vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 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: NJ

Complaint narrative:
To Whom It May Concern, I was looking through my credit report the other day on XX/XX/XXXX. I noticed there was 2 inaccurate hard inquiry 's on my file. On XX/XX/XXXX I called each company to see if I had an account with them in anyway they both said no so I asked them why it's there and there customer service reps were basically saying it should be removed however due to corona virus there is nothing we can do at this time. These are the 2 that i never authorized, never gave anyone any permission and is clearly 100 % fraud XXXX  hard inquiry from XX/XX/XXXX XXXX card XX/XX/XXXX they could not provide any proof that I have any such accounts with them. I asked to see proof nothing was given.

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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DriveTime
State: TX

Complaint narrative:
I made written request to XXXX to remove any credit or identity freezes from account over one month ago. They have not replied and the freeze is still active. I applied for a loan at Drivetime through XXXX XXXX, the only thing holding me back is there request for my social security card because of a credit freeze that I told XXXX  to remove. The social security card I presented was the original I was issued after birth, and because it doesnt look like the new SS cards, I have wrongly been denied credit.

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 2020-04-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Today I spoke with XXXX, a supervisor in Customer CARE regarding confirmation number XXXX filed on XXXXThe investigation is regarding an erroneous date of first delinquency. 
The problem I have is that Equifax possesses a preponderance of evidence in their hand proving this is the case so there is no need for a " creditor/customer weigh- in '' regarding this evidence.The same evidence they see or acknowledge Today was provided in CFPB COMPLAINTS XXXX,XXXX,XXXX. 
Today the date of first delinquency regarding an unpaid rental contract is over 7 years old, A SERIOUS FCRA violation.The proof I've supplied shows a summons date of XX/XX/13, proof of the collection process for rent.the judgment date of XX/XX/2013 is the wrongful date the creditor supplied stating some federal code that they have the right to keep a judgment on file for seven years ... YET, THIS IS CLASSIFIED AS A COLLECTION ACCOUNT.The beef is ... ..EQUIFAX, due to the proof on hand does not need the creditor to weigh-in or consult ... all that this does is create further damage, keeping a negative item on file well beyond the 7 year uniform policy pertaining to a statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called Capital One to explain I had lost income due to Covid 19 and asked about programs to prevent the interest rate from continuing to accumulate. They could do nothing for me. My other card has no interest for a year so I decided to pay the fees to transfer the balance from Capital One to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX sent the money to Capital One on XX/XX/XXXX ... Capital One continued to charge me interest on the over {$2500.00} and did not process the balance payment until XX/XX/XXXX. 10 Full Days is a ridiculous amount of time for them to continue to charge me interest during such a horrible time. Their lack of compassion and willingness to assist a client in a difficult situation cost me over {$100.00} in fees to transfer funds. I don't feel I should have to pay interest on that balance for all those extra days they chose to take their sweet time squeezing me for more $ XXXX 

I tried to call them but they said it would be over an hour on hold to talk to them. I decided I would handle it in a more time friendly efficient manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Trans-union refuses to process the request that was forward over to them in certified mail that stated XXXX XXXX documentation associated with this account bearing my signature delivered 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 2020-04-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My husband and I applied for the PPP SBA loan for my business and the SBA has already done 2 hard inquiries in 2 days with Experian to me along with my husband. My credit score dropped 10 point as a result of this. I would think under the circumstances these hard inquires should be excused and not be reflected in our credit score. This will remain for 2 years. It's not enough that my business is suffering now my credit score it going to tank. 
Someone should do something about this XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2020-04-21 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: TX

Complaint narrative:
I have been dealing with identity theft for over 5 years. On XX/XX/XXXX a hard inquiry through XXXX  XXXX was put on my trans union report. i called XXXX  XXXX right away and they closed down the account but trans union said they will not take off the hard inquiry without proof from XXXX  XXXX. XXXX XXXX says this is trans union responsibility.. I am sick and tired of being on hold for literally 3 hours for no one to help 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 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: CA

Complaint narrative:
Today XX/XX/XXXX i got a statement form us bank they are charging the interest even i pay the full amount of purchase plus the minimum payment they still charging me almost XXXX dollars interest. i speak to customer agent XXXX she said even i pay the full amount of purchase plus minimum payment at XX/XX/XXXX they still charging me interest that is not reasonable.

