vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian did not perform a reasonable investigation. They stated that I previously Submitted a Dispute however that is incorrect because the attachment shows their response stating that they couldnt perform a reasonable investigation because I didnt submit enough documentation which once again is false, I did submit all the required documentation. Experian states that they contacted the creditor, XXXX XXXX XXXX to verify the accuracy and XXXX XXXX XXXX stated it was accurate. I would like to know how they verify this information. Experian needs to present me all the documentation They received and procedures they performed to investigate my dispute. I understand that filing complaint and after complaint may seem overwhelming however this is the best way to create documentation because when I mail them my letters they always send me a response stating that they dont have documentation for me to perform the investigation.

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 2021-02-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I did set up my account on XX/XX/2020 as an automatics payment. They sent me a confirmation email. The reason why I didn't that is because I was traveling a lot for a camping site where I didn't have internet all the time. So in XXXX a got an email from XXXX saying that my credit decreased and that I had late payment. I got in chock. I have been control all my account for my passed 4 year because I'm looking to buy a house. And I haven't delay any payment. I do have money on my bank account so I didn't need to delay any payment. I tried to contact the Wells Fargo and they told me that the account number I added to be the automatics payment were wrong. I asked them why they didn't call me, sent an email or mail telling me that the payment didn't went thru. They told wasn't they job to check on that. They stopped to sent email after the day I set up my account for AP. After all the conclusion that they couldn't help me I paid off my car and I don't want to have an account with them anymore in my life. But the 2 late payment in my credit report is blocking me to get a better mortgage. All my account are setting up automatic payment. The only one wasn't made my credit report bad.

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 2021-02-11 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: AES/PHEAA
State: LA

Complaint narrative:
My credit was pulled and Fed Loan Servicing reported 90 day late in XX/XX/XXXX and was reported on XX/XX/XXXX. This account was closed and transferred to a different company in XXXX. 
I called Fed Loans was told I had 11 90 day late payments on 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. 

My children was in college in XXXX and XXXX. I should have had in school deferment. 

My file was updated XX/XX/XXXX and I do not have account with Fed Loans

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I previously submitted a complaint to this agency. I was answered by the bank, however my original complaint was not addressed nor was the correct information submitted to me by the respondent. I'm submitting a new complaint to once again address the overly obsessive price of lender placed insurance from Bank of America on my loan modification. 
A representative by the Name of XXXX XXXX answered my original complaint with information that was from XXXX that had nothing to do with my XXXX loan modification for which my complaint was concerning. Im still seeking the bank to honor my XXXX loan modification and its purpose to make my home affordable. Mainly to honor its RESPA and Truth in Lending along with the GOOD Faith. Im just asking for Bank of America to be fair and honor my contract that was signed in 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 2021-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
About the XXXX of XXXX Lakeview Loan Servicing took money out of my account to pay my mortgage. First, my bill is due between the XXXX and the XXXX of every month and I usually pay by check. I tried to resolve this issue with a representative of the organization ( Ms. XXXX XXXX ). Second, Ms. XXXX XXXX said I needed to call a number to get this situation resolved. I did not have any time to call the number because I am taking care of my mother who is sick in Florida. Third, A representative said they called my house number but they couldn't find my cell number. This is the same number this organization was contacting me when they wanted my business. Fourth, a representative closed my claimant without resolving the issue. Fifth, Ms. XXXX XXXX said in the beginning of her email, dated XXXX at XXXX XXXX " Of course you can Mr. XXXX ''. This was in reference to me saying I will file a complaint. ( In my opinion this was her way of saying so what. I am going to do whatever I want and your complaints do not impact me. ) Instead of her saying let 's try to resolve this to protect her company. Thank you for your assistance in this matter. 

Sincerely, 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 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XXXX of XXXX I had seen my mortgage company, phh mortgage, over charging me for my escrow. They said it was being underpaid. However I had told them we have exemptions, homestead exemptions for the state of Texas. I had asked for them to review the account and payments. The representative said they would work on it and have it resolved in 10 business days. 2 months had passed and no assessment or review had been done. On XX/XX/XXXX I had called again wondering what the status was. The mortgage company had no idea of review and I had said I have proof with my tax statement and homestead verification, they asked me to email it and within 10 business days it will be resolved. 1 month had passed and nothing had been done. I had called again and they found my paperwork but had no answers, finally I kept escalating the matter and spoke with a manager that said gave me a 2 day turnaround. Yet still nothing has been done. They have sent over closing documents to my new Mortgage company so i can refinance and they had a XXXX balance that was due on escrow. Even with verified proof, documentation, multiple calls, and months of waiting they have overcharged my account and overbilling my closing statement for roughly XXXX usd. I am about to lose my rates, and money because of their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Reviewed my credit report notice that my Ally loan says its closed and delinquent and I have a letter stating that its been closed. I called them they had me on hold and transferred over an hour. I called back they said the have limited access to my acct because its closed. My loan was under my grandmother and myself. On my XXXX  it states closed and current and on XXXX  and XXXX  closed and delinquent.

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 2021-02-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
your agency gives teh telephone number XXXX to call to get a free credit report. when i called tonight wednesday night about XXXX to XXXX XXXX  i got a robot that said i could get a free credit report if i replied to their questions. so i spelled out my name, address, telephone number, and all those questions. then we got to my birth date.i am a senior citizens. they said put it in 2 digits for month, 2 digits for day and 4 digits for year. i put all those in and it would not accept my birth year XXXX. this is discrimination against senior citizens. i am asking this federal agency to immediuately get after this company for discriminating against senior citizens. i would like all 3 report from all 3 companies but look at the XXXX they put you through. i lost getting this report tonight because they have not programmed their robot correctly. will you help me please. i am so distraught over this. i want my free credit reports from all 3 companies, but this one i started with is discriminating against me becasuse of my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
your agency gives teh telephone number XXXX to call to get a free credit report. when i called tonight wednesday night about XXXX to XXXX XXXX  i got a robot that said i could get a free credit report if i replied to their questions. so i spelled out my name, address, telephone number, and all those questions. then we got to my birth date.i am a senior citizens. they said put it in 2 digits for month, 2 digits for day and 4 digits for year. i put all those in and it would not accept my birth year XXXX. this is discrimination against senior citizens. i am asking this federal agency to immediuately get after this company for discriminating against senior citizens. i would like all 3 report from all 3 companies but look at the XXXX they put you through. i lost getting this report tonight because they have not programmed their robot correctly. will you help me please. i am so distraught over this. i want my free credit reports from all 3 companies, but this one i started with is discriminating against me becasuse of my age.

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 2021-02-11 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient Account XXXX has been charged off for more than 7 years and should be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ECMC GROUP, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX I, XXXX XXXX XXXX, received a call from ECMC ( Education Credit Management Corporation ) violating 15 USC 1692c. I have sent them a Cease and Desist Letter/Debt Validation Letter/Affidavit if Truth/ Invoices and it was sent Certified Mail with a return receipt received and signed on XX/XX/XXXX. Upon XX/XX/XXXX, I was harassed and threaten with garnishment of wages by telephone and received threatening documents, ( violation of 15 USC 1692d ) sent through the mail to my mailing address. According to the The FDCPA I demand remedy for XXXX in a check by mail only. Also they are in Violation of the TCPA which I demand an additional XXXX for each day afterwards, which are the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I seek remedy for this for a total of XXXX in a check along with my additional invoice sent to them. Pursuant to 15 USC 1681 and 15 USC 1692f they have reported false information and I would like these accounts removed with specified remedy pursuant to 15 USC 1692k. This is a Third Party Debt Collector and I have asked for Validation NOT VERIFICATION pursuant to 15 USC 1692g, which they have not produced or responded too. I sent a Letter asking for this information on XX/XX/XXXX with a response from XXXX, not Validating but verifying an " Alleged '' debt. On XX/XX/XXXX, I received an return receipt after sending the Validation Letter, which is attached but they stated on the phone they had not received anything for this year. Still no response received. Pursuant to 15 USC 1692j, According to ( U.S. v.s Throckmorton, 98 US 61, at Pg. 65 ) ECMC has committed fraud and there is no Statue of Limitations on Fraud and I have no contract with ECMC and would like this removed from my Consumer Report pursuant to 15 USC 1681a and payment sent to me. Please help me resolve these matter. Please and 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 2021-02-11 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: LoanCare, LLC
State: NV

Complaint narrative:
I received a letter by CFPB on XX/XX/2021, a response from Loancare, who stated this would all be repaired and could take up to 60 days, yet today, they reported my payment as 30 days late for XXXX, it isn't even 30 days past XX/XX/2021. Since my XX/XX/XXXX is still missing 77 points, XX/XX/XXXX is missing 7points and XX/XX/XXXX is missing 70 points and this isn't something they are taking seriously, I have now lost all patience for this matter and will be obtaining a lawyer.

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 2021-02-11 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I have sent numerous letters to this company attempting to get to the bottom of the debt that appears on my credit report. i never had an account with XXXX  or caine & weiner so i had no ideal where this account came from. I would appreciate your help in contacting them and retrieving a copy of the contract ( if one so exists ) that states this company and I have business together. Please, as this is an issue that has been haunting me since XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: NJ

Complaint narrative:
XXXX Account XXXX has been charged off for more than 7 years and should be removed off my 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 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Draper and Kramer Mortgage Corp.
State: TX

Complaint narrative:
I applied for a loan with Draper and Kramer Mortgage ( DKMortgage ) and completed the initial application form. On XX/XX/21 I received a notice that the application had been denied due to lack of documents. While I was aware that I still needed to provide some documents, I did not know we were in jeopardy of being denied. I did not see any notices from DKMortgage warning of approaching deadlines, and I did not receive a call. Had I known, I would have done whatever was required to turn in any outstanding documents. As a result of the denial, I am prohibited from applying for a loan with DKMortgage for 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I checked my credit report in XXXX of 2020. I saw there was an account opened with Capital One and I never opened that account. This account was opened in XX/XX/2020. I called capital one sent all documentation that was needed fraud affidavit police report and ftc report and was told I need to know who the suspect was. I don't know who the suspect is! I have never opened this account. I submitted a complaint and was told this account was valid. I never lived in XXXX XXXX the number they had on file is incorrect. I called them several times about this account. This is not my account and I will sue capital one. I never had a checking account they have on file. My identity was stolen. This is incorrect information that is reported to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I never had an account with these creditors/collectors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We have been trying to get a payoff on our mortgage from the lender because we are in escrow and are ready to close on a sale but the lender/services has failed to provide a payoff for several months. There was a " Shared Appreciation '' modification agreement signed in 2012. We need an updated payoff with the correct calculation based off of the agreement and the lender has failed to produce this. They're charging daily interest and we have run out of funds to cover in escrow all due to the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: VA

Complaint narrative:
I initially submitted a dispute with Experian regarding the following accounts reporting on my credit report : XXXX # XXXX and XXXX # XXXX. I am a victim of identity theft and notified Experian that multiple inquiries as well as charges were made in my name that I did not authorize. I sent 3 disputes via certified mail, beginning XX/XX/2020 as well as the police report. On both of my XXXX  accounts, there is an inaccurate late period for XX/XX/2020. Before I realized that unauthorized charges were made, I paid my account balance in full. When I disputed for the third time, I even provided Experian with the credit card statements for each account, as welI as my bank statements showing the amounts due, drafted from my account and drafted on time. Despite my disputes regarding these fraudulent late payments and my requests for proof of verification of these accounts, Experian is the only bureau that still negligently keeps these unverified late payments on my credit report. The other two bureaus have deleted these two late payments, as they are incorrect, unverified and fraudulent. It has been 94 days and Experian refuses to resolve this issue and I have even been sent a letter by Experian, stating they will not investigate further, when they never truly investigated these accounts in the first place. FCRA states that any information that can not be verified and that is fraudulent must be deleted. Experians willful neglect of the wrong information on my credit report is not only damaging my ability to acquire credit, but is a violation of FCRA. These late payments need to be deleted or I am fully prepared these take matters to the court, retain counsel and sue for the states maximum for each violation of FCRA.

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