vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-28 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: TX

Complaint narrative:
I don't understand why only Equifax report this account XXXX XXXX XXXX as late when in fact it is not paid late, the account is current not 120 days late since XX/XX/2017 ... Equifax did not give me evidence or verification as to why they will not reverse the late payments. I was not late on the month it shows on the report, I have receipts to prove this. CFPB please step up and fix this ASAP please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I filed bankruptcy back in 2011 due to medical reasons. Went through the 7 year wait time, all while still paying mortgage to Bank of America, XXXX and currently XXXX XXXX. I was told that these companies DID NOT HAVE TO report my 'ON TIME ' payments to the 3 credit reporting agencies. Granted, I do not have ANY credit cards, but shouldn't mortgage payments count?? It was rather surprising to find out that my credit score was, and currently still is, XXXX 'XXXX '. This can not be correct. Please help. 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 2019-06-28 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: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
To whom it may concern, We have a VA loan with PennyMac Loan services. In XX/XX/XXXXwe knew we would have difficulties paying the monthly payment in full. We called PennyMac to let them know it would be late. They recommended we do a loan modification. After lots of questions, we agreed. We were told to take XX/XX/XXXX and XX/XX/XXXX and not pay the mortgage while the reviewed and prepared for our 3 trial payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). We were told all of it would be reported to the credit bureau as a part of the loan modification process and be grayed out, not impacting it negatively. 

However, when we went to get a new home loan we say that XX/XX/XXXX-XX/XX/XXXX were included but not XX/XX/XXXX. Therefore, XX/XX/XXXX displayed a 90+ day late amount. As a military family moving to a rural area with limited rental options, we panicked and called the company to resolve the issue. 

We were informed they wouldn't fix it as nothing was misreported. So we submitted a complaint to the XXXX which finally got them to call us and investigate. We were sure after listening to the recording that they would amend the issue and include XX/XX/XXXX in the process, as we were told, and XX/XX/XXXXwould be corrected ( as we DID make the payment that month ). However, the young lady investigating informed us she found no evidence of anything being said in the recording. We asked if we could simply be given a one time courtesy forgiveness and change. We were told they be we do that under any circumstances ( which we know to be false ). 

After more discussion, we contacted her directly and requested the transcript from the conversation to review and see if we could locate where we were told to not make XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX payments. However, despite several attempts to reach her, the Penny Mac representative has refused to return our calls. 

We firmly stand by the fact we were told to take XX/XX/XXXX and XX/XX/XXXX to not make payments. Had we known we needed to make them, we would have. While they included XX/XX/XXXXthey still refuse to amend this to include XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One Bank account # Reference : Capital One 360 CD account ( cancelled 6-27-19 ) # XXXX. 

I just called Capital One Bank 360 customer rep againXX/XX/2719 and not happy with their answer and decision. They advised me to cancel the CD account without giving me the accrued daily interest because I told them that the interest CD rate they gave me to renew the one year CD account did not match what they offered me 4 weeks ago when their office sent out email inviting me to renew the CD at 2.7 % ; I found out they actually gave me 2.3 % on XX/XX/19. 

I questioned their office why they emailed me 4 weeks before the mature day and offered me 2.7 % rate if I signed up the auto-renewal 4 weeks ago for another year. They did not give me the satisfied answer. 

The customer rep said " per their bank policy, I can cancel the CD today upon my call but the past few days would not receive daily interest. "

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My XXXX account was opened on or about XX/XX/2019. I was supposed to receive a {$50.00} promotion for meeting the terms within 60 days. I met the terms and the {$50.00} was due on XX/XX/19. However to date, the funds have yet to be credited to my account. I have contacted Wells Fargo on over 5 occasions and was advised it would be credited no later than XX/XX/19 but still have not received the funds as of XX/XX/19.

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 2019-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has release my bank records going back to XXXX to XXXX XXXX   XXXX these records are more than 10 yrs old and should not be on my record I was advised by XXXX XXXX XXXX that account would be closed after 5 yrs on XX/XX/XXXX which did not happen only to be told that they have the options to delete the record after 5 yrs or 7 yrs per their guides I request that Bank of America provide me with their criteria for hold accounts for 5 yrs or 7 yrs and a methods used to do this. This account is still open on XXXX XXXX XXXX with inaccurate information. My purse along with my checkbook was stolen and have the unauthorized transaction on this account as a victim of identity theft this should not continue to affect my life any longer

