vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
EQUIFAX, XXXX ARE REPORTING INACCURATE PERSONAL INFORMATION ABOUT MY SELF. I HAVE SENT THEM CERTIFIED LETTER INCLUDING MY ADDRESS CORRECTED DOB AND WITH UTILITY BILL INCLUDED. THEY HAVE NOT YET RESPONDED TO MY REQUEST TO REMOVE ALL INACCURATE INFORMATION OFF MY CREDIT REPORT LIKE MISSPELLINGS IN MY NAME, MULTIPLE SSN VARIABLES. EQUIFAX HAS MY DOB AS XX/XX/XXXX I WAS IN FACT BORN ON XX/XX/XXXX AS A RESULT THEIR ARE MULTIPLE ADDRESS AND EMPLOYMENT RECORDS STATED ON THE CREDIT REPORTS THAT IS SEVERLY HURTING MY CREDIT SCORE AND COMPLETELY DESROYING MY IDENTITY. 
ONLY INFORMATION THAT SHOULD BE ON MY REPORT SHOULD BE THE FOLLOWING. EVERY OTHER THAN WHAT IS TYPE AND PUT INT0 THIS SECTION SHOULD BE APPEARING ON MY CREDIT REPORT. 

1. My Name : This is my legal name : [ XXXX ] [ XXXX ] Please delete any other references to names as they are not mine and I have never used any of them. 

2. My Address : Also, please be sure that my address is listed correctly. My address should read : [ XXXX XXXX XXXX  XXXX ] [ XXXX XXXX, New Jersey XXXX ] Please delete any other references to ADDRESSES as they are not mine and I have never used any of them. 
3. My Date of Birth : XXXX XX/XX/XXXX ] AS STATED ON COPY OF DRIVERS LICENSE ENCLOSED WITH LETTER. Please delete any other references to my DATE OF BIRTH as they are not mine and I have never used any of them. 
4. MY EMPLOYMEN HISTORY : [ I HAVE NO EMPLOYMENT HISTORY ] Please delete any other references to EMPLOYMENT as they are not mine and I have never used any of them 5. SSN VARIATION [ XXXX ] Please delete any other references to my SSN as they are not mine and I have never used any of them 6. PHONE NUMBERS- [ XXXX ] Please delete any other references to PHONE NUMBERS as they are not mine and I have never used any of them 7. EMAIL- [ NONE ] Please delete any other references to EMAILS as they are not mine and I have never used any of them. 
Please send me a new report when you are completed so I may continue to verify its ' accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: WI

Complaint narrative:
Tried to dispute fraudulent inquiries on my file with Equifax & XXXX wrote letters several times even tried calling the dispute department for both Equifax and XXXX, even claiming the inquiries are fraudulent they still both denied me to dispute them, both bureaus told to call each collectors, the collectors doesnt have contact information on most of the items, and even stated my FCRA rights to the bureaus they both just put me ON HOLD FOR SO LONG TILL I Decided to hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: IL

Complaint narrative:
Afni, inc. collection showed up on my credit report on XXXX  without sending any correspondence related to the debt or my right to dispute the debt. This collection should be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I have been on the IBR ( Income Sensitive Repayment program ) for approx 10 years. I live in a rural area. Beginning in XXXX, I started the reestablishment of that process that I have done many times. I ran off the application on studentloans.gov, filled it out and mailed it to XXXX XXXX, PA. I also signed a document of my monthly income and included it with the mailing. Approx one month later I received an email stating that my payment options had changed and I was  late on a payment. I called Navient to find out why and no one could tell me. All they could do was consolidate my loans. I did that many years ago! I forgot to state that I also gave them access to my income tax statement. I have talked to probably 6 different people and no one has explained why they are trying to put me in default. I also filled out the application online for IBR and answered their questions and it stated that I would qualify for no payment because of my lack of income, but, no one could tell me why they are not accepting any of my applications or proof of income. They keep saying I'm late on a payment and calling almost every hour!! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX have been trying to pull my Equifax credit report for over a week now starting on XX/XX/2019 an I have been calling them for over a week and we can not get this problem resolved please help me. They keep telling me there is nothing wrong with my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have a mortgage on a home in NY. I am selling the home and have requested the original mortgage abstract / title search from the mortgage holder. I contact Loan Care at XXXX on Tuesday the XXXX of XXXX  and was told I would receive the requested documents via email within 5 to 7 days. I called back on XX/XX/XXXX and was told that they meant 5 to 7 working days. I have called back today, XX/XX/XXXX and am now being told I must send in request in writing. Seems like a scam these companies play to force sellers / buyers to continuously have title searches done back the beginning of time.

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 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Bate and Switch Tactic was used. 

I was told a rate and price up front with all needed information- rate lock and pricing sheet signed. 

I gave an accurate value of my home and appraisal supported. 

I am now being told that because my home is above 60 % LTV that the cost goes drastically higher. Based on the loan balance and value stated- it was always going to be above the 60 % threshold. 

I feel like the initial banker used inaccurate info to process the original estimate knowing that they could not fulfill but locking me in and making me come out of pocket for the appraisal fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: OH

Complaint narrative:
Great Lakes put my account into a repayment status despite the fact that I have a pending borrower defense claim ( XX/XX/2016 ) and in violation of FSA policies. When I contacted Great Lakes about this they gave me false and misleading information telling me that I had to enter a repayment plan of some kind. And that was my only choice and my best interest. This is not the case. Because I have a pending borrower defense application I should not have been made to make payments on a fraudulent student loan that is under dispute. I paid for months under the plan they forced me into when my account was supposed to be on hold and protected through Defense to Repayment case. The last call was with XXXX at Great Lakes employee ID XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Since the Equifax security breach I have been trying to stop them from collecting my data. 
I do not trust them any longer, as they have shown to be terrible custodians of my information. The best they seem to be able to do is to put a credit freeze on my report. This does not stop them from collecting my data. How can I stop them from collecting any more data on me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: NJ

Complaint narrative:
XXXX, EXPERIAN ARE REPORTING INACCURATE PERSONAL INFORMATION ABOUT MY SELF. I HAVE SENT THEM CERTIFIED LETTER INCLUDING MY ADDRESS CORRECTED DOB AND WITH UTILITY BILL INCLUDED. THEY HAVE NOT YET RESPONDED TO MY REQUEST TO REMOVE ALL INACCURATE INFORMATION OFF MY CREDIT REPORT LIKE MISSPELLINGS IN MY NAME, MULTIPLE SSN VARIABLES. XXXX HAS MY DOB AS XX/XX/XXXX I WAS IN FACT BORN ON XX/XX/XXXX AS A RESULT THEIR ARE MULTIPLE ADDRESS AND EMPLOYMENT RECORDS STATED ON THE CREDIT REPORTS THAT IS SEVERLY HURTING MY CREDIT SCORE AND COMPLETELY DESROYING MY IDENTITY. 
ONLY INFORMATION THAT SHOULD BE ON MY REPORT SHOULD BE THE FOLLOWING. EVERY OTHER THAN WHAT IS TYPE AND PUT INT0 THIS SECTION SHOULD BE APPEARING ON MY CREDIT REPORT. 

1. My Name : This is my legal name : [ XXXX ] [ XXXX ] Please delete any other references to names as they are not mine and I have never used any of them. 

2. My Address : Also, please be sure that my address is listed correctly. My address should read : [ XXXX XXXX XXXX  XXXX ] [ XXXX XXXX, New Jersey XXXX ] Please delete any other references to ADDRESSES as they are not mine and I have never used any of them. 
3. My Date of Birth : [ XX/XX/XXXX ] AS STATED ON COPY OF DRIVERS LICENSE ENCLOSED WITH LETTER. Please delete any other references to my DATE OF BIRTH as they are not mine and I have never used any of them. 
4. MY EMPLOYMEN HISTORY : [ I HAVE NO EMPLOYMENT HISTORY ] Please delete any other references to EMPLOYMENT as they are not mine and I have never used any of them 5. SSN VARIATION [ XXXX ] Please delete any other references to my SSN as they are not mine and I have never used any of them 6. PHONE NUMBERS- [ XXXX ] Please delete any other references to PHONE NUMBERS as they are not mine and I have never used any of them 7. EMAIL- [ NONE ] Please delete any other references to EMAILS as they are not mine and I have never used any of them. 
Please send me a new report when you are completed so I may continue to verify its ' accuracy.

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 2019-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
Ally Financial Contacted me at my place of employment about a debt owed XX/XX/2019 early afternoon. I advised agent that they were contacting me at a place of business and requested the company not contact me at work. Agent advised would remove this method of contact at my employer and would call me on my personal number. 

XX/XX/2019, Ally Financial contacted me again at my place of employment. I advised I had requested this method of contact to be removed and repeated that this was a place of business and to please remove my employer number as a method of contact.

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 2019-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: IA

Complaint narrative:
My mortgage company claims I had 2 late payments made to them on different occasions. Payments were made on time and I can prove it. the First late payment they gave me was in XXXX of 2018 because they apparently do not accept partial payments. however, I made partial payments in XXXX which they accepted. I had paid {$300.00} on XXXX and {$560.00} on XXXX. That one seemed to be fine. Then I did partial payment of {$380.00} on XXXX and {$500.00} on XXXX. The payments in XXXX, cleared my bank, then Home Point Financial refunded the payments to me ( in 2 separate payments like i had to them, but by the time I got the refunded money, the mortgage payment was already marked as late. When I called the person explained to me when I did this in XXXX they accepted it and said a letter was sent out, but after looking further admitted that the letter was generated automatically, but was actually NOT sent out. So I had way of knowing this was not acceptable to make partial payments, which in my mind they had already accepted. 

The next late payment was in XXXX of 2018 as well. I made the payment on time, but noticed my credit score dropped because I was marked as late. I immediately called them, as they payments was set up through my bank, and had cleared. Come to find out, Home Point financial again admitted to failing to send me mail about them changing their name ( to the same name ) but different address. The person said they would fix my account, and they sent me a refund check for the amount they cash and I needed to resend it to the new address, but that because of the circumstance i wold not be marked late. i received the refund on XXXX, put it in my bank and set up the new payment for the earliest date possible and it went out on XXXX to the new company for {$880.00} Between these 2 occasions my credit score dropped over 100 points, and both times are because of Home Point Financial not sending me mail notifications, and admitted to it both times. I disputed through credit bureau but they did nothing, they did not investigate, they just saw that payments were late. I have improved my credit a lot over the last 3-4 years and this has destroyed it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I have had this loan since XX/XX/2018. I attempted to update my bank account for over a month ( on hold for over an hour without reaching a representative on every occasion and unable to update online ). My loan payment was taken from the old bank account even after I managed to get my account updated ( after multiple emails back and forth with customer service ). They updated the bank account, but told me I had to call customer service to update the pay schedule ( I had changed to bi-weekly instead of twice per month ). I attempted numerous times unsuccessfully to reach customer service to update this information. I emailed again with no response. I just wanted to correct bank account to be updated on the correct date. Even just the correct account would have worked. MoneyLion then reported a late payment to all credit bureaus, dropping my mortgage score nearly 100 points. I am in the process of obtaining a home loan, and now no longer qualify. I have sent numerous emails and no one will address the mistaken late payment notation. I need it removed, as it was an error on the part of MoneyLion. I have paid the remainder of my loan and will close all accounts I have with MoneyLion. I  just need the late payment removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This company claims that I have received written correspondence regarding this debt before it was reported to the CRA. I have never received any written correspondence but I have received a threatening phone call from this collection agency. This is a violation of the FCRA for not sending written notification regarding debt and should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: LA

Complaint narrative:
After noticing Midland Funding LLC was on my credit reports I immediately sent a debt validation letter to them as they have no valid account with me. They do not own this account and I am not sure why they have my information. After two months have past of sending a debt validation letter that was certified, I have not received any correspondence from them. Midland does not have any valid information nor have they communicated anything to me after properly sending a correct communication. This is illegal and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: OH

Complaint narrative:
In applying for a new XXXX XXXX credit card, Equifax credit report informed me of {$11000.00} outstanding balance from a XXXX  XXXX XXXX credit card that I never opened. The card is >120 days past due. This has decimated my credit. I never did any business with XXXX XXXX XXXX, ever. I never opened a bank account, debit card, or credit card with them. I don't even know where they are located and never been to any XXXX  XXXX XXXX location. My banking in the last couple years has been with XXXX, XXXX, XXXX online, and now XXXX. Equifax has reported this as fraud and advised me to file an FTC complaint. I received a letter from XXXX XXXX XXXX a couple months ago about an outstanding account and called them to dispute. Once I got to a reputable person, they said they had no accounts with my information and I agreed I never did business with them. I never received another letter. Something is very wrong, this is fraud of some kind. The last 4 digits of the false XXXX account is XXXX per Equifax. My Equifax Confirmation # is : XXXX -XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Synovus Bank
State: TX

Complaint narrative:
I am a XXXX XXXX permanently XXXX Veteran, living on a fixed income. After completing my service time in XX/XX/XXXX, I have had to have numerous XXXX that have deemed me unable to work. I have had this item that shows as First Progress with a balance reporting of {$190.00} charged off, on my credit report. First Progress is a secured account, that I sent the company {$300.00}. In XXXX of XXXX- I reached out to all and any creditors and made them of an upcoming XXXX   on my XXXX, due to a XXXX  injury in XXXX . I am quite positive that all credit accounts also included the fee of " XXXX insurance ''. However, when the time came- no one knew anything about anything to help me in a situation that I became XXXX from serving our country. I call the number and no one can explain how I owe {$190.00} of my own {$300.00}. The company is actually still mailing me statements showing a credit of {$1.00} on the account. I got nothing telling me a charge off was being placed and the company will not verify anything for me, nor allow me to resolve the issue. I only want to validate a debt and try to find a way to settle it, so that my credit is not tarnished. I was unable to pay anything, waiting for my SS XXXX to kick in but this account would have been paid through collateral of my own funds, as it was a secured account. I dispute through the credit bureau and get nothing. I call and am told nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: WI

Complaint narrative:
I monitor my credit score using free online services. These services showed that one of my credit card companies had reported an incorrect balance for the month of XXXX. It should have been XXXX. This caused my credit score to go down 5 points. I filed a dispute with each of the credit monitoring companies : XXXX, XXXX and XXXX. XXXX fixed the problem, but after a month of waiting for XXXX  to correct the error, their results showed a different incorrect amount instead of XXXX. They told me that's what the credit card company had given them. I always pay in full each month. And when I requested that the credit card company send me a statement for XXXX, they emailed back saying that there was no statement for that month because there was no activity and a balance of XXXX. Added note : The card in question is in my husband 's name with me as an authorized user.

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