vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-21 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: CA

Complaint narrative:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Those dates are : 1. XX/XX/2017

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 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My XXXX XXXX Credit card account has late payments reported that should not be there. I contacted them and they waived the late fees but didn't correct the lates which should have never been reported on my account XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My XXXX XXXX Credit card account has late payments reported that should not be there. I contacted them and they waived the late fees but didn't correct the lates which should have never been reported on my account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
This should be a very simple request but, it has been a complete nightmare. I am in the final stages of closing on a refinance loan with another loan company. I have a HUD government loan that will be forgive providing, I have not been late on the loan. 

XX/XX/2018, I requested my payment history from Ditech. Ditech has sent the printout for my payments from XXXX to present in-which, I have NOT been late. 

Here in lies the problem ... .There is a UAF / Susp field on the printout. The HUD loan processor denied the loan, thinking they are late charges. I asked Ditech to send a Verification Mortgage Letter that clearly shows that there are NOT, and has not been any late charges. The HUD loan processor needs a letter to state just that and will not except a conference call ONLY a DOCUMENTED LETTER. 

Ditech tells me we CAN NOT!! send a letter like that explaining the UAF / Susp field. We can only send the mortgage verification letter. I don't know why a letter can not and will not be created to explain that this UAF /Susp field has nothing to do with my account!!! 

I am suppose to close in 3 weeks and have been struggling to get a letter. I have called and written to corporate and still NOTHING!! I just need the letter to state I have never been late and the UAF / Susp has nothing to do with me. No one will create this letter. What company can not create a letter to explain the field. I am beyond despondent!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
My loan was transferred for servicing and one payment was put in the back end of my loan. 

Then my payment increased in the amount escrow shortage per Sps rep {$1300.00} which I know is the payment was promise in writing to be put on the back of my loan. 

The payment increase from {$870.00} {$910.00} then {$970.00}. 

I informed SPS XXXX2019 of the trigger I can not afford to pay and dont want to loose my property and need to make my mortgage payment without a late fee effective XXXX2019 I was told the increase was for taxes and insurance. I know my insurance has not increase and my taxes may have increase. But that adjustment was done the prior month of why my mtg payment increase after the transfer of servicing rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: RI

Complaint narrative:
Two years ago I responded to an offer from the Lending Club and I took a debt consolidation loan with them. The payments were {$950.00} and at the time it seemed like a good way to quickly pay off debt. Unfortunately my wife became XXXX and could not work. She applied for Social Security XXXX but that takes years to get. Nevertheless, I kept up the payments. Last summer it was becoming very difficult to make the payments and pay for health care and care for our son. 

I contacted the company and explained this to them and asked if they could reamortize my loan and that I would repay the entire amount once my wife 's XXXX award came in. They refused saying that is not something they do. I continued making the payments until I could no longer do so. The outstanding balance at that time was around {$10000.00}. They have sent my loan to collections, after one month, and when I spoke with them, their response was the same " too bad for you '' that I got from the Lending Club. 

I can not comprehend why, given the circumstances, they would not reamortize the loan. Many lenders actually forgive significant portions if not entire loans when XXXX strikes and all I sought was a reamortization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX Those dates are : 1. XXXX/XXXX/2017

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 2019-02-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all XXXX credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX Those dates are : XXXX. XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: CA

Complaint narrative:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX Those dates are : 1. XX/XX/2017

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 2019-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
The Company PHOENIX FINANCIAL SERVICE has been calling my job and my personal cell phone repeatedly. I have advised them NUMEROUS of times that the medical bills that they are saying that I owed was already PAID for by my MEDICAID ( even provided my Medicaid ID number ). I also have evidence from the three Credit Bureaus that this was paid and already taken from off of my credit reports. Its for {$1200.00} and {$34.00}. I have sent letters repeatedly showing them that it was taken care of and paid for by Medicaid. Today I got a notice that they added this back to my Credit which made my score dropped nearly 100 points. They are stating that they are also Lawyers and laughing when I am telling them that I have proof this is paid for. I work for a XXXX XXXX and would like to take legal action if this is not removed from report and that they also need to stop calling me a harassing me. I am at work right now, but I will upload and send in all proof that this was taken care of no later than tomorrow. 

