vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX My journey started 6 month ago when I pulled my credit report from all three credit bureau and seem the inaccurate information on my file. Then I begin to hand write letters regarding the inaccuracy in my credit reporting. Specifically as it related to charge off and provide me with copies of any documentation associated with these account, bearing my signature. In the absence of any such documentation bearing my signature. I formally requested that this information be immediately delated from the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/2020, at XXXX XXXX, I attempted to call ReliaCard customer service to speak with a representative regarding fraudulent charges to my account. ReliaCard is the reloadable debit card that Oregon unemployment payments are deposited to, issued by US Bank. Instead of looking at my card for the customer service number on the back, I went to https : //www.usbankreliacard.com/contact-us and clicked the call XXXX XXXX XXXX XXXX link which prompted my phone to call the number. The automated system that answered asked for my 16 digit card number, which I retrieved and entered, then informed me that my phone number I was calling from wasnt associated with my card, which was odd because I receive transaction alerts via text message for the card. Next, the system asked for the last four digits of my social security number which I then entered, then the system said all customer service technicians were busy with other callers, it said goodbye and ended the call on its own. I then looked at the back of my card and compared it to the number I had just called and they were different. I called the number on the card ( XXXX XXXX XXXX and the automated system said most of the same things as the previous one, but didnt have me enter my card number, my social security number, and played waiting music as I held for the next available customer service technician. The technician informed me that the first number I had called was not affiliated with US Bank or ReliaCard. Following that call, I called a local branch of US Bank and spoke to a teller about the issue, and he had no knowledge, awareness, advice, information, resolution, or so much as interest in the situation or my concerns, which he ultimately attempted to minimize before ending the call. I then spoke with local law enforcement who transferred me to the Attorney General, who referred me back to the internet and this complaint form. Following this complaint, I intend to itemize my charges, deposits, and full account history to discuss with the ReliaCard Fraud Department, cancel my current card, and order a new one, as well as use the Credit Bureaus protection features. I was already concerned but now am terribly concerned about my credit, identity, privacy, and financial well-being. I dont understand how a bank, especially such an established bank can be so careless about the privacy and security of its members. I have spent the past 7 hours  attempting to mitigate the consequential events of that phone call. I feel so violated!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: OH

Complaint narrative:
XXXX XXXX extended credit in my name falsely at the following addresses and now refuses to acknowledge the identity theft that has taken place. Unbelievably allowing someone else to use my name and social to open 3 different accounts and 3 different addresses at the same time and not suspecting a thing. XXXX XXXX now wants me to pay the Identity theft debt. I have never lived in Virginia mailed bank statements to XXXX as proof along with my drivers licence etc. After completing proof of residency and sent back statements etc. to no avail. XXXX insisted on a police report dispite the local police saying they would not take one because it occured too long ago and that they could not investigate such a crime. 

The negative mark is still on my XXXX  credit report. 

XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$1600.00} XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$74.00} XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have 2 complaints. Today I received an updated copy of my XXXX  and TransUnion credit reporting. XXXX XXXX XXXX XXXX had agreed XXXX to remove the delinquent information off my credit reports. It did delete off TransUnion however it is still reporting and updated on my XXXX credit report. It is showing {$6600.00} charge off loan. The bank had agreed to remove it. My next issue is XXXX   XXXX XXXX is also still reporting. This account was opened in XXXX and I was told by legal counsel that after 7 years the statue of limitations is in effect. I was also advised it is from the date of first reporting which was XXXX we are in XXXX this information is outdated and should not be appearing. For some reason they ( XXXX  XXXX XXXX ) keeps updating for other years which causes this fraud account to keep reappearing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have 2 complaints. Today I received an updated copy of my XXXX  and XXXX  credit reporting. XXXX XXXX XXXX XXXX had agreed XXXX to remove the delinquent information off my credit reports. It did delete off XXXX  however it is still reporting and updated on my XXXX  credit report. It is showing {$6600.00} charge off loan. The bank had agreed to remove it. My next issue is Bank of America is also still reporting. This account was opened in XXXX and I was told by legal counsel that after 7 years the statue of limitations is in effect. I was also advised it is from the date of first reporting which was XXXX we are in XXXX this information is outdated and should not be appearing. For some reason they ( bank of America ) keeps updating for other years which causes this fraud account to keep reappearing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: NY

