vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 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: Conn's, Inc.
State: TX

Complaint narrative:
THE INFORMATION I HAVE LISTED BELOW ARE INACCURATE AND UNKNOWN/ IDENTITY THEFT..I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES OR LIVED AT THOSE ADRESS EVEN MY NAME WAS LISTED 3 DIFFERENT WAYS ON THE REPORT THATS LINKED TO UNKNOWN/FRAUD ACCOUNTS XXXX and XXXX XXXX ARE INACCURATE SPELLING OF MY NAME THESE ADDRESSES ARE EVEN INACCURATE OR UNKNOWN I HAVE LISTED THEM I NEED THESE REMOVED BECAUXE THEY ARE LINKED TO UNKNOWN ACCOUNTS XXXX, XXXX, XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX, TXXXXX HARD INQUIRIES -NEVER DID BUSINESS NOR RAN CREDIT WITH THESE COMPAINES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RETURNED THE VECHILE AND THEY SOLD THE VECHILE NEVER SENT THE UPDATED PAYMENT AFTER THE VECHILE WAS SOLD THEY NEVER SENT ME THE REMAINING BALANCE AMOUNT AND NOW THEY ARE REPORTING INACCURATE INFORMATION ON MY REPORT FOR YEARS AFTER THE CAR IS SOLD AND THEY WANT ME TOMSTILL PAY THE FULL AMOUNT WHICH IS FRAUD CONN APPLIANCES, INC #  XXXX-NEVER DID BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX XXXX XXXX # XXXX NEVER DONE BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX AND XXXX WITHHELD MY CREDIT REPORT YET ARE REPORTING TO 3rd PARTY XXXX XXXX AND OTHER COMPAINES INACCURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I had called to lower payments and I was refused because I did not qualify as I made to much to lower my payment. I was told I have to pay {$700.00} a month. I could not do that so I paid what I could. $ XXXX {$150.00} a month is what I could afford at the time. XXXX they sent my loans to collections because I was not paying the full amount they told me of {$700.00}. I am unsure of the exact dates when I had spoke to someone but I think it was back around XXXX. After I got out of collections and saw what I was to be paying a month which was still high for what I could afford and seeing my loan had more then doubled. I gave up because my voice wouldn't be heard and felt I would not get the help I needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Not my item

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 2020-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX we wrote a check for my nephew 's wedding {$5400.00} # XXXX. On XX/XX/XXXX Santander cleared that check. On XX/XX/XXXX they cleared it again using a made up check # XXXX no image on the statement {$5400.00}. On XXXX XXXX I found this error when balancing this account. I called XXXX at Santander XXXX XXXX. XXXX said she would have her research team look into it. XXXX told me in XXXX that the transaction was from XXXX XXXX still not reversed. Approximately in XX/XX/XXXX I called XXXX I said I still didn't see the reversal after balancing XX/XX/XXXX and she said she would contact her team. This past Monday XXXX XXXX I was talking to XXXX XXXX XXXX from Santander and told him I didn't know if my money had been refunded. XXXX had XXXX call me. XXXX was sorry for not getting back to me. XXXX then told me her team couldn't resolve this and that we could file a fraud complaint together.Even if this had been resolved I was probably going to alert you to this transaction. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Ocwen Financial Corporation
State: PA

Complaint narrative:
I called into the PHH MORTGAGE SERVICES IN XX/XX/2020 ( like everyone else ) and got an automated system and elected to use the government mortgage relief program for Covid-19. I was suppose to be called and we were to discuss what OPTION I was going to CHOOSE. I was never contacted. And they ( PHH mortgage services ) WITHOUT MY KNOWLEDGE CHOSE THE Forbearance OPTION. I was under the strong assumption that I had many options. 

My issue right now is they also reported to the credit agencies false information about my loan. Number one : The loan should have not increased XXXX. ( they added another XXXX plus another XXXX to the loan. That was reported to the credit agency AS WELL AS THE FORBEARANCE. Also I did not choose to be in any kind of forbearance or loan modification as of yet. I was suppose to be contacted and choose the option on my own. 
My credit score decreased in value today BY 29 POINTS. With my Credit simulator my credit score would have been XXXX next month. Instead it dropped to XXXX And I have been working on getting an excellent credit rating for years now. Their were suppose to be NO credit reporting from any mortgage company during this time of COVID-19 CRISIS. But PHH reported the credit to the agencies. 

