vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I have been paying my mortgage timely since inception and haven't had issues until it was sold by XXXX. The new mortgage company refuses to timely post payments made which is grossly affecting my credit and ability to secure new loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$8300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Relin, Goldstein & Crane, LLP
State: NY

Complaint narrative:
unlawful credit card claims made by XXXX XXXX for passing business credit cards ending in XXXX and XXXX and engaging their law firm in collecting a false claim. I requested evidence of credit cards being personal credit cards and taken into my name with consumer credit card applications and consumer credit card agreements, none was produced since they do not exist. Instead piles of credit card statements were sent that proved XXXX XXXX engaged in Unfair Debt Collection practices in violation of the Federal Fair Debt Collection Act and New York State Fair Debt Collection Practices law. The piles of statements show that the credit cards were Plum Card, a business credit card for businesses with large cash flow an XXXX XXXX XXXX XXXX issued to XXXX XXXX XXXX XXXX, a C corporation and XXXX XXXX XXXX. XXXX XXXX own credit card statements are proof that the credit cards are business credit cards and not personal credit cards. Additionally a doctored letter with a XXXX date was sent as somehow it is a debt validation letter when debt validation can only be done by actual signed consumer credit card application application and consumer credit card agreement and not a disgraceful doctored letter with a XXXX date about card ending in XXXX referencing credit card agreement when card ending in XXXX was issued in XXXX, four years earlier. I have attached these proofs to show XXXX XXXX unlawful conduct

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Innovative Funding Services, L.L.C.
State: PA

Complaint narrative:
XX/XX/2020 XXXX ( innovative funding services ) improperly used a hard inquiry the gentleman that I spoke with stand by them said that I was approved for an amount to refinance a vehicle that is in my name and my daughter 's name because of the approval I he then said that he needed to speak with XXXX XXXX to see what the payoff would be that was given on the assurance of credit or funding loans to refinance as it turns out he falsely represented that his company was doing the payoff loan after after getting the information of the payoff he then wanted to pull from other companies I am formed him no I need them to remove the hard inquiry from innovative funding services off of my report ASAP the gentleman even added incorrect addresses on her report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone that stole my identity about 6 or 7 years ago just applied 10 times for a credit card. After declining it many times, they ended up accepting and sending them a card, now there are charges that they damaged my credit score. I was trying to refinance, when my consultant found put my credit was terrible because of XXXX XXXX. Apparently they are the worse credit card company to protect the victim and help the thief.

I reported the issue to them and after a while they decided to mark all of the 10 applications as fraud and in 60 to 90 days they would clean my record. We asked to have a letter sent to us so we could prove what happen and the action they were taking, it could help us with our refinance in the mean time, hey said no problem. When I decide to verify the address where they were going to send the letter, of course it was the XXXX address from the thieves, I asked to sen it to my address and they said they can not do that, they can only send it to the address in XXXX, even though I repeatedly explain that that was the fraudulent address. On the end we were not able to get them to sen us any proof. Now we were transferred to another department to take care of the open card that had the charges, they kept us passing us from one person to another one smarter than the previous, just to let us know after one hour on the phone, that the department that was handling this kind of issues was closed until Monday. So here I am asking myself if I should just go ahead and learn how to become an identity thief, so I have full protection and support from credit card companies like XXXX  XXXX. 

On the other hand I have to also give it to the Credit Bureaus which they are as equally incompetent and after many years fighting, police reports and enough compelling proof, they are still refusing to remove the XXXX fraudulent address that appears my credit report and has continued to do so for the past 7 years.

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 2021-05-02 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: FL

Complaint narrative:
I received a billing statement from Bank of America on my XXXX Credit card with payment due on XX/XX/2021. It had a late fee of {$25.00} plus an interest charge of XXXX for a total of XXXX. 

On XX/XX/2021. I called up the company and asked them to remove the fee since I didn't get the prior bill in the mail. The USPS has been having problem delivering all of my mail. 

