vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-19 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: CA

Complaint narrative:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have my current loan for my1st house with XXXX XXXX XXXX ( Loancare ). I have been paying promptly my payments for the past 2 years. In order to get rid of my PMI, I have been following their instructions and as per they letter, it states : " If you would like to pursue a cancellation of PMI based on the current value of your property, an appraisal is required to determine if your LTV has reached 80 % or less ''. I have requested the appraisal, paid for it, and the LTV is now at 79 % for the past 4 months. Since I didn't have 2 full years of loan payment, they have asked me to contact back in XXXX ( never understood this, but anyway ). I have contacted them, and now they state over the phone : since you had an appraisal done, the LTV has to reach 75 %. On a new letter sent to me they are advising me I need an appraisal and LTV has to be 80 % or less. I have asked a few other brokers and accountant and they have never heard of the 75 % and have advised me to contact you. Also, this keeps dragging for over 4 months now and despite email communication, complaint about their services and phone calls I am still waiting for a proper answer. I really would like to understand my rights and since when once an appraisal is done I need 75 % of LTV, especially as this was never required in any of their letters. Thanks

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 2018-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo bank skimmed {$160.00} off my account by debiting my account for the same check twice. On XX/XX/2018 two debits were made to my account. One was for Check # XXXX in the amount of {$160.00}. The other debit was a " Check '' without a check number and for the same amount. When I called Wells Fargo Bank they were unable to provide me any information about this check and said the check number was read by their system as XXXX. I'm unable to see a copy of this check online or get a copy from the bank. This is yet another example of Wells Fargo Bank continuing to act unethically and still from us. We have had multiple claims against WFB and one of them was for skimming which WFB was forced to compensate us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
In XX/XX/2018 I began refinancing my home mortgage with XXXX  XXXX XXXX. I have a second mortgage that was sold to Select Portfolio Servicing out of Utah/Florida. To date, SPS has not completed their part of the processing so XXXX  XXXX XXXX can schedule a closing. In conversations with SPSboth customer service reps and a manager, Ive gotten the run aroundsaying it will be completed in 3, 5, 7 days since mid- XXXX. XXXX has talked with them and they tell them the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
I disputed the debt in collection with XXXX XXXX in the amount of {$970.00}. According to the debt collector XXXX XXXX the debt was charged off in XX/XX/XXXX.  According to XXXX XXXX the account was closed on XX/XX/XXXX- to which I had a XXXX past due balance. Im currently disputing the debt and have been in contact with the debt collector due to inaccurate dates and amount owed and they refuse to accept my dispute/claim. I believe this debt collector is reporting inaccurate and outdated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: CA

Complaint narrative:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: CA

Complaint narrative:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I disputed the debt in collection with XXXX XXXX in the amount of {$970.00}. According to the debt collector XXXX XXXX the debt was charged off in XX/XX/XXXX.  According to Capital One the account was closed on XX/XX/XXXX- to which I had a XXXX past due balance. Im currently disputing the debt and have been in contact with the debt collector due to inaccurate dates and amount owed and they refuse to accept my dispute/claim. I believe this debt collector is reporting inaccurate and outdated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian constantly fluctuates my credit score Despite having flawless credit. Example : my credit score dropped 13 points from XXXX to XXXX in 2 weeks for absolutely no reason? 
It bounces around like this all the time fluctuating upwards of 20 points on any given week despite no changes on my part? 
I have {$50000.00} dollars of unused credit and my bills are very low for someone my age. 
Never had a late mortgage payment, truck or credit card payment etc etc so why is it constantly changing from the 800s ( where it should be and remain ) to the 700s for absolutely no reason?? 
If I dont open any new accounts, miss a payment on a bill etc etc then it should not change like that! 
Total scam!!!!!!!

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 2018-12-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
I applied for, and received, a forbearance due to temporary financial hardship on 2 of my loans currently being serviced by American Education Services between XX/XX/XXXX and XX/XX/XXXX. These were both private loans owned by XXXX, and guaranteed by XXXX. The first loan ( 1 XXXX ) was disbursed on XX/XX/XXXX at a 5.1 % interest rate for {$35000.00} with a repayment term of 133 months. The second loan ( 2 XXXX ) was disbursed on XX/XX/XXXX at a 4.85 % interest rate for {$16000.00} with a repayment term of 133 months ). 

When the forbearance ended, the payment date was moved 3 days forward, from the XX/XX/XXXX of the month to the XX/XX/XXXX of the month. There was no reason given, nor could any of the employees I talked with explain why it was done. I am typically paid on the XX/XX/XXXX of  the month, and I called and requested to change the date back to the original day, the XX/XX/XXXX, as I would not be able to pay on the XX/XX/XXXX day of the month. To be safe, my direct debit was suspended, and I was assured that no late fees would appear nor would there by any report on my credit as long as I did pay the amount due by the XX/XX/XXXX of the month. 

I called on the XX/XX/XXXX and was told the change would be processed in 7-10 business days. I called back several days later and was then told that changing the date would actually take 1-2 billing cycles. I was again reassured that no late fees and no credit reporting would occur as long as I paid the requested amount by the XX/XX/XXXX. I paid  the amount due on XX/XX/2018 on XX/XX/2018. I was paid a day early because the XX/XX/XXXX was a Friday and paychecks are disbursed a day early so they are not held over weekends. 

On XX/XX/XXXX, I received a letter in my account inbox online stating my date change request could not be accommodated since my account was delinquent. I checked my online account, which stated my account was current, there was {$0.00} due, and that I had, in fact, paid ahead. 

Since I can not pay on the current due date, and it may take 1-2 billing cycles to change the due date, my account will always be delinquent ; therefore, I can never receive a change on the due date in order to pay on time. Additionally, I have been given wrong or contradictory information at each step of the process, culminating in my account being shown as current and " paid ahead '' while at the same time receiving official notification that it is in delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: LEXISNEXIS
State: PA

Complaint narrative:
LexisNexis has yet to provide any proof of any claims valid or accurate as claim by LexisNexis. My next issue is they claim there a reporting agency in which factor. I have yet to see any proof of gather information as stated by LexisNexis. Its all words with no documents to back up as there claims. CFPB # XXXX I did not agree or sign or give LexisNexis permission to run or check my credit for nothing or any other claim by them. I need proof of my signature as stated by XX/XX/2018 claim not some XXXX reply that has no documents to prove as stated. I don't want to hear a bunch of lies and XXXX  by LexisNexis or some run on line show proof or I'm in the process of filing a law suit on LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
i submitted a complaint against Bayview loan servicing on XX/XX/18 in regards to my loan which is has many federal violations, as was stated previously i never received my disclosures from XXXX XXXX  nor did i received the right to rescind the loan, Bay view loan is servicing this loan for a lender which i believe to be XXXX XXXX XXXX which has been the subject numerous lawsuits because they assumed loans from XXXX XXXX which was also involved in my loan, so when the LENDER took over this loan they assumed all responsibilities of that loan and since XXXX XXXX assigned the loan the day after it was purchased, XXXX XXXX is out of the picture and out of business, based on the documents i have the Note and TRUTH and Lending Don`t match which is a direct Violation of the Federal Lending Laws regarding Mortgages, so my loan was a bad loan from the start, interest rate, payments and terms. Bayview is not going to just sweep this matter under the rug and pass the buck this has become a Federal issue because there was no Truth in this Lending!.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Paypal Credit has charged me a late fee, because I paid too early. 
I received the email statement, and paid right away, however, the payment was applied to the statement period just ending, and not applied going forward. so then, the next period was declared late, because they applied it going backwards. 
this is ridiculous. they refuse to reverse the late fee. 
I think it's fraud, for them to send me a notice to pay a bill, that they are not ready to process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC

Complaint narrative:
Good Morning In XX/XX/2017 i have found some strange report on my credit file from unknown company " XXXX XXXX  XXXX XXXX '' but this collection is fraudelent and i do not have any idea where this is came from, i kindly ask you to investigate this case and delete this information from my report. 

Account number : XXXX Balance : XXXX $ Creditor Info : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX Original creditor info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: GA

Complaint narrative:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap ..XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 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: GA

Complaint narrative:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: CA

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX DE

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 2018-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
My name is XXXX XXXX. I can be reached at XXXX, XXXX and /or XXXX. I traded in a XXXX XXXX that was financed with Santander Consumer USA. My loan payment is withdrew by XXXX XXXX which also goes by the name XXXX XXXX   My loan payment is withdrew from my bank account each month by XXXX XXXX on the XXXX  of each month and sent to Santander by the XXXX. The XXXX XXXX was paid off on XX/XX/2018  by the XXXX XXXX dealership located in XXXX, Indiana. When I called Santander on XX/XX/2018 they told me they never received a payment from XXXX XXXX. XXXX XXXX faxed them the ledger showing the payment had been sent to them by XXXX-18. They changed their story three times in a matter of 2days stating the payment had been applied to someone else 's account then it had been sent back to XXXX XXXX then admitted they owed where an overpayment of XXXX had been made to the account. I have called everyday and been told that I would receive a refund in the mail in 21-45 days although they have had the overpayment since XXXX-18. This has adversely affected my bank account and caused me to  lose a great deal of money in fees. I have the names of all of the individuals I have spoke with at Santnader and I have only one statement that has been sent to me in the duration of a in excess of a four year loan. All of my payments have been made and received before they were due. The statement urges all of their customers to use XXXX XXXX therefore Santander must have a strong working relationship with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I opened a XXXX  credit card on XX/XX/2013. I used it, paid off the debt and closed it XX/XX/2013. It is still actively on my account and is effecting it negatively even though ive never missed a payment and ive closed it. It is also being stated as a current account.Ive asked for pay to delete but the company says they can not delete it off my credit report

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 2018-12-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank Home Mortgage has been over-charging me in property taxes because their employees are inept. They have yet to go to the County Tax Office for the correct amount of taxes due. This has been an on-going problem with Wells Fargo Bank Home Mortgages for many years now. A Wells Fargo Bank employee gave out my mortgage loan account # to known mortgage fraud criminals, who were charged and convicted of this crime. Yet, Wells Fargo Bank, Home Mortgage claims they have no knowledge of this  criminal activity. Wells Fargo Bank always denies everything until they are fined and forced to give back the money owed to the customers. Wells Fargo Bank employees work with Drug Cartels to launder money. Wells Fargo Bank employees work with Mortgage Fraud criminals, as they did in XXXX, TX with my account. Wells Fargo Bank hired those individuals who lost their positions on the Banks that were allowed to go under in XXXX. I have been having problems with Wells Fargo Bank ever since this time. Wells Fargo Bank on-line site was hacked and 2 payments were stolen from this site in XXXX and again in XXXX. Wells Fargo Bank, Home Mortgage  misapplied 2 of my payments in XXXX. My loan has been paid in full. Yet Wells Fargo Bank continues to add service fees in the amount of $ XXXX a month on a loan that has been paid in full. Wells Fargo Bank, Home Mortgage  still is missing all payments made in XXXX. Wells Fargo Bank, Home Mortgage does not have an accurate account history and is falsifying my mortgage account, just to try an line their own personal pockets.

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