vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX Reported that I was 30 days late. I never received any notification that this account was past due. I had no payment due on the app at all. I paid off this loan in XXXX on the app. I took out another loan. I have confirmation from XXXX XXXX staff. 
XXXX Loan was paid my only notification was paid on the app. They should never been able to report this without me knowing. It is totally irresponsible that credit agencies are able to take any information drop my score before contacting me. There needs to be a total revision to how credit agencies apply information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: GA

Complaint narrative:
XXXX XXXX Reported that I was 30 days late. I never received any notification that this account was past due. I had no payment due on the app at all. I paid off this loan in XXXX on the app. I took out another loan. I have confirmation from XXXX XXXX staff. 
XXXX Loan was paid my only notification was paid on the app. They should never been able to report this without me knowing. It is totally irresponsible that credit agencies are able to take any information drop my score before contacting me. There needs to be a total revision to how credit agencies apply information.

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 2020-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This is an attempt to collect a debt that I don't owe. I was only XXXX and did not apply for this credit. Please have this account removed from my credit report. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15 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: OH

Complaint narrative:
I sent experian two disputes that they have not responded to they are reporting inaccurate information on my consumer report. I will attach the 2 certified letters that I have sent to experian and I will include my paystub with my address on it. There are unauthorized credit inquires on my consumer report a credit collection and an inaccurate late latepayment from a XXXX account ive always had 100 % on time payments I requested experian to send me a full discription of there method of verification to determine the accuracy of the information hosted on my consumer report and I have not recieved anything bearing my signature or any original documentation or any correspondencce to my dispute in general. I ask that experian corrects the errors on my consumer report immediately by deleting the inquires on my report that are hosted without permissible purpose change the late payment error and also delete the credit collection account that is on my consumer report.

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 2020-02-15 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: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
My first issue is with Target ( Target Red Card ) I opened a card XX/XX/XXXX. I made my payments on XXXX for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX. 
I went to use my card at Target and it didnt work. I tried to call Target but was referred to a collection agency XXXX. At that point Target would not take my calls. I HAD to talk to the collection agency. I was horrified to find out that NONE of my payments were credited. I made my payments over the phone and received confirmation numbers. I WAS NOT NOTIFIED that my payments were not crediting. The collection agency told me that for the XXXX payment my account was frozen and the first 2 payments didnt credit because I didnt call my bank to give them a heads up? What? 
That conversation was XXXX at XXXX XXXX. 
The first person I spoke with told me that they dont take pre-paid debit cards. Again, no notice My second issue is with XXXX XXXX and my car payment. I had automatic withdrawals from my checking account set up and this last payment for XXXX was supposed to come out on XX/XX/XXXX ( due date is XXXX ) I was told that if I could set up my payments for the XXXX and I would not be making late payments. Then I call them because my paycheck does not go into my account until XXXX and I was told that not only would I have a 30 day late on my credit but every single payment I have made has been late! I am devastated. I have been working with XXXX XXXX XXXX since last year and they successfully brought my score up and in a matter of 10 days my credit score has dropped 97 points. I need help! These companies could care less. I cant even reach target at all, just the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2020 - Wrote check for {$1200.00} to Citibank/Citicards for payment of bill XX/XX/2020 - Citbank/Citicards withdrew {$12000.00} from my checking account XX/XX/2020 - I called Citibank/Citicards to request return of {$11000.00} stolen from checking account. Citibank/Citicards stated that funds would be returned by XX/XX/2020 XX/XX/2020 - Stolen funds have not been returned XX/XX/2020 - I called Citibank/Citicards requesting immediate return of stolen funds. Citibank/Citicards acknowledged failure to return stolen funds. 
XX/XX/2020 - Stolen funds have not been returned

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 monetary relief
Consumer complaint received 2020-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: HI

Complaint narrative:
I pay an extra {$250.00} week on my mortgage to be applied to principal. Fay servicing puts it it into a suspense account until i ask them to move from suspense to be applied to pricipal. 

The checks are clearly marked to be applied towards principal. I pay extra to reduce the interest paid yet and they continue to put funds into a suspense account. 

