vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 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: DC

Complaint narrative:
The following accounts do not belong to me. My identity has been compromised in the past and this is the result of identity theft. It has been reported, therefore I'm demanding that this accounts be removed immediately from my credit files. 

1 ) XXXX XXXX {$500.00} 2 XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Self Financial Inc.
State: MD

Complaint narrative:
I opened a credit builder account with the Self Lending website in XX/XX/2020 which states that after paying {$25.00} a month I would be able to build a credit history though a " loan '' and apply for their secured card. The requirements defined on their website to apply for the secured card is 1 ) a Self account, 2 ) {$100.00} in savings progress ; 3 ) three on-time payments - all of which I met. Supposedly, credit score is not a factor in eligibility in this program.

I have met all the requirements but when I inquired why I could not apply I was told that I still owed XXXX cents to bring my savings progress balance to {$100.00}. On a second inquiry I was told there was a complicated calculation for determining " savings progress '' and that my savings balance as " decreased. '' This was what I was told in a live chat with one of their representatives : " Inside your account dashboard, your Savings Progress is the approximate " cash '' value of your Credit Builder Account if it were closed out today. This amount will fluctuate often as your account interest rate is compounding ( interest calculated on the initial principal which also includes all of the accumulated interest of previous periods of a deposit or loan ). '' Clearly on the dashboard for the account, it says I meet all the requirements to apply for the card. It does not say " approximate cash value. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I was checking my loan statements and my XX/XX/2019 statement showed accrued interest of {$1700.00} and then my XX/XX/2019 shows {$4700.00} of accrued interest. when I called they could not explain why. they just stated its accrued interest. i would like a complete review of my account and an explanation how interest jumped {$2900.00}. If there is an error on the account I would like interest forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person

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 2020-10-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020 I sent via certified return receipt mail ( attached ) data that included each the creditors request to remove fraudulent inquires off my Experian Credit File specifically that of XXXX Cards XXXX of XX/XX/2020 the next being XXXX of XX/XX/2020 and the remaining being that of XXXX XXXX of XX/XX/2020 since this date I have sent multiple disputes requesting the removal Of these fraudulent erroneous inquires., They Experian Credit Bureau have purposely and repeatedly ignored and failed to respond within thirty days of receipt of my request even though the individual letters from the creditors were attached thereto., In addition but not limited to, my XXXX  XXXX XXXX XXXX  changed my status to Paid As Agreed Back on XX/XX/2020 and it had been recorded and reported on my XXXX XXXX Credit File XXXX Also My XXXX  File as Paid As Agreed but my Experian File has failed to report the new status provided to them via XXXX XXXX XXXX XXXX , in no way am I disputing the account via XXXX XXXX XXXX XXXX , but I am addressing Experians lack thereof of not reporting what was provided to them as Paid As Agreed without the previously paid thirty days late portion., Experian has continually and continuously failed to respond via My Consumer / FCRA RIghts., It is my wish to first contact you and then seek out the professional services of my attorney to sue them for Willful Violation of My Consumer Rights., Please be advised that I am sending a copy of this dispute to XXXX XXXX XXXX XXXX  to verify in no way am I disputing this with them but rather the way in which Experian has been provided the new data back on XX/XX/2020 to my payment status to Paid As Agreed with the deleted previously paid 30 days late portion thereof

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 2020-10-27 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: MI

Complaint narrative:
I have sent Experian several disputes along with my federal identity theft report of fraudulent accounts on my credit report due to identity theft, I have not received a response or results from these agencies. my local law enforcement advised me to file a FTC report and send it to the 3 credit reporting agencies which I have done, but Experian have not investigated or removed these fraudulent accounts when according to FCRA SECTION 605B Experian is to block any and all fraudulent information. I will be including a copy of my FTC report which is the only documents by federal law that I am required to submit when disputing identity theft, and i will be including my drivers license and social security card for identification purposes so this company will not close this complaint saying they do not believe this was sent by me or authorized by me. I XXXX XXXX XXXX XXXX authorize this complaint, this is my third time submitting this report to Experian and they keep closing the report without cause, saying this is not authorized by me without doing a proper investigation i have attached all the required documents ( state id, and social security card ) for identity purpose this is just more ammunition for my 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 2020-10-27 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: CA

