vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
1 ) Per escrow analysis from mortgage company Mr Cooper, making an additional payment of {$2800.00} would put my monthly  payment at {$2000.00}, and in XX/XX/XXXX I mailed check # XXXX to Mr Cooper and wrote " escrow shortage '' on it. Therefore my monthly payment changed the following month ( XXXX ). Up to now I have no idea what happened to the additional escrow payment as Mr Cooper continues bill me as if the escrow shortage was not paid for. I have made numerous calls to no avail. I have spoken to Ms XXXX on XX/XX/XXXX, to XXXX XXXX on XXXX, to XXXX  on XXXX and everyone confirms having received the escrow payment, and said the matter would be resolved once they send a note to the Escrow department, but it remains unresolved seven months later. 

2 ) For the past 10 years, my monthly payments have always been timely. However, on my credit report ( XX/XX/XXXX ) my mortgage payments have been late 30-59 days as reported by Mr Cooper for which my XXXX  credit score has taken a plunge from XXXX to XXXX. This needs to be resolved at once. Calling Mr Cooper has been nothing but a waste of time, and energy. It's very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
SEE HERE IS THE ISSUE WITH YOUR HORRIBLE CREDIT BUREAUS. THEY ALL ARE OUT FOR MONEY? 
I THINK ITS XXXX SHAME HERE AT THIS NATIONAL CRISIS TIME TO BE ASKING PEOPLE TO PAY MONEY TO HAVE THEIR CREDIT FILES MONITORED. WHO IN THE XXXX CAN AFFORD TO DO THIS MONITORING MESS? Not to mention, this other Scam that XXXX  has going about the XXXX  your Credit Score? XXXX  run these fake advertisements telling consumers to list one of your major credit cards that shows that you pay your utilities with then XXXX  will so call XXXX  your credit scores up to 50 points. Total lie! I did the XXXX scam with XXXX  credit bureau to help try to get the extra credit XXXX  for my CREDIT score, It comes to find out this credit XXXX  thing with XXXX   was nothing but a fraud. After you register your credit card info with XXXX  credit bureau they send you a fake email saying theyre still trying to track your utility payments showing up on your credit card you registered with XXXX  so they can XXXX your credit score but XXXX   do no such thing! things like this is what your agency MUST stop these National Credit Bureaus from doing. Its a Crime! 
OK because its a total scam to get people to spend money with them. the more you spend with these fake lowlife credit bureaus then they will help you with your score. I dont think so! every consumer earns the right to their own score by working hard to pay their bills best they can especially during this horrible National crisis! 
I as a consumer CAN BARELY PAY RENT AND UTILITIES NOT EVEN FOOD OK SO SICK OF THIS! Why keep putting me through this UNNECESSARY STRESS. 
DONT YOU PEOPLE THINK WE CONSUMERS HAS BEEN THRU ENOUGH! STOP THIS MESS RIGHT NOW. TRANSUNION/XXXX   SHOULD HAVE NEVER ALLOWED THIS KIND OF THING TO HAPPEN WITHOUT CONTACT ME AS THE CONSUMER FIRST. WHY DO THESE CREDIT BUREAUS JUST GO AHEAD AND POST all kinds of crazy XXXX ON HARDWORKING CONSUMERS CREDIT FILES WHEN IN THE FIRST PLACE CREDIT BUREAUS HAS NO PROOF THAT THIS IS REALLY an ACCURATE DEBT? Consumers should be given the benefit of the doubthow do we know a fake creditor is plotting to try to extort money? I can understand that some consumers never even think about checking these kinds of mishapBUT I DO because I AM DESPERATELY TRYING HARD AD XXXX TO BETTER MY CREDIT SO I CAN START MY OWN BUSINESS. STOP ALLOWING THESE CREDITORS THAT I HAVE NO IDEA OF KNOWING SABATOSH MY CREDIT REPORTS! LOOK AT ALL OF THIS MESSI am finding on my credit reports. Please make this STOP!