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 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I filed bankruptcy back in 2011 due to medical reasons. Went through the 7 year wait time, all while still paying mortgage to XXXX XXXX XXXX, Nationstar and currently Mr Cooper. I was told that these companies DID NOT HAVE TO report my 'ON TIME ' payments to the 3 credit reporting agencies. Granted, I do not have ANY credit cards, but shouldn't mortgage payments count?? It was rather surprising to find out that my credit score was, and currently still is, XXXX 'XXXX '. This can not be correct. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: VA

Complaint narrative:
To whom it may concern, We have a VA loan with XXXX XXXX services. In XXXX we knew we would have difficulties paying the monthly payment in full. We called XXXX to let them know it would be late. They recommended we do a loan modification. After lots of questions, we agreed. We were told to take XXXX and XXXX and not pay the mortgage while the reviewed and prepared for our 3 trial payments ( XXXX, XXXX, XXXX ). We were told all of it would be reported to the credit bureau as a part of the loan modification process and be grayed out, not impacting it negatively. 

However, when we went to get a new home loan we say that XXXX were included but not XXXX. Therefore, XXXX displayed a 90+ day late amount. As a military family moving to a rural area with limited rental options, we panicked and called the company to resolve the issue. 

We were informed they wouldn't fix it as nothing was misreported. So we submitted a complaint to the XXXX which finally got them to call us and investigate. We were sure after listening to the recording that they would amend the issue and include XXXX in the process, as we were told, and XXXX would be corrected ( as we DID make the payment that month ). However, the young lady investigating informed us she found no evidence of anything being said in the recording. We asked if we could simply be given a one time courtesy forgiveness and change. We were told they be we do that under any circumstances ( which we know to be false ). 

After more discussion, we contacted her directly and requested the transcript from the conversation to review and see if we could locate where we were told to not make XXXX/XXXX payments. However, despite several attempts to reach her, the XXXX XXXX representative has refused to return our calls. 

We firmly stand by the fact we were told to take XXXX and XXXX to not make payments. Had we known we needed to make them, we would have. While they included XXXX they still refuse to amend this to include 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 2019-06-28 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 — Investigation took more than 30 days
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
My original mortgage was with a company called XXXX. I have had this mortgage since XX/XX/XXXX.  XXXX was merged with a company called PHH, and beginning on XX/XX/XXXX PHH took over. This new company began reporting information to all of the credit reporting companies on problems I encountered years ago, XX/XX/XXXX-XX/XX/XXXX. The first was past due on accounts, which wasn't true. I contacted both mortgage companies, and they withdrew that notification.It has been removed from my credit reports. Now, PHH has notified the credit reporting companies that my loan was " modified ''. Yes, it was, in XXXX. They are reporting this again, even though XXXX had done so, when it took place. After 10 years, it dropped off the reports, and now thanks to PHH, it is back on again. This has caused my fico score to drop, my credit limits have been reduced and it should not be on the report to begin with since it was so long ago. I am sure I am not the only home owner that went through loan modification during the real estate meltdown. I worked very hard to recover and improve my credit scores, only to have them destroyed by this company for no reason.Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have two Derogatory marks against me from XXXX and XXXX. Stating the accounts were dismissed due to chapter XXXX. I have never filed bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
Southwest Credit System place this negative account medical account on my credit report as I was unware of the debt and could not Dispute the information as they sent mail to an address I did reside at ... 

After I seen the negative account my credit report. I sent them a request to remove the account ASAP. Southwest needs do the following : 1. Remove this account of my credit report ASAP as I was unaware of this debt. 
2. Show they have the right to collection in Ohio. 
3. Provide method of validation for this account as I recall owning money on a account of this nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My original mortgage was with a company called XXXX. I have had this mortgage since XXXX. XXXX was merged with a company called XXXX, and beginning on XX/XX/XXXX XXXX took over. This new company began reporting information to all of the credit reporting companies on problems I encountered years ago, XX/XX/XXXX-XX/XX/XXXX. The first was past due on accounts, which wasn't true. I contacted both mortgage companies, and they withdrew that notification.It has been removed from my credit reports. Now, XXXX has notified the credit reporting companies that my loan was " modified ''. Yes, it was, in XX/XX/XXXX. They are reporting this again, even though XXXX had done so, when it took place. After 10 years, it dropped off the reports, and now thanks to XXXX, it is back on again. This has caused my fico score to drop, my credit limits have been reduced and it should not be on the report to begin with since it was so long ago. I am sure I am not the only home owner that went through loan modification during the real estate meltdown. I worked very hard to recover and improve my credit scores, only to have them destroyed by this company for no reason.Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Hello I had subjected my social security number and my credit scores to have a card with target and I had been using the card and then I paid the card off. All of a sudden I received a threatening letter from target saying I better use my card or they will close out my account. So I emailed them well customer service and said that is not fair and I had my credit jeopardized for this. So they ended up closing my card in XX/XX/2019 and I saw my credit report and it stated that that closed account has a negative impact on my credit score and report. I should not have to subject myself to financial distress for something that I dont need or want at that time. I have other credit financial responsibilities and I am not going to be forced to make credit card charges that I dont want to. That is the same thing as credit fraud or theft. Them making me make charges that I dont consent or agree to make to have their credit services and I am thinking about legal consultation. I have another credit store card snd it has been paid off longer then target and they have not done anything like that and they are a HIGH END STORE. I got no response from the second email asking why they really closed my dang account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Thank you I have disputed these charge-offs and collections with all three of the credit bureaus, and I was shocked they came back verified. Please provide me with the records used to verify this charge-off as it is inaccurate. Please follow the law ( FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ) and update me with new correction on the above account within 30 days. 

There is incorrect/missing info from these companies on my credit report. 
More specifically, I am referencing to inaccurate account number and a charge- off listed as open. This in direct violation of Section 609 ( a ) ( 1 ) of the FCRA Creditors : XXXX XXXX  XXXX/ XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
On XX/XX/2019 I received a bill from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ohio XXXX. The bill was for an emergency department visit and XXXX at the XXXX Hospital by XXXX XXXX XXXX, MD. It stated that my son received the services XX/XX/2019. My son does not reside in the United States. I researched XXXX XXXX and found them to be a scam. I ignored the bill. They sent another bill a month later but then stopped sending them. 

On XX/XX/2019 I received a bill from Healthcare Revenue Recovery Group ( HHRG ) XXXX XXXX XXXX XXXX, Florida XXXX. This bill shows the same service and cost as the one from XXXX XXXX. Interestingly enough, the payment would be mailed to the same address as XXXX XXXX : XXXX XXXX XXXX XXXX, Ohio XXXX. I researched HHRG and also found them to be accused of scams. I ignored the bill. 

I received another bill from HHRG on XX/XX/2019. At this point I started researching what to do about this problem. Then, on XX/XX/2019, I received a call from HHRG. The call registered as a local number on my caller ID. The representative did not identify themselves or the company until after I insisted. Then the person attempted to obtain personal information regarding my son and myself. I refused to provide information and told the person that I researched their company on the internet and with the XXXX and that this was a scam. I went on to say that the individual stated in the bill receiving services was not even in the United States and that the physician providing the said service did not work for or with the hospital that supposedly provided the service. Then, I went on to tell them to stop sending me bills and calling. The person then disconnected the call.

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 2019-06-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have 1 mortgage account on my credit but 2 are being reported because my loan was transferred which is making my score drop an additional 28 points from the original 60 that dropped when I first received my mortgage I attempted to remove one of them because regardless of it was transferred or not there should only be 1 mortgage account on my credit as well and the joint account holder. I feel like these credit bureaus are getting over doing these type of things its unfair to the consumer Ive worked hard to keep my account on track and pay all my bills on time but I keep getting penalized for another companies mistake

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 2019-06-28 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: Stearns Ventures, LLC
State: CA

Complaint narrative:
I have 1 mortgage account on my credit but 2 are being reported because my loan was transferred which is making my score drop an additional XXXX points from the original XXXX that dropped when I first received my mortgage I attempted to remove one of them because regardless of it was transferred or not there should only be 1 mortgage account on my credit as well and the joint account holder. I feel like these credit bureaus are getting over doing these type of things its unfair to the consumer Ive worked hard to keep my account on track and pay all my bills on time but I keep getting penalized for another companies mistake

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 2019-06-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I made a payment inXX/XX/2019 that should have applied to the payment for XX/XX/XXXX. Navient was supposed to update me on the status of the payment 2 weeks ago and though they havent I continue to get calls from collections reps. I have no issue paying my bill for XX/XX/XXXX, but they need to tell me what happened to my payment for XX/XX/XXXX before I give them another dime. The representative who just called me this XXXX was extremely rude and got very disrespectful after I explained that Navient should have been calling to resolve the issue before asking for another payment. She had way too much attitude for Navient to not be able tell me where my last payment was applied. I am disgusted by the fact that a loan company such as this cant answer a simple question to a person who has willingly paid her bill overall and especially this year. I even had an autopay set up last year and when Navient didnt take the payments as scheduled the rep didnt know what I was talking about ... its all there in the notes.

Company response to consumer: Closed with explanation