vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$72.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX {$980.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$8300.00} XXXX  XXXX XXXX {$13000.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

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 2020-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We started receiving letters from vendors to whom we sent checks that our checks bounced due to our joint checking account being " frozen ''. I contact Bank of America, and was told that yes, they froze our account. The claim that they send one letter to my wife ( joint account holder on the account for 30 years ), asking her to call a number to verify some information. That letter was never received by my wife. Frankly, even if such a letter was received, she probably would have discarded it as we get a minimum of one scam email and letter from phony Bank of Americas regularly asking us to provide information. As it turns out, they were looking for an updated cell phone number for my wife - for that they froze MY account without telling me! 

Here is the point. I wrote the checks - Bank of America has all of my information including cell phone ( they send me text alerts ), email, address, etc. I was never contacted to let me know that MY account was arbitrarily frozen, which can not be legal nor ethical. I wrote the checks, the account was well funded, the bank has all of my current information, and my wife has been on the same account for 30 years. We have incurred several XXXX dollars of fees and penalties from vendors, including our mortgage holder, plus countless phone calls to try to explain to vendors that our Bank is a bunch of incompetent fools.

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 2020-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
Bonneville collections added a collection item on my credit report. I had no idea I had this debt until I checked my credit. They failed to send me any notices about this debt, with no phone calls or notifications. As soon I found out about the debt I paid it. They are in violation my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MS

Complaint narrative:
XXXX  is still showing an unpaid collection on my report. I paid this collection on XX/XX/2019 with my XXXX XXXX. 

The collection was {$550.00} with XXXX, and the original collection agency was Jefferson Capital. When I called them in XXXX, they had turned the collection over to XXXX XXXX. 

I am attaching both my recent copy of my XXXX report, and a copy of my XXXX statement that showed I paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: MS

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In response to a marketing offer from Citibank, I opened and funded online on XX/XX/2019 a DDA and a Savings account with an aggregate account balance of {$15000.00}. Following, I contact customer service via e-chat to validate that the primary DDA account was enrolled to the $ XXXX/XXXX  incentive offer. This premium includes a base {$400.00} award within 90 days of qualifying activities plus another {$100.00} for initiating at least 2 ACH transactions into the account. 

I attempted contacting the bank via email, and mail correspondence but to no avail. Even after taking into account the extraordinary circumstances facing everyone, an entity such as Citibank should have the bandwidth to address my concerns and to make me whole as originally represented they would.

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 2020-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prime Business Service, LLC
State: CA

Complaint narrative:
I am writing this due to non-compliance with the PRIME BUSINESS SERVICE. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: VA

Complaint narrative:
I took out a Discover Student Loan to cover the additional cost of my education, especially when I transferred schools. 

The relationship started to sour 2 years ago, they stopped sending me billing statements. For 3 months, I had to call and harangue them about sending me statements, which every month they said they would send me a copy and correct the problem. It wasn't until I threaten to report them, did I start getting them regularly. 

As COVID-19 began ramping up, I contacted Discover Student Loans to find out whether or not it was possible to pay off my loan balance with a settlement offer. While I understood that it wasn't their policy, I wanted to understand what were some of my options. My questions were met with hostility. 

A week later my billing statement increased by {$100.00}. 
As I said to their customer representatives, anytime there was an adjustment to my account, I received a letter before the change - this time it seemed retaliatory for my previous complaint. I explained that I have never been late, I always pay more than the minimum amount and have all my previous emails and bills going back a year. 

One representative said he saw in her a computer that my bill did go from {$350.00} to {$460.00}, but was unable to explain it. He said he would send out an investigation report and they would give me a call back in 2-3 days. A week later, I called again with the same complaint and again the representative saw my complaint and looked into it with another team member and was unable to explain why it happened.

When they transferred me to a supervisor, the records that had once showed that my payments were {$350.00} for over a year, MAGICALLY disappeared and they SUDDENLY had records showing that my minimum payment was always {$460.00} going back to 2012!! I was incensed - and I wanted an answer immediately.

Again, I was told my another supervisor that I would be called in a few days. 
Those days have passed and I still have no answer and I have a bill {$100.00} higher and with no explanation of why -- in the middle of a pandemic! If their loan practices aren't illegal, it most certainly is unethical. I shudder to think of young college students at the mercy of their predatory hands. 

Now I am filing this complaint. 

