vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to call the XXXX XXXX number for Equifax to obtain a copy of my credit report. Several times it was busy and I could not get through. Today XXXX/XXXX/17 I did get a message machine asking for my information. I asked for a copy of my credit report, the reply was that I had to pay for it and insisted that I give them my credit card number to be charged. I never spoke with anyone personally and I did not leave my credit card number. I did leave my address, social security number and state which had been requested prior to demanding a fee for my free credit report. Please go after this company. I received a letter from a retail outfit that I have been doing business with for years stating Equifax reported a problem on my account. I need to get this resolved. Now my excellent credit score I have had for over 50 years has been tainted! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I almost always pay bills when I get them, not when they are due. Flagstar sends the next month mortgage bill after I paid the previous month 's payment so I end up paying months in advance. Over the years, i noticed that being two months in advance becomes only one month in advance, the lost of a month 's payment. When I file a complaint, Flagstar Bank would send a payment record full of error charges and refunds so I could not determine the failure to credit one of my payments. I do not have insurance or escrow with my loan, I only make {$880.00} monthly payments, nothing else. However, the payment history from Flagstar would be filled with false insurance charges, escrow deductions, principle payments and refund, and so forth making the payment records unreadable. If honest, Flagstar should have my payment history with only the payments I made ( all were on time ). 
Being cheated many times of my monthly payments, I started to get better records and copies of my payments. Attached are four documents. The first is a bill from Flagstar dated created on XX/XX/XXXX ( top right of page 1 ). Note that the total amount paid for that year was {$7900.00}. It a bill for a payment due XX/XX/XXXX which I made XX/XX/XXXX to keep from getting too far in advance. Page 2 is a copy of my XX/XX/XXXX payment check # XXXX for the monthly amount of {$880.00}. Page 3 is a copy of my bank statement showing that Flagstar cashed my XX/XX/XXXX payment check on XX/XX/XXXX. 
Yesterday I received in the mail from Flagstar another XX/XX/XXXXXXXX bill created date of XX/XX/XXXX for XXXX ( 2 months plus late charge ). On that statement was the same total payments of the year of {$7900.00}. Flagstar had received my XX/XX/XXXX payment on XX/XX/XXXX and had not credited to my loan. This has been done several times over the years but I did not have the copies of my payments to prove it. 
Please have Flagstar credit my last payment and give a full accounting of my loan history with only my loan payments, without all the errors they made on fake insurance, escrow and other items that did not relate to my loan. I kept all my payment check statements so if I know on what dates they cheated me ( just like their current attempt ). I could also prove their criminal actions.

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 2017-10-24 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
In XXXX 2014 there was several accounts started in my name without my consent. one was with Ally Financial {$10000.00} second with XXXX XXXX {$29000.00} third with XXXX {$12000.00} and XXXX  XXXX XXXX {$11000.00}

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 2017-10-24 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: OH

Complaint narrative:
After reviewing my credit file I noticed some inaccurate data reporting. I reached out to all three credit BUREAS to request validation of the debt with XXXX XXXX, under the FDCPA and FCRA sec 609. One of the bureaus removed the item and the other two have continuously reported the data without proving any verifiable proof other that the Creditor verified the data. I also sent proof of the deletion results from XXXX  showing the investigation was done and the information was incorrect, incomplete or unverifiable. The Credit BUREUS are required to notify all other credit reporting agencies of their results.

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 2017-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
For the past two months I have been late paying my credit card bill because when I try to make the payment I can not access them on line I have tried in three different computers and networks and the site times out. When you call them they make you pay a fee to pay your bill. It 's getting out of hand because this causes me a hardships with penalties and late fees. I have paperless billing now so I have no idea what is going on with my account. My credit is at risk, they need to have the site fixed and stop denying that it 's the user. There are people on the internet that is having the same issues. ppl I do n't know. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: GA