I feel I have been wrongfully serviced by PHH during this Covid-19 experience. I feel that they owe me an NORMAL loan and let me out of this predatory loan that I am in. 

Thank you in advance for your help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Not my item

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 2020-05-13 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: NY

Complaint narrative:
Not my item

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: GA

Complaint narrative:
Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. Then, at the end of the 12 month period, I paid over XXXX at once-even though I could not afford it but did not have a choice. 

I have late payments for 12 months on my XXXX, XXXX, and Transunion accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with XXXX XXXX, however, if this situation isnt rectified, then I will be forced to apply for another mortgage company so that I may start fresh.

Please assist me with updating my account so that it may include on-time payments. 


Respectfully, 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 2020-05-13 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: GA

Complaint narrative:
Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. Then, at the end of the 12 month period, I paid over XXXX at once-even though I could not afford it but did not have a choice. 

I have late payments for 12 months on my Equifax, XXXX, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with XXXX XXXX, however, if this situation isnt rectified, then I will be forced to apply for another mortgage company so that I may start fresh.

Please assist me with updating my account so that it may include on-time payments. 


Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: GA

Complaint narrative:
Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. Then, at the end of the 12 month period, I paid over XXXX at once-even though I could not afford it but did not have a choice. 

I have late payments for 12 months on my XXXX, Experian, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with XXXX XXXX, however, if this situation isnt rectified, then I will be forced to apply for another mortgage company so that I may start fresh.

Please assist me with updating my account so that it may include on-time payments. 


Respectfully, 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 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MA

Complaint narrative:
I have been trying to process a charge back for a fraudulent {$730.00} charge on my Cash App debit card. Cash App refuses to help in anyway and has repeatedly sent the exact same email instructing me to contact the merchant and claiming that they can not process a charge back outside 60 days. By the time I contacted Cash App, it had been 70 days. I can not afford to lose {$700.00}. I recently lost my job and this seems incredibly negligent, especially in light of some of their other predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I have a conventional loan that I have always been on time with and not had an escrow account. My home insurance provider is no longer covering home insurance and I missed the notice and had a very small lapse in home owner 's insurance. Freedom Mortgage asked for my proof of insurance, which I provided with my new policy for the next year. They said since there was a small lapse they would go back and add in force hazard insurance for the back dates. This was from XXXX the dates of lapse. I tried to call a few times but was told I had to pay their fee of {$100.00} for the backdated insurance so I did. I saw my online statement with a change to my payment amount. I pay XXXX and my new payment is {$1600.00}. I spoke to Talked to XXXX on XX/XX/XXXX and got payment done of {$100.00} for the in force. She said she didn't know why they had put escrow on the account but that she would get it fixed and going forward since I paid the in force escrow my old payment would resume. 
She told me she was making a task for this to go into the funds due to the escrow for the lapse in insurance and by XX/XX/XXXX will be taken care of. XXXX, who was very nice and helpful and assured me it would be taken care of, from Freedom Mortgage also told me the escrow account change taken off with the completion date of XX/XX/XXXX. I called again today XX/XX/XXXX because my account still showed {$1600.00} instead of the {$1400.00} I always pay. The lady I spoke with today said there was a note on the account that since I had a lapse of insurance it was now mandatory that I pay the higher payment and had to now escrow my mortgage for hazard insurance. I explained to her my funds are tight, especially with the current situation and that I have already just paid for another year of hazard insurance, I do not want to also pay an inflated escrow account. She said that was the rule, nothing she can do. I asked if she could please let me talk to a manager as I am never late, and this was such a small lapse already taken care of and she kept me on hold for a while and said no managers were available to speak. I never got anything even stating that I now had a higher payment or would be forced into escrow. When I had called before they said once I paid the in force amount, which I did, they would make sure to have my account changed back before my next payment was due.

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 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Disputing the amount. Refuse to provide adequate information, XXXX Account {$4400.00}

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 2020-05-13 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. 

