vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is reporting my last name inaccurately on my credit file, I have tried getting them to fix this error twice with no resolution. My first dispute was sent certified mail in XX/XX/2018 and my second attempt was through Equifax Online Dispute Portal on XX/XX/2018. I have sent them all required documentation both times. They received copies of my drivers license, social security card and, proof of residency. Equifax is reporting my last name as XXXX which is Not the correct spelling. The correct spelling of my last name is XXXX. I have had it trying to dispute anything successfully with this company because they Do Not take responsibility. Equifax is Not properly investigating my disputes. How can this company claim to have my best interest in mind at preventing identity theft when they allow for a simple misspelling of a consumer last name to appear on the consumer file. I want CFPB to take the necessary steps to penalize Equifax for allowing these preventable mistakes. I am a victim of Identity Theft and I take my consumer files very serious and when I have tried disputing the incorrect spelling of my last name for 2 months to no avail it starts to make one wonder what Equifax is even doing to protect consumers and why they are reporting inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
No knowledge of debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Roquemore Holdings LLC
State: PA

Complaint narrative:
The company Roquemore & Roquemore AT XXXX XXXX XXXX is repeatedly contacting myself, my daughter and my spouses ' parents for a debt that is NOT ours! They are trying to get a hold of my spouse about this loan but it is solely IN HIS NAME. IT IS NOT MY DEBT, THEY ARE JUST TRYING TO LOCATE HIM BUT HARASSING US REPEATEDLY. 

This debt does NOT have our names on it!!! They are repeatedly calling me AT WORK for weeks and PURPOSELY DIALING ALL OF THE EXTENSIONS OF MY CO-WORKERS AND BOSS!!!! 

This is NOT MY DEBT. It is NOT IN MY NAME. WHY ARE THEY HARRASSING US!!!! 

I actually thought it was a huge scam at first because of how often they called me. I do not know any of the details of this LOAN, it is not my business, I am not on the loan, I was not included as a reference .... neither was my daughter who is 19!!! They are just trying to get someone to talk to BUT IT IS NOT MY BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
A mortgage company I used to have a loan with has refused to show the loan as closed. The loan was closed with a XXXX   V.A. Loan. XXXX shows the loan still open in my name. That is incorrect. The loan is paid as House was refinanced under The name XXXX XXXX XXXX. I should not have ANY open mortgage accounts at this time. Thank you. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
The account in question has been closed since XX/XX/XXXX. However, starting in XX/XX/XXXX, my credit report was changed to show that I had late payments for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not true, every single payment was made on time and deducted directly from my checking account on the XXXX of every month. I disputed this with the credit bureaus and they did fix it to show all payments made on time and no XXXX days late payments were ever made. This event reduced my credit from XXXX to low XXXX 's for a few months while it was resolved. 
In XXXX of XXXX, again my credit report was changed to show now that I was XXXX days late on payments for XX/XX/XXXX and XX/XX/XXXX. Again I have disputed this with XXXX, and they are investigating it. XXXX does not show this at this time. I am not sure what XXXX shows as I have no free access to their credit report at this time. 
I have called XXXX XXXX XXXX twice now, and they keep saying they are not the ones making these reports. XXXX XXXX XXXX also states that my payment history is perfect and I have never been late on any of my payments. Yet my credit report is still wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX I retained a law firm named XXXX XXXX XXXX XXXX XXXX, ( hereinafter referred to as XXXX XXXX ) to help facilitate a loan modification with Citi Mortgage for my homestead property located at XXXX XXXX XXXX XXXX, XXXX FL XXXX, Loan {$0700.00} XXXX XXXX ( since that time my servicer has changed hands twice, from CIti to XXXX to now XXXX XXXX ) And I terminated XXXX XXXX inXX/XX/XXXX. My Complaint to the CFPB is regarding Citi Mortgage and the violation of FCCPA and Fl Stat 559.72 ( 18 ). On XXXX XXXX XXXX sent via certified mail a Cease and Desist Letter directing XXXX to send ANY AND ALL future correspondence to XXXX XXXX. On XXXX XXXX XXXX  also sent certified mail to Citi a Qualified Written Response. Citi Mortgage blatantly IGNORED both of these letters, which DELAYED AND HURT THE LOAN MOD EFFORTS THEREBY CAUSING ME IRREPRABLE HARM AND HURT MY CREDIT. I received OVER 60 letters from Citi after XXXX which by all rights and purposes were supposed to be sent directly to XXXX XXXX, which the CFPB can plainly see delayed and hurt me terribly. By Citi ignoring the C & D, and  the QWR wreaked havoc on my effort to simply just modify my mortgage. Citi repeatedly sent to me OVER 60 letters, of which I have them all, and would be too voluminous to submit to the CFPB with this formal Complaint. On XX/XX/2015 XXXX XXXX   sent a formal Demand Letter to Citi mortgage WHICH ALSO WAS IGNORED. Citi Mortgage 's blatant gross disregard and IN VIOLATION of the FCCPA AND FLORIDA STAT 559.72 ( 18 ) is reckless and hurt me and my credit. These national mortgage services need to be held to a higher standard and be held accountable. By their not adhering to the FCCPA AND APPLICABLE STATUTES HARMED MY CREDIT. I am submitting this complaint to the CFPB as well as sending a formal demand letter for restitution to me from Citi. I have since after much, MUCH effort finally obtained a loan modification for my homestead AFTER EXHAUSTIVE EFFORTS WITH CITI WERE FUTILE AND NOT SUCCESSFUL. I can not stress to the CFPB enough that even with an attorney pursuing a loan mod it was impossible to achieve with Citi ; I finally did obtain a modification with XXXX when they took over servicing my mortgage, which has since changed to a servicer named XXXX XXXX. CITI MORTGAGE BLATANTLY IGNORED the C & D,  the QWR and the Demand Letter. HOW CAN A NATIONAL MORTGAGE SERVICER DO THIS IN GOOD CONCIENCE??? The lowly homeowner WHO THEY ARE SUPPOSED TO BE SERVICING IS JERKED OVER AND HURT.

