vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Between XX/XX/2019 to XX/XX/2019 Navy Federal has charged my account over 10 overdraft fees. I followed their procedure and submitted unauthorized debit forms in order to have the transactions investigated and they have not investigated any transactions. As per their policy they refund the funds until their investigation is complete and Navy Federal has simply been uninterested since the beginning in resolving any of my concerns which is why I am making a point to make my concerns known and will continue to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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 just check my credit and i notice that someone brougth a car using my personal information I did not Authorize anyone to do such a thing this account is fraud and i would like this account to be removed from my credit. 
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 2020-02-21 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:
On my Credit Report ( see attached ) : Former Address ( es ) 1 ) XXXX - It shows that I lived in Louisiana, XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX, which is not correct. All my life here in the United States, I've only lived here in XXXX XXXX County California area. 

The Following AKA ( s ) were reported 2 ) Experian - I have an AKA on my report as : which is totally not me. 
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 non-monetary relief
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
To Whom it May Concern : This is the 10th time I am disputing and pleading for correction on my mortgage account. Shellpoint is not taking the initiative to complete my review for my escrow account. referencing XXXX Escrow account. Shellpoint Mortgage servicing fail to complete an escrow analysis within 60 days of the loan transfer. Shellpoint mortgage fore placed insurance onto my property wrongfully and so as XXXX XXXX XXXX  which is the original lender of this mortgage. I have called and spoke with numerous customer service representative who assured me that all has been taken care of. based on the last escrow analysis, the analysis came back {$38.00} short. I went onto their website to make this payment only to find out the system would not accept my payment due to fees owed of {$220.00}. I have never heard of this fee and have no idea what this fee is even for. I have not had ANY late payments with shell point mortgage. why am i being treated like this? is it because my home has equity position? why are there multiple moving parts to my mortgage loan when I don't own and isn't behind on any payments? please remove the fees of {$220.00} and update my mortgage account according.

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 2020-02-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Made {$2100.00} payment with all extra to be applied to principal. Normal payment is approximately {$720.00}. This is the 6th time along with another loan in the past year that BMO has not applied the extra  principal or in this case the extra principal payment has disappeared completely from the payment. This last happen around XX/XX/18 where I filed a complaint with the Consumer Finacial Protection Bureau.  Complaint # XXXX-XXXX. I have reached out to BMO Harris at my local branch, but they are having no success with corporate office on rectifying this problem. I have to believe they have either singled me out for harassment or the problem exists with thousands of BMO Harris mortgage holders. In either case there should be an external audit of their mortgage department. I am forward this complaint to the Arizona Attorney General and the Arizona and Illinois Division of Financial Institutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21 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 just check my credit and i notice that someone brougth a car using my personal information I did not Authorize anyone to do such a thing this account is fraud and i would like this account to be removed from my credit. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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 just check my credit and i notice that someone brougth a car using my personal information I did not Authorize anyone to do such a thing this account is fraud and i would like this account to be removed from my credit. 
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 non-monetary relief
Consumer complaint received 2020-02-21 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: CT

Complaint narrative:
I pulled my credit report and noticed accounts that have been investigated and deleted by another credit bureau are still being reported by Experian. Attached to this letter is proof that these accounts were deleted. Please follow XXXX XXXX delete these accounts for accurate reporting. They must be deleted in order to show my true credit history. The accounts are noted below : XXXX XXXX- XXXX XXXX XXXX - XXXX If these accounts were requested to be removed by the creditor from the other credit bureaus they should have been deleted from Experian as well I spoke with the company and they confirmed that they sent the deletion request to Experian but nothing was done!! these accounts need to be removed ASAP!! The next account is the company XXXX XXXX   XXXX is reporting on my credit i have advised multiple times that the account was open fraudulently using my information but yet they keep saying it has been verified OF COURSE THE NAME AND DOB & SSN IS GOING TO MATCH IF THE ACCOUNT WAS OPENED FRAUDULENTLY USING MY INFORMATION!!! I even attached an email from them saying that the account is not mine and they will be removing it. but yet it is still on my credit report. Experian is not doing their due diligence to look into the account & remove it. I have done everything i needed to do to report this account as fraud the moment it popped up on my credit report. The next account is XXXX XXXX/XXXX XXXX XXXX this company did not validate the debt and confirmed to delete the account but has not been done. Also XXXX/ XXXX XXXX XXXX is not reporting correct information and needs to be deleted to reflect my true credit report! The next account is XXXX XXXX XXXX the account does not belong to me. I have disputed with the company directly and they confirmed to delete the account and it has not been done with experian. The other account XXXX XXXX XXXX was open fraudulently and i did not authorize the account to be opened. Lastly the names that are reporting on my credit report are inaccurate XXXX XXXX name id # XXXX XXXX XXXX name id # XXXX. These accounts needs to be deleted as experian is not showing my true credit report with reporting inaccurate 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 2020-02-21 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: TN