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Opened a brokerage account with Charles Schwab on XX/XX/20 account number ending in XXXX, I was then locked out of this account online when I attempted to login after setup account online with user id and password. I received confirmation email confirming accounts have been activated and setup. I then contacted Charles Schwab on Saturday XX/XX/20 to link account to my bank account for transfers. I contacted XXXX a customer service representative for Charles Schwab at XXXX XXXX is based in Texas. XXXX said the account needed verification, because I used my business federal tax id number, however Charles Schwab needed my social security number. I gave XXXX this information and he setup the account and provided access to my Charles Schwab account  ending inXXXX, and XXXX. I then linked my XXXX XXXX account information to complete an initial transfer to link accounts. All my personal information was linked and shared with Charles Schwab,  I was never told that a credit check needed to be completed before setting up, or establishing a broker account, or high yield checking account. XXXX confirmed everything looked good and I would receive my checks and visa within 7 days. I received a confirmation email for both accounts. On Tuesday XX/XX/20 I attempted to logon to my brokerage/high yield checking accounts. but was locked out, I then contacted Charles Schwab and spoke with XXXX and customer service and XXXX and tech support who said I was denied through XXXX XXXX, I filed a complaint with FINRA XXXX, I was not told or asked to run a credit check to open a broker account which was open separate from high yield checking. I went online to verify which information that was reported on me but was denied access through XXXX XXXX automated systems. I was transferred to a woman in XXXX that requested my drivers license and social security number. I was still not told any verifiable information. My consumer and credit rights were violated by Charles Schwab and XXXX XXXX. I have a credit freeze on my credit file. I was lied to and manipulated by Charles Schwab to  provide both my TIN and Social Security Number and then denied a broker account after linking my checking account to their systems.

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 2020-09-15 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: IL

Complaint narrative:
Experian and XXXX  are fraudulent on my credit XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX/XXXX  is fraudulent on my Acct # 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 2020-09-15 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: FL

Complaint narrative:
To Whom it may concerns, please remove those charges from my credit reports. They are fraudulent accounts and I did not give permission to any of these people to apply any charges on my accounts. This is very stressful the fact that I constantly have to worry about people using my name wrongly. 

Thank you.

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 2020-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have had some very serious issues with my credit file over the past few years and I recently discovered that there are several problems and inaccurate data ( information ) that need correction as soon as possible. Somehow there is 3 different SS on my file, unknown addresses on my file, and so fraudulent account that do not belong to me. 
My correct spelling of my name is : XXXX XXXX XXXX my SS XXXX my DOB XXXX My only address is XXXX XXXX XXXX XXXX, TX XXXX. 
Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX I have unverified accounts from the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-09-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have had some very serious issues with my credit file over the past few years and I recently discovered that there are several problems and inaccurate data ( information ) that need correction as soon as possible. Somehow there is 3 different SS on my file, unknown addresses on my file, and so fraudulent account that do not belong to me. 
My correct spelling of my name is : XXXX XXXX XXXX my SS XXXX my DOB XXXX My only address is XXXX XXXX XXXX XXXX, TX XXXX. 
Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX I have unverified accounts from the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have reached out by letter and phone to the credit reporting agencies about updating my personal information. and so far they have not complied, there are still addresses and names that shouldn't be on there, and I fear my identity has been compromised because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX  canceled my flight and the the country I was visiting had a travel band. The airline never returned my money.I sent supporting documents several times. Capital one claim I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  and TransUnion are fraudulent on my credit  XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX/XXXX  is fraudulent on my Acct # 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 2020-09-15 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The companies involved continue to report inaccurate information on my credit report after a so called investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The companies involved continue to report inaccurate information on my credit report after a so called investigation.

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 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2013 I deposited {$1600.00} cash into a drive-thru ATM at Citibank after depositing the money I receive The receipt stating technical difficulties can not withdraw money I was confused I just deposit cash? I went into the bank to talk to gave me an 800 number to call that was on the receipt, that I received l, after depositing the money i mentioning to the teller that I deposit cash and I need the money to be credited due to bills and other financial obligations I was told I need to file a dispute and I will be credited  once they do an investigation up to 45 days I looked on XXXX and I found out this ATM machine had same issues with other clients it's an ongoing problem, from other customers if you do the reviews this is not a first time occurrence The machine will not give you money but it would take money or would not record money and we have to wait 45 days for Citibank to do an investigation before we get credit to our account, I spoke to the manager where in fact he said he can not do anything, and this is the way the neighborhood is and that's that???? this caused a lot of inconvenience a lot of heartache a lot of pain and suffering due to bills need to be paid, please help me with this  situation other people have had the same issue, I am without money and they won't fix the ATM machine. ( drive-thru )

