vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-23 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: ID Analytics, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX, XXXX Consumer Finance Protection Bureau Via Consumer Finance.gov website Subject : paralleling XXXX XXXX line The report of my death was an exaggeration. 

I submit this note of concern not simply because an alleged credit reporting agency claims I am deceased but, hurt feelings aside, this obviously false claim can kill my credit rating! 
Yes, mistakes do happen. Of broader importance is the agency ( the poorly named Sagestream ), its crony bank ( XXXX ), and the retailer ( XXXX  which apparently refers to the wide space between sales and service ) which chose the bank, have clearly indicated they do not give a XXXX. 
This awkward tale began with an attempted web purchase from XXXX linked to a cost saving if I agreed to apply for their credit card. Subsequently I received on XX/XX/XXXX a letter using my formal name XXXX XXXX, from XXXX ( an institution previously unknown to me. The letter dated XX/XX/XXXX said it was unable to approve my credit request as Sagestream reports applicant is deceased. 
Well. When I received the latter I called Sagestream on XX/XX/XXXX. Twice. Twice was put into a voice mail. Presented my problem. To date I have not received a response. Perhaps they are embarrassed? 
Moving up the line, on XX/XX/XXXX, I called XXXX where I was told, repeatedly, it was not their problem, I should call Sagestream. I finally asked for the banks fraud division. I was connected and with patience explained the situation. My reward was to be disconnected. 
Moving further up the line, I called XX/XX/XXXX XXXX/XXXX  XXXX to explain the problem and the obvious danger to my credit rating. I was told the matter would be referred internally and I would hear back in 30 days. I explained that a month dead would Really do damage to my reputation. He referred me to another number that referred me to another that flipped me back to the XXXX credit card company. Ive actually been to the real ( rudely-called ) XXXX XXXX where manners are far better. 
I do know if I am trapped in the company of XXXX, incompetents or gamers. I do know that given my past experience as a news reporter, I will not let this misbehavior lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: TX

Complaint narrative:
I wish to learn the number of Public Service Loan Forgiveness qualifying payments you've made since starting repayment. 
I have asked for them to look into how many qualifying payments I have made and to appeal the payments that I made during my residency and still do not have an answer. this is from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: Ditech Financial LLC
State: FL

Complaint narrative:
I own a house in XXXX that is my primary residence. In the fall of XXXX, my mortgage servicer at the time ( DiTech ) called me unsolicited and offered me a 6 month forbearance on my mortgage payments due to a hurricane that had just come though. They said that they were offering this deal to ALL Florida customers. I specifically verified that this would have no adverse effect on my credit report. I also specifically verified that at the end of the 6 months DiTech would recalculate things to put the 6 payments on the end of the loan. I can only assume that DiTech recorded that phone call. 

DiTech sent me a Forbearance Agreement to sign. Before I signed it, I called them back about the verbiage that says All payments postponed during the Payment Break Period must be repaid. They said that all payments would need to be repaid but that they would be repaid at the end of the loan. Although I found the verbiage somewhat ambiguous, I trusted that what they were telling me would be accurate. 

Fast forward 6 months to XX/XX/XXXX when I called DiTech to see what my new payment would be with 6 months of interest added to my principal balance. They told me that I would have to apply for a loan modification. I told them that this was NOT what they had described to me 6 months prior. They told me something to the effect of yeah, we screwed up when we told you that, but dont worry about it and just apply for the loan modification. Even though I am paraphrasing, I am 95 % sure that they used the EXACT phrase we screwed up. I again confirmed that this would have no ill effect on my credit, and they concurred. I can only assume that DiTech recorded this call as well. 

Fast forward to a few weeks ago, and I ran my credit just to make sure there was no fraudulent activity of any type, and I see that DiTech was reporting me 4 months late on my mortgage payments in XXXX XXXX once my forbearance period ended. This is making my credit score significantly lower than what it would otherwise be, and has caused me to financial harm. 