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 2018-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Hi I done an ACH transfer from Santander account by mistake which I never choose overdraft line of credit. I told them clearly I don't want overdraft facility at all they should not procees payment if there is no money but they done that anyway!! 

An ACH tranfer of {$300.00} is {$780.00} in just 2 weeks!! They blocked me logging into my own online account with since I was planning to transfer on Day 1.Below is the attached bank opening document which clearly states I didn't choose overdraft but Santander bank put overdraft facility without me choosing it.

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 2018-08-28 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: VA

Complaint narrative:
Since XX/XX/XXXX, I have been trying to clean up my report of duplicate student loan reporting. XXXX continues to report unverifiable student loans ; fraudulent accounts, and RE-aged debt by debt collectors. The student loans that were or should have been in FORBEARANCE during school attendance from XXXX to XXXX. As of XX/XX/XXXX all of the loans have been paid in full yet, they still show derogatory unverified student loans and their statuses on my credit file. Loans that have been paid in full are reflected negatively. 
The total loan debt of {$65.00}, XXXX because of their inaccurate reporting have doubled to {$120000.00} that they report negatively even though documentation from the National Student Loan Database reports to the contrary. They have a complete absolute mess!!!!!

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 2018-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
No knowledge of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This complaint is about my American Express business platinum account ending in XXXX. The account was closed due to the fact my business lost a recently obtained contract and Im having to adjust my lifestyle and move. Because of this I had to cancel my account. I sent a payment yesterday and today I was checking the remaining balance to be paid off before the due date of XX/XX/2018. I saw I had a negative Memberahip Rewards balance of XXXX XXXX. The card came with a sign up bonus of XXXX points after spending {$10000.00} in the first XXXX months which I did. One attaching the statement which clearly shows spending above the requirement. The points were posted when I met the spending and I transferred them to the airline of my choice. Im respectfully requesting the membership balance be updated to get out of the negative, since it was at XXXX points yesterday. Ive never had this sort of problem with Amex and I hold several of your cards which I enjoy using and Im an advocate of. I called and spoke with XXXX and then XXXX at the Memberahip Rewards Department. They agreed on a recorded line that I had met all the requirements of the spending and that I shouldnt have a negative balance. As a long time loyal customer Im asking you to do the right thing. Otherwise Ill be forced to close all my accounts with you and move my spending to somewhere else. I sincerely hope your company values their customers and doesnt see us as just numbers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: AES/PHEAA
State: AR

Complaint narrative:
I graduate college. I moved to another address. Never got any kind of mail/email about a payment due. Months later XXXX missing payments showed up on my credit report from student loans. I had no way of knowing what and when was due. I later got the loans forbearance because of low income. These missing payments should not be on my credit report because I was not informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
Receiving harassing calls, showing up at residence, knocking on neighbors doors etc, company states they don't have my contact numbers ( XXXX ) XXXX XXXX never changed, these contacts are also showing on the portal, I have requested more then once not to call and or bother me @ the residence, I asked that they take the proper avenues legally to protect there interest as Iam awaiting such actions and will be filing bankruptcy. Freedom Mortgage has sent investors at late evenings disrupting residence, I have asked numerous times not to bother me or harass me today again XX/XX/XXXX attached letter taped to my door,

