vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have received multiple calls on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 at my employers from the number I've identified, the company is CMRE Financial Services. According to the Fair DEBT Collection Practices Act it is illegal to attempt to contact me through my employer. Along with these calls there is a recorded robo message that clearly indicates they are attempting to collect a debt from someone with my name and the robo message can be heard by any person who answers the phone, therefore this immensely puts my employment at risk and is defamation of my character and name and breaks the law in relaying private information.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
after reviewing my credit report with Experian, there are 14 Inquiries showing on my credit report. I only recognize 3 Inquiries that I actually gave consent to pull my report and that's XXXX XXXX on XX/XX/2019 XXXX  on XXXX XXXX, and XXXX on XX/XX/2019 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 2019-07-26 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: NV

Complaint narrative:
XXXX XXXX XXXX Hospital is reporting incorrectly to Experian a collection in the amount of {$910.00} on the XXXX XXXX XXXX HOSPITAL partial account number XXXX. ( Please see page 22 of the attached credit report. ) I never gave the animal hospital permission to exceed a certain dollar amount to provide comfort care for my very sick animal. The animal hospital took it upon themselves to perform heroic measures that unfortunately did not help, and my animal passed away. I did not authorize the extended medical treatment. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted from 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 2019-07-26 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: TX

Complaint narrative:
I XXXX divorced XXXX XXXX  in XX/XX/2017 we had a joint account at XXXX XXXX, Which was closed for non payment from my husband, not paying it was my wedding ring,. So in our divorce my ex wanted the bill to be all his to the judge signed to him even though it was closed, I am XXXX and could pay it anyways and the judge says I shouldnt have to. So I am having problems with experia and XXXX now transition took it off right away no problem. I need your help.

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: 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: NY

Complaint narrative:
I just received a denial letter from XXXX XXXX. I called to discuss the reason for denial with the bank. I was told there are 2 negative items on my XXXX credit report that determined there decision. The first item is XXXX XXXX XXXX XXXX. I have disputed this with XXXX and transunion and it has since been rectified and deleted however XXXX is still reporting it. I have stated many times I had multiple loans with XXXX that were all paid in full. They were combined loans and it has been satisfied. This has been an ongoing issue over 2 years now. The next item was XXXX XXXX XXXX that as well has been deleted and removed off XXXX but is showing on XXXX. There were numerous fraudulent charges on that credit card. I have reported it to police over 4 years ago. I tried contacting XXXX by phone to discuss this and dispute it again but I cant speak to a live person.

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: 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: NY

Complaint narrative:
I just received a denial letter from XXXX XXXX. I called to discuss the reason for denial with the bank. I was told there are 2 negative items on my XXXX credit report that determined there decision. The first item is XXXX XXXX XXXX XXXX. I have disputed this with equifax and XXXX  and it has since been rectified and deleted however XXXX is still reporting it. I have stated many times I had multiple loans with teachers that were all paid in full. They were combined loans and it has been satisfied. This has been an ongoing issue over 2 years now. The next item was XXXX XXXX XXXX that as well has been deleted and removed off equifax but is showing on XXXX. There were numerous fraudulent charges on that credit card. I have reported it to police over 4 years ago. I tried contacting XXXX by phone to discuss this and dispute it again but I cant speak to a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
LoanCare LN XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX XXXX XXXX Short Sale was started with XXXX on XX/XX/XXXX. It was service released to LoanCare XX/XX/XXXX. XXXX forwarded the ENTIRE package to LoanCare upon the service release. 

We emailed our authorization to LoanCare, per their request on XX/XX/XXXX. Today, they are still refusing to acknowledge our authorization. Additionally, they have done NOTHING on the file since receiving it from XXXX. -- -- -THEY HAVE HAD THE PACKAGE FOR ALMOST 30 DAYS AND HAVE DONE NOTHING!! -- -- There is no SPOC assigned. They are refusing to escalate this, management is refusing to speak to us, and we can not get a return phone call with a status on this. 


Aside from gross violation of their servicing guidelines, this is a VA BORROWER. Apparently LoanCare doesnt care about our military personnel. LoanCare doesnt care it is in violation of Federal and State Laws. LoanCare doesnt care it is in violation of their Servicing Guidelines. LoanCare doesnt care about CFPB guidelines.

