vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-31 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: NY

Complaint narrative:
IVE BEEN DISPUTING INFORMATION REPORTED ON MY EQUIFAX REPORT FOR ALMOST A YEAR WITH NO SUCCESS BECAUSE THEY KEPT VERIFYING THE DEBT AS ACCURATE INFORMATION. I HAVE NEVER OWNED A XXXX   CARD ACCOUNT AND THIS IS A FRAUDULENT ACCOUNT. IVE ALWAYS DISPUTED THIS ACCOUNT AS NOT BELONGING TO ME. I HAVE NOW COMPLETED A FRAUD AFFIDAVIT FROM THE FTC TO ALSO HELP WITH THIS DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is a problem with XXXX, Transition, and XXXX, and any other credit reporting agencies, not the credit card company. 

The issues is that these credit reporting agencies are failing to properly disclose legitimate details for the XXXX XXXX XXXX ( copyrighted ) service. These companies refuse to acknowledge the function that " XXXX '' serves in that you can take up to ten larger purchases and spread the payments out for up to 12 months, for a set fee. When that occurs, the Actual balance is less, but there is a total balance that " can - and will be '' significantly greater than your credit limit. I will show an example, in a second. 

These agencies fail to show XXXX " XXXX XXXXt '', as separate loan, or separate line item. In doing so, they just report balance over limit by thousands of dollars and ANYONE looking at that rejects you for further credit say a car loan, or a cell phone. 

These credit agencies are working in the XXXX 's with a fax machine, they need to educate themselves in modern-day XXXX century finance and stop recklessly damaging peoples credit with misleading misstated information. 

This is how it works, let 's say your credit limit is XXXX. You buy a roof for the house XXXX - put it on plan it 12 months, XXXX a month plus the fee. The charge comes off, your daily running balance is XXXX, but you " Do-Have '' a total balance ( XXXX ) plus that fee. 

You then build a garage, XXXX, you had a XXXX balance on card, no problem, XXXX plus XXXX XXXX balance due, you then put the garage on a plan it, XXXX plus the fee for 12 months. 

Your balance due now is XXXX plus the fee, and your Aggregate balance due is ... ... ..XXXX + XXXX= XXXX ... .Bingo!!! they report you over your limit. 

The credit agencies Must change immediately to stop false misleading reporting. Every one knows there is NO-WAY a credit card company will allow someone to grossly exceed their credit limit. 

Please get them to change their reporting and stop the misleading reporting.

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 2019-03-31 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: MI

Complaint narrative:
This is a problem with XXXX, XXXX, and Equifax, and any other credit reporting agencies, not the credit card company. 

The issues is that these credit reporting agencies are failing to properly disclose legitimate details for the XXXX XXXX XXXX ( copyrighted ) service. These companies refuse to acknowledge the function that " XXXX '' serves in that you can take up to ten larger purchases and spread the payments out for up to 12 months, for a set fee. When that occurs, the Actual balance is less, but there is a total balance that " can - and will be '' significantly greater than your credit limit. I will show an example, in a second. 

These agencies fail to show XXXX " XXXX XXXX '', as separate loan, or separate line item. In doing so, they just report balance over limit by thousands of dollars and ANYONE looking at that rejects you for further credit say a car loan, or a cell phone. 

These credit agencies are working in the XXXX 's with a fax machine, they need to educate themselves in modern-day 21st century finance and stop recklessly damaging peoples credit with misleading misstated information. 

This is how it works, let 's say your credit limit is XXXX. You buy a roof for the house XXXX - put it on plan it 12 months, XXXX a month plus the fee. The charge comes off, your daily running balance is XXXX, but you " XXXX '' a total balance ( XXXX ) plus that fee. 

You then build a garage, XXXX, you had a XXXX balance on card, no problem, XXXX plus XXXX XXXX balance due, you then put the garage on a plan it, XXXX plus the fee for 12 months. 

Your balance due now is XXXX plus the fee, and your XXXX balance due is ... ... XXXX + XXXX XXXX ... .Bingo!!! they report you over your limit. 

The credit agencies Must change immediately to stop false misleading reporting. Every one knows there is NO-WAY a credit card company will allow someone to grossly exceed their credit limit. 

Please get them to change their reporting and stop the misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
On XX/XX/2019, I contacted Midland Credit Management concerning four debts I have with creditors in an attempt to resolve the debt. At this time, I spoke with XXXX, a representative of the debt collections agency. XXXX informed me during this recorded call ( recorded by agency ), that all four debts were grouped together under one case #, XXXXXXXXXXXXXXXX, and the total amount of the debts were {$10000.00}. ( Per documentation sent to me following this call, the " principal '' amount of the accounts were {$7100.00} ). In addition, XXXX informed me that on the scheduled court date, which was XX/XX/2019, said proceedings will include all four debts ( accounts ). During the court proceeding with a legal representative for Midland, a settlement agreement was made, wherein I agreed to pay a total of {$4200.00} to settle the four debts no later than XX/XX/2019. However, Midland is currently refusing to acknowledge the settlement agreement. They are claiming that the court proceedings, and settlement agreement only included three accounts, not all four accounts. As previously stated, I was informed by XXXX that the case being heard, or discussed in court on XX/XX/2019 included all four accounts. With that being said, Midland is attempting to collect on a debt that has already been agreed upon in a settlement agreement that was established during a court proceeding. Midland is in direct violation of The Fair Credit Collections Act, Section 807 ( 2a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
I have attempted for over 1 year to get my escrow account removed since First Continental Mortgage 100 % completely messed up my escrow account since they did not properly do an assessment in early XXXX. I am done with this and this complaint BETTER BE HEARD AND SOMETHING BETTER BE DONE ABOUT IT THIS TIME FROM THE CFPB!!! This is my second complaint and NOTHING was done the first time. I was told by First Continental Mortgage that I could have my escrow account removed after XXXX XXXX and after SEVERAL attempts they still have not removed it. I have been forced to make late payments of {$120.00} for the last 3 months now and this needs to be credited back and the escrow accounts needs to removed or the CFPB and First Continental Mortgage are going to be responsible for a Veteran losing his home. LAST CHANCE, GET THIS ESCROW ACCOUNT REMOVED!!! Also take not I made a mortgage payment on XX/XX/XXXX and the automated system did not account for the late payment and I am unable to make any type of payment online and or on the phone again so I better NOT get a 30 day late payment due to the late payment not being apart of the automated system when they took my payment. This mortgage servicing company is XXXX! and if this better be resolved IMMEDIATELY!! REOMVE THE XXXX ESCROW ACCOUNT FOR THE 100TH TIME!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
There are large swings in the amount that goes to Principal and the amount that goes to interest month to month. That is not how an amortization table works I have never missed a payment on any loan. 

I have been paying on these loans for years and to have no principal reduction in the last 2 months and 100 % going to interest one of those months suggests foul play. This is not the first time I have asked why this is happening, its happened multiple times and Navient blow me off saying that it is just day counts of interest. Please perform a full audit of my account. 

I understand daily compounding and days per month will have slight changes in the amounts to the amounts. 

Is Navient incompetent on every level or is Navient stealing from me? 

Here is the most recent example Account Total XX/XX/XXXX Payment - {$79.00} Principal - {$16.00} Interest - {$63.00} Fees - {$0.00} XX/XX/XXXX Payment- {$79.00} Principal- {$66.00} Interest - {$12.00} Fees - {$0.00} XX/XX/XXXX Payment- {$79.00} Principal- {$29.00} Interest - {$50.00} Fees - {$0.00} Loan # 9 ONLY XX/XX/XXXX Principal {$0.00} Interest - {$51.00} Fees {$0.00} Total Payment - {$51.00} Unpaid Principal {$6600.00} XX/XX/XXXX Principal {$0.00} Interest {$0.00} Fees {$0.00} Total {$0.00} Unpaid Principal {$6600.00} XX/XX/XXXX Principal - {$14.00} Interest - {$37.00} Fees {$0.00} Total Payment - {$51.00} Unpaid Principal {$6600.00} XX/XX/XXXX Payment - {$15.00} - {$36.00} {$0.00} - {$51.00} {$6600.00} XX/XX/XXXX Payment - {$22.00} - {$36.00} {$0.00} - {$59.00} {$6600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: NC

Complaint narrative:
I called the creditor which is XXXX XXXX at XXXX XXXX XXXX to pay off 2 debts off of Equifax. I was told that they were removed from there record on XX/XX/2018 and that it should've been removed off my credit report. So i put in a dispute with Equifax 3 times and each time i got a email stating that the issue has been corrected.but i cant seem to get into the right page cause i keep being told that my information isn't correct.but it is ... i know who i bought a car with..i know who i got a credit card with. Im putting in my right imfo but its not right according to equfax.maybe that got wrong information i dont know. In any case the information is still on my report and i want it off.the same information was on transunion but was deleted. I truly dont undertand the problem.please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The last 2 months in 2018 of the credit card payment history show that I was late making the payment. I had the payment scheduled for automatic payment from my account but there was an error in the transaction that prevented the payment from going through. I did make the payment in the Kohls store though. Throughout 2018 I made payments on time but the last 2 months I would like removed from my credit report because this has impacted my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
The XXXX and XXXX months in XXXX indicate that I didn't pay the monthly debt on time when I actually did. I made the payment with Navient on the phone before the due date but a report was sent to my credit that it was late. Also the last 5 months of XXXX reported that I didn't make a payment on time but I had the payments scheduled for automatic payment out of my bank account but a error occurred where payments were not made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
On XX/XX/XXXX & XXXX, my identity was stolen. Someone tried to get a car in my name, resulting in multiple inquiries being made and affecting my credit score. I contacted the credit bureaus and they put a security hold on my credit report. I also tried to contact the companies that made the hard inquiries on my credit report, but they acted like they couldn't help a victim. My last resort is filing a complaint with every company that pulled my credit information. Please delete the inquiry. I did not AUTHORIZE it/them, and would like them removed.