DiTech has since transferred the servicing of my loan to XXXX who then later transferred it to XXXX XXXX / XXXX. I called DiTech and my phone conversation was unnecessarily adversarial on their part and went nowhere.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-23 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: DISCOVER BANK
State: NY

Complaint narrative:
In the apps says that Im over limits on my card and I wan na know why. It says that I have to pay XXXX for some payments that I made but I dont remember making them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In the apps says that Im over limits on my card and I wan na know why. It says that I have to pay XXXX for some payments that I made but I dont remember making 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 monetary relief
Consumer complaint received 2019-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In the apps says that Im over limits on my card and I wan na know why. It says that I have to pay XXXX for some payments that I made but I dont remember making them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: FL

Complaint narrative:
I have been going back and forth in regards to my credit and identity theft results for more than 5 years and I am very frustrated. On my credit report with XXXX  I have an inquiry that is a result of identity theft because it is not mine and I have never given anyone permission to use/run my credit. The inquiry is : XXXX XXXX XXXX Inquiry from XX/XX/2019 On my credit report with Equifax I have the following fraudulent accounts - XXXX XXXX - XXXX  - XXXX XXXX On my XXXX   credit report - XXXX XXXX - XXXX  - XXXX  XXXX  I continue to dispute these accounts as results of my identity theft with no success. All I receive are general responses saying they are valid with no proof. I have even sent police report information and identity theft report information and numerous FTC complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: FL

Complaint narrative:
I own a house in XXXX that is my primary residence. In the fall of XXXX, my mortgage servicer at the time XXXX XXXX XXXX called me unsolicited and offered me a 6 month forbearance on my mortgage payments due to a hurricane that had just come though. They said that they were offering this deal to ALL Florida customers. I specifically verified that this would have no adverse effect on my credit report. I also specifically verified that at the end of the 6 months XXXX would recalculate things to put the 6 payments on the end of the loan. I can only assume that XXXX recorded that phone call. 

XXXX sent me a Forbearance Agreement to sign. Before I signed it, I called them back about the verbiage that says All payments postponed during the Payment Break Period must be repaid. They said that all payments would need to be repaid but that they would be repaid at the end of the loan. Although I found the verbiage somewhat ambiguous, I trusted that what they were telling me would be accurate. 

Fast forward 6 months to XX/XX/XXXX when I called XXXX to see what my new payment would be with 6 months of interest added to my principal balance. They told me that I would have to apply for a loan modification. I told them that this was NOT what they had described to me 6 months prior. They told me something to the effect of yeah, we screwed up when we told you that, but dont worry about it and just apply for the loan modification. Even though I am paraphrasing, I am 95 % sure that they used the EXACT phrase we screwed up. I again confirmed that this would have no ill effect on my credit, and they concurred. I can only assume that XXXX recorded this call as well. 

Fast forward to a few weeks ago, and I ran my credit just to make sure there was no fraudulent activity of any type, and I see that XXXX was reporting me 4 months late on my mortgage payments in XXXX XXXX once my forbearance period ended. This is making my credit score significantly lower than what it would otherwise be, and has caused me to financial harm. 

XXXX has since transferred the servicing of my loan to XXXX who then later transferred it to XXXX XXXX / XXXX. I called XXXX and my phone conversation was unnecessarily adversarial on their part and went nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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:
Credit inquires that was removed on XX/XX/19 is now showing up again

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 2019-11-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have attempted to fix fees charged through sams club credit account handled by synchrony bank, by calling, in, and I always get representatives in another country who can barely speak English. I went ahead and just called this morning, since I received a late statement. Making my payment late and their rhetoric, is to repeat the most recent information on the card. I asked about the fees and she simply brushed me off. I requested a change of address and she placed me on hold over 10 minutes. This is unacceptable. I need customer service in the US or a creditor that will actually service the needs of the public before placing the needs of the bank first.

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 2019-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been going back and forth in regards to my credit and identity theft results for more than 5 years and I am very frustrated. On my credit report with TransUnion I have an inquiry that is a result of identity theft because it is not mine and I have never given anyone permission to use/run my credit. The inquiry is : XXXX XXXX XXXX Inquiry from XX/XX/2019 On my credit report with XXXX I have the following fraudulent accounts - XXXX/XXXX XXXX - XXXX  - XXXX XXXX On my XXXX  credit report - XXXX XXXX - XXXX  - XXXX XXXX I continue to dispute these accounts as results of my identity theft with no success. All I receive are general responses saying they are valid with no proof. I have even sent police report information and identity theft report information and numerous FTC complaints.

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 2019-11-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been going back and forth in regards to my credit and identity theft results for more than 5 years and I am very frustrated. On my credit report with XXXX  I have an inquiry that is a result of identity theft because it is not mine and I have never given anyone permission to use/run my credit. The inquiry is : XXXX XXXX XXXX Inquiry from XX/XX/2019 On my credit report with XXXX  I have the following fraudulent accounts - XXXX/XXXX XXXX - XXXX - XXXX XXXX On my Experian credit report - XXXX XXXX - XXXX  - XXXX XXXX I continue to dispute these accounts as results of my identity theft with no success. All I receive are general responses saying they are valid with no proof. I have even sent police report information and identity theft report information and numerous FTC complaints.

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 2019-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO

Complaint narrative:
Yesterday I received a phone call from XXXX stating that I owed {$790.00} from an online payday loan in 2017. They also called relative. On both of our voicemails they left a case number and a phone number to call. No name of the company. 

When I called the number left on the voicemail, XXXX, they said that my case was locked because someone was filing charges against me for breach of contract and a fraudulent bank related charge. They put me on hold for about 2 minutes so that they could request for the case to be made access to them and came back on the line. Then they said that they were indeed able to gain access. These two charges plus what I owe would then cost me {$1900.00}. Thats if I didnt pay right then. If I paid right then, over the phone, then it would be {$790.00}. 

They still could not give me a company name and would only told me what the company did which was to collect debt. I told them that Id be willing to pay if they could offer me something in writing before stating that if I paid, then Id be cleared. They said they couldnt do that. 

The company said that after I made the payment, then theyd be able to offer documentation. Im not sure if they were telling the truth, but demanding someone to pay money over the phone without anything in writing just doesnt seem ethical to me. Then theyd have my bank information and who knows if it was even for Ace cash express. 

Throughout the call they suggested that I would need to contact an attorney and at the end they told me good luck. I think that the whole call was an intimidation technique and thats not ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: FL

Complaint narrative:
I submitted a request that certain items on my credit reports be removed. I experienced identity theft a few years ago and do not recognize these accounts, nor did I authorize them. I received a response from all 3 bureaus that the items were valid. There is no way these items are valid. 

On my XXXX report I have a XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX XXXX account reporting which is not mine. I also noticed the following inquiries which are not mine and fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX On my Equifax report I noticed the following accounts which are not mine and fraudulently being reported : XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX   {$1200.00} XXXX XXXX XXXX {$30.00} I also notice on my Equifax report a CHILD SUPPORT account which should not be on there because I do not owe child support nor am I on child support. I have a few time before informed them of all of the things I am including in my complaint. I have also submitted identity theft reports, etc and filed a police report. 

With XXXX  I have noticed the following fraudulent accounts and inquiries XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$30.00} Inquires : XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
My bank, XXXX XXXX XXXX XXXX XXXX, reports a credit card to Experian but Experian is not including it in my credit report. This lowers my credit score because of 'few credit cards '.

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 2019-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc.
State: OH

Complaint narrative:
Advance America XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Phone Number : ( XXXX ) XXXX Payment are supposed to be taken out of my checking account automatically on the 5th of the month. Permission was given to authorize that several months prior. 

On XX/XX/2019 I receive a call that the XX/XX/XXXX payment was " late '' requesting me to rectify a mistake that they had made ... .demanding that I pay the payment by debit card. I said I will do that ASAP via online. The company has continued to call me on a daily basis, even though I told them on several occasions that " I will pay it online before XX/XX/XXXX. '' Today, I called the corporate number only to be told that it is " within '' their right to continue to call until the debt is paid. 

I even now have to place their number on block to prevent the calls. But now they are using another number listed only as " Private '' on my caller ID to continue the harrassing calls. 
All I am asking for is for them to listen to what I am telling them to rectify a mistake that they caused. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: KY

Complaint narrative:
XX/XX/21 I signed into the website to make a payment. It was so stressful then by the time I got signed in it wouldnt take my payment. So I called them. Well since they recently sold my loan to another company it was too new of an account so thats why it wouldnt allow me to. Then they wanted to charge XXXX $ to take the payment over the phone and XXXX  $ thru the on- line system. This is not right! I didnt pay it I went to the post office and sent a money order because they said my online bill pay from my bank could get lost in the mail and to send a regular check, which that makes no sense! Still cost me just as much because I needed delivery confirmation! Its very stressful! I bought Money order too because I wasnt about to send a personal check to get lost

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
I recently received notice from my mortgage company, Flagstar Bank, that my payment is increasing due to an escrow shortage. While I understand that this may happen, there is no explanation for the increase. The notice states there were was an increase in escrowed items, however there has been no increases in my property taxes. I have been unable to reach my mortgage company during their business hours despite several attempts. I need help getting this resolved as soon as possible as my payment has increased by over {$300.00} a month and I am unable to any answers.

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