vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
ALPINE CREDIT INC on behalf of XXXX XXXX MD put a {$38.00} collection account on my credit they are claiming to be my wife 's. One that I know I never co-signed on, yet they are reporting it as such. When I call to have them correct the issue they become combative, wrongly tell me this is Colorado State Law and hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: TX

Complaint narrative:
DATE : XX/XX/2018, LOAN AMOUNT {$1300.00} AND {$2000.00} THIS LOAN SHOULD HAVE BEEN A XXXX BALANCE. THIS LOAN WAS ALSO TRANSFER TO ANOTHER LENDER ( XXXX ) WHICH I AM ALREADY MAKING PAYMENTS TO

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 2018-04-26 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: TX

Complaint narrative:
DATE : XX/XX/2018, LOAN AMOUNT {$1300.00} AND {$2000.00} THIS LOAN SHOULD HAVE BEEN A XXXX BALANCE. THIS LOAN WAS ALSO TRANSFER TO ANOTHER LENDER ( XXXX ) WHICH I AM ALREADY MAKING PAYMENTS TO

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 2018-04-26 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX partial account # XXXX ... 
XXXX 
Hard enquires XXXXXXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX XXXX XXXX XXXX XXXX Az 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 non-monetary relief
Consumer complaint received 2018-04-26 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: AES/PHEAA
State: CA

Complaint narrative:
I was speaking with a representative after I discovered an error. I used the loan payoff calculator on the XXXX website to pay off the balance of three of my loans. When I checked the next morning there was still a balance. After speaking with them they admitted a mistake and were submitting a request to get the payment reapplied to remove any balance that I had. However that got me thinking, what else have they messed up? 

I called furiously requesting them to review my account in whole which they said takes a while. Only takes 1 day for them to take the money out of my account, how convenient. 

Anyways I called back and started asking about how they calculate interest and how many days are included. Using the sample of my payment on XX/XX/XXXX they said it was 29 days. My last payment had been on XX/XX/XXXX. The employee said I paid 29 days of interest for the XX/XX/XXXX payment and 32 days of interest on my XX/XX/XXXX payment. But insisted that the XXXX wasn't included twice. When you calculate the days, 29 days worth of interest payments for my XX/XX/XXXX payment would include XX/XX/XXXX. Additionally, 32 days of interest payments for my XX/XX/XXXX payment would include XX/XX/XXXX as well. I believe they are doubling up and adding additional days of interest to each payment received. 

I am going to calculate on my own, but wanted to send this to you just in case you have seen this in the past. 

Hopefully all of this made sense and it wasn't just me rambling for two paragraphs. 

Thanks for the help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: OK

Complaint narrative:
Avant has miscalculated our loan and refuses to fix this. I have been told that this is what we agreed to, and even though they know that they are overcharging us, that we have to live with this. 

The total interest that should be paid on a 48 month loan at 29.1 % should be {$8800.00} over the total life of the loan. We have already paid over that at {$9500.00} in just 3 years. They refuse to recalculate this and refuse even to give us credit on larger payments that we have been paying. 

Please see the attached payment schedule. 

Thank you so much for your help, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC
State: NY

Complaint narrative:
Keller Mortgage ( a subsidiary of XXXX XXXX XXXX ) is counting on their size and political clout to get away with deliberately deceptive advertising. They are also trying to force their real estate agents to steer their clients to the mortgage company by scaring them stating " you will face class-action lawsuits if you don't offer them the Keller Mortgage offer '' ( this is illegal steering ). This scare tactic was part of their recent Vision 2018 presentation where XXXX XXXX, head of XXXX XXXX XXXX is giving a motivational speech to his real estate agents. 

I know that the CFPB is now essentially gutted and will probably ignore my complaint, but I challenge you to do the right thing here. I will NOT be the only one reporting these violations. I realize that the CFPB is now beholden to the big banks and other billionaire buddies of XXXX. XXXX in charge of the CFPB is like the proverbial 'fox guarding the henhouse ', although I agree with Mulvaney that the CFPB should be accountable to Congress and should have it's budget controlled by Congress like other government agencies. 