I have late payments for multiple months on my XXXX, XXXX, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with Victoria Secret, however, if this situation isnt rectified, then I will be forced to close my account and pay it off. 

Please assist me with updating my account so that it may include on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My husband ( XXXX XXXX ) and I purchased our home in XXXX with a first and second mortgage with Ocwen ( now PHH ). We were able to get from under PHH with the first mortgage. However, the second mortgage which was originally {$45000.00} at 12 % in XXXX with a monthly payment of {$480.00} and only {$2.00} or {$3.00} going to the principal. We have made timely payments with no late charges or returned checks. This is XXXX and the current balance to date is {$44000.00}. The monthly payment remain at {$480.00} with only {$22.00} going on the principal. Yes, to date we have payed PHH over {$70000.00}. Yet, they ( PHH ) sends us an end-of-year tax form stating that we have only paid {$3000.00} in interest and we have paid much more. We have call PHH ( Ocwen ) several times in an attempt to get a lower interest rate and/or refinance and have had no success. 14 years later we have only paid {$860.00} on the principal. PHH ( Ocwen ) is literally robbing us.

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 2020-05-13 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: MD

Complaint narrative:
The credit bureau Experion are refusing to remove false information from the credit score factor, EXPERION has been changing the false factors from one thing to another 11 times throughout XX/XX/XXXX-XX/XX/XXXX And for each time that this has happened there are no explanation, for how ( the factors has information that are not form my credit file ). the state of Maryland give me the right to find out the name of the person who was task with the responsibility of the investigation and conclusion conclusion that request has not been granted Now this is the 34th time EXPERION HAS USED THE SCORE FACTOR. As its own independent means of destroying My credit and many other people also. Because score factors was not designed to contain information that is not from the credit file, but that is what is happening now. And when you point that out to an employee of EXPERION all they do is transfer me from the dispute department to the membership department, back to the dispute department. 
That will never be fixed, Like this. The score factors say I only have two Accounts paid as agreed I have five accounts basically three open And two close. The score factor says Ive only paid 23 % of my car loan Ive paid 34 % 1/3 of my total car loan. My age of credit three years eight months the score factor say thats too short last year it was not too short.

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 2020-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX, 2018, I was contacted by Wells Fargo they hadn't received my payment for my XX/XX/2018. When I disputed this I was asked for proof. I explained that the clerk had not given me a receipt because his machine couldn't produce but he would send it to my email. Because this had happened before, I agreed. 

Because so much time had elapsed by the time I was finally contacted I didn't remember the exact day of the payment but I offered the week as I had always pay my account the same week since the inception.of the loan. Also, I didn't remember the exact amount but as I always paid over the required minimum by $ XXXX {$30.00}. 

I requested they verify by checking the video tape but was told I must pay up to {$1500.00} for Wells Fargo to locate my missing funds. 

I have spoken to over 10 persons from the " Executive Office '' and have gotten different untrue statements, threats and told flat out lies. Not one supervisor has ever called me even though I was told they would recall me. 

I had an individual named " XXXX '' who claimed to be the personal assistant to Senior EVP XXXX XXXX call and threaten me and my family if I didn't drop this claim. He even went so far as to make some XXXX  derogatory statements about my family ethnicity. We have received phone calls from Wells Fargo employees from blocked numbers and XXXX statements were made to a minor female family member. We believed they were connected to Wells because this account was mentioned and we were told to quit making it an issue because it wasn't that much money. 

They have opened fake accounts in my name as well as having taken money from my savings and checking accounts causing my credit cards payments to be missed. My funds will never be returned and I must accept this. I was told they would destroy my credit and they have done this. They are making false negative statements to other potential creditors and they reported me falsely to the credit reporting agencies while this situation was in dispute. Several times they violated the FDCPA and when questioned about these actions I was told these rules don't apply to their company. 

This is only partial reporting of the actions taken by Wells Fargo against us and this company doesn't do much to prevent this type of action. I even tried to get assistance from the office of former CEO XXXX XXXX. Some assistant promised this would be investigated and someone from this office would contact me. We even tried contacting XXXX XXXX the current CEO but to no avail.

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