I would like to have the mortgage recalculated to have these payments applied upon receipt to reduce the interest paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
Portfolio recovery service has called me EVERYDAY for the 2 weeks. They have been calling me for months but just recently they call me everyday multiple times a day. I have called and spoke with a supervisor, I have asked each and every employee that called me to stop calling/ put me on the do not call list/ remover my number, whatever needs to be done. They will not stop harassing me regardless of what I say to them. I would greatly appreciate it if they would not call me ever again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
We have received repeated calls from this number to my fathers land line. Recorded messages have repeatedly been left on my fathers answering machine, heard by both of us as the answering machine broadcasts all answered messages. I am not sure who they are trying to contact, me or my father, since I have not spoken with them as of yet, however the breach of privacy concerns me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I receive a business report from Experian XXXX XXXX Report stating I have 3 equipment leases which I don't have and other persnlsvcs of which I have no idea what this even is. On top of this they are reporting under my business name another person as a member that was removed since 2017 as a member manager. This is the type of reporting we get from supposed respected company 's operating in the USA unbelievable. 

XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, Fl. 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 2020-02-15 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: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
My first issue is with XXXX  ( XXXX  XXXX  Card ) I opened a card XX/XX/XXXX. I made my payments on XXXX-XXXX  for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX. 
I went to use my card at XXXX and it didnt work. I tried to call XXXX but was referred to a collection agency XXXX. At that point XXXX would not take my calls. I HAD to talk to the collection agency. I was horrified to find out that NONE of my payments were credited. I made my payments over the phone and received confirmation numbers. I WAS NOT NOTIFIED that my payments were not crediting. The collection agency told me that for the XXXX payment my account was frozen and the first 2 payments didnt credit because I didnt call my bank to give them a heads up? What? 
That conversation was XXXX at XXXX am. 
The first person I spoke with told me that they dont take pre-paid debit cards. Again, no notice My second issue is with Credit Acceptance and my car payment. I had automatic withdrawals from my checking account set up and this last payment for XXXX was supposed to come out on XX/XX/XXXX ( due date is XXXX ) I was told that if I could set up my payments for the XXXX  and I would not be making late payments. Then I call them because my paycheck does not go into my account until 4-5pm and I was told that not only would I have a 30 day late on my credit but every single payment I have made has been late! I am devastated. I have been working with XXXX XXXX XXXX since last year and they successfully brought my score up and in a matter of 10 days my credit score has dropped 97 points. I need help! These companies could care less. I cant even reach XXXX  at all, just the collection agency.

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 2020-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on XXXX of XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX. 
The funds were transferred utilizing Coinbase 's services in the total amount of XXXX GBP! 
I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
I have disputed this debt with this company ( Enchanced Recovery Company ) several times. It has been taken off over and over and placed back on my credit report. This company claims that I opened an account on XX/XX/2018, with XXXX. I do not have any accounts with XXXX. I did not open an account with XXXX. Please take this off my credit report. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My credit report was pulled by XXXX XXXX. I was a customer ; however, they filed a judgment and the case was settled last year. They have no legitimate business purposes in accessing my report. It seems like harassment.

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 2020-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EMG ACQUISITION GROUP, LLC
State: PA

Complaint narrative:
I am represented by an attorney XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX Ph # XXXX. I filed for Chapter XXXX bankruptcy through this attorney. 

I notified Minute Loan Center located at XXXX XXXX XXXX, XXXX, DE XXXX, Ph # ( XXXX ) XXXX, Ph # ( XXXX ) XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ; Ph # ( XXXX ) XXXX of the attorney 's representation and the bankruptcy filing. 

I received text messages and voice messages from Minute Loan Center daily requesting me to contact " XXXX '' or XXXX regarding the loan. I replied several times stating Do Not Contact Me and contact Attorney XXXX XXXX. Minute Loan Center continues to text and call daily. 

On XX/XX/2020, I contacted XXXX and spoke to XXXX. After informing XXXX of the same, XXXX stated XXXX will continue collection activities regardless until they receive a letter from the court.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Mortgage is delinquent by {$14000.00}, working with Loss Mitigation department for months with no resolve. Mortgage collection sold to Shellpoint Mortgage Company 15 days ago. Spoke with them and was told the Mitigation was in process with them now and was being handled by our representative. I could call to make payments on automated systems XX/XX/20 Called to make a monthly payment, automatically routed to an alleged representative that is never there and will not return calls. 

Called back without identifying self and got an agent who refused to take a payment, only will take payment in full, otherwise must talk with assigned representative who is not available. 

I noted to agent that this is a recorded line and is therefore discoverable. Asked to escalate to a supervisor was left on hold for A representative took the call since past due account they can not take a single payment must be 4 of those payments. I am not able to accept one payment at this time I can not pay one months payment in any way, shape or form. They can not take anything but 4 payments, this has never been said or sent in writing this is the first I am hearing this. I was welcomed to mail in a check but it could be refused and returned or held with no action. 