Complaint narrative:
I have 2 complaints. Today I received an updated copy of my Experian and XXXX  credit reporting. XXXX XXXX XXXX XXXX had agreed XXXX to remove the delinquent information off my credit reports. It did delete off XXXX  however it is still reporting and updated on my Experian credit report. It is showing {$6600.00} charge off loan. The bank had agreed to remove it. My next issue is XXXX  XXXX XXXX is also still reporting. This account was opened in XXXX and I was told by legal counsel that after 7 years the statue of limitations is in effect. I was also advised it is from the date of first reporting which was XXXX we are in XXXX this information is outdated and should not be appearing. For some reason they ( XXXX  XXXX XXXX ) keeps updating for other years which causes this fraud account to keep reappearing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MT

Complaint narrative:
This is a reoccurance of a problem with Loan Care Account Servicing. They are servicing a contract for deed for a rental property for us and have now, for the second time, neglected to reconcile the year end accounting and pass on the incremental charges. They wait for years until the increases eat up the buffer and then want to try charge me a large sum all at once!. The problem is that these small yearly increments can be passed on to the renters, but a 3 year buildup can't be! This is exactly what happened before ... CFPB case # XXXX, which I have attached. Loan Care has been  consistently negligent in their duties of our contract and expect me to pay out of my pocket for their negligence!! 
In addition, at the close of the last complaint, I objected to the fact that they said they were going to do away with the buffer and that It looked like they were just taking the buffer away and adding it back into the account to look good. I never did receive a response from either the CFPB or Loan Care. 
I have attached the letter from Loan Care stating that I owe {$1300.00} ASAP and that my payment will be increasing by $ XXXX/month ( $ XXXX/year ). 
I have also attached County documents showing that my taxes went up {$94.00} last year and Insurance receipts showing that my insurance went up {$130.00}. 
That is a one year increase of {$230.00} and Loan Care wants me to pay them {$1300.00} AND increase my payments by {$500.00} per year!! They are grossly neglecting the only duty they are hired for and that is to reconcile and steward a loan. 
Have I tried to work it out with Loan Care? Yes. I started with a phone call on XX/XX/XXXX to XXXX who said he would have supervisor call me back, didn't happen. On XX/XX/XXXX, I called again, talked to XXXX and he said a supervisor would call me back. I eventually did talk to a supervisor who said she would talk it over with the office and would call back later in the week. She did and admitted they Neglected to reconcile the account and said all they could do was to try to pay the upcoming insurance payment and hope the increase in payments would catch up to the deficit. 
This NOT what we are paying them 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 2020-09-29 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: IL

Complaint narrative:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiry from US SM BUS ADMIN ODA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: IL

Complaint narrative:
XXXX  and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX is fraudulent on my credit Account # XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX Inquiry from US SM BUS ADMIN ODA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX journey started 6 month ago when I pulled my credit report from all three credit bureau and seem the inaccurate information on my file. Then I begin to hand write letters regarding the inaccuracy in my credit reporting. Specifically as it related to charge off and provide me with copies of any documentation associated with these account, bearing my signature. In the absence of any such documentation bearing my signature. I formally requested that this information be immediately delated from the credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX journey started 6 month ago when I pulled my credit report from all three credit bureau and seem the inaccurate information on my file. Then I begin to hand write letters regarding the inaccuracy in my credit reporting. Specifically as it related to charge off and provide me with copies of any documentation associated with these account, bearing my signature. In the absence of any such documentation bearing my signature. I formally requested that this information be immediately delated from the credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: EQUIFAX, INC.