NEVER, EVER take out a Discover Student Loan! 
They are horrible to work with and it's impossible to get rid of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: CA

Complaint narrative:
XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My mortgage was transferred to MrCooper approximately XXXX. I make principal payments each month through their website. The site clearly identifies the payments as " add a principal payment '' and unless you go to the payment ledger you will not see that MrCooper rarely posts it correctly. I have on three occasions spoken to escalation specialists ( after hours on the phone with their regular " specialists '' ) and had to have the payments " fixed ''. Each time I ask them why they do not repair their web site to do the accounting correctly. The answer is the same, " we have thousands of customers that pay this way ... .. '' and yet ours is messed up. I have asked 2 times for an audit and 2 times all I get is " I can fix this '' from the escalation specialist. At the end of XXXX our principal balance was ( apparently ) XXXX. We made payments totaling XXXX ( included one regular payment of XXXX XXXX of which was interest and XXXX additional principal ). XXXX - XXXX = XXXX. Yet, the principal balance of the web site show XXXX. This is XXXX more that we actually owed! This is the third time I had to call MrCooper for this type of error and they don't seem to want to fix the error. Multiply this by the thousands of customers referenced earlier and no telling how many people may be being wronged! Interestingly, I took a screen shot of this XXXX and XXXX and there are 14 ledger entries to record the 5 payments made, that being one regular payment and 4 separate XXXX principal payments. Let there be no doubt that, malicious or not, MrCooper Mortgage company has problems they seem unwilling or unable to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: CA

Complaint narrative:
I owed a delinquent amount of {$3200.00} on a US Bank credit card XXXX. 
Was not working beforehand, so I decided to email US Bank that I wanted to do a 80 % settlement of {$3200.00}. On XX/XX/XXXX I received a email from US bank from XXXX XXXX they would work out a settlement. To reach out to Cardmember Services recoveries area.

Called them during that week and made a agreement to settle on four payments of the amount of {$660.00}. That the first amount would be on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Grand total amount of {$2600.00} and that would satisfy the settlement. On XX/XX/XXXX, I got a Collection letter that I still owe one payment. of {$660.00}. Called US Bank 3 different numbers, First talk to XXXX XXXX on XXXX XXXX XXXX XXXX, ( XXXX ) XXXX, that he can't help and called other attempt at ( XXXX ) XXXX after 4 attempts and 2 hour wait on a recorded line that they only have 3 payments Only, 1 is missing that we never sent any funds. So they gave me a fax number ( XXXX ) XXXX sent all the documents that all 4 payments were withdrawals and Cleared from my personal bank XXXX XXXX XXXX XXXX. On XX/XX/XXXX I got 4 letters that Now only one payment was posted correctly and Now other 3 are missing. This does not make any sense, 3 missing and 1 Collections letter of one amount only? I give you full authority to investigate were my money has gone to CardMember Serv Loan Pmt Co Ref 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 2020-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
Ive advised the collection company and original creditor of my XXXX XXXX military status yet they are still reporting and trying to collect a 40 % interest rate on top of the debt. 


The SCRA limits the amount of interest that may be charged on certain financial obligations that were incurred prior to military service to no more than six percent per year, including most fees. 50 U.S.C. 3937 ( a ) ( 1 ) & ( d ) ( 1 ). In order to have the interest rate on a financial obligation such as a credit card or a mortgage capped at six percent per year, a servicemember must provide the creditor with written notice and a copy of his or her military orders or other appropriate indicator of military service ( such as a letter from a commanding officer ). Id. at 3937 ( b ) ( 1 ). The written notice and proof of military service must be provided to the creditor within 180 days of the end of the servicemembers military service. Id.

In response, a creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/2020 a request from XXXX XXXX ( XXXX ) was made I thought nothing of it because it was my cousin and she's really good at returning or sending money to. On XX/XX/XXXX I called XXXX XXXX and ask when was she going to return the money that I sent her like was stated in the request. She then told me that she never received any funds or sent a request now we are both totally puzzle to what's going on because if she did not get the money who did is the problem and who had access to her account where she had no clue about it. So she screenshot me her activity and I did the same and we were still totally shocked that this ever happen I also check my web receipt to come to find out that it was totally a scam from who I never met a day in my life or have phone conversations with how do they have the same cash app logo as XXXX  as picture ( XXXX XXXX ) I'm not sure if the scam came from XXXX XXXX or someone outside of cash app but this is ridiculous that this even happened. I contact XXXX XXXX on several different occasions and each time it was told that it was my fault and I should verify before sending any funds my question repeatedly to cash app is how can I verify any farther if this is the person if I'm unable to actually see the actual who's the actual request from until there's a web transaction I need help and I need my money back there's already a crisis going on and I've been laid off and all money needs to stay inside my home if I can help it.

Company response to consumer: Closed with explanation