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 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: WI

Complaint narrative:
I called about three weeks from today and inquired about the letter that was sent to me about a settlement offer. In the offer its states that they have a very special offer to resolve your unpaid balance. Also that they are willing to settle my account for 75 % of the balance due as stated above. When I called the young lady told me that they dont settle for 75 % and they can only do it for 25 %. I read the letter to her a few times and from what I was told that was in correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caneel Capital, LLC
State: CA

Complaint narrative:
Trinity Financial Services have not made contact with me until XX/XX/XXXX this year. 
The original second was 14 years ago ( XXXX ). I have not received a mortgage statement. My original debt was with a completely different company I show a loan of {$120000.00}. I do not have documentation of Trinity securing my loan. They are currently stating I owe double the amount including a 11.5 % interest rate. I've had no correspondence or knowledge of this company until a couple months ago.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
The company in question ( Paypal Credit ) has repeatedly defamed my character and is unwilling to correct an issue that I am not at fault for. Payments which were scheduled were not made due to their auto-payment system not functioning correctly. I was not notified until well after 90 days delinquency. Every time I call in, they tell me it is my fault, I am an XXXX, and I was being irresponsible.To the contrary, I made every good faith attempt to straighten out any issues as I were made aware of them. The preeminent issue is that I was never made aware of any issues until well after they reported it to the credit reporting agency. Unfortunately, they will not even consider submitting another appeal on my behalf as they stand by their narrative as noted above. At this point, I am considering pressing charges ; but, I am interested in pursuing any further options that I have.

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 2020-09-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom it may concerns, please remove those charges from my credit reports. They are fraudulent accounts and I did not give permission to any of these people to apply any charges on my accounts. This is very stressful the fact that I constantly have to worry about people using my name wrongly. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom it may concerns, please remove those charges from my credit reports. They are fraudulent accounts and I did not give permission to any of these people to apply any charges on my accounts. This is very stressful the fact that I constantly have to worry about people using my name wrongly. 

Thank you.

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 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a mortgage loan with Bank of America and from XXXX to XXXX, it was easy to make a payment and all my banking information was already in the system. I would call and the payments were debited within a week. Fast forward to XX/XX/2020, I called Bank of America at XXXX and my first observation was that the system was asking me for banking information all over again. I keyed in my information to make my payment in the amount of {$1200.00}, but there was no confirmation number or or the dollar amount. The system used to ask the date that you wanted the payment to post to your account, but on this day I just received an automated voice saying " Thank you '' for your payment and goodbye. I then called back the customer service number and had to wait one hour and fifty minutes to speak with XXXX. After informing her of my payment issue, she gave me the following payment research number : ID # XXXX. I had not received any followup about the initial payment and call. So, I made another phone call on XX/XX/2020 and at XXXX XXXX. The customer service line at XXXX again stated a 90 minute hold time. I just wanted to know if my payment had been received. Instead of waiting the 90 minutes, I called the customer service line, but pressed the option for COVID assistance. XXXX answered the call within a few minutes and confirmed that my payment of {$1200.00} had been received and processed. However, due to the issues with the payment system, my payment still had not been debited from my checking account. I placed another call on XX/XX/2020 at XXXX XXXX  and waited until XXXX XXXX to speak with someone. XXXX stated she would escalate the issue and to check my bank account on XX/XX/2020. Upon checking my account, the payment of {$1200.00} still has not been debited. I usually make my payments right around the XXXX of the month. Today, XX/XX/2020, I wanted to make another payment, but when I called the customer service number XXXX, the payment system asked for my checking account information again. To remedy me not going through the same circumstances as XX/XX/2020, I tried to call and speak with someone to make a payment. Consequently, there was another 90 minute wait time. I am trying to make my payments on time and continue with my good credit. I am not behind on my payments and would just like to find out what happened with the payment on XX/XX/2020. I would also like to be able to trust my lender.

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