This is the Companies Information PHOENIX FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX, IN. XXXX ( XXXX ) XXXX 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 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: VA

Complaint narrative:
XXXX XXXX has been difficult to work with from the beginning. My girlfriend was the primary person on the application and she tried returning the product less than 5 days of having it. She called the salesmen and the company in XXXX and they told her too bad she had to keep the product even though the loan was " secured ''. My girl friend left her job because they were calling multiple times per day and her manager was mad that she was receiving personal calls at work. They threatened to garnish her wages and told her that they would make her pay either way. They have not updated any information on my XXXX report since XX/XX/XXXX. I pulled a report from XXXX on XX/XX/XXXX it showed a balance of XXXX in XX/XX/XXXX. However, on the XXXX report pulled XX/XX/XXXX they show a balance of XXXX. XX/XX/XXXX I had a XXXX  report pulled and it shows the reporting XXXX dollars from XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX had court case was finalized against my girl friend for this account in the amount of XXXX but on my report XXXX dollars. We have received no more letters or correspondence since then. My XXXX XXXX report is showing this account currently listed as Castle credit and has not been unpdated since XX/XX/XXXX. My XXXX XXXX  report is listed as XXXX XXXX. I have disputed this information because this account because no similar accounts even show up on my XXXX account. My girl friend is showing the Castle Credit on her XXXX and XXXX XXXX on XXXX but not on XXXX.. Per my bank it is illegal for both accounts to 1. choose which report they are going to report to and 2 have 2 companies reporting for the same account with different amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: NC

Complaint narrative:
I am having a problem with Equifax taking a charge off from XXXX XXXX off of my credit report. The account is not mine and I have never done business with them ever. They are located in Tennessee and that is where my son 's ex wife lives and she has gotten money in my name and has done this several times as we had no idea about it until she left and went back to Tennessee. We are still paying the price for what she did when she was married to him and taking our social security numbers and other forms of ID to get money in our names. I am sick and tired of trying to get this removed from my credit report and would appreciate some help with this. Thank you for your time and for the help in getting this issue resolved. I have contacted Equifax numerous times to get it removed and they refuse to do so. I don't have a phone number to call them at or I would be on the phone with them already and get this taken care of. I know they have had a security breach but that should have already been fixed and yet I am still having to fight with them to get this taken off. I would appreciate any help you can give me on this. Thank you again and I hope this time will be the last time I have to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: TN

Complaint narrative:
I have asked Equifax to provide proof that XXXX XXXX XXXX XXXX show proof that i am responsible for the debt that they have listed on my Equifax report. I have asked Equifax and the XXXX XXXX to provide a Copy of a id or SS Card. They have not complied with my request. Even tho i have asked numerous times.Please help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC
State: UT

Complaint narrative:
XXXX XXXX with Security Credit Systems contacted my phone number in an attempt to collect a debt from a XXXX XXXX, someone that I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
Bayview Loan Servicing is incorrectly reporting late payments on a loan that never existed. The line item on my credit report appears to be a duplicate of a XXXX XXXX XXXX XXXX. They have reported late payments of greater than 120 days as recently as XX/XX/XXXX. These incorrect late payment reports are preventing me from qualifying for a mortgage. I have no other negative items on my credit report. 

I have asked Bayview to review the account in writing and via multiple phone calls. They leave the erroneous information on my report, and typically add an additional late payment to my report for whatever the current month is when I file the request for them to investigate or a request/dispute with the bureaus. 

Months of incorrect late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Also of note - on my credit report it shows " account closing date '' of XXXX. Last activity date of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
ANNUAL PERCENTAGE RATE. The cost of your credit as a yearly rate. 
XXXX % FINANCE CHARGE. The dollar amount the credit will cost you. 
{$2800.00} Amount Financed. The amount of credit provided to you or on your behalf. 
{$20000.00} Total of Payments.The amount you will have paid after you have made all payments as scheduled. 
{$22000.00} Number of Payment ( s ) Amount of Payment ( s ) Payments are due XXXX {$380.00} XX/XX/XXXX On XX/XX/XXXX, I applied at XXXX XXXX to refinance my XXXX XXXX XXXX after leasing for XXXX months. I received the refinance documents from XXXX XXXX with the information above on the balance of {$25000.00} after the end of the lease. I gave a down payment of {$5500.00} with a balance of {$20000.00}. When I received the documents with the Annual Percentage rate of XXXX on the {>= $1,000,000} = {$2800.00} which is stated above in the BMW documents. The right percentage amount should be {$1000.00} and not {$2800.00}. 