The ads are recent ( within the last 2 weeks ). I am submitting fall under RESPA, and Fair Lending laws ( the ads demonstrate 'disparate impact ' by requiring loans over 150k, thereby discriminating against lower-income areas and minorities who disproportionately occupy these areas ). They fail to disclose APR, and other key terms as required. Once a real estate agent places such ads, they are acting as an MLO and required to possess and disclose their NMLS number and of course, those are missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX never late INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine

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 2018-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Two years ago, I was late on my mortgage payment. I made the payment and my check cleared the bank and the mortgage company was paid. My lender, Wells Fargo Mortgage sent me an invoice for the next month 's payment, which I paid. Wells Fargo sent me a check for the mortgage payment saying that they were refusing my payment. I deposited their check into my personal checking account. I received an invoice for my next month 's payment and I paid it just like I had done the previous month. This payment was also returned and I received an invoice for my next payment. As I usually do, I went to a Wells Fargo bank branch and tried to make my mortgage payment. This time the cashier came back and told me that my account was in default and I was in foreclosure and she couldn't accept my payment. I was served with documents stating that Wells Fargo had started the foreclosure process! I ended up pay legal fees and costs plus the payments that Wells Fargo had refused! About 1 month later, I started the process with Wells Fargo to get a HARP modification on my mortgage. The rate is 6.8 % and the current mortgage rates were much lower. After several months and after sending the same documents to Wells Fargo Mortgage many times, my application was denied because " It was not economically justified ''? So I went from " BEING IN FORECLOSURE '' to " MAKING TOO MUCH MONEY FOR A HARP MODIFICATION ''! Wells Fargo Mortgage caused me to have to pay hard earned money to them and fees to the attorneys and the court system. This was totally wrong and resulted in me paying money that was not justified and now showing a " FORECLOSURE '' on my personal credit reports. This resulted in my being denied for a mortgage refinance, cancellation of my credit lines, rejection and interruption of business relationships! Can you help me with this?

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 2018-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I had a fence put in XX/XX/2017 and was told there would be a 24 month deferred no interest, I got my bill and saw it was only 6 months, I called Wells fargo several times and they told me the agreement was with the fence company not wells fargo, yet I am paying wells fargo credit card. I have been paying every 2 weeks and now they have put a XXXX interest rate on my card on the XX/XX/XXXX statement.

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 2018-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: MI

Complaint narrative:
To Whom It May Concern - I had some medical bills with XXXX XXXX that were put into collections with XXXX XXXX. I paid the balance in full and the accounts are still on my credit report. I am in the process of purchasing a home for me and my daughter and this is presenting an obstacle. I'd like these removed from my credit. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: NY

Complaint narrative:
There are 2 XXXX accounts and a XXXX XXXX on my credit report with experian showing as a charge off and a balance and have not been reporting to experian in a couple years ( realizing most likely are not mine ) these are not my accounts experian keeps telling me they are accurate and will no longer investigate these 3 accounts however XXXX  and XXXX have deleted these off my reports after investigating and proving they in deed are not mine please have them remove them right away

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 2018-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
Discovered the lender, XXXX XXXX XXXX, have been charging me a higher late fee than they were supposed to. I asked the lender about the excessive charge for a late payment and the asnwer that was provided was, they have a clause that allows them to charge up to 10 % of the monthly payment amount for late charges. However, for the state of Maryland, the late payment fees should not exceed {$20.00} for the states of Maryland, Kansas, Utah, and/or Louisiana. Ive attached supporting document. I have been charged {$49.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-26 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: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Perfection Collection
State: FL

Complaint narrative:
In XX/XX/2016 I sold my home as a result of a divorce. My Ex wife and myself cancelled and paid all bills related to the home. XXXX ( Perfection Collection, LLC ) just placed a collection on my credit two years later stating that I owe {$950.00} when I have not owned the home for over two years and fulfilled all contractual obligations and payments beyond what I owed. How can it be possible to penalize someone for 9 months of service when I didn't even own the home? It is not a penalty for early termination, because we had the service for almost 4 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC
State: NV