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 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
Citizens Financial Group , Inc This company purchased Franklin Mortgage and is a complete disaster to work with. 
The first time I called, around XX/XX/2020, there did not have a call back feature, and the line literally rang for 2 hours. There is no email or chat support. 

I had to register recurring payments via mail ( USPS ) and then they didn't take out my mortgage payment, and have a recording to tell me I'm late on my payment. When I answer, I have no way to talk to someone, the recording says " we will get someone on the phone '' and it never did. I the asked me to call the same phone number that NO ONE EVER ANSWERS. 

They should not be allowed to service personal mortgages and make tons of money off of us without proper customer service ( US jobs ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been dealing with identity theft for over 5 years. On XX/XX/XXXX a hard inquiry through capital one was put on my XXXX XXXX report. i called capital one right away and they closed down the account but XXXX XXXX said they will not take off the hard inquiry without proof from capital one. Capital one says this is XXXX XXXX responsibility.. I am sick and tired of being on hold for literally 3 hours for no one to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My BOA ( Bank of America ) accounts were closed recently. External transfers were not cancelled as per my request made to an XXXX XXXX, there is a transfer initiated on BOA end which is recurring in the amount of {$20.00} and has not been cancelled. Due to account closer, I am unable to log in and cancel on my end.. I have copied the email from BOA showing this recurring transfer, which needs to be cancelled out so it does not pull from my XXXX 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 non-monetary relief
Consumer complaint received 2020-04-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank closed my credit card without asking me on XX/XX/2020. 

And I haven't gotten any message from them until I submit a complaint on CFPB before, the previous 's case id number is XXXX. 

One of their agents called me, and we have discussed the situation, she was pretty sure even though my account got closed by the bank, and even if reopening is failed, they will still redeem my points for my statement credit. 

But until I called them on XX/XX/2020. Their supervisor from Citi ThankYou Points Center told me, I lost all of my points, but this is really ridiculous.

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 2020-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Im am a XXXX XXXX XXXX XXXX  XXXX vet. I applied to have my mortgage payment changed due to being exempt from property taxes in The state of Texas. I have filed my XXXX with the State of Texas and have the approved exemption. My mortgage company Pennymac is still placing money in my escrow for Taxes. I called to have this fixed and they would only recognize a 50 percent exemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I recently refinanced my home loan with Quicken loans. I never received my payment coupon. The first payment was due on XX/XX/2020. All of my paperwork was through Quicken loans. They failed to successful send me either via email or by XXXX XXXX payment coupons. I latter found out they had changed their name to Rocket Mortgage. My email server did not recognize this address as my loan had been done through Quicken XXXX. Finally on XX/XX/2020 I received a late notification again from Quicken Loans. I immediately went on line and made the payment and an additional payment. Quicken  reported my late payment, which was my first payment on a new loan destroyed my credit score which has made it impossible to get a loan. As a physician during the Covid-19 crisis this will endanger my ability to practice and make my payroll.