If you divide their interest charges of {$2800.00} into XXXX-month payments the result should be {$48.00} of interest on a monthly basis. 

I have been making payments of {$400.00} dollars a month into my account instead of {$380.00} because I would like to pay off as soon as possible. 

Since I started making payments into my account on XX/XX/XXXX, XXXX XXXX had charged to my account higher interest than what it is stated in the documents. Also, I have been making additional payments to apply to the principal. XXXX XXXX as posted into the interest instead into the principal balance. I think that is a wrong entry into my account because my balance should be lower than what it shows now. 

I have contacted XXXX XXXX on various occasions because of the same reason, too higher interest charged and my extra payments it is not applied toward the principal. The Financial Representative stated that BMW collected their interest in advance which Is wrong because the balance will be higher than what is supposed to be on a monthly basis. Another Rep told me that XXXX collected the interest on a daily basis of {$290.00} which I was not aware of. That it is not in the document I signed. 

Please see the attachment of the payment stub so you can see the payments made since XX/XX/XXXX -XX/XX/XXXX because of the two payments in XX/XX/XXXX, I misplaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I've disputed items on my credit report. Equifax has dropped my score by 125 ... When I contacted Equifax they explained they dropped my score because I'd disputed items. This was stated on an open and recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
The loan has been here since 1996. I have made payment and made arrangement in the pass XXXX. The loan was sold to Navient loan company. The new balance is XXXX the loan was only XXXX. I was told I can get debt forbearance to remove the loan entirety. The company has been in lawsuits and other fraudulent behaviors. I asking for loan to be look at and see if I owe the amount in question. I getting phone calls from 10 different numbers a week. Need you help on this delicate matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I originated a loan with XXXX in XX/XX/XXXX for a conventional 360 fix with twenty percent downpayment the monthly payment is XXXX for a cooperative apartment. This did not require an escrow account for taxes and insurance. Then the loan was sold on XX/XX/XXXX to XXXX XXXX. Then transferred to ( Greentree mortgage ) who requested a copy of my homeowner 's insurance policy, in XX/XX/XXXX. which I provided. Then ( Ditech ) became the Servicer for Greentree. who requested the homeowner 's policy starting in XX/XX/XXXX as well. I provided them the policy, then they requested a copy of the Structural insurance policy, ( the Master Plan policy ) which after tracking down the co-op board to request their policy, it was sent to Ditech as stated, to assign them as the mortgagee. In the early part of XX/XX/XXXX. However, Ditech continues to bill me for this insurance policy regardless of, and they are applying my mortgage payments to this force-insurance policy, and they are saying, we are behind on our mortgage payment and reporting it to the credit report as such. They have been documenting my credit report since XX/XX/XXXX as non-payments ' which I clearly told Ditech, that this is a Co-op, which the co-op corporation is responsible for this master policy. I was in Bankruptcy since XX/XX/XXXX and was discharged on XX/XX/XXXX. Ditech was sending all my documents to the bankruptcy attorney and still continue to send all their correspondence to them today. I've been dealing with this issue with no avail. and at this point, Ditech has stopped accepting my mortgage payments as of XX/XX/XXXX. I called them to see why they haven't cashed the checks ' XXXX at Ditech couldn't answer as to why but stated over the conversation as it doesn't matter your in foreclosure since XX/XX/XXXX. Anyway, I am confused, if I've been making my mortgage payments, how can you have me in foreclosure status. Can you please help to resolve this issue as you can see I have been trying to solve this since XX/XX/XXXX, with no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Two paid medical accounts from 2015 were reported in error and the reporter, XXXX XXXX, agreed to fix asap and tell both CRAs, TXXXX & Experian, to delete the information. Instead, my credit monitoring services have repeatedly alerted me that my credit scores at XXXX and Experian have dropped dramatically as a result of this mis-information and is currently being reported. 

I disputed the information with Experian but XXXX XXXX online site will not let me dispute it. I called XXXX XXXX and had them fax me letters documenting the accounts were paid and that the information should be immediately deleted from both XXXX and Experian. The documentation from XXXX is attached. 

I want XXXX and Experian to delete the information immediately and update my scores.

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