Complaint narrative:
My credit score has been miscalculated and does not reflect my credit history. First, my credit history in starts in XXXX, when I received my first credit card. A fact that not mentioned in the credit reports. Second, my arrears with XXXX occurred because I had moved and had not known or received notices of the amount outstanding. I resolved that issue with XXXX in XXXX. Please update my credit score to reflect my credit history accurately. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX continues to contact me and interfere in business dealings and my health over a two year old debt for services that were authorized with my previous insurance company in XXXX. The company continues to charge COVID tests that are free due to be uninsured. When I am attempting to have tests run for employment or as an uninsured person they continue to press the issue of {$130.00} that is the result of the organization not being authorized to run test under the said insurance company on question along with not report back to my pcp to clear up any outstanding bills. XXXX XXXX has forwarded these outstanding bills to a collections agency now after tests were run for COVID.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have made payment toward principal {$14000.00} from XX/XX/20 to XX/XX/20 at Bank of America HELOC account.XXXX {$640.00} XX/XX/20 {$1800.00} XX/XX/20 {$680.00} XX/XX/20 XXXX XX/XX/20 {$2900.00} XX/XX/20 {$28.00} XX/XX/20 {$1800.00} XX/XX/20 {$1000.00} XX/XX/20 {$3300.00} but it reversed into unapplied founds since XX/XX/20 I have been talking to Bank of America until today XX/XX/20 but only {$5800.00} was credited to principal balance only and {$8300.00} is still in unapplied funds. I talked to more than dozen people at bank to fix this and every time they forward request to escalated team. I was told to wait till Friday each week but it did not fixed and it's all in the record and I have given confirmation numbers ex ) XXXX, XXXX, XXXX. Please believe me that I tried so hard with bank to help me to credit and allocate the funds to principal on the day I paid. I waited over tow hours to talked to bank and many times I was put on hold and disconnected so I had to call them back again waited another two hours.Today I got disconnected again. Not knowing when Bank of America will fixed the problem, I had to seek for your help. I would like to know why they credited only {$5800.00} and not {$14000.00} when they were fixing the issue which I could not understand.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
We have been working with our lender on a loan modification. on XX/XX/XXXX, we received a letter stating we were " approved, and accepted, a Forbearance Plan based on an evaluation of our application ''. The letter further states that " no action is required at this time, you are invited to complete your loss mitigation application by submitting all the documentation by XX/XX/XXXX ''. Additionally, the letter states that we will " have the opportunity to be evaluated for other options available at the conclusion of the forbearance period. In addition, we will reach out to you at least 30 days prior to the end of the Forbearance Plan to  discuss our situation and provide additional information regarding options that may be available. '' Although we have submitted documentation and followed up on numerous occasions via phone and e-mail, we did not receive a response. 
Our home was sold this morning. Although, we did not receive a notice of postponement, we were notified that we may not receive written notice of postponement each time the trustees sale is postponed. Not only did we have alot of equity in our home, we also could not afford a foreclosure on our credit, this should NOT happen. There are more details but this is the meat of the complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My credit score has been miscalculated and does not reflect my credit history. First, my credit history in starts in XXXX, when I received my first credit card. A fact that not mentioned in the credit reports. Second, my arrears with XXXX occurred because I had moved and had not known or received notices of the amount outstanding. I resolved that issue with XXXX in XXXX. Please update my credit score to reflect my credit history accurately. Thank you very much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TriStar Finance, Inc.
State: WA

Complaint narrative:
XX/XX/2020 Mortgage application was made to TriStar Finance along with supporting documentation. 
XX/XX/2020 Loan estimate with rate and fees was sent to borrowers. Rate was locked. 
XX/XX/2020 ( According to lender XXXX Investor sent out adverse market fee notice on 0.5 % GSE fee. 
XX/XX/2020 A whole bunch of disclosures sent to borrowers, including the 0.5 % G fee, which was not communicated to borrowers at rate lock. 
XX/XX/2020 Emails and phone communication between borrowers and lender regarding the added G-fee. Loan application was cancelled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
I began a mortgage application with Better Mortgage on XX/XX/2020 and was subjected to two notable predatory practices.

1 ) Loan originator promised a closing timeline of 21-30 days after rate lock on XX/XX/XXXX. Upon completing all paperwork in a timely fashion, closing was scheduled for 49 days after rate lock. No explanation given. 

2 ) Loan officer promised a removal of prepaid property taxes. Loan estimate showed no prepaid property taxes. This gave Better Mortgage a competive edge over competitors. 3 days prior to closing, they reinstated the prepaid property taxes on the closing disclosure, saying they were mandatory. No further explanation given to as why I was initially decieved. 

Loan team : XXXX XXXX NMLS ID # XXXX XXXX XXXX XXXX XXXX NMLS ID # XXXX XXXX XXXX

Company response to consumer: Closed with explanation