vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Two collection accounts are paid in full and needs to be removed from my account.

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 2020-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
My loan is with XXXX XXXX. I have continually made Principal Only Payments and they continually charge me interest on them. Just yesterday I made a {$2000.00}, the representative XXXX employee ID XXXX and I both are recorded saying Principal only and yet I look today and they have charged me {$180.00} interest charge. They have said for the past 2 weeks that they are fixing it because i want to pay it off, I've called back multiple times and nothing has been done. I've tried everything that they've told me to do such as sending in the payment separately ( which didn't work ), sending it to a completely different address that they told me ( still charged interest ), and have called in and the representative and myself being recorded saying principal only and yet I'm still being charged and have to call in, and them telling me it's been corrected but it hasn't. I just want it fixed because I just want to immediately pay it off, I continually tell them this and they say just wait for them to fix it, all the while charging me a daily interest fee. They now have charged me over {$1000.00} on principal only payments and also over charged me interest on monthly payments. Please help me! I just want to pay off my vehicle and for it to be fixed. Ill do anything for this to be resolved quickly. I don't want anyone else to go through this. They also sent me my recorded phone calls, it however was just a blank form ( Included ). I have more employee names and employee IDs of a few of the people of many that I spoke to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I was notified by email my credit card limit was significantly reduced and to add insult to injury my interest RATE was also significantly increased. I have been furloughed since XXXX due to Covid I have always made payments on time except for XXXX ( XXXX time ) I always make payments I am a great customer. I called today XXXX Sat at XXXX XXXX to ask them, I pleaded for help in a lower rate they went from 23.99 % to 29.99 % as well as the the lower credit limit which is now {$6000.00} and my balance is already {$5800.00} so I am 100 % maxed out on a card reporting to the credit bureaus which in turn, hurts me drastically! 

I am trying wholeheartedly to work with the credit company After being transferred to 3 different people not one person can help me. I will never get this card payed off nor can I pay a rate of 29.99 % I am still out of work due to Covid, but I will always pay min due plus extra, but at a time when I have XXXX income coming in, please citi group just help me. It will leave me no option but to have it go to collections and eventually have it as a charge OFF on my credit report. Then no one wins! Work with consumers its hard enough without fighting with your credit card companies! You say Just call us we are here to help NOT TRUE!!! NOT TRUE AT ALL!

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 2020-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Once again, I supplied the additional items they requested in order to continue reviewing my loan mod application. I sent to the email address they provided. They did not acknowledge receipt and a few weeks later they sent me a letter stating they could not continue because of lack of information. Also, on XX/XX/2020, I received letter from PHH/XXXX, dated XX/XX/2020. The letter stated I had until XX/XX/2020 ( the same day I received it ) to not only send the documents I already requested, but also an application and financial form. I'm not getting anywhere with their loan modification department. Please help me get resolution. Thank you. Please refer to CFBP complaint # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: U.S. BANCORP
State: IN

Complaint narrative:
XX/XX/2020 Received a U.S. Bank Reliacard through the mail for absolutely no reason just showed up. When I tried to reach a customer service agent, I was required to activate a card that I did not apply for. Once the card was activated, I waited on hold for 1 hour and 17 minutes before a customer service representative picked up the phone. Once the phone was answered, the gentleman asked for the card number and what the problem was. I provided the first 4 digits and the agent hung up on me. So I called back and went into the hold sequence again, this time waiting for 57 minutes. Customer service agent picked up the phone and asked how can they assist me. I stated that I received a card in the mail that I did not sign up for and wanted it closed / cancelled. The agent asked for the card number, I stated the last time I provided this information, the agent stated she was sorry and will take care of it right away. I provided the card number and she repeated this back to me, then hung up the phone. The card has been cut into pieces and will be mailed back to the return address.

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 2020-11-21 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: PA

Complaint narrative:
I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-11-21 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: LDF Holdings, LLC
State: FL

Complaint narrative:
I received alerts from XXXX and XXXX of a new tradeline appearing as Collection on my reports. The account shows opened XX/XX/2020. The company reporting is XXXX. I've never received any information or heard of this company before. I've never, ever done business with them. I found the company online, however, no assistance for correction. I have no account number, no date of account transactions, nothing! It shows opened on my reports in the amount of {$1.00}, XXXX on XX/XX/2020. Nothing else. I had no account number to give them. They don't have my social security number or full name, this just appeared on my credit reports and no one seems to know why. This is very frustrating and needs to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This involves a collection dispute. I have never heard of this company that have listed an item on my report for collection. I do not have an account with them and have never had an account with them. 
i disputed this item on Experian credit report. They could not provide info on the validity of this collection account, how ever they reported it as accurate without any difinitive proof. 
they merely rubber stamp what the collection company said without investigation an proof. 
I demand strict proof!

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 2020-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Dear Sir or Madam, In 2006 me and my wife purchased a condo located at XXXX XXXX XXXX, XXXX XXXX About 10 years later we moved out and have since rented the property out as the real estate market in that area is not great and we would like to hold off on selling. Since that that time the mortgage has been refinanced and serviced by various lenders. We have never been late or missed a payment. We have tried for the past 5 or so years to eliminate private mortgage insurance but each time the lender at the time provides some reason why the mortgage insurance can not be cancelled. I realized recently that our LTV was well below the 78 % needed to qualify for automation PMI termination that you mentioned or your website. 
A few weeks ago I called the servicer ( Mr. Cooper ) and explained this to them and they said they would look into it. I never heard anything back. I wrote them a letter last week and they responded that at this time can not cancel it because their investors require per the attached letter. From my research I was under the impression that the 78 % LTV was the rule as far as PMI termination was concerned. Now the lender is stating it is lower and I'm pretty sure that in a few years they will again lower the threshold again. Could someone please help me understand why my PMI is not being cancelled or contact the lender to find out why. I've been paying PMI now for 15 years and it doesn't seem right. Im already paying an interest rate above the market to begin with. I appreciate your timely help with this matter XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: PA

Complaint narrative:
My unemployment ReliaCard through US Bank has been locked since XX/XX/2020. I am unable to access my account or use my debit card because it is locked. I have called ReliaCard dozens of times within numerous internal departments and with several supervisors in each department. I am repetitively told over and over that there is nothing theycan do to unlock and they have escalated my issue dozens of times. I am about to lose my car and my car insurance already lapsed. I have called the state unemployments office and they said they have no locks on my account. I have called the department of treasury and they have no lock on my account. I have called US Bank and they also do not have a lock on my account. My account was said to have been locked because I spent more than my daily limit was allowed? They needed to verify my identity. I sent them copies of my birth certificate and government issued driver 's license. I still have no answers or can access my account. I am losing everything and the issue is still very unclear to why and how come the lock hasn't been lifted.

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 2020-11-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I keep getting SPAM marketing from Equifax. I went onto their website to put a freeze on my information and since then, these megalomaniacs keep sending me SPAM. I went to the Equifax website and there is NO WAY TO OPT OUT OF MARKETING on their site. Instead, they have a " toll free '' ( who pays for long distance in 2020? ) number to call that is the general number for EVERYONE who is having a trouble with these money-grubbing XXXX. And guess what? NO ONE EVER ANSWERS THE XXXX PHONE. They are using my email address inappropriately. I have a right to NOT receive their marketing XXXX. They SHOULDN'T ( a moral imperative ) require me to sort through their XXXX because I want certain alerts. And they make it so hard to stop, it's not reasonable. They are using computers to harass me daily with spam, yet I can't use my computer after logging into their site to STOP THEM. It's unfair, unreasonable, and in California, it's illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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: PA

Complaint narrative:
I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-11-21 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: PA

Complaint narrative:
I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This company owed {$1100.00} XX/XX/2020 from me my account shows this is energy bill for 120 days dew bill this is not my bill its frad case I need help who did this.company names bellows Transworld system XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I was informed by XXXX XXXX regarding 2 accounts in collections. I am not aware of these debts. I thought all my medical bills were paid. This is a huge impact on my credit. Assetcare {$90.00} from XXXX XXXX XXXX and Assetcare {$81.00} from XXXX XXXX XXXX. These are very small amounts that I would have paid. I am not familiar these debts. I do not know what they are for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
I keep getting a call from a company saying Harrison & Harris Ltd attempting to collect a debt. There phone number is similar to Harris & Harris Ltd so I called them directly and they advised it is a scam. The phone number that keeps calling is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
SPS has purchased and serviced my two mortgages for MANY years now. The 1st mortgage was paid via auto deduction monthly. Never has a payment been missed. The 2nd mortgage was paid for monthly via a manual prices in the amount of $ XXXX $ XXXX monthly. Never has a monthly payment been missed. 

Recently attempted to refinance however was declined specifically for the condition of my second loan which currently doesnt show a clean payment history through to current and also doesnt appear on my credit report. 

Roughly six months ago received a re modification package from SPS on the second mortgage. I called to discuss the refinance process about to occur and asked about how to proceed considering. I was advised to not execute the modification and continue making my payments. 

About four months into the refinance process we switched lenders due to how long it was taken. It wasnt until this switch that we discovered that while SPS was still accepting and applying my payments, that they were actually accruing money and not applying. Of the last four months, the last months payment of {$220.00} was rejected and returned while the previous three months of {$720.00} were collected, half but not applied. 

No communication. No guidance. It wasnt until a phone call earlier this month that i I was advised the loan matured in 2017 ( still they accepted and applied my payments ) and until just recently, stopped. They have not been able to supply a reason and have not been willing to work with myself or my current lender.

I have submitted a dispute, have applied for re modification with them and have submitted this complaint to you as well.

Income and credit score are superb. The only thing preventing me from bettering my families mortgage position is the handling of this loan with SPS. 

I feel like Ive been misled, have not been communicated to with any true or clear effectiveness and am now stuck likely having a budget impact of a {$600.00} swing in the negative monthly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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:
These are not my accounts. I have submitted my personal documents to depict who I am. Please remove these accounts in its entirety as it's hindering my employment.

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 2020-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
I have received multiple notices from Kramer and Frank, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX over CC debt through XXXX XXXX for XXXX XXXX XXXX. They keep sending me letters and I have sent them the standard cease and desist letter twice! I am XXXX due to mental illness. Multiple diagnosis. They are making it hard for me to get by. Their reference file # XXXX. I earn no money. I live on XXXX. Their letters are making me feel weird and I need your help. If

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I am a senior citizen Fraud identity theft victim where my name adress social security number was stolen used to create fraud account with XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX notified there collectiobs agency Credit Management L.P. Whom Harrased me for {$1400.00} If which I do Not owe XXXX XXXX  since. My identity was stolen used to open create a FRAUD Account with XXXX there Harrasing me of a innocent senior of ID Theft is uncalled for I have been Harrased as a victim by credit Management L.P whom told me this was a FEAUD Account on XX/XX/2020 finally received a letter from. Credit Management LP awknowledgung I am not responsible of {$1400.00} as this was s Fraud account dated XX/XX/2020 closing account & not reporting it to the credit bureau

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax can't deliver my credit report online via XXXX, and has been unable to do so for the past several years as I've tried to request my credit reports online through XXXX. Equifax is required by law to maintain a working web site for accessing free annual credit reports under the FCRA and FACT Act. Equifax is in violation of law. Equifax needs to fix their web site so I can get an online copy of my free annual credit report as I am entitled to obtain by law. The CFPB should fine and sanction Equifax for its routine and repeated violations of law.

Company response to consumer: Closed with explanation