******we are having issues on EVERY SINGLE ONE OF OUR LOANCARE FILES. LOANCARE has neither the knowledge, nor capacity, nor the personnel to service the files for which they are being paid servicing fees. This needs to STOP IMMEDIATELY. 

I want this file opened immediately as a short sale. I want a SPOC and negotiator assigned. I want the documents submitted to be worked on. 


CC : 1. OAG 2. XXXX XXXX 3. OCC

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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I have made all my payments on time and above the minimum payment every time. However, some of the payments I have made have not been applied to my account for months now. On the other hand, there are some withdrawals from my bank account by AMEX that I did not process and they are not applied to my account either. A dispute has been opened for one of the {$40.00} payments for over a month now. A new investigation has been opened for the others, but no explanation as to why or how were the payments process/withdrawn from the bank account without our request. 

The payments are made using my mother 's bank account as she is my account. 

XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$100.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$70.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$50.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$40.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$36.00} XX/XX/2019 AMERICAN EXPRESS ACH PMT XXXX WEB ID : XXXX - {$40.00} Total taken from my account and not applied : {$330.00}

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: NV

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Hi, I pass a lot of days, months a year ... more than a year fighting for my house ... My roof ... I pass about maybe five processors in trying my loan modification since XXXX XXXX. Then XXXX I start a modification because my income has changed ... already I received XXXX XXXX XXXX to work. But this people started with a processor that one resign to the bank and then other that I always send email making following and calls over and over and another one and another like ghost but they dont stop the foreclosure. This is so hard for me because at same time this bank make me more sick than ever ... I understand that I can paid my house YES. But all the time FIRST BANK OF PUERTO RICO says they want the house ... yes I got another house that was currently payment. But this house in XXXX XXXX is the first one. Please a need HELP FROM YOU BECAUSE THIS IS THE WORST THING I EVER LIFE AS SAME MAKE ME SICK ... ( losing weight about 40 pounds to many things, If you need the information from doctor sure be able to should you )

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: 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: WA

Complaint narrative:
Equifax is reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) These accounts report a {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} past due balance. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A QUICKPAY FOR RENT WAS MADE THROUGH CHASE BANK ON XX/XX/2019 TO ANOTHER CHASE ACCOUNT. THE RECIPIENT RECEIVED AN EMAIL FROM CHASE BANK CONFIRMING HE HAD RECEIVED THE AMOUNT OF {$1100.00} ON THIS DAY AT EMAIL ADDRESS XXXX. 3 DAYS PASSED AND NO MONEY WAS DEPOSITED INTO HIS ACCOUNT, ALTHOUGH IT WAS WITHDRAWN FROM MY ACCOUNT. WENT TO THIS CHASE BRANCH IN XXXX XXXX, IL AND MANAGER INFORMED US AT FIRST THAT EMAIL WAS TEH SAME BUT HAD GONE TO A DIFFERENT ACCOUNT NUMBER THAT DID NOT MATCH THE RECIPIENTS. THIS IS A MAJOR SECURITY BREACH. THEY WERE UNABLE TO CANCEL THE PAYMENT AS THEY COULD NOT TRACE/TRACK THE PAYMENT. HOW DOES A REPUTABLE BANK LOSE MONEY AND IS UNABLE TO TRACK AND SECURE PAYMENT AND CLIENT INFORMATION. A CLAIM WAS OPENED ON XX/XX/2019 AND I WAS INFORMED I WOULD RECEIVE A REFUND FOR THE XXXX WITHIN 12 HOURS. REFUND WAS NOT RECEIVED UNTIL ONE WEEK AFTER, 7 DAYS AFTER. TODAY, ON XX/XX/2019 A WITHDRAWAL FROM MY ACCOUNT WAS DONE FOR THE SAME AMOUNT WITH A NOTE OF CLAIM REVERSAL. WENT TO THE SAME BRANCH AND WAS INFORMED BY THE CSR THERE THAT THEY WERE UNABLE TO TRACK THE MONEY SO CLAIM WAS CLOSED AND UNFOUNDED AND THAT MONEY WAS NOT SECURED SO IT WAS WITHDRAWN FROM MY ACCOUNT SINCE THE BANK COULD NOT FIND THE MONEY. THIS NEEDS TO BE RESOLVED. IT CLAMS TO BE AN FDIC INSURED BANK AND CAN NOT RESOLVE OR SECURE CLIENT INFORMATION. THIS IS A MAJOR SECURITY BREACH AND WILL FORWARD TO THE MEDIA AND ALL OUTLETS NECESSARY TO RESOLVE AND BRING ATTENTION TO THIS MATTER. WHETHER IT IS XXXX DOLLAR OR XXXX XXXX, IT IS MY HARDWORKING MONEY THAT CHASE LOST DUE TO A BREACH AS THEY SAY AND WILL NOT RETURN.

