vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-24 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: MA

Complaint narrative:
I paid on time but youre listing me as late you need to update to paid as agreed. Please send me the docs that prove that I was ever late. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/XXXX/XXXX  30/60/90 PAYMENT LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 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: CA

Complaint narrative:
This Bk is reporting on my credit file in error and i've disputed it in the past

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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2019 I requested the method of verification for the bankruptcy to be mailed to me proving the method of verification, but I never received any documentation from Equifax and was told by the manager XXXX ( work id XXXX ) that they don't have to verify any information with me being the consumer. I also never received a response from Equifax via mail in a timely manner and had to call equifax to see why I never received a response in a timely manner. I am aware that the credit bureau has 15 days to provide proof of the method of verification, which no one has done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
We were previously in financial crisis due to a bankruptcy with XXXX XXXX ( loan Number XXXX ) they sold our mortgage just as we started a loan modification process to SLS ( XXXX ) new loan number. 

SLS started the foreclosure process and than offered us a modification. We jumped on the opportunity to stay in our home, where we have remained for the last 18 years. 

We have jump thru every hoop with Specialized Loan Processing, even following up with phone calls that were recorded, telling us we are on track and the modification is a go. 

We sent in every payment and we were told to continue to send in the payments and we should expect the loan documents to complete the process of the loan modification and we would be on our way. 

Well, they did a bait and switch ... ..they sent our XXXX payment back to our home address and it had nothing to do with lack of payment. We have made every payment faithfully and sent the checks 2 day mail with tracking to make sure there were no problems. 

Now, we find ourselves helpless and no where to turn for this deviant behavior from a large corporation. They should not be allowed to lead on a consumer and than pull the carpet out. 

this is so offensive to a family that is trying to save our home

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
False accounts on my 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 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
JPMCB HL Mortgage 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. ( XXXX, XXXX, & XXXX ).

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: CL Holdings LLC
State: FL

Complaint narrative:
Started a family plan with myself and my mother. She was diagnosed with XXXX XXXX XXXX XXXX In XX/XX/2013. I spoke with XXXX on many many occasions notifying them of our situation. The monthly statement clearly indicated there was zero use from XX/XX/2013 until her sudden and untimely death on XX/XX/2013. Documents show I continued to pay In order to keep my phone connected. After all, I just lost my mother who was only XXXX. The reps were plain rude, insensitive and of no help. They refused to allow me to end our plan. I was told verbatim, Do you know how many people fake their parents dying to  get out of a plan? Meanwhile Im sobbing and said check her usage. She has been hospitalized. I had her obituary for proof. I even have her death certificate. And still, XXXX could care less. So much for customer service. They stole from us. I have statements and emails verifying payments were made up until they refused to change our plan. One of their customers was now deceased and it was my word against theirs even though I had proof. And what a shame!! I wonder how many other customers they treat like this? 

Also, I dont see any correct dates for this account on my report. 

I tried calling the debt buyer in hopes of resolving this matter recently at which time I was conveniently dropped from the call @ XXXX and again when I called back and spoke to a different rep named XXXX XXXX XXXX last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I discovered that my card had been stolen when I received a bill in re to purchases made. I have always paid my account payments on time without issue and in XXXX paid the account in full. I have not used this card since that time. 

There were multiple items purchased including those that were delivered to an unknown address. The store has denied my claim of fraud stating that the purchases fall within my purchase pattern. Prior to these purchases, the card was rarely used and used last in XXXX, 2018 for XXXX items for children. I did not make any additional purchases. At this point, it has been almost two months. Total amount of fraudulent transactions is {$390.00} PLUS INTEREST and FEES.

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: GA

Complaint narrative:
This car was repossessed in XXXX XXXX/XXXX XXXX. The company said if we paid x amount they MIGHT let us get it back. Could not take a chance with a MIGHT and you want XXXX plus dollars to maybe give the car back. I let it go. The company sold this car for about {$2000.00}. They could have gotten way more. They completely low balled this sale and want $ XXXX from me after selling the car. The car was in good condition and I had just put a new transmission in it worth XXXX. The interior was good the exterior was good. No damage whatsoever. I cant believe how much they lowballed this sale and expect me to pay XXXX. This company is unethical and broke the law when they sold a car in that condition for only 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 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: TX

Complaint narrative:
False accounts on my 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 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: TX

Complaint narrative:
False accounts on my reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I was in the middle of refinancing Pennymac home loan at XXXX XXXX XXXX XXXX NV XXXX with another Bank and I signed closing papers with notary on XX/XX/XXXX. 
To my dismay I received correspondence from new bank on XX/XX/XXXX stating that they require additional {$560.00} to close loan since Pennymac rep didnt provide correct payoff info to new bank and the reason being Pennymac had to pay extra insurance payment. I do believe that this insurance payment is not necessary since Pennymac already paid {$960.00} to XXXX insurance on XX/XX/XXXX and also paid another {$250.00} on XX/XX/XXXX to another insurance company from escrow account. Some how I was asked to wire additional {$560.00} to close loan due to fact Pennymac rep didnt do due diligence when they fax wrong payoff info to new bank which could possible resulted in late fees and also pay extra mortgage to pennymac as well as new bank at the same time since XX/XX/XXXX. I kindly request Pennymac refund additional {$560.00} payment that I had to pay to new bank due to wrong payoff info provided by Pennymac rep which resulted in me spending extra money / time and mental break down since I was told my loan was closed on XX/XX/XXXX.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
On my Equifax credit report I have an incorrectly reported {$50.00} balance owed to my university. I have disputed this balance twice with Equifax, as the account balance was settled in XX/XX/2019. I have also checked with the University to determine if the issue is on their end, but they have stated both times that the balance is reflected as settled on their end as well. I had to dispute this account on my XXXX credit report and it was settled and taken off immediately. 

Equifax suggested I get in touch with the University to expedite the process of having the incorrect balance removed, and it has done nothing. I don't understand why Equifax can just keep an incorrect balance on my report as it is affecting my credit.

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: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a very strong credit history, with a score in the 740-760 range. Further, I have a longstanding good relationship with Capital One ( no missed payments ). They denied me for a XXXX credit card today. By the information on their website, this card is available to people with good-excellent credit. Applicants can even have late payments on their credit and be approved. I have no late payments, nor collections, etc, and they denied me anyway. When I called to determine why, I got stuck in a loop of people who barely spoke XXXX, did whatever they could to get me off the phone and refused to provide additional information. It is my belief that Capital One has blacklisted me because I previously requested a change in the terms on my current card. They should re-review and approve my application for the XXXX card because I am deserving, both based on my credit history and relationship with them. There's no reason I shouldn't qualify for the Mastercard and even less of a reason I shouldn't qualify for the store-only version.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
THIS INQUIRY SHOWED ON MY CREDIT REPORT AND I DID NOT AUTHORIZE ANYONE TO PULL MY REPORT. MY REPORT HAVE A CREDIT FREEZE LOCK. SO I AMAZES ME HOW THEY COULD HAVE MAY AND INQUIRY OR GIVING ACCESS TO MY REPORT. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 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: N.A.R., Inc.
State: UT

Complaint narrative:
North American Recovery # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX are double reporting an account on XXXX. This is the same account and it is really old and should no longer be on my credit, as well as they should not be double reporting. The North American 's original creditor is the XXXX XXXX XXXX but the XXXX XXXX XXXX is still reporting a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Saks Credit Card Company is consistently charging a late fee even though payments are made on time every month! Company intentionally adds charge then removes it, which has an affect on the balance of account, fees and interests charges.

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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX are double reporting an account on Experian. This is the same account and it is really old and should no longer be on my credit, as well as they should not be double reporting. The XXXX XXXX XXXX original creditor is the XXXX XXXX XXXX but the XXXX XXXX XXXX is still reporting a collection.

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 — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I made a promotional purchase with XXXX XXXX ( Comenity Bank ) and my account was set up for automatic payments to pay off the balance in full during the month the promotional rate was set to expire ( $ XXXX/payments per month up to and including XX/XX/2019 ).  However, the promotional rate expired on XX/XX/XXXX which was prior to the scheduled payment due date of XX/XX/XXXX and I was charged $ XXXXin deferred interest! It was not clear in the terms and conditions that when you're set up for automatic payments, and the automatic payment would cover your total balance due in the month the promotion expires that you would need to actually make 2 payments. One payment for any promotional balance and another payment to cover any non-promotional balance. Furthermore, why are banks like Comenity making the promotional expiration date different from the payment due date in the same month? This adds an unnecessary layer of confusion for customers and leads to many, many people getting hit unnecessarily with deferred interest which seems to be playing into Comenity 's favor. I called and asked for the deferred interest to be reversed and they refused even after explaining how having two different due dates in the same month is confusing ( I spoke with three different people ). I am a long time customer, with an excellent credit score ( 830+ ), who has spent tens of thousands of dollars with Comenity and I don't raise complaints lightly. I have to believe this is affecting a large population of consumers who get penalized for situations like what I described above.

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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I purchased a home in XX/XX/2019 and I obtained a loan that Shellpoint Mortgage became the servicer for ( LOAN # XXXX ). At that time I had my property taxes & homeowners insurance added into an impound account. In XX/XX/2019 I called Shellpoint to notify them that I had canceled my insurance and paid for it out of my pocket. I asked them to remove the payment amount from my escrow that they are collecting on a monthly basis. Shellpoint required me to send in an email with all the verification to show. I did so on XX/XX/2019 and Shellpoint responded verifying that they received the email. In the email, they stated that they would review and correct the issue. Since then I have called several times and spent hours on the phone with them trying to get Shellpoint to stop collecting the Insurance payment amount. Every time I've called they state that they are working on it and it takes 7-10 business days to resolve. The problem is that it has been 105 days since my request in writing and 74 Business days since. I would like to know why it's taking so long an where my money that they are collecting is going? Please help me resolve this issue. 

Thank you, XXXX XXXX XXXX XXXX Shellpoint ( LOAN # XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
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: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify)
State: OH

Complaint narrative:
THIS INQUIRY SHOWED ON MY CREDIT REPORT AND I DID NOT AUTHORIZE ANYONE TO PULL MY REPORT. MY REPORT HAVE A CREDIT FREEZE LOCK. SO I AMAZES ME HOW THEY COULD HAVE MAY AND INQUIRY OR GIVING ACCESS TO MY REPORT. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX are double reporting an account on XXXX. This is the same account and it is really old and should no longer be on my credit, as well as they should not be double reporting. The XXXX XXXX 's original creditor is the XXXX XXXX XXXX but the XXXX XXXX XXXX is still reporting a collection.

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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX are double reporting an account on XXXX. This is the same account and it is really old and should no longer be on my credit, as well as they should not be double reporting. The XXXX XXXX XXXX original creditor is the XXXX XXXX XXXX but the XXXX XXXX XXXX is still reporting a collection.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is not allowing my mortgage company to pull my report. XXXX provides the, with error XXXX. I report this to XXXX and they in turn tell me nothing is wrong while not giving an excuse as to what the error is. 

This is preventing me from getting my mortgage and closing on my house.

Company response to consumer: Closed with explanation