Complaint narrative:
Received a denial for a loan I never applied for from a company called SageSteam LLC. A personal loan offer popped up on my XXXX for a company called XXXX XXXX with a ridiculous 98 % interest. Apparently this company thinks that simple looking at their offer is the same as accepting it. Both SageStream and XXXX XXXX companies are questionable, I would even say fraudulent. I'm just thankful that they declined it and I did have to start some kind of drawn out legal battle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
The loan was paid in full on or about XX/XX/19. There is a balance of escrow in the amount of XXXX due back. To this date the loan company HAS NOT refunded this amount, even after numerous phone calls to customer service/escrow dept.

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 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
On XX/XX/2020 I purchased 15 twin mattress for a XXXX XXXX the total cost was {$3300.00}. The sales clerk offered a 90 day same as cash with NO CREDIT check option. I have excellent credit and try to keep my inquiries at a minimum. I took the option knowing I would have this paid off within the 90 days to avoid any interest. The time for me to pay {$2000.00} back is anywhere from XX/XX/XXXX - XX/XX/2020. I check my CB almost daily due to the industry I work in requires I keep good sound credit so I keep tabs on it. I noticed on XX/XX/XXXX Acima Credit reported to the bureau I opened credit with them for {$4500.00} on XX/XX/2020. This is not factual I opened credit/lease on XX/XX/XXXX and the amount granted was {$2400.00} of which only {$2000.00} was utilized. How can they say I owe {$4500.00} when I only used {$2000.00}? I asked how can you report interest before its earned? The company says it's not interest but a daily lease fee on a 12 month lease. I asked again how can you report a fee in advance of it being earned? He said again it was not a fee not interest but a daily charge. This makes no sense and sounds predatory. For individuals with bad credit and not credit conscious they can get away with these practices, however I'm astute enough to know this is wrong. If you grant {$2400.00} then the line item should reflect {$2400.00} with a balance of {$2000.00} which I've made a payment so the amount owed is {$1600.00}. How is the balance and credit {$4500.00} regardless of payments made? The rep told me they are not a credit card but a lease ... so they do it differently. I'm old enough to know 2+2=4 and 3+1=4 it all has to make sense and this doesn't. Acima Credit should be investigated for predatory behavior and reporting erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
midwest recovery systems popped up on my XXXX credit report today, im sure the other two are to follow. i have never heard from this company, received a letter from this company, nor received any phone calls from this company. lastly they do not have a license to collect debt in the state of texas. this need to be removed from my credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This morning at XXXX XXXX I received a debt collection call which woke me up right after I had finished with work. Then they continued to contact my family telling them how they were looking for me to collect debt. Both of these things break the FDCPA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I phoned Bank of America about interest charges that they charged me that I felt were charged incorrectly/unlawfully. They told me that they are required by the government to allocate my payments to the cash advance before my most recent purchases, even when I am paying more than the minimum and well over the minimum + purchases + paying down the cash advance. 

They are now stating that because the account has a balance ( due to the 0 % cash advance amount that should not be charged interest until XX/XX/XXXX ) they are charging me interest on the small purchases I more than pay for every month as I am trying to pay off the cash advance in a timely manner. 

I pay the minimums + whatever I purchased during the previous statement billing cycle + additional money to pay down the 0 % cash advance and they are still charging me interest. 

On one statement it appears as interest on my current statements purchase ( at the rate of over 18 % ) even though I more than paid those off that month. 