Bank of America said that it would not eliminate the fee ( even though I have ALWAYS paid my balance in full and on time while I have had this card ). They said that they didn't receive a notice from USPS that the mail was undeliverable. I told them I can not speak for the USPS but that I didn't get the bill, so I would I know to pay it or to advise them that I hadn't received it. 

The representative at Bank of America contacted her supervisor on my request to eliminate the fee. That supervisor declined. I told them this was unfair and unreasonable. I told them that I have always paid in full and on time, and they still did not eliminate it. 

I requested a closure of my account. I would like a refund of this fee. 

I found that Bank of America has been unfair and unreasonable during this period of Covid 19 when mail delivery has not always worked. I told Bank of America this and I told them that I would be reporting this your office and the consumer protection office or AG 's office ( whichever is relevant ) in the State of Florida. 

Please advise what other information you need from me, and how I can obtain this refund. 

I asked them three times to remove this fee and they went two additional supervisors to try and remove the fee. They all declined. 

Please advise.

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 2021-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
unlawful credit card claims made by American Express for passing business credit cards ending in XXXX and XXXX and engaging their law firm in collecting a false claim. I requested evidence of credit cards being personal credit cards and taken into my name with consumer credit card applications and consumer credit card agreements, none was produced since they do not exist. Instead piles of credit card statements were sent that proved American Express engaged in Unfair Debt Collection practices in violation of the Federal Fair Debt Collection Act and New York State Fair Debt Collection Practices law. The piles of statements show that the credit cards were XXXX XXXX, a business credit card for businesses with large cash flow an Simple Business Cash Card issued to XXXX XXXX XXXX XXXX, a XXXX corporation and XXXX XXXX XXXX. American Express own credit card statements are proof that the credit cards are business credit cards and not personal credit cards. Additionally a doctored letter with a XXXX date was sent as somehow it is a debt validation letter when debt validation can only be done by actual signed consumer credit card application application and consumer credit card agreement and not a disgraceful doctored letter with a XXXX date about card ending in XXXX referencing credit card agreement when card ending in XXXX was issued in XXXX, four years earlier. I have attached these proofs to show American Express unlawful conduct

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am on SSDI fixed income i am XXXX looking for a place to live. I had a secured CC $ XXXX limited.i used it to build my credit after transunion erased my history because I tried to change my address to correct after giving all kinds of proof they said ok but now you have no history so I spent around $ XXXX building got it to XXXX well I am looking into home purchase I needed the $ XXXX secured to CC with XXXX I will get a new card unsecured use the money for down payment. As soon as I paid off CC closed it to get different card put XXXX in savings. I have know debts. But transunion dropped my score 68 points putting me from good XXXX to a borderline poor/fair for paying off card. Now I can't get the new card and no chance of buying anything not only that but they erased my XXXX years of perfect payment so I have no chance of doing any of my plans to find a place to live they screwed me royally just like wen I asked them to use correct address they erased everything. The first time I had financed a truck and motorcycle but they erased that that history was 10 yrs at least. They still won't change my phone num, not wat they have on file. BECAUSE I PAID OFF MY ACCOUNT TO PURCHASE A HOME THEY DROPPED MY SCORE 68 POINTS ERASED MY PERFECT 11/2 YRS OF PAYMENT HISTORY. LEAVING ME W POOR CREDIT AND NO HISTORY THEY WOULD RATHER ME LEAVE $ XXXX ON CARD PUT IT IN A DRAWER RATHER THAN USE IT TO BY A HOME I CANT AFFORD TO LEAVE $ XXXX SITTING IN A DRAWER TO MAKE THEM HAPPY. Now I have no chance of purchasing home can't get new card because now it has to be secured again I need that cash to live on I am basically screwed no home no CC all because I paid off my card. I am so mad I am looking into an attorney to file a law suit. Who governs these co. That who I need to talk to.they also kept derogatory info on account for 3 yrs after equifax removed transunion finally cleared after 3 disputes messing w my credit that whole time keeping me low points. I am out for blood I will do wat it takes file wat ever I have to testify in court they are screwing up my well being especially during covid I have been working on this for 5 yrs and gone in one day all the money I spent to get my XXXX just to purchase a home all history now thanks to trans union. I will be working up corporate ladder someone will eventually listen starting with XXXX XXXX and XXXX XXXX offices. If you have any leverage I thank you like to settle out of court but I am in for the long haul someone needs to make an example for others I know I am not the only one. And to do during Covid that takes a real dirt bag of a co. To do that EXTREMELY XXXX XXXX XXXX XXXX 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 2021-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Waiting since summer of XXXX for new car. Car came in on XX/XX/XXXX. Did not know car was coming in on that date so did not have certified check ready. Car dealership refused to take personal check or credit card for full amount of the car. This was late on a Friday with no means of getting certified check or cash withdrawal of that size from bank. In order to avoid hassle of getting certified check or cash withdrawal, dealership offered an auto loan with reassurance multiple times that if paid in full after receipt of account information by mail that there would be no extra cost incurred by temporarily taking the loan. No information was provided on how to pay the loan at the time of sale and was told this would be mailed to home address. Documentation received at time of sale stated no payment was due until XX/XX/XXXX. It took several weeks to be mailed account information regarding loan and thus had no way of knowing who the account was with, what the account number for the loan was, how to contact anyone about the loan or how to pay the loan. Upon finally receiving the account information and learning that the account was with Bank of America, check in the full amount of the loan was immediately sent and cleared account on XX/XX/XXXX. Subsequently called Bank of America and was assured there would be no finance fees as loan was paid in full and release of lien would be mailed. This phone call was approximately around XX/XX/XXXX. Subsequently received another statement that finance fees still owed. Called Bank of America again on XX/XX/XXXX who denied prior conversation. Was assured by XXXX XXXX that recording or transcript of this conversation on XX/XX/XXXX would be pulled and Bank of America would call me back with outcome. Have not received any phone call from Bank of America. Have not received release of the lien for the car.