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 2019-03-31 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: The Receivable Management Services LLC
State: CA

Complaint narrative:
Recievables has been reported on my credit report which I am unaware of who they are.I worked with XXXX XXXX to get this removed in the past and it was removed from XXXX but not XXXX. I did not open this account back in XXXX of 2017 and have no recollection of this account but it is still being reported.

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 2019-03-31 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: Exeter Finance, LLC.
State: MO

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX, my identity was stolen. Someone tried to get a car in my name, resulting in multiple inquiries being made and affecting my credit score. I contacted the credit bureaus and they put a security hold on my credit report. I also tried to contact the companies that made the hard inquiries on my credit report, but they acted like they couldn't help a victim. My last resort is filing a complaint with every company that pulled my credit information. Please delete the inquiry. I did not AUTHORIZE it/them, and would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
On XXXX  XXXX & XXXX, my identity was stolen. Someone tried to get a car in my name, resulting in multiple inquiries being made and affecting my credit score. I contacted the credit bureaus and they put a security hold on my credit report. I also tried to contact the companies that made the hard inquiries on my credit report, but they acted like they couldn't help a victim. My last resort is filing a complaint with every company that pulled my credit information. Please delete the inquiry. I did not AUTHORIZE it/them, and would like them removed.

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 2019-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CADENCE BANCORPORATION
State: TX

Complaint narrative:
The mortgage company is holding funds for a homeowners insurance claim. The funds from that are being shown on the monthly statement. 

Received a statement showing a negative balance ( XX/XX/XXXX. XXXX {$6700.00} ). Called in ( XX/XX/XXXX ) and was instructed that since the balance was negative, I did not need to pay. Received a call a couple of weeks ( XX/XX/XXXX ) later looking for payment. Explained what had happened. They apologized, and I set up a payment. 

Was told on that call that it was an error in the way the statements are generated and it should be corrected. 

1 ) I was assessed a late fee of {$27.00}. This is after a ) they send statements that inaccurately show the amount due XXXX it is a negative number ), and b ) they told me not to worry about the payment since the statement showed a negative balance and c ) I paid within 48 hours after they called and explained THEIR mistake. 

2 ) The statements are still wrong. The statement dated XX/XX/XXXX shows a balance of - {$6100.00}, and an amount due of the same amount ( - {$6100.00} ). This should be corrected as it is misleading to the consumer, me, and misleading to the folks working at the bank since they told me not to worry about paying with such a large negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XXXX XXXX & XXXX & & XX/XX/XXXX, my identity was stolen. Someone tried to get a car in my name, resulting in multiple inquiries being made and affecting my credit score. I contacted the credit bureaus and they put a security hold on my credit report. I also tried to contact the companies that made the hard inquiries on my credit report, but they acted like they couldn't help a victim. My last resort is filing a complaint with every company that pulled my credit information. Please delete the inquiry. I did not AUTHORIZE it/them, and would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX has been reported on my credit report which I am unaware of who they are.I worked with XXXX law to get this removed in the past and it was removed from XXXX but not XXXX. I did not open this account back in XXXX of 2017 and have no recollection of this account but it is still being reported.

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 2019-03-31 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: EQUIFAX, INC.
State: LA

Complaint narrative:
After reviewing my credit report from EQUIFAX, I have noticed that the report shows 11 credit inquires that I did not authorize.I have sent letters to these companies and asked them to stop the unauthorized inquiries and have them removed from my credit report. However, it has been 60 days and I have had no response from them. The letters were sent by certified mail, so I am sure when they were received. 
1.XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 12.XXXX XXXXXX/XX/XXXX 4.XXXX XXXX XXXX XXXX XX/XX/XXXX 13.XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XX/XX/XXXX 9XXXX XXXX XXXX  XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-31 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I did a pre qualifications with PayPal Credit syncb ppc .they only ask for the last 4 digits next thing I now its a hard inquiry on my credit report they ware only supposed to do a soft pull not a hard pull

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