Complaint narrative:
XXXX XXXX for XXXX XXXX XXXX XXXX, is reporting on both the XXXX  and the Equifax reports. I have requested from them to remove an inqury and they have sent me letters stating that they put in for it to be removed from my credit report because I did not authorize it. However, both XXXX  and Equifax still shows it. XXXX did remove it. Even though XXXX XXXX  XXXX XXXX XXXX XXXX XXXX has sent letters to the bureaus, and I have sent letters to the bureaus. They still refuse to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
My mortgage was sold to Flagstar Bank in XX/XX/XXXX. My homeowners insurance was renewed in XX/XX/XXXX with the same company ( XXXX XXXX ) that I have used and paid from escrow for 5+ years. In XXXX, Flagstar charged my escrow {$2600.00} for " Lender-Placed Insurance '' even though I already had homeowner 's insurance that meets their requirements. They did not call or email me before charging me this fee. If they had, I would have told them that I already have insurance. Instead, they sent me a letter on XX/XX/XXXX - 8 months later - informing me that they were charging me this fee. At no time was I aware that I had been charged previously. 

Based on the fact that ( a ) they are charging 3x the fee I currently pay for insurance ( not even obtaining a bulk discount ), ( b ) knew I had insurance from my prior lender, and ( c ) my insurance company ( XXXX XXXX ) knew that FlagStar held the mortgage, there is no conceivable reason for me to be charged this fee unless FlagStar sees the fees associated with Lender-Placed Insurance as a revenue generating stream for income. I would strongly recommend you look into their practices around this, as I received no notice before they began charging my escrow account XXXX XXXX XXXX  per year. They claim they will fix the error in 30 days, and I will be provided with a refund to my escrow, but this seems to be indicative of a larger problem with the lender that needs to be investigated to protect consumers that are not as careful at monitoring their activities. It is inconceivable to me that any company, let alone a lender, would not call, email, and send a certified letter before unilaterally imposing a $ XXXX fee, especially when it is 3x the market 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 explanation
Consumer complaint received 2020-10-27 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: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: DC

Complaint narrative:
The following accounts do not belong to me. My identity has been compromised in the past and this is the result of identity theft. It has been reported, therefore I'm demanding that this accounts be removed immediately from my credit files. 

1 ) XXXX XXXX {$500.00} 2 ) XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$1100.00}

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 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been on a COVID forbearance since XX/XX/XXXX due to me no longer working due to COVID. I received a letter from Homestar/The money source advising my escrow was short and demanded {$3000.00} because they paid out for homeowners insurance 3 times. I borrowed the funds and mailed the escrow payment in XXXX. The payment came in 2 checks with escrow deposit written all over it with the escrow coupon. Homestar/the money source held the checks for over 1 week before actually showing on the account. I called daily to find out what was going on because the money had already come out my account but they didn't post it until XX/XX/XXXX and did not it towards escrow as they should have. The posted the month as 2 payments because its behind which doesnt matter if Im requesting funds be placed back in my escrow that was paid out three time by you people. MY MONEY SHOULD BE PUT TOWARDS THE ESCROW AS REQUESTED. YOU DO NOT DETERMINED HOW FUNDS ARE APPLIED. MY LOAN IS OWED BY XXXX  XXXX  AND NOTHING TATES I CANT PUT FUNDS TOWARDS ESCROW. THEY DEMANDED THESE FUNDS AND THEN TOOK IT AND APPLIED AS THEY WANTED TO. I AM IN A FORBEARANCE. The representative talk to me like I'm beneath them because im behind on my mortgage which is not due to any fault of my own. They do nothing to help but tell me Im past due. I feel so ashamed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: CA

Complaint narrative:
My mother XXXX XXXX has suffered from visual impairment for the better of 5 years, and has place me as an authorized user on her discover account to manage the billing. As this is the best form of contact and being able to make payments we requested paperless billing my number XXXX was placed on the account to be contacted should there be any issue regarding the account and I have received these calls from discovery until after XX/XX/2020. I recently was notified of a past due amount was placed on my credit from my credit monitoring service and when I contacted discover about this and ask why I was not contacted I was told by a representative that we were placed on a " No contact '' list resulting in not being notified of any past due amounts. My mother asked in XX/XX/2020 that her number XXXX was not contacted and to contact the other number listed on the account, but for some reason the representative placed both numbers to not be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Barclays had an offer on the XXXX card : open the card, spend {$1000.00} in the first 3 months and pay the annual fee, and then get XXXX XXXX miles. I was approved for the card on XX/XX/2020, spent over {$1000.00} in the first 2 months, and paid the annual fee ( before it was due ) .Barclays shut down my card and did not give me the XXXX points. I understand issuers can shut a card for no reason, but they still owe me the XXXX miles. 

I have attached the statement showing my spend, as well as Barclays confirming I will be receiving the bonus.

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 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have an account with TD bank. There is no funds available in my account. Yet TD Bank keep charging my account and charging me fees for them charging my account to pay bills. I told them I did not authorize the payments so the charges are fraudulent. They refuse to remove the charges and now are asking me to pay XXXX dollars in fees. I asked the bank to close my account and they refuse. Now they are harassing me and calling me everyday at least 6 times a day and leaving voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I sent I C Systems a debt validation letter on XX/XX/XXXX requesting that they send validation to me, they received the letter in XX/XX/2020 and to date did not respond. this collection account was on my credit report under a different collection agency before who I disputed and was able to get it removed from my credit reports, that previous collection agency had my current address because I was communicating with them and got the account removed, in XXXX I see I C Systems reporting the SAME DEBT TO MY CREDIT REPORT. I did not get a notice of the debt in the mail and i know they have my current address because they bought the debt from the previous collection agency and that agency would have given them all information they had to verify me AND the debt and for them to communicate with me, but I C Systems failed to do that. I sent them a debt validation letter, remind you I had to get their address from the listing on my credit reports NOT from them which is a shame, its been a month since they received my letter and to date I still have no response, no validation absolutely NOTHING! I cant even go on their website to see the account information because I dont have the full account number which I would have to get from them, I shouldnt have to call them, they are a debt collector they arent on my side and will try to tie me to a debt they dont even know I owe and neither do I. I want this account removed from both my XXXX  and XXXX  credit reports immediately

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 2020-10-27 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: FL

Complaint narrative:
THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED BY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT

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 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AFNI INC.
State: AL

Complaint narrative:
This is about two different collection agencies attempting to collect a disputed charge from XXXX ( XXXX  ). I have sent both of them a letter disputing the charges.

I will attach a copy of both letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We have a 30 years 3.375 % mortgage with home value over {$280000.00} and mortgage balance less than {$100000.00}. On XX/XX/2020 we applied {$180000.00} mortgage with 15 years refinance fixed rate with Truist Bank ( Sun Trust ), which it offered 2.75 % with no point. On XX/XX/2020 we were informed  by Truist that our refinance application was conditionally approved by loan processor. Around XX/XX/2020 we were informed by Truist that the application was reviewed by underwriting team. On XX/XX/2020 we submitted more documents that Truist underwriting requested. On XX/XX/2020 Truist loan officer called and said we were not qualified for the 2.75 % fixed rate of 15 years mortgage, because our house is not primary residency according to Truist underwriting team 's investigation. Hence Truist offered us 3.1 % rate for the 15 years mortgage, which was way higher than market price. We refused the new offer because the house we applied for refinance is our primary home. Our current rate is 3.375 % with 30 years loan. We won't apply 3.1 % rate for 15 years loan plus over {$6000.00} closing cost if Truist informed us from the beginning. Truist sent out Credit Denial statement for our loan application dated XX/XX/2020. We have excellent credit which both are over XXXX. We believe Truist imposed higher rate to us due to our race ( we are XXXX and XXXX ). Truist underwriting officer spoke to us like we were alien who didn't understand her English, and questioned us like she was law enforcement officer. Not only her phone call had no caller ID and it was scratching with poor connection. We insisted we preferred email communication since we started the application. We sent two certified letter asking for the reason of credit denial on XX/XX/2020 and XX/XX/2020 without any response. On XX/XX/2020, Truist called and she pretended they didn't understand what we asked for. We had to send the 3rd certified letter on XX/XX/2020 to explain what we looked for. A letter dated XX/XX/2020 from Truist stated the refinance application was denied as Truist was unable to grant credit under the terms as a primary home. Truist changed the rate from 2.75 % to 3.1 %. We believe this is credit discrimination!

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 2020-10-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: NH

Complaint narrative:
XX/XX/2020 received a Debit Visa Card in the name of XXXX XXXX that appears to be Ohio Unemployment Insurance Program. I do not live in Ohio and have not applied for Ohio unemployment. 

XX/XX/2020 Called Cardholder Service at XXXX and could never get through the holding cycle of the phone system. 

I do not want this card never requested this card and do not want it to affect by 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 non-monetary relief