vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 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: PA

Complaint narrative:
I had received forbearance on my student loans through XXXX, but they refuse to update their reporting to indicate such. As per Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act and the FTC 's published opinion of that section, they are obligated to update that information. Forbearance acknowledges that no payments were due for that time period, and as per the FCRA and the FTC 's opinion on it's interpretation, XXXX must reflect that status with its reporting of me. I have received forbearance for the period of XXXX XX/XX/2019 as well as XX/XX/2019 through the current date, and have letters and documentation from XXXX indicating such. Despite trying to work with XXXX multiple times, they have not admitted this obligation due to me as a creditor and refused to accurately report these accounts. This is preventing me from finding housing and unfairly adversely affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: PA

Complaint narrative:
I had received forbearance on my student loans through XXXX, but they refuse to update their reporting to indicate such. As per Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act and the FTC 's published opinion of that section, they are obligated to update that information. Forbearance acknowledges that no payments were due for that time period, and as per the FCRA and the FTC 's opinion on it's interpretation, XXXX must reflect that status with its reporting of me. I have received forbearance for the period of XXXX XX/XX/2019 as well as XX/XX/2019 through the current date, and have letters and documentation from XXXX indicating such. Despite trying to work with XXXX  multiple times, they have not admitted this obligation due to me as a creditor and refused to accurately report these accounts. This is preventing me from finding housing and unfairly adversely affecting my life.

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 2020-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I informed this company that it was a fraudulent account, showed them that the account was removed prior to it being given to a collection agency. 

They responded with an itemized invoice, and billing statements - which serves no purpose. If the account was fraudulent, it being used has nothing to do with it being fraudulent. 

The account was also blocked from all bureaus, CFPB, In XXXX of 2019, FCRA 605b.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/XXXX I received an email alert from XXXX XXXX that one of my accounts had been closed. When I looked into it, I learned that Bank of America had closed my credit card because I was labeled as " Deceased ''. I immediately called Bank of America, where they confirmed that they did close my account due to receiving a notice that I was dead. I explained that I was not deceased ; however, I am the trustee for my aunt and that she had passed away XX/XX/XXXX. We have her trust account with BoA and clearly, they mistook her for me. After proving to the Estate Dept at BoA that I was who I said I was, and that I was clearly not dead, they reopened my credit card. 

Now I find that are problems with all of my credit reports because of their mistake. So much of a problem, that I can not even access my credit scores through XXXX XXXX because my " information does not match credit reporting ''. 

My aunt was never associated with my credit card. We have completely different names. She has never lived in XXXX, nor have I ever lived in XXXX. Different birth dates, different social security numbers - Clearly Bank of America did not do their due diligence before making the decision to close my account and subsequently ruin my excellent credit rate!

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 2020-04-14 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: Exeter Finance, LLC.
State: WI

Complaint narrative:
I do not recognize this company and is on my report twice within to month

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I applied and got approved for a new Citi credit card. I never received the physical card in the mail and therefore did not have my full credit card number. Without an entire credit card number, I am unable to set up an online profile to have access to my account information and make payments online. 

A few days ago, I received an email from Citi stating that I have an amount due. I try calling Citi multiple times but was unsuccessful. A voice message indicates that they are experiencing high call volumes, to try again later, and then disconnect. I call at different times of the day and night with no success. 

I am concerned that Citi will keep this going until the amount is past-due and that charge me higher interest rates, unfair late fees, and report me to the credit agencies, thus damage 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 2020-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I have been trying to get PMI insurance removed form my mortgage company XXXX Freedom Mortgage XXXX since XXXX XXXX, XXXX! 
Today is XX/XX/XXXX. 

According to Freedom Mortgage, you must email their general mailbox at XXXX. 
( I have all the emails and messages I send to them, using their own website ) This mailbox and process is worthless. 
Calling them is a waste of time as you can not get anyone on the phone. 
When you do wait over an hour for someone to pick up, they can't help you. 

This is beyond ridiculous. I was even trying to get them to refinance my loan, which they haven't contacted me about that either. 

My home is appraised at $ XXXX. I owe $ XXXX. 

Someone. Please help me. I don't know what to do. 
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 2020-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: SC

Complaint narrative:
Recently, all of my remaining student loans went into FORBEARANCE, which I did NOT request. I am totally aware this is due to the current COVID-19 situation, and I appreciate that this is helping those who are struggling ; however, I am actually quite fortunate right now *knocks on wood* and would much rather continue to pay. 

The 0 % interest rate is great though ; I am certainly not complaining about that. 

I contacted MyFedLoan, and they said they would fix it, but that has not happened. 

1. I certainly do NOT want FORBEARANCE mentioned on any of my credit reports ; being my FICO score is 830+, it would make me look risky as if I could not afford my {$200.00} ish payment, which is not a problem for me whatsoever. 

2. The loans without forbearance with regular on-time payments are scheduled to be paid in-full by me at or about the end of XXXX, and with FORBEARANCE this will either extend them into XXXX or make a lump-sum due neither of which I really desire. 

Background information : I am nine ( 9 ) years into re-payment having never been late and never missed a payment. I actually have enough to pay all 5 of the loans off in-full, but I would rather keep paying as I was paying before COVID-19.

I DO want to keep the 0 % though.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14 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: DISCOVER BANK
State: WI

Complaint narrative:
My credit score is lower then should be due to " too many inquiries '' per XXXX XXXX : I see that Discover financial inquired on my credit report on XXXX XXXX, 2019 : this inquiry is improper as no reason to inquire. 

I request to investigate and remove that inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/2020 I received a letter from PayPal stating they were planning to send me a PayPal debit MasterCard soon. It explained that if I did not want the card, I would have to log in and cancel it by XX/XX/2020. I do not believe it is right that I have to inform them NOT to get a debit card. You did not have an option for debit cards so I filed this complaint as a credit card problem. I feel that PayPal 's unsolicited delivery of a debit card should NOT be allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX/XXXX violated my 609 rights by reporting incorrect information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXXXXXX reported to the TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.

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 2020-04-14 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: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 
XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX   XXXX, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX  XXXX   XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX  XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX  XXXX, XXXX  XXXX   XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX-XXXX, XXXX-XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and adequate information on my credit report. 
My personal information on my credit report is inadequate as well. I have requested to have my addresses, phone numbers, and name corrected on my report, this is a violation of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I received my economic stimulus payment yesterday and American Express has locked the accounts of THOUSANDS and is refusing to answer the phones. I have been on hold for 15 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
DEAR MADAM/SIR, CFPB : Savit Collection Agency, send me a letter dated : XX/XX/XXXX. and it was received on:XX/XX/XXXX. The collection Agency above is asking me to pay them, {$100.00} do to XXXX  visits in the past year, XXXX. This payment and or payments where already PAID IN FULL bye XXXX, my insurance company part B. PAID ALL THE PAYMENTS TO THE XXXX. And I do not owe anything to the Collection Agency.. Respectfully yours ; 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 2020-04-14 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Early Warning Services is reporting that I committed checking account fraud. I have never committed fraud against any Financial Institution. Also, this company has a address listed on my consumer report that i have never been associated with. I have filed a police report and also I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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 — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American express has a debt of over XXXX on my credit report that is not mine, and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: NC

Complaint narrative:
I contacted Experian via certified mail to inform them of SIX unauthorized inquires to the following that I demanded be deleted from my credit report : 1. XXXX XXXX XXXX inquiry date of XX/XX/18 ) 2. XXXX XXXX XXXX inquiry date of XX/XX/18 ) 3.  XXXX  ( inquiry date of XX/XX/18 ) 4. XXXX / XXXX ( inquiriy date XX/XX/18 ) 5. XXXX XXXX XXXXXXXX XXXX inquiry date of XX/XX/18 ) 6. XXXX XXXX XXXX XXXX XXXX ( inquiry date of XX/XX/18 ) There is NO proof I initiated such inquiries, NOR WRITTEN authorization and have failed to provide any permissible purpose. Therefore the inquiries in my credit report violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My bluebird card locked on me on the XXXX of XX/XX/2020 I been trying to get a hold of customer service the corporate office anybody associated with bluebird I havent got a hold of anybody its going on 3 days all my money is on that card I cant get gas I cant buy me and my kids food Im disgusted and I want to unlock my card get my money off of th card and close tha account for good

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: TN

Complaint narrative:
In the light on COVID-19 my partners job has been considered nonessential and he is temporarily out of work. I am considered essential as I work in a XXXX  and am still going to work. We chose to back out of the contract and DR Horton agreed to let us do so since we are only now working off of one income. When we received the denial letter from DHI Mortgage under my name- XXXX XXXX XXXX it said " Unable to verify employment '' " unable to verify income '' this is not so considering I am still working and the " income insufficient for credit amount requested '' could have been checked. I contacted the Mortgage loan officer, XXXX XXXX, who was working on the loan and he said that it doesn't matter because once they send the letter it can not be taken back. The information was reported incorrectly by a loan officer who was negligent with our loan to begin with. He kept trying to push my partner and I into an FHA loan even though we fully qualified for a conventional loan. We had to tell him multiple times that a FHA loan is not what we wanted. He was negligent with our dates on our new build. The list goes on

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 2020-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
I am being charged for utility services that were given to argon collection agency as a debt for service s from XXXX to XXXX of 2019, I was not living in the residence that had used that services therefore that debt does not belong 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 explanation
Consumer complaint received 2020-04-14 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: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
My daughter leased a new car with Honda Financial Service and I co-signed as it was her first new car when she graduated from college in XXXX. Her lease expired and she leased a new Honda on XX/XX/XXXX. XXXX Honda in XXXX XXXX MA never closed out the first lease until XX/XX/XXXX after I threatened to file a complaint with the Attorney General 's Office an MA. Delinquent payments reported on the lease turned in were removed. When we did the original lease I asked about the excise tax we pay in MA and was told that Honda pays that. The manager of XXXX told me the lease was closed and all set. Honda Finance told my daughter the lease was closed when in fact it wasn't. She owed a property tax which is actually the excise tax that we were told in the beginning that Honda pays. Neither my daughter or myself knew what this Property Tax was and again were told the lease was closed out. While on vacation my daughter got a notification from XXXX XXXX staying her credit score had dropped. I also got notification from my bank that my credit score had dropped over 100 points. When my daughter called after vacation she was told she owed the property tax so she paid it over the phone 2 months after the lease was closed. I talked to XXXX and XXXX at Honda Financial and they will not remove the 60 day late on the credit report that is impacting our credit. 
The credit bureau told me it stays on the report for 7 years. My daughter never missed a payment on this lease and I was not asked to co-sign the second lease because she had a perfect payment history. We need help getting the 60 day late removed. I don't think we should penalized for a mistake. So many phone calls with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: GA

Complaint narrative:
There a debt collector on my Equifax report that has a strange name .... XXXX ... this is how it shows in my credit report. This is not mine and I contacted Equifax to remove it. They have not removed it after I stated to them that I am a victim of identity theft.

Company response to consumer: Closed with explanation