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 2018-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
We paid our car off on XXXX and Ally sais we still owe {$300.00} for late fees. When I paid {$1100.00} that was for 2 payments and the late fee that we didnt even owe. We had some late fees but not that much. The 2 payments were {$420.00} + {$420.00} = {$850.00} + $ XXXX {$1100.00}. Ally is saying we still owe the {$300.00} and is holding our title ransome. I have attached several papers showing. 
In XXXX we got behind because we needed extra money for XXXX. We did not get caught up until I paid the {$1100.00}. The first balance was {$1100.00} ( which I should have paid that, didnt want to over draw my bank ) - {$1100.00} = {$11.00}. But then it popped up that the balance was {$14.00}, so I paid that and then they reversed the payment. 
XX/XX/XXXX I tried to make a payment and they reversed it, then I paid the {$1100.00} on the XX/XX/XXXX. They also reversed the payment of {$14.00}, but I kept trying and finally it went thru. 
My complaint is that they are holding our title ransome and saying we owe {$300.00} and until we pay it they wont send us the title. Also, they have charged us lates fees that were not 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 2018-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XXXX, I was overseas, and was not allowed access to m account since I had missed a payment. I HAD to make a payment. In XXXX and some of XXXX, after my motorcycle accident, I was only able to live off my XXXX PENSION FROM THE GOVERNMENT, ( which Navy Federal Credit Union is taking still, even though it is exempt, this shows up as XXXX XXXX on my deposits ) they still were restricting access unless I made a payment. While recovering from the accident, XXXX of my XXXX check were going to XXXX XXXX, and I was left to use roughly {$100.00} I had left to work with for the month. In other words, they made me pay them with the XXXX check I was getting just so I could have access to my account. https : XXXX I then learned it was always illegal for Navy Federal credit union to restrict access. I have since had phone calls with Navy Federal concerning getting compensated, as I feel I am owed. For some reason, they can never seem to know or remember what I am referring to. They said they would look into my issue over a year ago on the phone, and I have never heard anything back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: CT

Complaint narrative:
The account in question has been closed since XX/XX/XXXX. However, starting in XX/XX/XXXX, my credit report was changed to show that I had late payments for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not true, every single payment was made on time and deducted directly from my checking account on the XXXX of every month. I disputed this with the credit bureaus and they did fix it to show all payments made on time and no XXXX days late payments were ever made. This event reduced my credit from XXXX to low XXXX 's for a few months while it was resolved. 
In XXXX of XXXX, again my credit report was changed to show now that I was XXXX days late on payments for XX/XX/XXXX and XX/XX/XXXX. Again I have disputed this with Transunion, and they are investigating it. XXXX does not show this at this time. I am not sure what XXXX  shows as I have no free access to their credit report at this time. 
I have called XXXX XXXX XXXX twice now, and they keep saying they are not the ones making these reports. XXXX XXXX XXXX also states that my payment history is perfect and I have never been late on any of my payments. Yet my credit report is still wrong.

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 2018-08-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted an application for a credit card and received a declination letter. The credit score that XXXX bank used was different from the one from Experian 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 2018-08-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A mortgage company I used to have a loan with has refused to show the loan as closed. The loan was closed with a XXXX   V.A. Loan. Experian shows the loan still open in my name. That is incorrect. The loan is paid as House was refinanced under The name XXXX XXXX XXXX. I should not have ANY open mortgage accounts at this time. Thank you. 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 non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Authorization was faxed on XX/XX/18. The request to attach the authorization to the account was made very clear on the fax cover sheet. Fay Servicing is refusing to attach my authorization to the account and is refusing to speak to me, even though the homeowner/borrower has explicitly given us permission to speak to Fay Servicing. We have given Fay Servicing, the Account Manager, XXXX XXXX XXXX XXXX ), and XXXX manager several opportunities to abide by the homeowners request, yet they refuse to do so. 

***Please note that we did finally receive a payoff demand from Fay XXXX so its obvious the DO have our authorization and are PURPOSELY REFUSING TO ABIDE BY THE HOMEOWNER 'S REQUEST. ( See attached Payoff Demand from XXXX and our authorization faxed XX/XX/XXXX ) I want the authorization attached to this account IMMEDIATELY. 

I want an update on the loan modification process IMMEDIATELY. 

I want Fay Servicing fined the maximum of {$1.00} million due to their refusal to service this loan according to Federal and State servicing guidelines. 

CC : XXXX XXXX, Attorney General of California

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I submitted an application for a credit card and received a declination letter. The credit score that Chase bank used was different from the one from XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
Wakefield & Associates, a debt collector in XXXX, continues to report debt that is over 6 years old. 

Per A.R.S. ( XXXX Revised Statutes ) 12-548, debt over 6 years old is not allowed, by XXXX law, to be reported as a delinquent account/debt.

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 2018-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
I'VE BEEN RECEIVING PHONE CALLS AND DEBT COLLECTION LETTERS FROM THIS COLLECTION COMPANY ERC ON THE BEHALF OF XXXX XXXX XXXX I REPEATEDLY ASKED FOR DEBT VALIDATION BUT GOES IGNORED ONLY RESPONSE FROM THEM IS THIS DEBT WAS REPORTED VALID FROM THE ORIGINAL CREDITOR. I HAVE NEVER HAD XXXX XXXX XXXX SERVICE SO THIS IS NOT MY DEBT. I AM REQUESTING DEBT VALIDATION IMMEDIATELY ON THIS ACCOUNT OR REMOVE IT IMMEDIATELY FROM MY CONSUMER REPORTING FILE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation