vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: FL

Complaint narrative:
Please reference prior CFPB complaint XXXX. Despite the company 's admission of error and statement in their CFPB response letter that they would correct the credit reporting errors, the referenced payments still reflect on my credit report as 30 or 60 days late. 

Subsequent to my previous issue, the company is reporting 30 days late on my XX/XX/2018 payment, which is incorrect. The payment was made late, but was not 30 days late. It needs to be removed from my credit report. 

I am attaching the company 's response to my prior CFPB for reference.

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 2019-06-14 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: FL

Complaint narrative:
I loaned a vehicle from XXXX back on XX/XX/2019. The dealership requested XXXX XXXX XXXX to run a hard inquiry on that day on my credit, which I approved, and I got my car. On XX/XX/2019, when the car was already in my possession, unknown to me, the dealership run another hard inquiry on my credit, which I did not approve. I realized of the mistake a couple of days later and immediately contacted both the dealership and XXXX XXXX XXXX to remove the unauthorized hard inquiry of XX/XX/XXXX from my credit. Since XX/XX/XXXX, I have been calling XXXX every week to solve this issue. They recognized their mistake and kept telling me that they sent a request to Equifax to remove the hard inquiry from my credit. They told me that it would have been removed in 90 days. After the 90 days, I contacted Equifax and they told me that they did not receive any request from XXXX. I asked XXXX first to re-send the letter to Equifax and second to send me a letter stating that they sent this request to Equifax. After a couple of weeks, I contacted Equifax again to check if this time they received the request from XXXX and again nothing. I asked if I could send them directly the letter that XXXX sent me and they told me that the only entity that can remove the hard inquiry is XXXX. I feel trapped in an endless circle because XXXX keeps saying that they sent the request and Equifax keeps not receiving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
Regarding {$370.00} Balance with XXXX XXXX History : My divorce was finalized XX/XX/XXXX. I was not living at the marital home for a year prior to that date. My ex-husband according to the decree was responsible for the house and expenses. When he moved out 2 years later in XX/XX/XXXX, he decided to not to continue paying the XXXX XXXX bill. 

Dispute : XX/XX/XXXX XXXX XXXX reported the debt using a collection agency appearing as XXXX. I disputed this and submitted my divorce decree. The debt was removed from my XXXX and XXXX  reports. 

Then this year, XXXX XXXX has reported on my XXXX  credit report using a collection agency appearing as Convergent for the same amount ( {$370.00} ) DATED XX/XX/XXXX - Thus negatively RE-AGING the debt ( against the law for those who don't know. ) XXXX was no help in solving this, as they only confirmed with Convergent as to what they already filed. Convergent is standing by their claim that the age of the debt is correct and that my divorce does not matter.

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 2019-06-14 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: ID Analytics, Inc.
State: TX

Complaint narrative:
In late XX/XX/2019, I contacted XXXX XXXX XXXX about TV and internet service. I was told i would have to pay a large non refundable deposit. They claimed my cretit score was too low. I received a letter the following week from XXXX XXXX XXXX stating that a company named Sage Stream gave me a credit score of XXXX out of XXXX. I requested and received my credit report from a company named XXXX XXXX XXXX who apparently contracts with Sage Stream to do the credit search. The credit report was excellent, yet Sage Stream gave me a very low score. My current credit score from XXXX is XXXX out of XXXX. I have now tried contacting Sage Stream no less than 6 times to resolve this matter but to no avail. Any help you can give me to resolve this dispute would be greatly appreciated. I will also be filing a complaint with the Texas State Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: World Acceptance Corporation
State: VA

Complaint narrative:
I have two accounts that are reporting twice each. I originally had an account with World Finance and Peoples Finance both in XXXX SC. Eventually one bought the other company so the account is on my credit report four times. It was sold to XXXX XXXX XXXX XXXX. I settled the two accounts and had it removed under the " World Finance '' umbrella but its still reporting under Peoples Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
There is a consumer statement on my Equifax report regarding XXXX XXXX. 

I have never made such a statement and have no idea where it came from. 

Ive tried multiple times both online and over the phone to have it removed. It has been removed by Equifax once, but somehow it has reappeared on my credit report again. 

