to a manager about this situation, but all the representatives above have refused to transfer me to a manager. Yesterday when I spoke with Bank of America, I was asked to wait until today to have the transaction completely posted, since the transaction was still processing and I would receive a temporary credit for that dispute once it completed or dropped out of my account. Today the transaction is showing posted and I was advised by all the representatives I spoke with and XXXX XXXX that Bank of America is going to hold my temporary credit due to other disputes I filed in the past. I also spoke with XXXX in customer services, but she started to display some angry behavior on the phone as we started to talk, so I thanked her and ended my conversation with her immediately. Bank of America is disregarding that the {$100.00} fuel charge posted to my account on XX/XX/XXXX is a fraudulent transaction and not a merchant dispute and needs to be handled seriously and on a timely manner, since my funds are being held on the fraudulent transaction. I have been treated by Bank of America representatives with disrespect and unwillingness to resolve my issue.

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 2019-09-24 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: NC

Complaint narrative:
I went to the bank to get a personal loan. I was told I didn't qualify for the loan. I was told It was because of my credit and I asked to see it. Here Is what is listed on my credit that Is not mine. XXXX, US DEP ED, XXXX XXXX, XXXX XXXX, XXXX, Afterwards I called the police and contacted FTC to see what was going on.

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 2019-09-24 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: NC

Complaint narrative:
I went to the bank to get a personal loan. I was told I didn't qualify for the loan. I was told It was because of my credit and I asked to see it. Here Is what is listed on my credit that Is not mine. XXXX, US DEP ED, XXXX XXXX, XXXX XXXX, XXXX, Afterwards I called the police and contacted FTC to see what was going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
In XX/XX/2019, we experienced a financial hardship and we worked with BBT Mortgage company to make partial payments to insure we did not fall behind. 

In XX/XX/2019, we were advised that our Mortgage had been transferred to XXXX XXXX XXXX company. XXXX immediately placed us in a delinquency status. XX/XX/2019 we made contact with both XXXX and BBT in an attempt to get the two of them to speak. This was unsuccessful. BBT XXXX XXXX at XXXX told me " you are no longer our customer we can not help you - you must work with XXXX . She went on to say They have to work with you! '' I called back to XXXX and spoke with their representative XXXX. She told me that if I faxed over a request for account review XXXX should be able to get a payment history from BBT. I faxed this letter copied both XXXX and BBT requesting an audit/payment history. 
On XX/XX/2019 we received a certified letter from XXXX stating intent to foreclose. XX/XX/2019 we contact XXXX again speaking with an XXXX in loss mitigation we attempted to make a payment arrangement and advise we would pay {$1200.00} ( full loan payment amount ), he refused to accept it. Told us that they will not accept anything but the full amount of {$4300.00}. Explained we do not have that and again went through details showing we are not behind. This was to no avail. We provided financial information to XXXX to see if we could qualify for a payment plan to catch up ( even though we still believe we are not delinquent )! He said it will be reviewed we may or may not be granted approval. Said it was likely not going to be approved because our finances are too tight! 

I am unaware of anything else I can do but to reach out to every resource possible to get someone to clear this up.

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 2019-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
About 2 months ago, I received a phone call from Portfolio Recovery Associates. The claimed that I owed XXXX XXXX about {$500.00} and they were attempting to collect the debt. The person on the phone then said that they couldn't do much since too much time had passed. She then said that if they restarted collections, this would " reset '' the debt and that XXXX XXXX could attempt to collect on it again. I said that I doubted that I owed XXXX XXXX any money and hung up. 

On XX/XX/XXXX, XXXX XXXX withdrew {$5.00} from my checking account without either my wife or my permission. Two days later I received a letter thanking me for setting up a repayment plan with them for the XXXX XXXX card, paying back a debt of about {$500.00}, {$5.00} at a time. 

I did NOT authorize this plan. I did not grant Portfolio Recovery Associates to draw off of our joint checking account. 

I did have an arrangement with them for another debt, which I paid off. I believe the accessed my account information from there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2019, the collection company XXXX XXXX XXXX engaged in deceptive practices when the company called me with a spoofed caller ID under the name " XXXX XXXX. '' I answered the call as I am local to XXXX XXXX 's headquarters and had reason to believe that the call could have been an opportunity for employment.

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 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
4TH COMPLAINT AGAINST PHH MORTGAGE SERVICES Previous complaint # XXXX It is truly appalling to see the disgusting corruption, lack of attention and downright negligence and ignorance on the part of OCWEN/PHH Mortgage. They knew that my loan was going to be sold as evidenced by their letter dated XX/XX/19 ( attached ) so they moved forward with subjecting us to their lies and additional process so that we could not access the insurance funds required to pay for repairs on my home. Now, they can further delay repairs for over 30 days!!!!!! 

Today, our area is in a state of " fire warnings? '' My home still has broken windows, but it is apparently okay for Ocwen/PHH to get away with their inept and incompetent responses. 

THEY APPROVED IN WRITING AN EXCEPTION! WHY IS THE CFPB DOING NOTHING ABOUT THIS SITUATION?

Company response to consumer: Closed with explanation