vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 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: AL

Complaint narrative:
The aact was paid in full... it has NEVER been a collection acct ... but equifax refuses to properly vett the acct and remove the negative comments. Equifax has it listed as a collection acct... it is not.i don't think equifax is doing a thorough investigation to try to correct the negative information. XXXX XXXX XXXX XXXX XXXX  will let them know this not a collection acct ... equifax refusal to remove this is causing me credit denials and I think they are doing it on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-30 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:
I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: NV

Complaint narrative:
We bought our home XX/XX/XXXX. We got approved through Axos Bank, they currently hold the mortgage. Everything was going smoothly up until XXXX of this year XXXX. We were paying the payments over the phone on the Banks automated phone which gave no confirmation number just said payment was accepted. Now in the second week of XXXX we received a default letter stating we did not make our XXXX payment. We then had to send in double payments for XXXX and XXXX which caught us up, the error was Axos Banks error. We thought that the problem was resolved because Axos bank stated that they were having computer issues. From this time on we stopped using the phone and found the internet site to make payments and since we have been receiving confirmation numbers. We have been trying to talk with Axos bank and resolve this but every time we explain where the error started to make it easy for them to correct we get told we will be contacted within XXXX to XXXX hours on this issue and no one ever calls back. We did not realize that from XX/XX/XXXX until now they were putting our monthly mortgage payment as a partial when inturn we have always been making the full payment. Every month they meaning Axos Bank keep sending us default letters and added charges up now over XXXX dollars. A few months back we received a check for XXXX as a rebate from the escrow which makes no sense to us. Our bank records show all of our payments have been current since we first started the mortgage. We get paid the fourth Wednesday of every month as we are retired. Axos bank on the fourth Wednesday of every month gets paid for the next month when the payments are due on the first of every month. The mortgage is paid any where from four to seven days early. We have never missed a payment. We found online a few weeks ago an email address for Axos bank and we emailed them and we were told in email that a lending manager would contact us and noone ever did. They also meaning Axos bank hit our credit which was very good before this now they show on the credit report we are behind a month and the credit went down XXXX  points. We have zero credit cards and we are down to 2 payments remaining on a 6 year car loan and have never missed a payment. This problem all started with Axos banks payment error. They will not correct. Weve contacted them every month when we get the default letter, we even give them the date and month of there error to make it easier for them to correct. Our bank records are our proof of payment every month. This has put an awful strain on us considering we took the loan in the heart of Covid 19 when the country was shut down and noone was working. All we are asking for is this issue to corrected and our credit restored. We can provide all bank statements from when we first started the mortgage to present.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent a complaint on XX/XX/21 the complaint was never reviewed by Wells Fargo so I am sending it again. 
# 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 2021-09-30 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: FL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Reason : FDCPA section 807 Violation misleading false reporting Company name : XXXX XXXX Account number : XXXX Reason : Misleading false information This is a HIPPA violation you can not report health information on my credit report Company name : XXXX  XXXX Account number : XXXX Reason : Misleading false information This is a HIPPA violation you can not report health information on my credit report Company name : XXXX  XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Reason : Validate account. Prove it. Give me the signed contract that gives you consent that contains my signature giving you consent to do so Company name : XXXX Account number : XXXX Reason : Misleading false information This is a HIPPA violation you can not report health information on my credit report Company name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
While looking at my credit report I found 2 accounts that do no belong to me so I filed a police report and FTC Identity Theft report attached

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 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/21 I was billed for my wife 's XXXX XXXX. My Platinum AmExp card has a benefit to pay the {$100.00} for this service. When I received my statement I noticed the charge on my bill. I called American Express on XX/XX/21 and XXXX, who was very nice, confirmed my account would be credited back the {$100.00}. I paid the {$100.00} and bill in full, as always and on time because of our agreement. On XX/XX/21 I made a series of calls about this charge that remained on my bill and questions about the {$550.00} fee and continuing the account. I spoke with XXXX, XXXX, XXXX ( XXXX ), XXXX, Ms XXXX, and XXXX. The calls tallied just under 2 hours. After these lengthy conversations, XXXX, the Supervisor at the Retention/Loyalty Department said that I would be offered {$150.00} to offset the {$550.00} fee but I would have to go back to AmExp Customer Service to rectify my valid complaint about the {$100.00} dispute that was previously resolved. When he transferred me back to XXXX, I was disconnected. Please have the bosses review the recording with XXXX, etc. XX/XX/21 XXXX that lasted XXXX. Ms XXXX, XXXX XXXX said no to resolving the {$100.00} credit and then told me the {$150.00} Loyalty credit had been taken away. Later it was put back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In Re : Sam 's Club XXXX  Card issued by Synchrony Bank inclusive of their " Card Security XXXX XXXX XXXX XXXX ) '' product first purchased for the account in XX/XX/XXXX. 
Card Number : XXXX XXXX XXXX XXXX In the year XXXX I suffered my first medical problem with extensive hospitalization from a near death experience. I sought to utilize the above benefit but XXXX never turned it on. The illness came under control in XXXX but later re-manifested itself with another near death experience in XXXX. As a result, I was unable to pay their bill and again sought to activate the Card Security product. They continued to charge me for this product until they canceled the account which was reflected on their XX/XX/XXXX statement. Communications from them then stopped and I didn't hear anything further until their business partner, XXXX XXXX XXXX, XXXX. filed suit against me. XXXX apparently loaded the balance up with thousands of dollars in extra unexplained fees and the filed suit against me in XXXX XXXX XXXX XXXX  Florida. This outfit is not entitled to a XXXXenny from me. Synchrony charged me large premiums for this coverage. I have medical records and billing to substantiate this claim which now approach {$400000.00}. I'm not sure how I could possibly copy them at this time and attach to this submission. They are voluminous. 

I request that these two predators, Synchrony Bank and XXXX XXXX XXXX be brought to justice. Thank you for your efforts in connection with this matter.

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 2021-09-30 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: OH

Complaint narrative:
While looking at my credit report I found 2 accounts that do no belong to me so I filed a police report and FTC Identity Theft report attached

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 2021-09-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: ONE REVERSE MORTGAGE, LLC
State: TX

Complaint narrative:
My father took out a loan in XXXX thru one Reverse Mortgage , LLC. In order to be approved they sent a real estate inspector to examine the home, and he made his recommendations. He made us a list of structural repairs to be completed by a set date. I made the repairs myself with a request to or more time and they agreed, plus, it was specified that said repairs had to be done by a licensed contractor. We got it done on time and proper and the last inspection was done. A different inspector came ( also a man ) he does a quick walk through and I had left a ladder set up with the access way to the attic in plain sight. He said he didn't need to physically go up into the attic. As he is leaving I requested his assurance that we had succeeded in passing the listed repairs. He turned to me and said, " I'm not going to pass this house. '' And I responded, " why not if we completed the repairs on the list? '' And without missing a beat, he answered, " because I saw that you missed a patch of bad shingles, and I saw water damage to the roof ( plywood ). '' The whole point of the inspection was to grant the full amount of the loan or just half. My father said he tried getting an equity loan but that gave him some kind of trumped up reason on why he didn't qualify and then offered him, in total XXXX cash. After we did the repairs the first try ( that is my hands ) they released XXXX by check and after the last they sent the rest. We expected another XXXX XXXX and change but received only XXXX ... ... which I used by cashing it at XXXX XXXX XXXX and then crossing XXXX XXXX to buy groceries at XXXX  # XXXX. They railroaded my father and three days after I buried my father on XX/XX/XXXX I received three packets in the mail. Each with a error in the address and each identical. It opened like this, '' this is not a bill. This is a reminder, you have thirty days to pay original loan amount in full or your home will be foreclosed on, {$58000.00}, and then the pandemic hit us so fiercely that the CDC issued the no eviction memorandum and now it's no more and me and my XXXX youngest children are about to be put out on the street amid an even more deadly variant than the original co-vid 19 virus. Please, stop these reverse mortgages from being served because when the old are left with no one to fend for them I know they are mistreated. I am living proof.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I made a complaint against Bridgecrest a month ago due to incessant calling multiple times a day to me and my family because I was a month late on my payment. Now they have blocked my access to make a payment with my debit card online. I am now unable to pay via credit card, debit card, and bank account. I tried to make a payment multiple ways this morning and am blocked with every type of payment method. I successfully made a payment last month with my debit card ( they also charge a fee to pay that way but will not allow me to pay another way ). I am sick of their games and their treatment. I should be allowed to pay via debit or credit card. I have no way to make a payment now. They are punishing me for contacting you about their harassment when a payment is late. If they do this to me, how many other people have had this happen? How am I supposed to pay my car payment when they have blocked me from making the payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Recently, I paid for my mother in laws funeral and was double charged. It's been over a week now and USAA still has not fixed my account. I have direct deposit and the money is getting eaten up by the overdrawn account. My account has been overdrawn by over {$5700.00} since XX/XX/XXXX. USAA admitted this was an error on their end but everyday they give a different refund timeline. At this point all of my payments are behind and at risk of disconnection. I have even escalated this issue to their CEO relations team and they have refused a temporary credit even though they know funds have been released by the 3rd party bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is illegally trying to collect a payment that is fraud. I turned in my equipment on time and at that time paid my final bill. I asked them at that time if I am paid off and they said yes. This was XXXX. 

Now in XXXX of this year, I have a surprise collection account on my credit from an agency called Convergent Outsourcing for {$270.00} with no former information.

I paid this in full. Many times cable companies try to commit fraud and bill you for nothing.

This is what is happening here. They should not be able to get away with this and have already destroyed my credit score. I paid them in full at the time I gave in my equipment. 

The collection was put on my account on XX/XX/XXXX. The account number is # XXXX The law says cable companies are not supposed to put collection accounts on your credit report particularly if it is fraudulent because they do this. 

Convergent Outsourcing Collection Agency XXXXXXXX XXXX XXXXXXXX XXXX, Washington State XXXX. No phone number provided, no real address provided. 

Why would I not pay my bill in full at the time of returning my equipment. This is a pattern with cable companies. 

Please ask them to remove this from my credit report. It is fraudulent. 

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 explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have filed a dispute in regards of my credit report and its been well over 30 days. I haven't seen any investigations results.

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 2021-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
The practices of this company are oppressive. They are purposefully dragging there feet in processing my application. I have turned in information to no avail. I turn in information and it takes 4-5 days for a response. When I call I leave messages. I have called and every time they say they need a different document. I send in the document the same day and then I don't receive a response for five days. I am slowly accumulating more missed payments. If I'm not approved I have to come up with the amount due.

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 2021-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
I have an agreement with my mortgage company ( Pennymac ) for them to pay my real estate taxes out of an escrow account. I recently ( XXXX ) received a notice of delinquent real estate taxes from my county advising me my home will be put up for sale on XX/XX/XXXX if payment is not received. The payment was due XX/XX/XXXX. 
Pennymac is notoriously difficult to deal with on the phone ( hard to get through to an agent, agent is not knowledgeable ), so I sent a message to them through their internal Website messaging system. I am waiting to hear an explanation for how this could be and that they will be paying the past due amount immediately and will include payment ( out of their own pocket ) for late charges and interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I recently disputed a claim from this company that I owe them monies to which they were unable to, on multiple occasions, provide me with the verification I requested. They removed the items from my credit report only to repot them again under a different abbreviated name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have filled out all proper forms previously. X 2 I'm now getting calls w/no name given only # 's about garnishment. 
Ive been a XXXX XXXX  for XXXX yrs. Full time for XXXX of those years & grandfathered in as Full-part time for last XXXX yrs. 
Why have I not been offered the forgiveness & I must continue to fill out the same type forms. 
My tax refunds were kept in 2019 then later given in XXXX - XXXX as I had been paying the payment agreed upon. And fought w/IRS for the evidence of why refund was kept. The covid happened & now credit report states no paymens XXXX delinquent payments of 180 late payments. Savi agency has worked w/me repeatedly to also find that the agency will not anser the calls or return calls I've left with credit agency

Company response to consumer: Closed with explanation