vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XXXX of 2019. I had checked my credit report with experian, who monitors my credit. I received an alert telling me my credit score was XXXX which I thought was great. Only problem is they said I had a XXXX with ratio to earnings. I could not get any help for credit consolidation. A week later I checked my credit again and it still showed XXXX credit score but my income ratio went up to XXXX. I did not understand since I have not taken any loans out and was trying to fix my credit. A week later I checked my credit after getting an alert from experian. I then checked and it showed my score went down to XXXX and my ratio to spending was at 100 %. I could not understand this and finally called and asked them why. They said because I closed my XXXX account. I explained to them that I closed the account because I was very dissappointed in their windows and lieing to me when I applied for the loan and service. They never told me taht I would have to pay interest a year later. I was doing rela good in paying every month but after this additional {$2500.00} interset I had enough, and because of XXXX filing bankrupcy I closed my account with XXXX and explained why. Little did I know I was dealing with XXXX bank and explained everything to them including that the men that got me the loan from XXXX did something to get me the credit when I could not in the beginning. My complaint is how can they give me a 100 % spending rating for closing the XXXX account. I think this is so unfair. What can I do about what tehy did.

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 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Yes I had a lot of things deleted off my Experian credit report and I have screen shots for for proof that they was deleted but all the sudden they have re put those items back on my credit report and drop my score over slot of points until now i have poor credit rating and i don't like the way Experian running things over there Account .... XXXX XXXX  was deleted back on XX/XX/2019 and i file the dispute right here on cfrpb in the response it says clear the company has deleted the account but today XXXX it's been verified I don't understand it was deleted for wrong late dates and wrong reporting also I had 2 names deleted XXXX XXXX XXXX and XXXX XXXX my name is XXXX XXXX XXXX ... Plz someone iam begging tell Experian to fix this matter asap or I will have no choice to go to small claims court this stuff popping back up on my credit report hurting me all I want to do is start a second chance life but Experian is taking me not seriously plz remove the fraud 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 2019-08-25 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have disputed several transactions and sent documentation to Chase Bank via fax and Chase claimed that the forms with supporting evidence were not received even though I have successful fax confirmation from third parties. 

Dispute transactions are : The XXXX XXXX for {$300.00} XXXX for {$300.00} XXXX XXXX for {$240.00} Hue for {$92.00} XXXX for {$260.00} These transactions were disputed and the merchant did not provide clear evidence that contradicts my disputes and the bank did not process my response to the merchants documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: FL

Complaint narrative:
Incorrect accounts are reporting on my credit report XXXX XXXX XXXX  XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
Phoenix Financial Services keeps calling me to pay them an added amount to the debt I have already paid to the debt originator, XXXX  of XXXX XXXX XXXX. 
XXXX has posted a XXXX balance on my debt but XXXX wants me to pay them the balance of XXXX $ to them, a different amount than the original debt. 
I sent XXXX a copy of the closed account from XXXX by email, which they requested but they still keep calling for a payment of a " new '' amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
Target.com was supposed to issue a refund but did not causing Target Credit Card to incorrectly report me for late payment even though I was led to believe there will not be any charges. This was for order number XXXX. 

I called Target Credit Card several times and the representatives must first admit that this was a target.com error to remove the late payment report. But Target.com did not get back to me dispute several secure messages sent using the Target platform.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have student loans reported on my credit saying no payments received. I disputed this and the credit bureau said the US Department of Education says the information is correct. I have my student loan payment garnished from my check in the amount of 15 % every payday. I tried contacting the US Department of Education and they said my loans are with the collection agency named XXXX XXXX XXXX. I called them today XX/XX/19 and spoke to XXXX on a recorded line. He said that I am going to remain in default until my loans are paid in full and they are not required to report to credit bureaus. He said my payment is not considered voluntary and therefore my status will not change. I was told I could only come out of a default status by letting the garnishment continue and making a separate payment to them. That is absurd. A payment whether voluntary or involuntary is still a payment being received. He also stated that I have a balance of {$130000.00} and on the US Department of Education student loan website my balance is {$110000.00}. How can I make a payment and owe collection fees that high? This is unconscionable.

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 2019-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I'm writing this letter to seek assistance regarding a recent unfair, and in my judgement, unlawful treatment I experienced at Freedom Mortgage. 

I was referred to XXXX XXXX XXXX XXXX by one of XXXX XXXX XXXX. We met at a XXXX XXXX XXXX on XXXX XXXX, NY on XX/XX/2019. 

XXXX XXXX glanced over our tax returns, pay stubs, bank statements, w-2 's, etc. He immediately, verbally, approved us for around XXXX without putting any information/ figures into his computer. 

He stated he would send out our pre-qualification letter next day. He then told us what differentiated him from other big lenders was the ability to waive ALL fee 's associated with closing cost except state fee 's and taxes. 

After a few months of house shopping we finally found the one. On XX/XX/2019 we met with our attorney and received an estimated closing cost of {$27000.00}. 

On XX/XX/XXXX, we were in contract and reached out to XXXX to begin the mortgage process. We sent out all requested documentation. On XX/XX/2019 we received a closing cost worksheet, from XXXX, around {$27000.00} as we expected. 

Through out the two months our mortgage was being worked on, XXXX disappeared. We were left in the dark. We were expecting a walk through during this whole mortgage process with updates as needed. We were consistently writing emails and texting to find out what was going on. It was very difficult to get a response and if we did, it was a one word answer. 

Around mid XXXX we spoke with XXXX again double checking our closing cost fee 's. He reassured us it would definitely be a lot less than the {$27000.00}. 

Now it's XX/XX/XXXX and we receive an email from XXXX about origination fee 's costing 1.529 % and we are locked at a rate of 4 %. We are due to close the XXXX of XXXX. 

Our closing cost fee jumped from {$27000.00} to {$39000.00}. {$12000.00} more than we anticipated. This was very alarming. We referred back to our commitment letter and the origination fee to Freedom Mortgage was only {$1200.00}. This was a very distressing experience as first time home buyers. 

It was never explained to us what locking a rate meant and when it was a best time to do so. It was never explained to us we would incur a {$10000.00} origination loan fee nine days before our closing date. 

I feel XXXX had an moral obligation to disclose all fee 's up front. He robbed us from the opportunity to compare prices with other lenders, robbed us from the excitement of owning our first home, robbed us of our rights. 

I did some research and I see there are laws in place to help protect consumers like myself against deceitful, untrustworthy mortgage officers.

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 2019-08-25 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I went into a XXXX XXXX to apply for a car loan and they applied to multiple companies for me on XX/XX/XXXX. Since then I have received multiple letters in the mail with offers, counter-offers, or denials of loans. The issue is this : one of the companies, XXXX XXXX, sent me two letters in the mail I received today, XX/XX/XXXX, denying my loan application and lists my credit scores from XXXX, and some odd credit reporting agency I've never heard of called Sagestream LLC. My credit score from XXXX   listed by the letters is XXXX but the Sagestream agency lists it at XXXX and both letters state they used Sagestream as a deciding factor in the loan denial. 

After a visit to their website to find out why my score is so low through Sagestream I found out that the only way Sagestream will give me a copy of my credit report from them is to send off copies of personal information such as my social security card and drivers license through the mail. Their company phone number just led me through a chain of robots without any real help from an actual person. I am reluctant to send off any personal information to a company I have never heard of for credit history until today and all reviews I read of this company have labeled them as a scam. 

Listed on the letters from XXXX XXXX under Sagestreams reasons for adversely affected scores are " Limited history for consumer at address & phone ( Applicant ), Length of time accounts have been established too short ( Applicant ), Not enough bankcard debt experience ( Applicant ), Not enough debt experience ( Applicant ). '' I've had my phone number since 2005, lived at the same address for 20 years, had my bank card since 2005 with zero delinquencies or overdrafts, and I've had my credit card for over a year with perfect payment history. 

To have an unknown company with false information and who tries to use shady tactics to obtain personal information be the adverse factor in a bank 's decision to offer a loan to me has sent many red flags and is the reason I am filing a formal complaint against Sagestream LLC and XXXX XXXX for partnering with them and for potentially sharing my personal information with Sagestream LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/19 I applied online at Speedy Cash to get an installment loan. I received and signed paperwork online stating that I would pay payments from every check in the amount of {$120.00} starting XX/XX/XXXX. I was told that I would receive {$450.00} and I did in store. I was told payments were for a year and I was going to pay almost {$1600.00} for borrowing {$450.00}. When I went in person I was told in person that year of payments was only covering interest and I would still owe the principal on the loan. The interest is 677 %. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: NY

Complaint narrative:
Hi I am contacting your company because TransUnion is reporting fraudulent information on my credit report that I want removed from my credit report at once because it does not belong to me and it is fraudulent. Here Is the information that needs to be removed XXXX XXXX XXXX Inquiry from XX/XX/2019 + Finance this information is not mine and was fraudulently added to my credit report and I want it removed at once. I have already contacted police in this matter because its been an ongoing issue because I am a victim of identity thief

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 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I was denied a loan from XXXX XXXX in part from information provided by sagestream. They do not have an online portal where I can get a copy of my credit report from them. They do not have an online portal where I can report identity theft. They do not have an online portal to do anything. They easily gave my information to XXXX XXXX with out verification of a driver 's license or proof of residence. But they expect me to provide that to them to access my information that they shared. 

I am formally requesting a copy of my credit report from them. If they are unwilling to provide it, then they need to stop reporting information that I do not have access to. This is a violation of my rights as a consumer. They should not be allowed to report credit if they do not have ease of access like the other credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: FL

Complaint narrative:
An incorrect account is reporting on my credit report 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 2019-08-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/2019 2 automatic payments were issued to this lender. Once I checked my checking account I notified the lender to please return one of the payments back to my account. I was told that I had to wait for the check to be cleared by Federal Reserve. After waiting 2 weeks were then told to get a statement from my XXXX XXXX. After that I waited and then told it was being handled. It made no sense that the check we asked to be returned was not treated the same as the check that was applied as the XXXX payment. Bothe checks came from the same account. If the 2nd check was such a difficult item to process why not reverse the payment send that money back to me and apply the 2nd check as the payment. 
No where was it indicated nor did I authorize a principle reduction payment. This company held onto my funds intentionally. 

On XX/XX/XXXX I finally received a check in the regular mail in the amount of {$480000.00}. 
The payment amount submitted was {$4800.00}. The {$4800.00} should have remained in my account and accrued interest at 2 % for the 19 days it was erroneously held by this lender in their bank. I am demanding the return of my entire payment that was deducted from my checking account and the interest lost on my money ...

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 2019-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: LA

Complaint narrative:
A few years ago something happened to make my mortgage goes into the delinquent status sso I called the mortgage company and they explained to me that I had missed a note two years ago so I brought the note current and they came back three years later and did the same thing which caused me to go into a foreclosed I know I had missed a note because I kept very good track of the payments after that the mortgage company did not want to hear what I have to say I've wrote letters and complain it an asked them to correct the matter they didn't prolong the issue until there was not enough time to correct the matter I had to file bankruptcy to save my home after showing them that I had not missed not one payment that still didn't matter being that I have the FHA 's very strict contract they disregarded all of the guidelines legal statutes and laws in my FHA contract through the FHA contract they found they could not foreclose on the book only put me through a forbearance plan and they had to get permission from the Bar Association to consist however I brought my long comment begin did everything that was asked of me through the forbearance plan and completed it and gain some interest back that was not replied to my principle about a long XXXX XXXX dollars that went into overpayment to bring my loan and reinstate my insurance however that didn, t happened I have spent money and time to fake foreclosure and now I am on a fourth fake foreclosure and I know and have record that I never mixed not on payment so I havenever should have been either foreclosed and look like to get rid of this one I'm going to have to file bankruptcy again mid First Bank is repeatedly committing bank fraud in predatory lending insurance fraud and breach of contract not to mention the sentence of 15 years of emotional distress and mentally anguish

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 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/2019 went to XXXX 's XXXX to pick up a used car I purchased with financing done by XXXX XXXX XXXX XXXX out of Ohio, I had purchased a vehicle from XXXX 's before using this this type of financing. Upon arrival they did not want to release the car and XXXX XXXX from the finance department wanted me to finance though XXXX 's and then refinance again through my credit union again for the vehicle. I refused, this unknow to me at the time would have allowed them a {$250.00} fee for the financing to XXXX 's XXXX. They did release the car after I covered the car with my XXXX XXXX XXXX. On XX/XX/2019 I received a credit alert from XXXX that a credit check was preformed that I never authorized from XXXX 's XXXX. This was reported to all the credit reporting agencies. Experian ... .etc.. 
I am a XXXX Veteran and trying to purchase a home and not only is this unlawful but the credit check lowered my credit score. The high pressure financing was just a ploy to make {$250.00} dollars. Even after the monies were sent to XXXX 's the finance department was unaware of receiving the monies. I had to have XXXX XXXX XXXX call and remind them the monies were received by their finance department.

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