vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I contacted Equifax several mo ago and fax and uploaded documents to them showing my address and my ID card. Plus several police reports and FTC report and file a complaint with CFPB showing accounts were not mine and several address were not mine. No response or any correction to my credit report on Equifax. The address XXXX XXXX XXXX is a fraud account and it shows that in the police report. Then there was a account opened in my name at XXXX XXXX XXXX XXXX in XXXX XXXX SC with a lady named XXXX XXXX, She was a loan officer that worked there and stoled several older ladies Identity. She was fired and charges were bought up against her. She now works for the local XXXX dealer in the area of XXXX XXXX SC. Clearly Equifax doesn't care, But XXXX and XXXX does!! They removed all the accounts and inmmentity blocked them. Now Equifax is showing that XXXX XXXX XXXX, XXXX SC is my main Address!!! Clearly that didn't block or even look into the problem. Now Equifax is showing accounts from XXXX XXXX   that I'm a Authorized User on some account that isn't mine and its gone in defaulted! I asked 4 mo ago to please remove this account, because I'm not the card owner and they stated they would remove it and block those accounts. Never happened! Now theres a XXXX account on my report thats not mine, showing it was opened in XXXX of XX/XX/XXXX. Not Mine. Again they stated they would remove it and block it. Never happened!! The next step is filing legal action against Equifax in my local area for abuse and cost. My husband is a XXXX XXXX in the State of NC and he's ready to file today. They never do anything they say there going to do. FTC told them to remove and those account now and block the address of XXXX XXXX XXXX XXXX SC. If this doesn't get resolved in week from now i will file those papers against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: NC

Complaint narrative:
In XX/XX/XXXX I finished consolidating my student loans being serviced by Department of Education/XXXX XXXX, then in XX/XX/XXXX I requested to be a part of the Public Service Loan Forgiveness Program ( PSLF ) and Income Based Repayment Plan ( IBRP ). By XX/XX/XXXX XXXX XXXX transferred by consolidated loan to Department of Education/XXXX XXXX ( PHEAA ). I noticed that once my loans were transferred to XXXX my newest account/balance/revolving payments are missing from my credit reports and my closed older accounts show incorrect balances. I have attempted to reach XXXX XXXX to request correct credit reporting, however, the electronic phone system will not allow me to speak with a representative and emails I send to XXXX 's account info remain unresolved. I am requesting that my account with XXXX be reviewed and correct loan information be reported to the credit bureaus as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/18 I went into the XXXX XXXX XXXX XXXX inquiring about financing to buyout my lease. Since I had leased my Jeep with them previously, I asked what interest rate they could offer me based on an excellent credit score. About a month later I find on my XXXX XXXX that XXXX XXXX XXXX  ran my credit and made 3 HARD inquires that negatively affected my credit score. The inquiries were with XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX. I've contact the dealership numerous times as well as the credit bureaus to have these hard inquiries removed since I did not authorize. I would like to have these removed immediately since they will stay on my record for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have an account with SUNTRUST mortgage since 2005. I have never been late on the payment because my payments are automatically withdrawn from my account. For the past XXXX months i have been charge late fees due to errors in the SUNTRUST mortgage department. I am being told that payment are put in some sort of account because Suntrust reports they did not know where to apply the funds. Their response is very questionable since the draft payment have the mortgage account on it. I have called and have the error corrected in the past. but the problem continue to happen. I am in the last phase of paying off my home and based on evidence based actions from the bank and on my experience, the Bank is making errors so that it will not happen. I am not sure what other options I have since I am soon to be in my XXXX 's and not sure if i will qualify for another mortgage. I am very concern I maybe the subject of elderly discrimination with this bank. Please review my complain and advise what are my options. Also after speaking to the Bank representative, they want access to my account. I am very concern and will not permit the Bank access to my account because of the potential of Banking errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: NV