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: 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: WA

Complaint narrative:
Equifax is reporting incorrectly a collection of ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account with a {$0.00} past due balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The company says I owe them {$760.00}, when I had no knowledge of the amount, I opened this account Right after my incarceration someone stole my wallet and personal information and when I was released I found out, never heard nothing back, this been on my background far to long please let me know and help me with this matter thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
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: AES/PHEAA
State: MO

Complaint narrative:
XX/XX/XXXX : I emailed customer service asking if there was an upload function for submitting IBR documents, which were due by XX/XX/XXXX. 

XX/XX/XXXX : Customer service representative XXXX replied, instructing me to reply to the email with attached documents. 

XX/XX/XXXX : I did as I was instructed in order to have my documents submitted and processed well before the deadline. 

XX/XX/XXXX : I was charged standard repayment amount, which was autodrafted. 
Interest was also recapitalized, adding {$13000.00} to my total. 

XX/XX/XXXX : Called customer service and spoke with XXXX. I explained that documents had been sent in XXXX as instructed by a representative of AES. XXXX instructed me to re-send the documents to XXXX as before. 

XX/XX/XXXX : Sent all necessary documents again to the email address given. 

XX/XX/XXXX : Called customer service to confirm receipt of email, spoke with representative XXXX. I was told email attachments were unsuitable and that I should mail everything in. Representative apologized for the misinformation I was given on multiple occasions and suggested that I request in writing expedited processing and a correction of the payments and recapitalization. 

XX/XX/XXXX : I mailed hard copies of all necessary paperwork to the address provided, along with a hand written copy of this timeline, copies also attached. Requested expedited processing of paperwork, as well as correction of my XX/XX/XXXX and subsequent payment and a reversal of capitalized interest. Never received any acknowledgment of request. 

XX/XX/XXXX : Called customer service again and asked for escalation. Spoke with XXXX, who expressed his confidence that the capitalization would be reversed. He asked for 4 weeks to investigate and find a solution. 

XX/XX/XXXX : After leaving a couple follow-up voicemails, XXXX called and informed me that my case had been rejected. He kindly commiserated with me, but told me the only thing left to do was write an appeal.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There was a collection on my account from XXXX XXXX XXXX for an account with XXXX XXXX XXXX XXXXXXXX XXXX. This collection did not show up on my account until I submitted a request for a home loan through XXXX XXXX. This collections account was recently taken off my profile for it not being me. I spoke with the apartment complex and the collections agency who both confirmed that the SSN, DL ID or complete name ( including middle name ), did not match me. I received a release letter from the collections agency that I sent to both Experian and XXXX who showed this collections against my credit profile. 

However, because I was in the process of buying house, this has caused my credit to go from XXXX to in the 640s. After the credit was fixed, the loan rates had gone up and now I will be paying a higher interest rate. This collections account should have never been on my account and neither XXXX nor Experian can tell me why this was on my credit profile. This is gross negligence and I plan on pursuing legal action.

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: 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: TN

Complaint narrative:
My credit scores have been affected by a past credit card account that was opened years back without my knowing until recently viewing my full 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 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Requested mortgage assistance with my current Mortgage company several times. 
we received decision of request for mortgage assistance stating we were denied for several credit reasons and loan was modified once in the last 12 months or 3 times over the life of the loan set fourth by the owner of the loan. Their mortgage servicing records are incorrect, we have not received mortgage assistance with the last 12 months nor has the loan been modified 3 times. We have requested from Ocwen/PHH the note, deed and transaction history on our mortgage. We don't want to lose our home Ocwen is very difficult to work with and is unwilling to assist us. 

Please Help

Company response to consumer: Closed with explanation