My mortgage banker appealed to Quicken and I have also appealed to Quicken to reverse this derogatory remark on my credit. It was caused by an issue with communication between the lender and me. With my prior loan I never had this issue and I incorrectly believed that I had a 90 day grace period to start the first payment. My assumption was that I would either get a written or email confirmation of how to establish payments with Quicken. In addition they changed the name from Quicken to Rocket mortgage. I have talked to another person who had this exact same issue happen to them. I feel that this is unfair at a minium and fraudulant. I have referred this to a real estate attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage did an Escrow Analyst in the month of XX/XX/2020. Based on the computer generated analyst, it was determined my New Escrow was short {$2300.00}. This computer generated analyst was based on a " one time '' Local County Tax.I sent a letter to Freedom Mortgage indicating this " one time '' county supplemental tax should not be taken into consideration for future Escrow pay out.- My Home Owners Insurance went down and the Escrow Analysts should not have changed or even lowered. - Based on the New Escrow of an additional {$2300.00}, has now caused my Mortgage payment to go up {$200.00} per month, in which I can not afford to pay any additional money towards my Mortgage. I had a fixed rate I was comfortable with paying and now having an additional {$200.00} per month for a year, I can not afford to pay any additional amount. 

This mortgage will go into default due to the additional {$200.00}, per month, based on an incorrect Escrow Analyst. - I called Freedom Mortgage and they refuse to let me speak to an Escrow Specialist or Supervisor.

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 2020-04-21 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I have tried to contract Equifax to order a report freeze. I have tried their website which results in a blank white page. Trying to contact them at XXXX results in a telephone tree which claims that I have non existant open credit accounts and then puts me on " hold '' or bounces me to a long spiel about everything except how to request a credit freeze. I have tried contacting Equifax for several days and still get either a blank white page or a pointless telephone tree.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
On XX/XX/2020, XXXX XXXX XXXX called me several times in a row from a spoofed number, impersonating a local business. The spoof number that they called from was XXXX. When I asked who they were, they were not forthcoming with the information and I had to ask them several times. 
They also called me from a spoofed number impersonating the phone number of a family member of mine which they have previously contacted on more than one occasion. 
They have also contacted my family members.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Loan sold by XXXX to New Rez LLC dba Shellpoint Mortgage Servicing. New Rez ltr XX/XX/XXXX says their records show we don't have wind coverage as part of our hazard insurance policy. I called XX/XX/XXXX and subsequently emailed a certificate from our insurance agent to confirm wind coverage. The one in their file was from XXXX, the last time XXXX / XXXX asked for it. Our agent also put updated certificate in New Rez portal, per letter 's instructions. Never heard anything until XX/XX/XXXX ltr saying again they have not received evidence of wind coverage and put Lender-Placed insurance on eff XX/XX/XXXX at cost {$2800.00}. How is that even possible if they didn't ask for it until XX/XX/XXXX? I called again XX/XX/XXXX. Explained that we have always had wind coverage.New Rez said ins processing unit " doesn't think we have it and they want hurricane insurance ''. I pointed out their ltrs do not say that. Ins agent sent email XX/XX/XXXX confirming coverage up to full amount. Today New Rez said it is not acceptable and we must buy hurricane ins. This is another $ XXXX per year. Despite name of the town, house is not near coast on XXXX XXXX, and on slope of mountain at 4,000 feet elevation = not at risk from hurricanes. Only owe $ XXXX mortgage on house worth $ XXXX = 6 % of the value. The investor and servicer have no risk. Previous servicer XXXX initially confused about wind coverage in Hawaii, but agreed coverage is OK. How can New Rez just tell us verbally to buy new insurance when their own official correspondence does not say it and how can they do force place when I am still in the process of responding to them? If we buy hurricane ins it will cover " named '' hurricanes only. Current ins policy already covers all other wind events, just not those caused by a named storm. We never needed hurricane insurance since we built house in XXXX. If they want to make people get hurricane ins as a condition of a new mortgage, that's one thing. But shouldn't impose on good paying, low balance customer after all these years. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX   XXXX not mine COLLECTIONS XXXX {$3000.00} not mine XXXX XXXX XXXX XXXX {$140.00} not mine XXXX XXXX XXXX XXXX-XXXX {$820.00} not mine XXXX XXXX XXXX XXXX-XXXX {$580.00} not mine How is Equifax able to verify these items when other agencies can not?

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation