vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
In 2018 my wife lost her job and her brother, who had helped when he could, enlisted in the XXXX at the same time. It was like losing more than half of our household income all at once. We scraped by for a while, but one month we just couldnt put together enough to pay everything. We fell behind on our mortgage, and with the late fees, it started to pile up. 
When we were finally all working again and got enough to be able to put together a month or two, our bank declined the payment. They wouldnt take our money or work with us.They said they wouldnt do anything until we paid the entire balance. There were fees that wouldnt be explained and when they said we could apply for help, it seemed like I would send our paperwork over and over, but it was always lost. We applied for help in XXXX, XXXX and XXXX of 2018 and were denied every time even after we showed the proof of income they requested. After doing this for months, they said the only option was to give them the house. 
We have stable employment again, but we just cant pay twelve months of mortgage payments at once. We have been in foreclosure since 2018 and just want to save our home but the bank refuses to work with us and we feel we have been unfairly denied. Weve talked to many different representatives at our bank, repeatedly, but it doesnt matter to them that our crisis was temporary. They refuse to listen, or help. 
Please help us save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: TX

Complaint narrative:
There is already a debt collection on my Credit Report that is not my account and I have been disputing it with the Credit Bureaus from Westlake Financial Services Inc and the ORIGINAL supposed amount owed was {$10000.00} as of XX/XX/XXXX. I already was not aware of this debt and also the charge off amount and yet as I dispute the only thing that has been happening is the balance has been going up. Not to mention this account was closed way back in XX/XX/XXXX so how can the amount supposedly owed go up on an account that has been closed for over 2 years. On XX/XX/XXXX there was an alert of the amount changing from {$10000.00} up to {$11000.00} a difference of {$510.00} when the account has been closed since XXXX. Then yesterday I received another alert that the amount supposedly owed went up yet again from {$11000.00} to {$11000.00} an added difference of {$330.00} how is this even happening on an account that has been closed for over 2 years with no activity at all? That is a total of {$840.00} it has gone up for no reason at all this just goes to show that even the original amount supposedly owed was incorrect. This company is trying to scam me and is destroying my Credit Report in the process so I am filing this complaint since it does not seem like they are trying to help my situation they are just trying to ruin my Credit even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Court ordered garnishment settled and Paid in Full. MIDLAND CREDIT fails to update and delete the collection from my credit report. The total due on judgement is {$630.00}, they are reporting and updating an incorrect balance of {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXXXXXX not mine XXXX XXXX XXXXXXXX never late XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX   XXXX {$1200.00} not mine

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 2019-10-14 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I intitially placed a security freeze on my credit report through Sage Stream in XXXX. I now am trying to remove the security freeze as I am in the background process for a new career and must remove the freeze for the company to access my credit report. I have called over 20 times, left 5 voicemails between the dates of XXXX nad XXXXXX/XX/. I have faxed in twice my information to remove with the PIN and proper information and no return phone call. The phone directory routes all calls to a voicemail, or to say that all Sage Stream Reps are on another call. I have reached out to the Customer Service Director via XXXX and was told to call Sage Stream and the " team '' would help with my removal. There is no team to do this. This is absolutely illegal, immoral, unprofessional and ridiculous that a credit reporting agency can string out a consumer in this regard. This company has no right, and should be closed down because I know there are thousands others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXXXXXX not mine XXXX XXXX  XXXX never late XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX   XXXX {$1200.00} not mine

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 2019-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Braviant Holdings, LLC
State: CA

Complaint narrative:
I took a loan. Application number XXXX. Of only XXXX. It was meant to be short term. I applied and they have NO information on their website about payoff or easy payoff. Everytime you call them they keep you on hold so you give up and make it difficult to pay you. I sent the account to debt management. However i decided to call and pay off the loan. I have been trying to pay it off since XX/XX/XXXX. Nobody calls you back. 

The most ridiculous part is that they said I can not pay them anything and they will give me no additional information unless i go to an attorney and give them a power of attorney. Just to pay off a loan? 

XXXX XXXX XXXX I did some digging up and apparently they are very notorious for pay off. They do it on purpose to keep accumulating interest. 

Please help me! Due to bad times this has happened to me. I am making it right and want to pay them off. What is this ridiculousness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I've been " approved '' several times on not only XXXX XXXX but XXXX. Every time I " accept approval '' and complete the application, it is declined. I receive an automated response with all the reasons for the decline decision and every time, I have contacted Opploans as their reasons do NOT apply to me and I have verified, SEVERAL times, that I meet ALL requirements in addition to receiving the offers that I'm already approved. 

This is not fair, as I've been working VERY hard at improving and repairing my credit score from the damage that was done in 2008, and every time I believe I'll be able to get ahead, I am turned down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
My recently deceased adult daughter who was still on my medical coverage went to the dentist last year ( XXXX ). The dentist office, reported it to my credit instead of hers. Despite never receiving a bill. 

I'd moved to XXXX from XXXX  with a new number and never got a call or letter about an unpaid balance. When I recently moved back to XXXX and applied for a car loan on XX/XX/XXXX, I was denied due to a collection. I called the original creditor listed and was advised that that the bill was from my daughter and explained that she had passed away. The receptionist even stated that I'd never missed a bill and she was shocked. 

Since I intended to return to the dentist now that I was back in XXXX, I paid my daughter 's balance of XXXX {$200.00} on XX/XX/XXXX. I called the collection agency reporting the debt, Carter-Young Inc of XXXX, Georgia on XX/XX/XXXX and reported that I'd made the payment directly to the dentist and that the bill was not mine in the first place and should not have been reported on my credit bureau. 

I waited a week, until XX/XX/XXXX to call the dentist office back and asked about it not being removed from my credit bureau reports. On, XX/XX/XXXX I got alerts from each of the credit bureau monitoring programs I'd signed up for after the denial, that the account had been updated as unpaid. 

I called the dentist office on XX/XX/XXXX and she confirmed that the doctor had indeed gotten a response back from the collection agency that it was removed. I called the collection agency back and again I told them that this debt was never validated with me as the patient instead of my daughter, I didn't accompany her nor sign any documentation for that visit. I advised that it should not have been reported and was told it " should have because I should have paid it ''. I advised that I'd be filing a complaint and was told that the account was reported on XX/XX/XXXX to the credit bureaus, that they received confirmation from the dentist office on XX/XX/XXXX that it had been paid and not my account. I then asked, so why report it on the XX/XX/XXXX as not paid? 

They've had the receipt information and still reported an invalid debt on my credit report after notification from myself and the original debtor. I was told if I report it or dispute it that it would take longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I applied for car loan in XX/XX/2019, my report shows serious delinquency from XXXX. Also my credit monitor on navy federal credit union also shows serious delinquency on XXXX. I have not been delinquent in any of my loans and no company has called my or sent any letter that i am delinquent. My XXXX fax does not show any delinquency and i wonder why that report is in my account why i do a credit check

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: IN

Complaint narrative:
While serving in the XXXX oversees. My Idenity was compromised. The following accounts below were opened up in my name fraudulently. I demand that these items be removed from my credit file immediately. 

I spoke with XXXX- Agent ID XXXX on XX/XX/2019 regarding the accounts below. I asked her why the accounts were not removed despite receiving my FTC report. She stated that I needed to include the account numbers on the FTC report to have them removed on a recorded conversation. My updated FTC Report attached to this complaint now has the account numbers listed on them for removal. 

1. XXXX XXXX XXXX XXXX Account # XXXX 2. XXXX XXXX XXXX XXXX Account # XXXX 3. XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14 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: AR

Complaint narrative:
On XX/XX/2019, ( confirmation # XXXX ), XX/XX/2019 ( confirmation # XXXX ), XX/XX/2019 ( Confirmation # XXXX ), and XX/XX/2019 ( Confirmation # XXXX ) all are copies of my Equifax credit report that I received from Equifax in regards to a recent dispute regarding account XXXX. Equifax has and continues to violate my consumer rights with the continuance of reporting this fraudulent/inaccurate account to my credit file. I've attached a copy of the police report along with my initial dispute indicating account XXXX in question which requires accounts established through identity theft or fraud to be blocked within 4 business days upon receiving per section 605B. It has been well over 30 days and Equifax has neither provided me with any physical documentation with my name or signature as means of accurate verification. In addition, Equifax has the incorrect address information ( XXXX XXXX XXXX, XXXX XXXX, AR ) pertaining to account XXXX listed on my Equifax credit report which also is considered inaccurate information and another violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Relevant dates : XX/XX/XXXX - XX/XX/XXXX Dispute Nature : Falsely reporting late/missed payments for my mortgage payments Offender : XXXX XXXX XXXX  I am a US Veteran and took out a VA Mortgage through XXXX XXXX back in XXXX and have always paid on time and in full without fail. ( in fact I overpay and pay early to lower my interest payments ). 

In XX/XX/XXXX I went abroad to XXXX to get my XXXX with my GI Bill and did not have access to my US address or US phone number. I notified all my banks ( including XXXX XXXX ) and they assured me it wasn't a problem and that they could reach me via email. 

In XX/XX/XXXX XXXX XXXX stopped crediting my account because of escrow readjustments even though they were accepting my payments. They never notified me ( via email, as promised ) and instead held the money in their accounts earning interest at my expense. On top of that, they had the audacity to charge me late payments of {$430.00} despite holding onto my payments and also falsely reported my payments as missed/late to credit reporting agencies ( TransUnion, XXXX, XXXX, etc ) causing my credit score to plummet by over 400 points. 

It wasn't until XXXX of XXXX where they threatened to foreclose my house and seize it did they bother to contact me ( via email, as promised ). At that point I had to choice but to immediately pay the fines and bring my account back to good standing. 

After everything was settled, I called XXXX XXXX and the credit reporting agencies to dispute my credit score and XXXX XXXX refused to cooperate and my credit history lies in ruin and they also refuse to reimburse me for the fraudulently charged late fees. 

I am asking for your help in helping me fix this and restore my credit history back to its former good standing. Thank you. 

If need be, I have all my banks statements annotated and highlighted attesting to the validity of my claims, for your convenience.

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 2019-10-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Relevant dates : XX/XX/XXXX - XX/XX/XXXX Dispute Nature : Falsely reporting late/missed payments for my mortgage payments Offender : XXXX XXXX XXXX I am a US Veteran and took out a VA Mortgage through XXXX XXXX back in XXXX and have always paid on time and in full without fail. ( in fact I overpay and pay early to lower my interest payments ). 

In XX/XX/XXXX I went abroad to XXXX to get my XXXX with my GI Bill and did not have access to my US address or US phone number. I notified all my banks ( including XXXX XXXX ) and they assured me it wasn't a problem and that they could reach me via email. 

In XX/XX/XXXX XXXX XXXX stopped crediting my account because of escrow readjustments even though they were accepting my payments. They never notified me ( via email, as promised ) and instead held the money in their accounts earning interest at my expense. On top of that, they had the audacity to charge me late payments of {$430.00} despite holding onto my payments and also falsely reported my payments as missed/late to credit reporting agencies ( XXXX, Equifax, XXXX, etc ) causing my credit score to plummet by over 400 points. 

It wasn't until XXXX of XXXX where they threatened to foreclose my house and seize it did they bother to contact me ( via email, as promised ). At that point I had to choice but to immediately pay the fines and bring my account back to good standing. 

After everything was settled, I called XXXX XXXX and the credit reporting agencies to dispute my credit score and XXXX XXXX refused to cooperate and my credit history lies in ruin and they also refuse to reimburse me for the fraudulently charged late fees. 

I am asking for your help in helping me fix this and restore my credit history back to its former good standing. Thank you. 

If need be, I have all my banks statements annotated and highlighted attesting to the validity of my claims, for your convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: IN

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX ****XXXX not mine XXXX XXXX ****XXXX never late XXXX ****XXXX not mine

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 2019-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
I am paying on a bill directly with the provider XXXX. I am actually close to paying the account off as the bill was reviewed and I was granted a discount. In the process of the bill being reviewed, the account was turned over to Receivables Management Partners for collection attempts. Not only are they requesting the full amount of the bill from me, but I am being harassed by them on a daily basis. I have called them many times to advise. I emailed them ( per their request ) proof of payment and the letter from XXXX advising the discount on both XX/XX/2019 and XX/XX/2019. I know that they received my emails as I put a receive receipt on it. I have informed RMP many times that I am already paying on this account and they need to remove my account from their system. I even spoke with XXXX, and they confirmed that they notified RMP In XXXX that the account should be removed. I have no idea why I am having to do so much leg work on something that is not my fault. 

Example of Calls- XXXX One call XXXX 3 calls XXXX 1 call -These calls are from numbers that I was able to identify. I am pretty sure that there are more as I have a ton of missed calls from unidentified phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
I had a {$280.00} balance left over from a {$1200.00} installment loan and I noticed the next week my balance increased to {$380.00}. I spoke with XXXX and the disputes manager and she left me know that I had been overcharged due to their systems error. She assured me that my account will be corrected within 48hrs, but it has now been two weeks and even though I've called at least 4 times they keep telling me the same thing and reporting false information the the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted a complaint to Alabama XXXX XXXX  as well. They have not responded because they do not have any information as I stated to Equifax and CFPB. They stated that they do to have a recorded of this case nor did they provide Equifax with this information. So, I would like Equifax to provide me with proof that Alabama XXXX XXXX  provided them with this inaccurate information. This is not my account nor is it accurate information. How do I get this matter rectified when Alabama Dept of Human Resource stated that they did not furnish this inaccurate information.

Company response to consumer: Closed with explanation