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 2021-05-02 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: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company KIA MTR FIN account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$8300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Our loan was sold to PHH Mortgage company. Initially, there were no issues. However, our insurance and taxes are paid into escrow. PHH failed to make our insurance payment due XXXX despite TWO invoices appropriately being sent from our provider. It was not until we had to call ( 30+ minute wait ) during their " limited COVID-19 hours '' of M-F 8-6pm and specifically request that they disburse funds that the payment was made. Thankfully we monitor our notices from our insurance company. 

Secondly, despite all previous servicers accepting internet payments ( or app payments ), PHH refuses to accept an electronic payment WITHOUT a signed Note Allonge which would allow them to charge {$19.00} for mere acceptance of our payments. In addition, during the 60 day " grace '' period they accepted such payments ( without fee ) but never, not once, in writing or otherwise provided notice of the " need to sign a note allonge. '' I have reviewed the Note allonge ( provided ONLY after I called and after 15 minutes discovered that was the " reason why '' I could not pay on the app, and that was NOT what the representative originally stated ) and patently refuse to sign it. It is inaccurate, misleading, and would give them carte blanche to charge unnecessary fees ( for which they have been subject to a lawsuit, which is where I guess the requirement to sign this form comes from ). Both myself and my spouse work in fields which routinely review and evaluate notes. I know that our original note allows for electronic payments, but it does NOT provide for the absolutely unfounded fee that PHH wants blanket approval to charge AT THEIR DISCRETION. So, I will pay by check. I will also be closely monitoring to ensure all payments are applied. 

This company is misleading, their advertising is misleading ( i.e. " Pay via our APP '' ), their customer service is not educated or helpful, and they have now failed in THEIR obligation under my note to timely make the escrowed payments. And of course, there is no recourse that we can take OTHER than to submit this complaint as the note was sold by our previous servicer and payors ( who are NEVER late ) have no ability to request a change in servicer from this disreputable company. PHH has violated our note, is seeking a self-serving note modification to benefit only their interest and profits, and has no care for their customers.

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 2021-05-02 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:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-02 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Reviewed a copy of my credit report and seen accounts that are fraudulent and does not belong to me. The accounts need to be deleted from my credit report immediately. This is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : BEST BUY/CBNA  # XXXX, XXXX XXXX XXXX XXXX # XXXX, 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