On the next statement there is just a vague fee titled minimum interest charge. 

They would not reverse the fees and told me I would be charged interest on new purchase until I paid off my cash advance ( which has 0 % interest until XXXX! ). 

To the best of my understanding this completely violates the Credit Card Act of 2009.

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 2020-02-21 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
In XX/XX/2017 my reverse mortgage with XXXX XXXX was sold to Champion Mortgage. In the 6 + years with XXXX XXXX, I had no problems with XXXX XXXX processing any documents submitted to them. Since Champion Mortgage took over, I get 2nd and 3rd notices, annually, about submitting Annual Occupancy Certifications, property tax payments and home insurance even though they were faxed or sent within days of the initial notice. These notices become harassment, threatening mortgage default and or inspection cost for having someone come to verify my residency. I call them after each notification and they say the certification has been received and not to be concerned but then send out another notice. They have no email address and there is no way to prove communication with them. Phone conversations are never with the same person identifiable by 1st name only which is surely fake. They claim they can not email acknowledgements. They have only a PO Box address so there can be no registered mail to prove they receive anything. A fax receipt only shows that I sent the fax but not necessarily that they received it. I believe they are purposely not acknowledging receipt of, or processing the documents so they can find ways to add to my mortgage debit or ultimately foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Here is the contents of my earlier complaint so you can make the connection : " GMs claim was for {$620.00}. I paid them directly {$570.00} and XXXX paid them {$230.00} for my XXXX, thus they received {$800.00} which means {$180.00} of over-payment. 
Due to your intervention, I received last week a check for {$160.00} with NO EXPLANATION WHATSOEVER as to HOW it's calculated. 
" -- -- -- -- -- -- -- -- -- -- -- -- -- Alongside that complaint, GM Financial is still reporting that I owe them {$69.00} where, in fact, they owe me at least {$17.00}. 

Please correct this wrong information. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2020-02-21 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 non-monetary relief
Consumer complaint received 2020-02-21 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: AR

Complaint narrative:
I decided to get my credit pulled due to several bills I continued to receive in the mail. I have never heard from the place before. I immediately suspected my identity had been used. I reviewed my report and I was caught by surprise on things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$36000.00} XXXX  XXXX {$1300.00} XXXX   XXXX {$4400.00} DEPTEDXXXX XXXX {$1400.00} XXXX/XXXX XXXX {$0.00} XXXX XXXX {$34000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX {$530.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$7800.00} XXXX/XXXX XXXX {$960.00} XXXX/XXXX XXXX {$680.00} XXXX XXXX XXXX   XXXX {$490.00} XXXX XXXX XXXX {$530.00} XXXX/XXXX   XXXX {$270.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX   XXXX {$670.00} XXXX XXXX {$880.00} XXXX XXXX {$440.00} XXXX/XXXX  XXXX {$2200.00} XXXX   XXXX {$740.00} XXXX/XXXX XXXX  XXXX XXXX {$3200.00} XXXX XXXX XXXX {$1300.00} XXXX/XXXX XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I been receiving my Dr 'S. bill and been mailing {$50.00} a month as of today I have a balance of {$150.00}. Without notice they send me to collections!!!. I contact them and they said its because i have a balance. In the old days as long as you making a payment in good faith that was enough ... .WHAT HAPPEN, DRS OFFICE ARE GETTING.GREEDY! THEY ARE ALSO SENDING THIS TO RUIN MY CREDIT SCORE! 
thank you XXXX XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I leased a car from Hyundai Motor Fin. at the end of the lease I turned the car in. They charged me XXXX excess mileage. However they closed the lease and stated that they will send me a payment plan for the mileage. I never received the plan and now they are reporting the car late each month when they have the car

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
XX/XX/2020 I called the company to make a payment ... in efforts to avoid repossession of car. 
But they want to charge me a fee to process over the phone. 
I cant afford a regular bank account with a routing number, and they dont give me the option to pay with debit card online unless its over the phone but the obligate me to pay {$6.00} fee I cant afford due to financial crisis and loss of job, due to my XXXX,

Company response to consumer: Closed with explanation