Complaint narrative:
I dispute this account with XXXX XXXX XXXX and was informed by this company that they are not servicing this account and have removed it from my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Because of the Equifax security breach, I set an acct freeze with all credit reporting agencies in XXXX/XXXX/XXXX. I wanted to open an acct at XXXX so I lifted freeze on XXXX on Equifax only because of the fee to lift on both of the other agencies. On XXXX I was denied an acct with XXXX FICO and no negatives on any credit reports because XXXX was unable to view my Equifax credit report-all they could see was the title. I spoke 3 times to their customer service who insisted since there was a hard inquiry, they had access to the report so it was their fault. I tried it again on the XXXX with the same result. Unable to find anything online to submit a complaint to Equifax other than submit something in writing or call customer service whove already proved their incompetence and disbelief 3 times now. Ive sent a 2 page letter to the only other contact address I could find. So now I have two inquiries and 2 denials listed on my credit report and lower XXXX score due to XXXX incompetence. Now I cant trust their lift to work in the future or will have to pay a {$10.00} fee to all the others to ensure I can use the credit Ive been building and protecting for years. They control our financial lives and have NO concern over problems theyve caused. If Id have a choice ... I wouldnt allow them access to my information. They have very poor customer service-their front line will not forward calls to anyone that might have some compassion-I believe its their job responsibility to frustrate callers to get them off the phone. Very frustrating process and feel totally helpless with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I noticed a collection on my credit report from Commonwealth financial. I do n't know where this came from. They never contacted me or anything. they just reported this error on my credit. I have been writing them for XXXX months asking them to validate the account. They wo n't respond yet they keep reporting this on my credit. This is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear CFPB, I currently have a Bank of America mortgage and am unable to contact " customer service '' for any assistance on my loan or impound account. On XXXX XXXX, XXXX, I was " on hold '' XXXX hours trying to reach a representative to ask a simple question about my impound account and finally got disconnected from their phone bank. 
THIS IS UNACCEPTABLE. I am calling about my home. I am a customer. The use of a so called " customer service '' number by Bank of America is hypocrisy because what is going on is instead customer ABUSE. 
Why should I have to wait XXXX hours during my work week to try to speak with a representative about my home mortgage? They should be required to have a call back service or something that does not hold customers XXXX for hours to their negligence, disregard and abuse of customers. 
Please advise what you plan to do about this. 
Sincerely, Customer

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 2017-10-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XXXX. 2014 there was several accounts started in my name without my consent. one was with XXXX XXXX {$10000.00} second with XXXX XXXX {$29000.00} third with XXXX {$12000.00} and XXXX XXXX XXXX {$11000.00}

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 2017-10-24 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
In XXXX 2014 there was several accounts started in my name without my consent. one was with XXXX XXXX {$10000.00} second with XXXX XXXX {$29000.00} third with Suntrust {$12000.00} and XXXX XXXX XXXX  {$11000.00}

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 2017-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My account at Wells Fargo continues to be a topic of debate between me and the bank. It has been in the negatives over {$300.00} for over a month now with no resolution from the bank. The account has been frozen since the original incident, however somehow it continues to continue to drop into the negative. I have provided the bank with multiple proofs as to why the account should not be negative, however Wells Fargo refuses to recognize them.

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 2017-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: United Student Loan Assistance Center
State: VT

Complaint narrative:
I was reached out to by the United Student Loan Assistance Center on XXXX XXXX, XXXX. The company had told me that they would be able to consolidate all of my student loans and have a low monthly payment for a small cost of {$600.00}. However, I was not informed that this particular company was a third party company, nor that they were not a XXXX XXXX company to actually help me get where I needed to be. I was informed that this was the only way to consolidate all of my student loans to get out of debt. 

A few months later I was contacted by XXXX XXXX who have been nothing but amazing in helping me consolidate my loans with XXXX. Right now that is in the process of being handled correctly with no charge at all. 

When I tried to call the United Student Loan Assistance Center to ask them why they had charged me the fee of {$600.00} I was informed that it was to fill out the application for the loan consolidation. I then began to explain that consolidating Federal Student Loans was free the person I spoke with got defensive and provided slander against XXXX XXXX, which again have not asked me for a penny to consolidate my loans and the monthly payment will be based on what I can afford. 

The gentleman from United Student Loan Assistance Center began to say that XXXX XXXX just wants to get more money out of me, that XXXX XXXX are sales people and that is what they do, collect money from young people like myself who do n't know any better. Which then lead to the United Student Loan Assistance Center could give me a payment of {$0.00} a month to " pay off '' my student loans. I am still not understanding how I pay something off with a payment of {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-24 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: COMMUNITY CHOICE FINANCIAL, INC.
State: NM

Complaint narrative:
An account showed up on my XXXX credit report that I have no knowledge of. They show I opened an account with Cash CentralXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, on XXXX XXXX, 2017 for {$3000.00}. I disputed the account with  XXXX  and they told me it was my account. I contacted Cash Central and their fraud people said they would email a fraud packet to me but they would n't give me any information about the account that is supposedly mine. I have no idea where it was even opened. I have not received anything from Cash Central and have reported the fraud to my local police dept. I suspect Cash Central knows this is n't my account and they could have easily prevented this just by pulling my credit report. I have reported the fraud to the XXXX, NM police dept case # 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 2017-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC
State: WV

Complaint narrative:
I took out a title loan on my truck. I was told I would pay a monthly payment and pay the remaining balance owed in 5 months. When I went to pay my last payment I was told I still owed over {$2000.00}. I paid about {$560.00} each month on time for 5 months. They did not tell me I was just paying a monthly payment for them to keep my loan. I 'm on a fixed income and its hard for me to pay that amount that is more than I draw a month. I tried to save my money this month and did not pay the monthly payment trying to get out of this mess and when I called to get the payoff I was told now I owe more than XXXX they are charging me XXXX for late fees. How is anyone suppose to get out from under this when they do n't disclose the proper info. The girl that did not tell me that the payment I was making each month was just to keep the loan she said it was a monthly payment they were making it easier for people to pay off the loans. I talked to the manager in XXXX XXXX when I went to what I was thinking making my last payment on the loan to find out I still owed over {$2000.00}. I informed her that was not how the loan was described to me and what I was told was very misleading. The girl was talking small talk to keep me from asking other questions. I had just done a 60 day loan and was refinancing it and she told me they had a new loan you just paid off in 5 months it was a lot better and easier for people to pay off would I like to chose that route and I said yes that would make it a lot easier on me. But never did I think I was paying that much each month for them just to keep my loan and still owe them the balance. I 've paid them over {$4000.00} and still owe them now {$33000.00} on a {$2000.00} loan. How is anyone suppose to get under this type of loan with all these fees. That is more than I draw a month I 'm a XXXX worker.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 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: OH

Complaint narrative:
After reviewing my credit file I noticed some inaccurate data reporting. I reached out to all three credit BUREAS to request validation of the debt with XXXX XXXX, under the FDCPA and FCRA sec 609. One of the bureaus removed the item and the other two have continuously reported the data without proving any verifiable proof other that the Creditor verified the data. I also sent proof of the deletion results from XXXX  showing the investigation was done and the information was incorrect, incomplete or unverifiable. The Credit BUREUS are  required to notify all other credit reporting agencies of their results.

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 2017-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Emmett L. Goodman, Jr., LLC
State: GA

Complaint narrative:
The Law Offices of Emmet L. Goodman, Jr. LLC ( located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX ) operating as a debt collector has attempted to collect by garnishment a ten-year old judgment that is barred by the Georgia seven-year statute of limitations arising out of a lawsuit that was not served on the Defendant. It is submitted that attempting to collect debts that are barred by the statute of limitation is a pattern and practice of this law firm as well as other debt collectors which should be barred as a deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
I am doing the short sale for this property with a closing date of XXXX. I already asked for one extension. The home is not in the best conditions and required repairs on the buyer part XXXX they already invested money in a home that is n't theirs XXXX Now we are having issues with the city because they require an inspection which then might require repairs. The buyer is requesting an additional XXXX week extension to get everything figured out with the city. This home does not have a foreclosure date. The negotiator on the file is saying the investor says no extensions however there is no foreclosure date. What are they going to do just close the file and accept no more offers when the house did not go foreclosure?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: LoanCare, LLC
State: NV

Complaint narrative:
I have a missed payement with XXXX currently its XXXX they are reporting missed payment that i tried fixing with them and they do n't even disclose information to me at all. not even days supposedly payment was missed. i fount out thru my lender i normally use that it was XXXX of XXXX i never had a missed payment in my life. i remember one of their rep calling me and saying to my account number did n't match and my payment is late, i give them my routing and account number over the phone and told them to CALL ME if payment did n't go thru. they never did. 
I tried solving it with company and emailed them payment confirmation and my bank statements showing i had more then enough money on my account. i have to loans with them one of them is {$2300.00} and another is {$950.00}. the house with lower payment of {$950.00} did n't go thru because they did n't process it correctly and when they calling me i gave them info again and again the did n't process. i open dispute with them that took way over 30 days. had to call them several time and still no luck. i have lixington law firm fighting with them for over a year and still no luck. my credit used to be over XXXX points and it dropped bellow XXXX after that., now i 'm getting a new house XXXX my 4th one ) for {$620.00} and new business building for XXXX XXXX and they give me hard time about the missed payment. please help me resolve it. i even pay additional principal minimum of {$500.00} per account for 5 years. paid off my 1st house in XXXX years. i 'm beyond responsible to miss a payment like that.

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