Note that previous company, XXXX, took monthly payments while working on a payment arrangement. Fees continue to escalate during this time. 

I asked for a manager and was placed on hold once more. 

With the manager, we advised each other we were both recording, I simply repeated everything I was told for confirmation and again asked for a process to send in a monthly payment. Given same story with no option to make a payment other than an amount I can not pay. Because the payment arrangement was not in place, they will not take any monthly payments until this is reviewed and will take up to 60 days 2 months of additional and forced delinquency to complete this review. Any payments sent in will be returned. I questioned the legality and was told this was their policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I registered a complaint on XX/XX/XXXX, XXXXReferencing complaint # XXXX. A representative from CFPB, XXXX, XXXX, XXXX, contacted me to clarify my points. This complaint was filed against Bank of America and my recent mortgage refinance. 
I am not sure if this is the correct avenue to take at this point, but I reached out to XXXX, and not knowing the correct procedure for update or additional concerns, I am writing this appeal. 
As noted in my complaint there were several closing dates assigned to this settlement. The one dated XX/XX/2020 was held at a BoA branch. My husband and I signed documents, which noted the closing date and the disbursement date as the same, XX/XX/2020. As we discovered the mortgage had not been disbursed until XX/XX/2020. It appears this delay by BoA increased our Total Payoffs and Payments ( line item K in the Closing Documents ) to increase by {$3000.00} in our new adjusted mortgage. My complaint is that if BoA had closed and disbursed as documented and signed at our XXXX closing personally attended appointment with a XXXX XXXX XXXX representative, the {$3000.00} would not now be included in our 15-year mortgage total payoff but submitted through our escrow.I was not aware of this change in Total Payoff amount until we received the XX/XX/2020 Closing Documents in the mail. No explanations were offered or given by BoA. 
Overall, this adds to the concern for procedures, delays, and outcomes caused throughout this refinancing process.

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 monetary relief
Consumer complaint received 2020-02-15 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 — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Since XX/XX/XXXX I've sent more than enough docum2 to prove my identification was stolen twice, and I'm stranded from my homw state of XXXX. 

In XXXX I sent proof of established credit from XXXX before my life was threaten by this identification theft that change my name to " XXXX '' instead of XXXX which made my social security card & XXXX  id not match. 

I'm the victim of an federal offense, why do I need to fix my : Not having a fico svore from XXXX. 

My XXXX  credit file has my statment for creditors to review, not allowing my credi card to be approved after sending documents for months in an disgrace. 

I'm XXXX, because the XXXX  XXXX made an clerical error on XXXX  name & XXXX  data breach has nothing to do with me. Approve my credit before I file an federal lawsuit under the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: TX

Complaint narrative:
On XX/XX/XXXX I got an alert from one the Credit Bureaus Equifax that my credit Utilization went from 12 % to 18 %. From my previous. XXXX monthly statement my balance was XXXX. I didn't have a balance or owe any fees. I immediately called the Company and asked " Why did they report that my balance increased, when they don't report until XX/XX/XXXX of this month. The representative ensured me that my balance was XXXX. The amount for {$48.00} increased my utilization and caused my score to drop 10 points on Equifax. My correct balance on XXXX XXXX was {$24.00} The representative from XXXX XXXX told me to call Equifax. I called Equifax and spoke with a supervisor XXXX. He said that XXXX XXXX had updated to the Bureau through electronic. I explained that I was looking at my correct account as we were talking on the phone and that the last report from XX/XX/2020 showed a balance of {$48.00} dollars and that a comparison with XXXX   showed a XXXX  balance from XX/XX/2020. I explained that this was a violation of my FCRA and it should be removed. They refused to remove it. I had also explained that the reporting date was incorrect as well that the company reported on the XXXX of XXXX of the previous month was also the same issue before that I was calling about now. 

I called back to XXXX XXXX XXXX  and asked to speak with a Supervisor. I spoke with a supervisor XXXX  and he reviewed my account and he clearly said that my balance was XXXX  and that they only report once a month. I asked him to explain how Equifax received this information if it wasn't reported. I explained that this was illegal and violated my rights as a consumer. He said that the only feasible thing to do was contact the correspondence via fax and that an investigation would take about 5 days and that was to department that correspond with the bureau 's. I explained meanwhile my credit would remain unchanged and that it would be passed the new reporting month. 

I have all records of the complaint that I'm filing. This is costing me valuable time and money to dispute with the bureau 's and companies not reporting accurate information.

Company response to consumer: Closed with explanation