Complaint narrative:
XXXX XXXX with Atlantic Recovery Solutions calling from XXXX trying to collect a debt from a Mastercard unbeknownst to me. 2 years ago all of my information was apprehended and used to try and file taxes in my name, to make matters worse my phone number has been tied to 3 online breaches in the same year. Since then these calls have become more rampant and I am trying to dispute errors on my credit reports. He has now resorted to calling my husband which is definitely not okay. The second number I listed is the number he called and left a message at today. I would like this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA is stating that I didn't pay XX/XX/2019 car loan payment and that the payment was reversed. I tried to pay via my wife 's account and although they debted her account they sent a check because we made one also via my USAA account. It states on my account the payment was reversed, but I never receieved a refund to my account with USAA. I only received a check from the attempt to take from my wife 's account. Now they are saying I never paid XX/XX/2019. They took from my account and never gave me a refund to my account. So now I'm out XXXX dollars They also reported my account late for 30 plus days over XXXX cents instead of informing me I was late on XXXX cents. I never receieved notification that I was short XXXX cents. Now I have a late payment on my account for XX/XX/2019 and they are claiming I never paid XX/XX/2019. Nothing makes sense.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage. I refinanced my condo in XX/XX/XXXX. I received a letter XX/XX/XXXX requesting proof of XXXX insurance. I purchased XXXX insurance XX/XX/XXXX and provided proof to Freedom Mortgage. I received a second letter asking for insurance from XX/XX/XXXX to XX/XX/XXXX or I will be fined over {$500.00}. I contacted my agent and informed him I was not informed to purchase XXXX  during closing. I looked over the closing documents it states fire insurance my HOA master insurance cover fire insurance which Freedom Mortgage has on file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: AES/PHEAA
State: MA

Complaint narrative:
I am a XXXX XXXX. I have been part of the Public Service Loan Forgiveness program for many years. When I came out of XXXX  school in 2009 with a XXXX XXXX in XXXX XXXX I had about {$92000.00} in student debt. I have been a XXXX for these last ten years paying as much as I can a month. Over {$500.00} per month for the last several years, my wife is in the same boat. The amount of money we pay each month is close to {$1000.00}, like having another mortgage. This has kept us from purchasing a home, but we were willing to pay because we are so grateful for our education. I pay currently {$540.00} a month, which is less than the interest on the loan. I'd wager that I have paid between 25K and 35K in the last 10 years, but my loan ( originally XXXX ) is now XXXX. All that money paid and my total has only gone up ... XXXX XXXX dollars. The promise of forgiveness has kept me focus on working hard and paying, even though my balance each month goes up after I send them 100 's of dollars. 

To see now that others have completed the program but are being denied forgiveness is totally terrifying. I feel that we were all lied to, and that our future is in jeopardy. The Attorney General seems to be the most focused on this outrage of anyone in the country, and I feel very lucky to be a Massachusetts resident. I need your help, and would like the support of the CFPB to protect my family, and make sure that the promises were made to us over ten years ago are kept. 

We became XXXX to help make our communities better, we ignored the chances to make more money in order to give back, because we believe in public service, just like you who are reading this. The ability to be free from these debts after our 10 year commitment, and the chance to by ourselves a small house somewhere and get a dog should not be outrageous dreams that are unattainable. 

Please let me know what I need to do, and I will do it. And thank you so much for this chance to fight back and not be bullied by these crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I had a decrease in my salary last year because of my employment changing. My previous employer laid me off because of the company down sizing. I've requested a mortgage modification and submitted my financials several times to my mortgage servicer Caliber Home Loans.They have sent me 2 modification offer with trial payments plans. 1st-Trial payment plan for XX/XX/2018 gave me a payments but they were filing a private mortgage insurance claim in the amount of {$51000.00} per Customer Service Caliber Loans, at that time I was delinquent {$3300.00} why is Caliber filing a PMI claim in the amount of {$51000.00}. I filed a consumer complaint and resubmitted a modification request with financials to caliber. I received XXXX the 2nd Trial modification with the trial payments, I called Caliber Mortgage Customer service they stated hey were filing a private mortgage insurance claim in the amount of {$39000.00}. my mortgage is delinquent in the amount of {$9000.00}. Again why is Caliber mortgage filing a private mortgage insurance claim for that amount when I'm not delinquent for that amount. I want to pay my mortgage obligation but I don't want to be taken advantage of financially. See Attachments Please! Please! Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: TX

Complaint narrative:
Navient 's website now forces borrowers to pay a month in advance ( payments that are not even yet due ) before it will allow them to make a payment on a past due amount - even if only past due by 1 day. This happened to me in XX/XX/XXXX and XX/XX/XXXX. Each month, I logged in to make my payment and was confronted with a screen saying I had a past due amount, but that in order to pay it, I also had to pay the NEXT month 's amount due as well. No option is given to simply pay the past due amount. An amount that was past due by one day in each month. This is a deceptive trade practice, and Navient should correct the issue immediately. Customer service representative on XX/XX/XXXX told me there is nothing they can do about it, but agreed that " it's dumb. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: OH

Complaint narrative:
a XXXX bill would not remove my month in advance payments and did not cancell i took them to court small claims and one got letter from them saying it was off my credit report 2 years later a collection agency wants this money check my credit report it is not on it the agensy is trying to scam me out of money XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I paid for a fraudulent service and my bank would not give me my money back even after i provided them with evidence stating the merchant would give me my money back.This event happened in 2017. Since then I have been trying to sue the individual and he has been unresponsive and not accepting court documents. Before attempting to sue, my bank did not give me my money back. I called them several times and requested a call back from the investigator but the investigator put notes in the system that my phone kept going to a busy signal.

