vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
When working with the company. I incurred an overdraft fee. After calling them and asking them to disable the overdraft protection on the account, they told me that even with the overdraft protection disabled, they would still charge a fee for each transaction that was returned ( confusing terminology meaning that the transaction was denied according to them ) due to insufficient funds. 

What is the point of disabling overdrafts if you are still getting charged. There is no cost to denying a transaction and no money loaned on their part. This seems like a predatory way to gouge people with fees.

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 2020-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: DHI Mortgage Company
State: AL

Complaint narrative:
We started our VA loan mortgage with DHI Mortgage due to buying a home through DR Horton and in order to get " incentives '' offered by the builder ( i.e. money towards closing costs, home upgrades, etc. ). We have had nothing but problems with both DR Horton and their mortgage company DHI Mortgage ( who originated our loan under the guise of " you have to use DHI Mortgage to get all these wonderful incentives '' ) since buying our home in XXXX last year. We received a notice from the mortgage company that bought out our loan from DHI, stating that our escrow account was UNDER FUNDED the entire first year of us living here and because of that, our house payment would be increasing by {$320.00} a month!!! That is outrageous!! After calling around and doing the research, it came to light that the " escrowed property costs over year 1 '' on our original loan paperwork and the amount on the property tax assessment record they provided at closing were 2 different amounts. When I called the XXXX County property tax office they told me that our mortgage originator and our closing attorneys were legally responsible for making sure our escrow account had enough to cover those property taxes since an escrow account is the account your mortgage company uses to pay your property taxes and homeowner 's insurance. I tried to call every number I had, or could find online, for DHI Mortgage, all of which are a " number that is not in service ''. I called the closing attorney, and they told me the same thing the property tax office did. The closing attorney wrote us a check for the prorated tax amount we never received from the builder. They also told us that we should not have been able to close because the amounts did not match. After still not being able to reach DHI Mortgage, we decided to drive up there on our lunch break today, XX/XX/20, and speak to someone face to face. We spoke with XXXX XXXX, and he openly admitted that DHI Mortgage was instructed by DR Horton, quite a few years ago, to base all loan paperwork 's " escrowed property costs '' on a class 3 homestead property exemption which is literally HALF of what it is supposed to be when buying from a home builder. If a property is still under the ownership of a home builder, it is LEGALLY required to be taxed based on a class 2 non-exempt property. Meaning that EVERYONE that has bought from DR Horton was supposed to have a significant house payment DECREASE after year 1.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Trying to refinance primary mortgage. We have requested demands on at least seven different occasions and the servicing company will not send a demand therefore I can not refinance to a lower interest rate I am near my the end of my rate lock. I need assistance getting the demand from the servicer, I have tried elevated requests to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: MA

Complaint narrative:
I became aware of a CashNet USA loan that was taken out using my personal information. I have been the victim of identity theft and am currently dealing with several different occurrences. I attempted to resolve this fraudulent account directly with CashNet USA and have spoken with them several times by phone and email since last week, and they have determined the account to be legitimate and have stated that I do owe the debt. I have independently spoken with XXXX regarding the account where the payday loan was deposited, and they have confirmed that I have no ties to that account. I have filed a police report in regards to this as well. The payday loan application used a fake phone number and email address, as well as a false employer. There is ample evidence confirming that I am not responsible for opening this account, and I wish for CashNet USA to cease collections and mail me a confirmation that they will close this account as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Law Office of Edwin B. Parry
State: UT

Complaint narrative:
I had a payment plan worked out with the debt collector, the Law Offices of Edwin Perry. I was to pay {$75.00} a month for 10 months beginning XX/XX/XXXX. When I set up the arrangement I let the person who called know that my husband is in XXXX  and at the time we had not yet been approved for SSI, so we did not have any income coming in because I couldnt find work due to Covid and we were waiting for our tax returns. He called today to let me know I missed my payment date and I told him I hadnt received my taxes yet but my husbands SSI check would be here on the XXXX XXXX so if we could change the payment date to the XXXX I could make that payment. He told me since the payment was missed he couldnt change the date and they would now have to proceed with legal means. I think its absurd they are not willing to work with people, especially during the pandemic. I didnt refuse to pay, I just simply told them the day I would be able to pay

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/chargeoff, as well as that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit. ) These student loans have been consolidated. The bureaus initially corrected the balances to report {$0.00} however, they are still reporting the accounts as late and as a collection/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and all of these line items need to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have an account with American Express that I fell behind on payments due to a financial hardship. The account is now closed and sent to a third party collection agency. I have tried resolving the balance by contacting American Express and they have told me that the account is no longer with them and will not accept my settlement. However, they are still reporting to the credit bureaus that my account is delinquent every month even though they no longer have the account for me to pay. The Fair Credit Reporting Act states that credit companies can not ding my account every month for a charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/chargeoff, as well as that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit. ) These student loans have been consolidated. The bureaus initially corrected the balances to report {$0.00} however, they are still reporting the accounts as late and as a collection/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and all of these line items need to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/chargeoff, as well as that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit. ) These student loans have been consolidated. The bureaus initially corrected the balances to report {$0.00} however, they are still reporting the accounts as late and as a collection/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and all of these line items need to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 



PENTAGON FEDERAL CR UN ( ADDRESS : XXXX XXXX XXXX XXXX, VA ) : Allege Amount Owed {$1200.00} I have No knowledge of this accounts.

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 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax ; XXXX  and XXXX  are incorrectly reporting that I am ( 120-180 ) days late on the USD/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove theis however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  ; XXXX  and Transunion are incorrectly reporting that I am ( 120-180 ) days late on the USD/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove theis however, I have not been successful.

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 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX  ; Experian and XXXX  are incorrectly reporting that I am ( 120-180 ) days late on the USD/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove theis however, I have not been successful.

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 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AK

Complaint narrative:
Loan Care from XXXX  XXXX, Virginia made continuous robot call every other day regarding a call backs and late payments. It was extremely difficult to get contact with real live individual for two reasons : Their time zone is four hours ahead of us and extremely long waiting period up to 2 hours or more before making contact to any live individual. we believe this waiting period is purely ridicules Robot call also always request our last four digit SSN which shouldn't have to be done more than once. 

Payments was always on time, but Loan Care collector stated it was either late or insufficient funds in our account. They continuous to charge us late fees and insufficient fund fees. Evidence shows the funds are always available in our banking account. we also have evidence the payment was on time, but it took them a long time to process the payments. I have evidence that I attempt to make payment three different times on the month of XXXX, XXXX. So far I haven't seen any evidence they have process any one of the payment I sent.

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 2020-06-26 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: CO

Complaint narrative:
Equifax and XXXX are incorrectly reporting that I am ( 120 ) days  late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item RENTDEBT AUTOMATED COLLECTION ( XXXX XXXX XXXX XXXX, TN XXXX ) Allege Amount Owed {$3600.00} I have No knowledge of this accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item FRANKLIN COLLECTION SERVICE ( ADDRESS : XXXX XXXX XXXX XXXX XXXX MS XXXX ) Allege Amount Owed {$270.00} I have No knowledge of this accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: CO

Complaint narrative:
XXXX  and Transunion are incorrectly reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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