vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-18 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 applied for a loan today XX/XX/2020 and I was not approved due to having three accounts from Dept of ED/XXXX in negative standing appearing on my credit. Those accounts are not mine and I did not allow anyone to open them in my name. I have no idea who is responsible for opening these accounts in my name without my permission but I have already filed a police report as well as a complaint with the CFPB regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I ever make any payments towards these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: GA

Complaint narrative:
Experian is reporting 8 inquires on my credit report that they did not verify my identity. I have a fraud alert on my credit file which is not being verified. I did not authorize consent of these inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XX/XX/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 2020-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX XXXX XXXX calls multiple times a day without identifying themselves through the call ( except once today so I finally got the company name but not the agents ), they never state if the call is being recorded agent just repeats dont hang up multiple times without ever moving on from that phrase, like they want you to hang up. Im not sure what they are trying to do, Ive tried to get past the dont hang up phrase but he never moves on. I feel like they are try to get me to fall into a trap, by using evasive tactics and never really speaking with me. Its making me uncomfortable and Im getting the feeling like Im being verbally abused without vulgar language.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Year 2015 while taking engagement pictures, our car was vandalized and all personal items were stolen including car keys, please consider photos were being taken outdoors for our wedding and we could not have any of our personal items on hand. A bystander alerted us that are car had been broken into. Police were immediately contacted and a report was made. Quickly, I became a victim of fraud. 
All banks, credit cards were contacted. The occurrence became to spiral out of control as my perpetrators had access to all mail box keys and began opening new accounts, conducting unauthorized transactions, forging signatures. I was continually being taunted. 
Bank of America has stated I am held accountable for not keeping my personal items safe and reported fraud on my credit report and has continued to prevent me from having accounts.

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 2020-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
On XX/XX/2019, we closed on a refinance of our house with XXXX of XXXX mortgage. At the closing, we paid {$660.00} as the initial payment into our escrow account and an additional {$2200.00} for property taxes. Since we closed at the end of the year, we were asked to pay the full amount of the property taxes for the year. I contacted our loan servicer from XXXX of XXXX and explained that the actual amount of property taxes would be {$1100.00} due to a property tax abatement on our property. She said the additional amount paid- {$1000.00} would be deposited in our escrow account. In XXXX, before our first payment was due, XXXX of XXXX sold our loan to PHH Mortgage Services. When the escrow account was opened at PHH mortgage, the starting amount was only the {$660.00} we had paid at closing and did not include the additional {$1000.00} which we over paid at closing for property taxes. During the transition from XXXX of XXXX to PHH Mortgage Services, both mortgage companies paid our property taxes in the amount of {$1100.00}. I called PHH Mortgage Services in XXXX alerting them that the property taxes had been paid twice and that the escrow was missing {$1000.00}. After several months, PHH received a rebate from the city for our property taxes and {$1100.00} was deposited in our escrow account. I called again and asked where the remaining {$1000.00} had gone but I have yet to receive a response. I have called PHH 4 times over the last 5 months and each time I am told to wait 6-8 weeks to resolve the problem. I have waited this time but the situation is not resolved and we remain shorted by {$1000.00}. I have also reached out to XXXX of XXXX to see if they might be able to help but have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES AS IDENTIFIED AS INQUIRES THAT WAS PLACED AND REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I AM IN THIS POSITION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE BEEN LEFT TO DEAL WITH THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT BEING IN THE STATE THAT IT IS IN. MY LIFE IS AT A STANDSTILL AND THERE ARE SO MANY THINGS I WOULD LIKE TO ACCOMPLISH. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE INACCURATE ACCOUNTS AND INQUIRES HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: Nelnet, Inc.
State: MA

Complaint narrative:
This XXXXNELNET report is ridiculous. The late remarks starts at Late 90 days without prior late remarks and it is right after a good payment. I need this to be corrected or taken out for inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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 am filing this report because I was denied from opening a credit card at XXXX today XX/XX/20 because apparently there are three accounts with negative payment history appearing on my credit report. The accounts are from XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. None of those accounts belong to me nor do I have any written or verbal contract with any of those companies. I am not responsible for any of those accounts nor did I ever benefit anything from those accounts such as money, goods, services or any other benefit. I also never made any payments towards any of these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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 am filing this report because I was denied from opening a credit card at XXXX today XX/XX/20 because apparently there are three accounts with negative payment history appearing on my credit report. The accounts are from XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. None of those accounts belong to me nor do I have any written or verbal contract with any of those companies. I am not responsible for any of those accounts nor did I ever benefit anything from those accounts such as money, goods, services or any other benefit. I also never made any payments towards any of these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.

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 2020-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
they call every day-hang up when I answer to tell them this is not " XXXX  '' number, When they leave messages they mention that name. Its a new phone to me but apparrently XXXX had this number before me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal is reporting a closed credit card account on my XXXX Credit Report that I was an Authorized User on. I've already contacted Navy Federal to have the account removed from my credit file as I was not responsible or liable for this credit card. I also removed myself as an AU from this credit card before the amount went negative so I do not understand why the history past XX/XX/2017 is showing on my credit profile. I received notification from Navy Federal that the account would be removed immediately from my credit profile however it is still showing on my file and negatively impacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18 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: BBVA FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/2018 received BBVA Card. I immediately started automatic payments. XXXX my first payment didn't go through. I received no alerts. Again in XXXX. I noticed in my checking there were no withdrawals. I spoke with BBVA for 15 hours to resolve this. They said their system had a glitch but was fixed and they would remove the late payment. They never did. I paid off my card in full and closed it a year ago. Tho I have continued to dialogue with them and they say they will, they have never removed the late payments from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
There are three issues that resulted in customer confusion and ultimately the misapplication of fees and interest to my Bank of America credit card account after I had set up an automatic monthly payment starting in XXXX. 

Issue 1 : The Automatic Payment, set to process on the " due date '', would not process until 1-5 business days after the scheduled due date. For example, in XXXX, my bill was due on XX/XX/XXXX. The autopay was set to process on the " due date '' in Bank of America 's system, but it did not process until XX/XX/XXXX. See attached. 

Issue 2 : The Automatic Payment, set to process the " Amount Due '', did not process the monthly statement balance, rather the minimum amount due plus any fees/interest. This is highly confusion because Bank of America offers 4 payment options for the Automatic Payments : Minimum Amount Due, Amount Due, Account Balance, Fixed Monthly Rate. None of these accurately describe paying the monthly statement balance ( what Bank of America apparently calls Account Balance ), but Account Balance is a misnomer in of itself. 

The result of these two issues in the Automatic Payment system is that not only do customers autopay their bills later than the due date and incur late fees, but that interest is assessed on the remaining statement balance due because the AutoPay only pays the " Amount Due '' - or in Bank of America 's terms, just the minimum due plus fees/interest. This is not only confusing, but potentially exploitative if intentional - especially on an AutoPay system that is designed to make payments easier and less of a hassle. 

Lastly, it is worth noting that the customer support specialist and the credit card account specialist noted that this is a source of confusion for multiple customers. The credit card account specialist even indicated that she had put in a note about the issues for prior customers multiple times. As an informed customer already with multiple credit card accounts on automatic payments across multiple banks, this should not have been an issue - but I doubt I'm the only one who has had this issue. Here 's a blog that also describes the same issue from XX/XX/2019 : XXXX XXXX XXXX  Fortunately, I caught this in just under two months and under {$100.00} in late fees/interest. After only an hour on the phone with Bank of America, they were able to credit the fees and interest over the two-month period and help me change my Automatic Payment options so this isn't an issue in the future.

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 2020-04-18 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: FL

Complaint narrative:
I check My credit. There is an Account That I did Not Authorize nor did I give anyone Consent to open Any account using my Personal information. 
This is Fraud.

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 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/2018 received XXXX Card. I immediately started automatic payments. XXXX my first payment didn't go through. I received no alerts. Again in XXXX. I noticed in my checking there were no withdrawals. I spoke with XXXX for 15 hours to resolve this. They said their system had a glitch but was fixed and they would remove the late payment. They never did. I paid off my card in full and closed it a year ago. Tho I have continued to dialogue with them and they say they will, they have never removed the late payments from my credit reports.

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 2020-04-18 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: PA

Complaint narrative:
XX/XX/2018 received XXXX Card. I immediately started automatic payments. XXXX my first payment didn't go through. I received no alerts. Again in XXXX. I noticed in my checking there were no withdrawals. I spoke with XXXX for 15 hours to resolve this. They said their system had a glitch but was fixed and they would remove the late payment. They never did. I paid off my card in full and closed it a year ago. Tho I have continued to dialogue with them and they say they will, they have never removed the late payments from my credit reports.

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 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX is reporting a closed credit card account on my Transunion Credit Report that I was an Authorized User on. I've already contacted XXXX XXXX to have the account removed from my credit file as I was not responsible or liable for this credit card. I also removed myself as an AU from this credit card before the amount went negative so I do not understand why the history past XX/XX/2017 is showing on my credit profile. I received notification from XXXX XXXX that the account would be removed immediately from my credit profile however it is still showing on my file and negatively impacting 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 explanation
Consumer complaint received 2020-04-18 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: FL

Complaint narrative:
I check My credit. There is an Account That I did Not Authorize nor did I give anyone Consent to open Any account using my Personal information. 
This is Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: FL

Complaint narrative:
I check My credit. There is an Account That I did Not Authorize nor did I give anyone Consent to open Any account using my Personal information. 
This is Fraud.

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 2020-04-18 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:
ftc violations enclosed : The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] XXXX XXXX XXXX XXXX XXXX has agreed to settle Federal Trade Commission charges that its MINI Division violated the Magnuson-Moss Warranty Act by telling consumers that XXXX would void their warranty unless they used MINI parts and MINI dealers to perform maintenance and repair work.XXXX XXXX XXXX In XXXX of XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I cancelled the credit card with capital one back on XX/XX/XXXX. They said I owed them XXXX  dollars. I said I send you money each month to be put on the credit card. I have notI have called them, emailed them with no reply to the problem. used the card after XXXX. I have contacted the XXXX, Connecticut attorney general and the Department of banking. they have not gotten any thing back from them. This is running my credit. Their address Capital One XXXX XXXX XXXX N.C XXXX On Card which I cut up my name printed XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/15 I had a deposit of child support on to my ud bank reliacard. I have been unable to use the card since. I have called everyday and waites for up to 3 hours 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 explanation