vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I was denied approval for an installment loan due to derogatory information reported on my Equifax credit profile according to the lender. Equifax is reporting a " Scheduled Payment Amount '' of {$10000.00} on a Closed/Charged Off account as " verified '' by Data furnisher as of XX/XX/XXXX results of their Re-investigation ( Confirmation # XXXX ) from my dispute sent to their agency in writing XX/XX/XXXX. My last payment on this account was XX/XX/XXXX and the account was charged off XX/XX/XXXX. This account also appears to continue reporting late payments. I contacted Equifax via phone immediately while at the lender 's office to dispute the issue. On XX/XX/XXXX the same account update with a new " Amount Past Due '' of {$6900.00}. I have reason to believe my rights under the FCRA are being violated by Equifax. These errors remain on my credit report, suppress my credit, & has already prevented my ability to receive credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I tried to call to correct the address that Wells Fargo Dealer Services is reporting and they were very unclear stating they couldn't change the incorrect information because the account is closed ... Also Wells Fargo Dealer services are reporting a late charge from XX/XX/2012 on my XXXX and XXXX  reports that is inaccurate. Company hangs up on their customers constantly, refuses to follow federal judges orders, and tries to micromanage their customers speech. Wells Fargo Dealer Services are fraudulently reporting incorrect information as one of their representatives put it to " on purpose '' to tarnish my excellent credit record. Wells Fargo dealer services can't even keep their own facts straight they report 0 missed payments to XXXX  ( which is accurate. ) but then turn around and report different false information to two other bureaus.

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 2019-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Hi I have an HSBC XXXX XXXX. HSBC put through a balance transfer of {$1500.00} on my account without my consent. They have acknowledged to me that they did this without my consent and are blaming it on a system error. They are refusing to credit be back the {$1500.00} and the fees they charged me for the balance transfer. They claim it is an automated system error and they can't 'reverse ' the error and hence I have to 'live with the balance transfer '. This is OBVIOUSLY illegal. Additionally, they have been charging me a cash advance fee of approximately {$220.00} each month when no cash advance was ever taken on the account. They can't find a record of any cash advance ever taken by me, but have been charging me every month. Additionally, I sent a payment of XXXX 8 days ago, and they said they don't have to apply the payment until 10 business days later - thus charging me interest for the amount. HSBC has refused to call me back in this regard citing their system error and has refused to rectify all errors. Please help me as they are clearly behaving illegally. The account number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
In XX/XX/2019 we paid {$8000.00} in order to put our equity >20 %. We wrote a detailed letter to the Caliber Escrow Dept. seeking elimination of PMI ( complying with their required BPO house value estimate, at a {$100.00} cost to us ) and also requesting elimination of our escrow ( we had done this with our previous house with XXXX XXXX because of similar problems ). We never received direct answers to these inquiries in our letter. We have repeatedly been given the run around, or canned answers that don't answer our questions. We are current on the loan and have never been even a single day late with our payment. 

Tired of the escrow abuse. This happened with our last house ( XXXX XXXX ) and is happening again with Caliber Home Loans. Currently, they are in receipt of {$2000.00} they initially paid to XXXX for home insurance ( they paid them but XXXX returned it because we paid it along with our auto insurance ). We believed we would be able to eliminate the escrow and pay taxes and insurance ourself. Also the PMI should be eliminated based on our paying {$100.00} for a BPO estimate. This of course ties into the escrow. If we pay insurance -- and we didn't even request reimbursement from the escrow for the {$450.00} flood insurance after Harvey we already paid for -- then without PMI too, the escrow amount should be around {$700.00} per month not close to {$1000.00} as it is now ( taxes of about {$8300.00} ). What is Caliber doing? Pooling everyone 's escrow to their benefit. There is no reason the {$11000.00} should sit in an escrow account without earning interest, especially when their calculation of the escrow is wrong.

Caliber from day one has gotten their end of the bargain -- timely mortgage payments of principal, interest and escrow. Also after Harvey we have maintained both homeowner 's and flood insurance. Now, we simply want the escrow to reflect accurately the account or, preferably, be eliminated as we are able to easily pay the year end taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have two consolidated student loans. Both with Sallie Mae now Navient.During the XX/XX/2009 Georgia XXXX furloughs, I was advised by Sallie Mae to sign up for Forbearnace. I have XXXX in a XXXX XXXX for over fourteen years. I have been denied for the XXXX Loan Forgiveness program 2 times. I have never missed nor been late on one payment in fifteen years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NH

Complaint narrative:
Back in XXXX and XX/XX/2018 we contacted The Money Source due to the company never applying our mortgage payment to our account. We have letters and cashed cashiers checks with dates stating they had and received the payments. The payments were never applied to our account causing in missed payments and missed payments on our credit reports. Each payment that was made with a cashiers check seemed to have an issue with the payment process. We contacted The Money Source and still have not received an email or call back regarding this issue. We were told that the issue was being looked into, but still have not heard a thing since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My husband already submitted one request last night with my account as a joint claim. After speaking with the credit card company, my husband 's claim was reopened with the credit card company but mine was not. we had charges placed onto credit cards that we had no idea that we were getting. I ended up getting my own account after signing as a joint applicant on this generic/blanket credit application under my husband. I assume the vacation club took my information from the papet and put it into a separate application. I have a charge of {$2200.00} on my card. like my husband stated, we did sign a membership contact which is now cancelled and this has nothing to do with us authorizing this vacation club to take money off of credit cards that we didnt know about. we NEVER signed a receipt or verbally authorize this vacation club to take money from these credit cards. There were no services or Supplies rendered. we also let the vacation club keep {$1000.00} dollars from our bank account during this cancellation. It would not be right for them to keep the {$2200.00} from my card and {$4500.00} from my husband 's card after illegally taking the money. The credit card company sided with vacation club after they showed them we signed a contract for a membership with them and failed to cancel during the 3 day cancellation policy. yes, we failed to cancel with them after being toyed around for a year with lies about not being able to cancel. at the end of the day, this vacation club contact has nothing to do with us authorizing this company to take {$6700.00} dollars from us without our consent.

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 2019-02-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX  is incorrectly reporting me as an Authorized User on Chase card ending in account # XXXX. I called Chase and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User and XXXX  and XXXX have removed this from my report but XXXX  has not. I have contacted the bureau to fix this issue but they have not fixed it yet. The negative information is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I tried to call to correct the address that XXXX XXXX XXXX XXXX is reporting and they were very unclear stating they couldn't change the incorrect information because the account is closed ... Also XXXX XXXX XXXX XXXX are reporting a late charge from XX/XX/2012 on my XXXX  and Experian reports that is inaccurate. Company hangs up on their customers constantly, refuses to follow federal judges orders, and tries to micromanage their customers speech. XXXX XXXX XXXX XXXX are fraudulently reporting incorrect information as one of their representatives put it to " on purpose '' to tarnish my excellent credit record. XXXX XXXX XXXX XXXX   can't even keep their own facts straight they report 0 missed  payments to XXXX  ( which is accurate. ) but then turn around and report different false information to two other bureaus.

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 2019-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I tried to get a mortgage approval through Rocket Mortgage. At the moment I originally applied, my credit was around 608. After reviewing my credit, they said the system required a " dispute removal ''. They would not process my loan unless I agreed to this dispute removal process. After this procedure, they reran my credit and it tanked to XXXX. I did not qualify for FHA loans without a 10 % down payment due to my credit being to low ... but only after THEY RUINED IT! Rocket Mortgage refused to manually underwrite the loan. STAY FAR AWAY FROM ROCKET Mortgage!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Hello My credit score went down 44 points This was due to Equifax I worked with the XXXX XXXX XXXX to see if I could lower my payments. They in fact put my student loan in forbearance. I was never late on my payments. This was an Institutional deferment. I was surprised that they allowed me to have a deferment. I'm XXXX years old and owe XXXX I have worked so hard for years to improve my credit score.and had to up to XXXX. I need it to be up that high as I plan on moving into an apartment I can afford, So I go check my score on XXXX XXXX and Equifax had the remarks written, I had gone into forbearance with a drop of my score of 44 points? That is not supposed to happen. I was never late and it is a forbearance. I need for equifax to bring my score back up to where it was, to where I have made every payment on time on everything over so many years. I have had problems in the past but I have been on time with all my payments with everyone for years. Please can you check out what has happened with this credit reporting company and have them give me my 44 points back.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
Company falsely reported to credit reporting company that account was disputed. Never received communication from this company showing the total debt and a contract signed by myself stating that I owed the debt. Recent harrassing calls from a woman who is very rude and threatening. I have disputed with all credit bureaus and company stated that information was correct but again I was notified in writing about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: TX

Complaint narrative:
Transunion is incorrectly reporting me as an Authorized User on XXXX card ending in account # XXXX. I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User and XXXX and XXXX have removed this from my report but Transunion has not. I have contacted the bureau to fix this issue but they have not fixed it yet. The negative information is harming my credit score.

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 2019-02-19 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: IL

Complaint narrative:
From XXXX, I was able to obtain my credit reports from XXXX and XXXX. Equifax claimed they could not deliver my report online and needed further information, which leads me to believe they have fraudulent information. They were unable to provide the report electronically today via several phone calls to their regular customer service line and Global Consumer Care team. It is vital that I receive this report today, as someone has fraudulently opened a XXXX account in my name and purchased two phones, for which I received the bill yesterday. It is unacceptable that I am not able to receive my report from Equifax in a timely manner ( mail in a copy of my W2 and other sensitive information, when USPS has been unreliable?! ), as my identity has clearly been used fraudulently and I potentially have other issues to resolve.

Additionally, on two separate calls, they tried to SELL me either a credit protection service, or to get me to PAY for my credit report, both of which are appalling responses for someone trying to obtain their credit report during a stressful event such as identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Our home was severely damaged during hurricane Florence. Our flood insurance went into effect and we received the insurance check for {$86000.00}. The check was issued to us and DITECH. We endorsed the check and mailed it to Ditech as requested by Ditech. Ditech received the money on XX/XX/2018. All paperwork has been submitted to Ditech that was required of us as homeowners. Per Ditech, the check has been issued and is to be sent to use for need repairs. We have yet to receive the check at this time after several time frames and delays have been stated by ditech. Our XXXX has started good faith repairs and has since had to reschedule do to the hardship of lack of payment. My family and myself are currently residing in a camper as our home is unfit for habitation, these delays have been truly inconvenient and unnecessary. Such delays have increased the exposure time of our home to hazards ie mold and mildew, increaseing further repairs and damages. Ditechs lack of communication and release of funds provided by our insurance company, has cause increased time frame for completion of repairs and possible loss of acquired XXXX. 
Any assistance that can be rendered for this current situation would be helpful, we do not know what other routes to take to return to our home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/19 I made a deposit in the amount of {$500.00} to a suntrust ATM located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. In the middle of the transaction the ATM malfunctioned and restarted. I immediately called into the customer service line to make sure my deposit went through ( time of call at XXXX Saturday XX/XX/XXXX ). I spoke with a representative that let me know that the deposit did in fact go through. I asked if I needed to take any further action and was informed that I did not. 

On Sunday XX/XX/XXXX I was auditing my account and noticed that the deposit for XX/XX/XXXX was not reflecting on my account. As it was a Sunday I waited until XX/XX/19 at XXXX to call in to customer service and speak with someone about my lost deposit. A claim representative let me know that he saw a deposit was attempted but it did not ultimately go through. I was told that I would have to wait for an investigation to be completed but a temporary credit could be applied to my account in 10 business days. I expressed my concerns about having to wait 2 weeks to have access to my money due to a malfunction with their equipment and was not offered any solution to that. 

XX/XX/XXXX at approximately XXXX I went in to the branch where the transaction took place. I asked if the branch had access to the ATM camera and was informed that they did not as they do not service the ATM themselves. I asked if the temporary credit could be expedited, a representative called the disputes line and was informed that we would not be able to do so. It was brought to my attention by the representative that their power went out 3 times over the last month. I was told that I would have to wait for a count to occur and see if they have surplus cash. 

At this time I am not confident that Suntrust will give me access to my deposit. Furthermore, if I hadn't noticed that my deposit hadn't posted they would have kept my money. The ATM didn't give me a receipt ( turned off in the middle of my transaction ), I don't have access to the video from the ATM, I don't have access to the calls I made and the counters could just lie about having surplus cash.

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 2019-02-19 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that has been disputed. Please resolve this matter as soon as possible. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Tower Loan at XXXX XXXX  XXXX XXXX In XXXX, MS has now pulled hard inquiries on my credit without authorization. I have called and written after the first three and instead of stopping they made another hard inquiry. The dates are  XX/XX/XXXX and XX/XX/XXXX of XXXX ; XX/XX/XXXX and XX/XX/XXXX Of XXXX. I do not hold any account with Tower Loan and have not for several years. They do NOT have my authorization to view my credit. Furthermore, they have been told specifically to not pull my credit both verbally and in writing.

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