Im requesting that this consumer statement gets removed permanently. I do not wish to have a consumer statement on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14 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: NC

Complaint narrative:
Payment history provided by Ocwen is incorrect and shows where Ocwen has reversed payments on their end despite payment confirmations on our end. Ocwen reported our mortgage was 30+ days late to all 3 credit bureaus in XX/XX/2018, XX/XX/2018, and XX/XX/2018 which is incorrect. The payment records I've attached show the payments were correct and Ocwen 's record shows them removing payments from our account several days after the payments were made. There are currently 30 states that have filed lawsuits against Ocwen for similar practices. They also refuse to respond to any questions on the phone. Ive called numerous times and been disconnected, transferred, hung up on, given fake numbers that dont work, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
on or about XX/XX/XXXX I called the mortgage department at Wells Fargo and asked if I could get the HUD RISK-BASE MTG INS PAYMENT waived since I was {$2000.00} from the {$110000.00} amount to have it removed. I was polite and listened to the lady tell me NO. Here is my complaint and believe me when I say, PEOPLE truly do not like Wells Fargo and their Business practices. I have been talking with a lot of unhappy customers. We have had our loan with Wells Fargo since 2012. Wells Fargo PURCHASED our loan and the we were told we had to pay a HUD RISK INS PREMIUM. WE have NEVER had to pay this before. I was told at that time when my loan got to {$11000.00} that it would be removed or if we had NO LATE fees for 5 years and we were in good standing. WELL we have only had 1 late payment in 7 years of owning this home and that was right at the beginning of 2012. SINCE then I have either paid more than the monthly amount and NEVER BEEN LATE. The lady told me it was 80 % of my loan, while the loan I got was for $ XXXX so that would mean at {$120000.00} I would have this {$110.00} REMOVE. I am very disappointed and distraught that Wells Fargo continues to harm us as a consumer, who is paying their loan on time and more than the required amount.

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 2019-06-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: MI

Complaint narrative:
Real Time Resolutions , Inc. claims to be my mortgage servicer on a 2nd HELOC loan dated XXXX. They have given me a foreclosure notice by way of XXXX and XXXX 's XXXX XXXX. They are demanding {$42000.00}. I requested them to perfect the lien and they sent me Robo-signed documents. In my research to save my home, I have found Real Time Resolutions has been Robo-signing documents since XXXX. I have over 100 documents that prove they have been Robo-signing. The documents I have are from XXXX TX -- one county in Texas where the company is located. They have forged documents, recorded incorrect lien releases with improper addresses of the creditor, back-dated documents and falsified assignments. 

Real Time Resolutions has had their CFO, an Attorney on Staff and other low level employees being Notaries and signing as High Ranking Officers in at least 17 different banks including XXXX in a scam to steal people 's homes in foreclose on behalf of the " investor ''. 
RTR has no legal standing in these assignments, much less foreclosures. The lien releases given leave the consumer in a double-liability situation. The REAL creditor can come back on them as the releases are forgeries and Robo-signed. 

RTR was not named in the original Robo-scam settlement case of XXXX. They are continuing to Robo-sign paperwork as of XXXX. Two people specifically are shown many, many time son documents : XXXX XXXX and XXXX XXXX. XXXX has created the documents, XXXX signs as VP of the assigning Bank and XXXX then Notarizes it. Mortgage XXXX and XXXX XXXX. They have been working together for 14 years forging documents. 

I have attached a sampling of my findings. I have documents from North Carolina, Michigan and Texas where as documents have been Robo-signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: TX

Complaint narrative:
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 


I contacted XXXX  and their consumer service will not help me at all with this issue,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I purchased a vehicle back in XXXX XXXX, with a down payment of XXXX. I have been having problems with mold growing on all the carpets of the vehicle and I already had to pay XXXX to replace the evaporator core that was leaking which the dealership notified me that it was not covered, also having A.C problems. They A.C will not get cold and back under the front seats the bracket that makes vehicle move forward and back is all orange and rusted which gave me a clue that this car was in a flood. I also tried to trade in vehicle which they would not approve me for another vehicle. I took some time to research the vehicles VIN # and found that this vehicle was in the hurricane Harvey flood back in XXXX   which the dealership failed to disclose this information to me. Now I'm stuck having a 7.5 year loan paying almost 28000 dollars for a vehicle that's already breaking down because dealership did not notify me on the condition of the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Each month American Express issues late fees before their closing period is over. The automatically issue the late fee and then reverse most months, but, some months ( this past month for example ) they issued the late fee but did not reverse it automatically as they usually do. It seems that if you pay on the day of your payment they assess this late fee and if you do not call about it to have it reversed they have wrongfully charged you a late fee. American Express is on PST and I live on the east coast. AMEX closes their day at XXXX XXXX  PST which is XXXX XXXX EST and they assess the late fees around XXXX - XXXX XXXX EST, which is not right. I have a AMEX Delta Gold Skymiles card and I paid on my due date around XXXX XXXX EST which is XXXX XXXX PST, so, I should not have been assessed a late fee. I called them about it and they said oh yes you did pay on time and this was our error. So, if I didnt call I would have had this late fee for not reason. The late fee was returned as " Reverse Late Fee ( sys gen ) System Generated. This is not right at all, if no one calls about it they are given this late fee for no reason at all. AMEX should run this system generated late fee after the close of business, so, this doesn't happen. There could be thousands or millions of people out there being charged this System Generated fee when they have truly paid on time. Please look into this as this practice should stopped. This is a job that runs and they are able to change the time that this automatic job runs, so, they do not charge people for nothing. They did reverse the amount but this should not have happened. If you pay on the due date you should not be charged any fee ( so they would not have to reverse it automatically each month ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Auto Trakk, LLC
State: SC

Complaint narrative:
On XX/XX/19 Autotrakk Llc was provided written notice of dispute regarding a repossession being reported inaccurately on my credit file via certified USPS mail. I challenged Autotrakk to provide the proper notices to cure for the said repossession and their ability to report this debt on my credit file. After the repo i was never provided any notice to cure, i did not receive any notice of where the vehicle was being sold or where i may purchase the vehicle back, nor was i sent a deficiency notice. these are all violations of state and federal laws including the FDCPA and the FCRA as well as RISA and XXXX. South Carolina law UCC section35-5-111 and 110 also states that deficiency can not be claimed unless all of the required notices were properly and timely given and all allowable cure time limits were adhered to. 
Autotrakk was given 14 days to provide these notices or delete this inaccurate information from my credit file. they have failed to provide these notices and have yet to delete this from my credit file i demand immediate removal from my credit file or i may exercise my right to file legal action against Autotrakk LLC for failure to provide notices as well as false reporting on my credit file. if Autotrakk removes this information from my credit file within 30 days i will consider this matter resolved. please find attatched the copy of the original letter and certified mail receipt that was sent to autotakk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Unable to transfer my money from the service to bank account. Attempts to transfer were made on XX/XX/19. Called to customer service were unable to tell me why transfers to my bank account were being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I have tried to get a hold of your customer service to find out the status of my arbatration case you guys got the papers 3 weeks ago and signed for them I sent them certified mail what is going on with this I have no updates

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 2019-06-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I received a letter from Freedom Mortgage company ( who is servicing my home loan ) on XX/XX/19 basically telling me that they had completed an escrow evaluation and that I owed them {$2300.00} by XX/XX/XXXX and that my Mortgage payment of {$1600.00} would be increasing to {$2100.00} effective on XX/XX/19. I immediately called the Escrow department and we walked through the escrow payments out and money in over the year that I have owned the house. My initial thought was that my property value had been reassessed but my current tax bill is {$2500.00} per year and this would now be a {$4000.00} increase per year. What Freedom discovered was that they made a payment to a county back in XXXX ( XXXX Co. ) that I do not live in on a house that I do not own. This money was sent back by XXXX County in XXXX and noted as " already paid ''. Once sent back from XXXX County, no internal questions were raised as to why it was sent in the first place. Freedom then sent {$2000.00} back to XXXX County on XX/XX/XXXX and after my escrow account went negative, they sent me the letter stated above. Now I am being told by Freedom 's tax department that until XXXX County send back the {$2000.00} to Freedom, that my escrow account will show negative and a new evaluation can not be performed as it would give the same result. I have until XXXX to rectify the negative balance and make the increased payment and once the money comes back from XXXX County, they will do a new evaluation and if there is an overage ( which there obviously would be ) I would be refunded the overage and my payment would be adjusted back to the proper amount. I asked to speak to a supervisor and was told that I could be transferred to a customer service representative which basically said that the tax department handles these matters and they have TOLD me how it would be handled. I sent a letter ( e-mail ) to the customer support address on Freedom Mortgage 's website this morning and received a form letter response that they would not engage my issue through e-mail but instead would send me a letter by US mail with their response. With the timing of this being critical, I was hoping to have this resolved by 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 2019-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/2019 I called my Sears MC /Citi bank to make my XXXX payment. I discovered that this company lowered my credit limit. The agent I spoke with about this change to my account said that Citi bank had nothing to do with this action on my account, that It was done by XXXX. I called XXXX and they denied such action and referred me to Consumer Finance.gov. and XXXX. 

My issue is that on XX/XX/2019 I made a payment to Sears MC in the amount of {$3500.00}. After they took my money, they lowered my credit limit to XXXX. This action put my credit as high risk, because at the time that they lowered my credit limit, I had a balance of {$1200.00} which in turn maximized my usage and lowered my credit score. 
This is unfair business practice and I would like my credit limit increased or my {$3500.00} returned.

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