Complaint narrative:
XXXX XXXX is marketing for Keller  Mortgage in a non compliant and deceptive manner. I have attached and ad found on Facebook. This is from a XXXX XXXX agent and is marketing Keller Mortgage without stating who is co-marketing ( Agent is paying 100 % of the marketing to generate the leads for mortgage ). Savings are being offered but not disclosed where those come from and who is providing them. The ad fails to mention there are ZERO savings if you don't use a XXXX XXXX XXXX and still use Keller Mortgage. The ad fails to disclose there are ZERO savings if the mortgage is under {$150000.00} ( Disparate Impact ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
The company is Ally Financial. I have my loan since XX/XX/XXXX. I made my 1st payment XX/XX/XXXX. I notice today XX/XX/XXXX when going online to make payment they only showing I paid 12 payments. I have made 16 payment. I do agree I had 3 extension and a due date change however my payment count still should reflect 16 payments. I tried to address this with them and they ( Ally Financial ) said if they correct this would mess my payment up like its my fault. That 4 of my payments went towards finance charge instead of finance, principal, interest which would also advance my payment count on my loan.

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 2018-04-26 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: Freedom Mortgage Company
State: LA

Complaint narrative:
Request : Please delete the 90 day late payment off Credit report with all three credit breaus Account Name : XXXX XXXX Social Security # XXXX Old property address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Freedom Mortgage Account Number : XXXX ( 90 day late payment ) XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a 90 day late payment reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my Freedom Mortgage Home Loan account. 

I want you to know that I understand my financial obligations, and if it werent for my property taxes increase to make our equity amount increase, which I was not aware of until I received my invoice with a {$400.00} a month increase. Id have an excellent repayment record. I made a mistake in falling behind, but since then I set up a payment arrangement, paid the payment arrangement off in full before the scheduled payment arrangement time, and also paid my mortgage off in full with a {$0.00} balance. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a new mortgage loan with Freedom Mortgage, and its come to my attention that the 90 day missed payment on my record is hurting my ability to qualify. I have tried disputing this information directly wit Freedom Mortgage but was informed they denied my request due to the reporting information reporting was accurate. Well I do understand, but I have never been late on my Mortgage with Freedom Mortgage before the Invoice of my {$400.00} monthly increase due to a increase in property taxes that I was never aware of. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the 90 day late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
If you could please fix this ASAP, i am trying to re-apply for the new VA loan within the next two weeks, and this is effecting my approval with Freedom Mortgage. I am asking you to please, please help me with this situation. 

Thank you for your consideration, and I hope youll approve my request. I can be reached at XXXX. 

Best, 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 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
I had a XXXX XXXX account opened for many years and have made regular payments. I have recently gone through financial hardship and could not afford to keep making payments. The amount owed seems excessive since I had to immediately leave the premises.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE AUTO LOAN AND MORTGAGE LOAN APPEARED ON MY EXPERIAN CREDIT 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 2018-04-26 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Request : Please delete the 90 day late payment off Credit report with all three credit breaus Account Name : XXXX XXXX Social Security # XXXX Old property address : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  Account Number : XXXX ( 90 day late payment ) XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a 90 day late payment reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my XXXX XXXX XXXX XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for my property taxes increase to make our equity amount increase, which I was not aware of until I received my invoice with a {$400.00} a month increase. Id have an excellent repayment record. I made a mistake in falling behind, but since then I set up a payment arrangement, paid the payment arrangement off in full before the scheduled payment arrangement time, and also paid my mortgage off in full with a {$0.00} balance. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a new mortgage loan with XXXX XXXX, and its come to my attention that the 90 day missed payment on my record is hurting my ability to qualify. I have tried disputing this information directly wit XXXX XXXX  but was informed they denied my request due to the reporting information reporting was accurate. Well I do understand, but I have never been late on my Mortgage with XXXX XXXX before the Invoice of my {$400.00} monthly increase due to a increase in property taxes that I was never aware of. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the 90 day late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
If you could please fix this ASAP, i am trying to re-apply for the new VA loan within the next two weeks, and this is effecting my approval with XXXX XXXX. I am asking you to please, please help me with this situation. 

Thank you for your consideration, and I hope youll approve my request. I can be reached at XXXX. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation