vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On the XXXX statement for payment due XX/XX/XXXX, Mr. Cooper suddenly increased the payment from {$1300.00} to {$1700.00} with no explanation. I called Mr. Cooper and they stated it was due to an anticipated increase in our homeowners insurance which doesn't come up for renewal until XX/XX/2020. I stated to Mr. Cooper that we would be taking over our Hazard Insurance policy as well as Taxes and Insurance payments. We have a right to do that. Therefore we will not need an escrow account. They refused to allow that. It is unethical especially during times of Covid to put homeowners in jeopardy. I'm XXXX, on a fixed income and my elderly mother lives with me. My sister will be paying the taxes and insurance for the future and the principle {$1000.00} will be paid by me. It's wrong and not appropriate to change my mortgage payment especially in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Its about the covid-19 relief program. When people are out of work and dont have money to pay the bill. The program they offered was to enroll in program they require you pay in my case {$430.00}. Just to enroll. Thats not help thats gouging a customer of over 20 years. I asked for a deferral and was denied cuz they are the only company not offering them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Two bureaus are reporting two accounts for XXXX XXXX on my credit file. I ONLY HAVE ONE. Equifax is reporting one with the correct balance of {$7000.00} and the other with the balance of {$12000.00}. My income tax refund was garnished in the amount of {$5400.00} to go towards the ONE account which brought it down to the {$7000.00} AGAIN there is and was ONLY ONE account. I have disputed this back in XXXX and even sent proof to Equifax but apparently someone did not read the information for which I have attached here too.

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 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
In XXXX, I refinanced my mortgage with XXXX XXXX. At some point, I decided to pay my mortgage by Electronic Funds Transfer. In XXXX, I was having XXXX XXXXXXXX, and asked for paper billing. I received paper billing, along with a letter stating that I had been paying my mortgage on 2 bills. XXXX XXXX, then stated that I would be given the newer number, dropping the first mortgage. After a couple of months, XXXX XXXX changed my mortgage lender to Specialized Loan Servicing. I continued to pay my mortgage to Specialized Loan Servicing. When I decided to refinance this past year, I was told that there was no record for between 10-24 months, of my Mortgage being paid. I  contacted CPFB, and requested that my account be brought up to date, and that my payments be reflected. At this point, I feel that XXXX XXXX absolutely did the wrong thing when they duplicated my mortgage payment, and that is grand theft. I also feel that Specialized Loan Servicing, by not making note of my payments, for 10-12 months, also negatively effected 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 2020-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
When consolidating my loans from a private provider, Fedloan rolled them over in parts, then charged me to consolidate, resulting in additional fees. Agents refuse to acknowledge or address this in any way. 

Formally, I was a government employed teacher that qualified for loan forgiveness. None of my qualifying payments were entered. I have since quit teaching as I no longer trust this program. 

In addition, I have asked repeatedly over the last couple months for information regarding the percentage of interest charged on loans and they refuse to provide this information. I was sent statements days after each time I reach out that include only an overview, but not the information I requested. 

The first and last issue I would like addressed ASAP so I am not over charged as I pay off these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC
State: VA

Complaint narrative:
Account Name : Flagship Credit Accept XXXX I was marked 30 days late on my credit report. I am XXXX XXXX Veteran currently living in a hotel in Virginia awaiting my purchase loan transaction to be approved. I was informed by my mortgage professional about this late payment and on XX/XX/2020 i called Flagship and explained my situaton and they told me that i was 66 days late and since i did not receive the paperwork package for relief under the CARES act that they would not help me and apparantly these lates are hindering me form getting this loan I brought the account current. I feel like im being taken advantage of. I thought the CARES act was set up for people like me who NEED help under this pandemic. All i am askins is to have the late or lates from 2020 removed from this account. Can you please help me and my family not become homeless

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 2020-07-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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 Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-22 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-07-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The XXXX XXXX account on my Equifax report was listed as " Under Investigation from a previous dispute '' for over 90 days. I called and spoke to an agent who opened an investigation as to why it was listed as under investigation when it wasn't. This was on XX/XX/XXXX. 

The results of this " dispute '' were provided on XX/XX/2020. The XXXX XXXX account is still listed as open online, the available credit is listed as {$4100.00}, there is no date of last activity listed, and while it states there were late payments, no payment history is provided. 

This should be removed from my report due to inaccurate information reported repeatedly. The account was also listed as Under investigation from a previous dispute for 90 days prior to my XX/XX/XXXX call ( in addition to that investigation that took 21 days, totaling 111 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: AR

Complaint narrative:
I bought a XXXX XXXX from the company in XXXX of this year. Last month, I begin having issues with the vehicle so I took it back to the company to see what I needed to do. After being given number after number to call and those people giving me different numbers to call, I just asked if I could trade the vehicle back in. They told me yes. I never picked out a vehicle, nor test drove a vehicle. I sat in the lobby almost all day because I was under the impression that the bank ( XXXX ) didnt want to buy the XXXX back because I had only had it a few months. I ended up having to pay out of pocket to get the truck towed and fixed because the insurance that comes with the vehicle doesnt cover it until after its been diagnosed. Fast forward to XX/XX/XXXX, I receive an envelope from XXXX XXXX stating that I was denied for a loan for a 2020 XXXX XXXX. I never gave the consent nor the ok on a vehicle. I have XXXX children and two car seats, its hard to fit them inside of the XXXX, so I wouldnt go for something even smaller than what I already have. Now Im wondering how many different companies did they use on XX/XX/2020 to try to finance a vehicle I never asked 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 2020-07-22 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: ID Analytics, Inc.
State: AR

Complaint narrative:
I bought a XXXX XXXX from the company in XXXX of this year. Last month, I begin having issues with the vehicle so I took it back to the company to see what I needed to do. After being given number after number to call and those people giving me different numbers to call, I just asked if I could trade the vehicle back in. They told me yes. I never picked out a vehicle, nor test drove a vehicle. I sat in the lobby almost all day because I was under the impression that the bank ( XXXX ) didnt want to buy the XXXX back because I had only had it a few months. I ended up having to pay out of pocket to get the truck towed and fixed because the insurance that comes with the vehicle doesnt cover it until after its been diagnosed. Fast forward to XX/XX/XXXX, I receive an envelope from XXXX XXXX  stating that I was denied for a loan for a 2020 XXXX XXXX. I never gave the consent nor the ok on a vehicle. I have XXXX children and XXXX car seats, its hard to fit them inside of the XXXX, so I wouldnt go for something even smaller than what I already have. Now Im wondering how many different companies did they use on XX/XX/2020 to try to finance a vehicle I never asked for!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have Sent Information  to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
wrote a letter, explained the Chapter XXXX discharge, they never stopped calling

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
This complaint is filed against Synchrony Bank, which runs PayPal Credit. At the beginning of 2020, I filed a dispute with PayPal Credit regarding missing refunds. These refunds are in connection with an online HauteLook.com purchase from XX/XX/2020. I returned the merchandise I purchased, and received a return confirmation via email from XXXX. XXXX is a company owned by XXXX. I was assured that a partial credit had been processed onto my PayPal Credit account for : {$200.00}. Please see XXXX of the pdf documents I am submitting. I contacted XXXX XXXX requesting an additional credit for : {$5.00}. They agreed to issue that credit as a courtesy. When you add up the 2 credits, you get the full transaction amount : {$210.00}. Initially, Synchrony Bank ( or PayPal Credit XXXX issued a provisional credit. Later, in a letter dated XX/XX/2020, which I received in XXXX (! ), they told me that they were REVERSING the credit and that I would be responsible for the charge. Based on what!?! I provided INDISPUTABLE evidence that the merchandise was returned ( delivered to Return Center in XXXX XXXX, CA XXXX on XX/XX/2020 ) and also, as I indicated above, a copy of an email confirming that the main ( bigger ) credit had been issued. The question ( MYSTERY ) is : where is that credit and the other credit ( {$5.00} )? Why are they NOT appearing my PayPal Credit account? Who's doing what? Whoever reviewed my dispute at Synchrony Bank should be fired or demoted! I will NOT be paying for that charge. It is Synchrony Bank 's responsibility to straighten this out with the merchant! I made several attempts to do that myself. I recently even emailed the Disputes Team at XXXX but I still have not heard from them. In any event, I've furnished ENOUGH documentation in support of my claim for a chargeback to be permanently initiated. FYI, the PayPal Credit account in question ends in : 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 monetary relief
Consumer complaint received 2020-07-22 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: TX

Complaint narrative:
Hello, I have reached out to Transunion to dispute inquiries on my report that were not authorized by myself. I sent a letter certified mail on XX/XX/XXXX. 

After 3 weeks of not hearing from them on status of my dispute on these inquiries, I decided to call and inquire on the status of these disputes. 

They advised that they could not remove these inquiries although I confirmed with them that they were fraud and clearly my profile is being accessed without my knowledgede or authorization. 

In an attempt to obtain a letter of deletion from the creditors : Syncb/paypal XX/XX/XXXX ( XXXX XXXX  CONFIRMED SUBMISSION FOR DELETION to CREDIT BUREAU ) XXXX XX/XX/XXXX ( REMOVED DUE TO FRAUD ) XXXX  XX/XX/XXXX XXXX XXXX XXXX  CAN NOT LOCATE THIS INQUIRY BECAUSE IT DOES NOT LIST THE MERCHANT NAME. I ASKED TRANSUNION TO PROVIDE THE MERCHANT NAME SO THAT XXXX XXXX  CAN FURTHER ASSIST. TRANSUNION DOES NOT HAVE ANY OTHER INFORMATION ON WHO ACCESSED MY FILE, OTHER THAN IT SAYING " XXXX  '' ) XXXX  XX/XX/XXXX ( REMOVED DUE TO FRAUD ) XXXX/XXXX-XXXX  XX/XX/XXXX ( REMAINS ON REPORT - THIS IS FRAUD AND I DON'T KNOW WHO THIS CREDITOR IS. ) XXXX XX/XX/XXXX. ( THIS IS FRAUD ) In an attempt to better protect my private information, I have since place a fraud alert on my account and locked my files with XXXX. By end of month, I plan to have credit file locked with all three credit bureaus. 

Please help Transunion resolve these issues as I am not getting anywhere with them. 

Thank you!

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 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: AL

Complaint narrative:
I received a {$100.00} gift card that was through MyPrepaidCenter. I placed my card with other gift cards and was planning on making a large purchase and using it. I let my card expire and I contacted MyPrepaidCenter.com once I realized my error. They informed me that the money was no longer available, but their website says otherwise. Their URL ( https : //www.myprepaidcenter.com/site/visa-univ/standard/visa-terms ) clearly state : " The Card will expire on the date on the front of the Card. However, the funds do not expire. After expiration of the Card, you may request issuance of a card with the remaining balance, minus a card issuance fee that will be deducted from the remaining balance. The Card must have a remaining balance in excess of the card issuance fee to be eligible to request issuance of a card. ". I have requested on two seperate occasions for a replacement card and MyPrepaidCenter is giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: SC

Complaint narrative:
The company continues to report to the credit bureaus that payments are 30 days late every month. Payment was made late in XX/XX/2019 and instead of reporting the month it was late they instead continue to report XXXX and every month since as being 30 days late which is not correct. I have submitted a dispute with the company as well as a good will request and was denied changes to my credit reports. The company is instead asking me to pay about 2.5 months and claims this will correct things and have me current. I am at the end of this loan, I owe approximately {$3500.00} and they're asking for basically half of that instead of reporting accurate 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 2020-07-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Accounts Recovery Agency Inc.
State: TX

Complaint narrative:
I returned call to Account Recovery Agency # XXXX ext XXXX and spoke to XXXX from agency. I advised him to cease and desist calls to my employer since they have left calls at my employment. XXXX got very abusive on the phone and also called me back and left a voicemail on my work phone stating he was going to sue me. I called back with my fianc on the line since she is aware of collections laws since she is a manger for a call center and couldn't believe what I was telling her. She called and told XXXX this was a violation of the CFPB to threaten someone over the phone and on voicemail. XXXX got very ugly and would not let my fianc speak. She was trying to get facts about the debt and XXXX was refusing to provide information. My fianc asked if this was an unsecured debt or secured debt and when was the charge off date and XXXX said your fianc is a debt beat that had plenty of time to pay and since he has refused, he is going to regret it and they are going to pursue legal action. My fianc was blown away with the way the collections agency was speaking to both of us. I am not denying about the debt but couldn't believe the way this collector was speaking to us.

Company response to consumer: Untimely response