Now that its been a year and ive tried various attempts to get my money back My bank is claiming that the claim is too old to reopen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: WA

Complaint narrative:
I paid my account on time using their website and 30 days after the website notified me that i had paid my account on time the company notified me that they never received my payment. This caused a 30 day late pay to be put on my report. Which has caused me to not get the best rates possible for my home loan. I have tried to get the reporting corrected by going thru the credit bureaus but have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: NC

Complaint narrative:
The following events occurred over the last 17 years which I believe led to the my identity theft. In XXXX I lost my social security card, in the year XXXX I was affected by the XXXX data breach, XXXX I was affect by the XXXX XXXX security breach on my account for my children, XXXX I lost my wallet which included my state issued drivers license and other information and I lost my social in the year XXXX as well. I believe the above events led to thieves using my identity to open the accounts reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 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: GA

Complaint narrative:
XXXX XXXX Credit card was open in XX/XX/XXXX and is currently in charge-off status. The 3 credit bureaus are only reporting back to XX/XX/XXXX. I am trying to confirm how this account was opened, online, in person or via mail, etc. I am also requesting payment history between XX/XX/XXXX and XX/XX/XXXX. I believe the date that this account should have stopped reporting has passed. I have attempted numerous dispute to obtain and verify information regarding this account. The result of the disputes is always updated with insufficient information. Please verify the creation of this account and provide payment history between the origination and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: GA

Complaint narrative:
XXXX XXXX Credit card was open in XX/XX/XXXX and is currently in charge-off status. The 3 credit bureaus are only reporting back to XX/XX/XXXX. I am trying to confirm how this account was opened, online, in person or via mail, etc. I am also requesting payment history between XX/XX/XXXX and XX/XX/XXXX. I believe the date that this account should have stopped reporting has passed. I have attempted numerous dispute to obtain and verify information regarding this account. The result of the disputes is always updated with insufficient information. Please verify the creation of this account and provide payment history between the origination and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Unable to access mortgage account online. On XX/XX/19 called customer service, spoke with them and tech support twice. After I ended first call and was able to access online account, I was still unable to access " mortgage statements. '' Online system showed that it could not verify me, and wanted to send an access code. I never received the access code. This prompted my second call. I was told my mobile phone ( which had been added to the mortgage account, with a text received that indicated my cell was added ) is ineligible to be added to my mortgage account because it is a company phone. Note : I pay my company for personal usage, and this is my only mobile number. At one point while speaking with the customer service representative I was told I could go to an ATM with a Wells Fargo Debit Card or Credit Card and this was going to make my phone number eligible. 

This seems very suspiciously like a way Wells Fargo is making mortgage clients open credit card and or savings/checking accounts. Which is wrong, very 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 2019-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Once in XXXX and twice in XXXX of 2019 I asked my loan servicer, XXXX on behalf of Citizens Bank, for a copy of my original promissory note. My loan payments have gone up twice, and I believed that I signed up for a fixed rate loan for 15 years, as opposed to a variable interest or graduated. I am simply asking for proof of my requirements to make these higher payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: WA

Complaint narrative:
Last year 2018 I tried XXXX XXXX  and they did nothing to fix my credit. I spent about 800.00 and nothing. I feel ripped off as not one thing done did anything to fix my credit Fraud scam

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: NC

Complaint narrative:
The following events occurred over the last 17 years which I believe led to the my identity theft. In XXXX I lost my social security card, in the year XXXX I was affected by the XXXX  data breach, XXXX I was affect by the XXXX XXXX security breach on my account for my children, XXXX I lost my wallet which included my state issued drivers license and other information and I lost my social in the year XXXX as well. I believe the above events led to thieves using my identity to open the accounts reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The following events occurred over the last 17 years which I believe led to the my identity theft. In XXXX I lost my social security card, in the year XXXX I was affected by the XXXX  data breach, XXXX I was affect by the XXXX XXXX security breach on my account for my children, XXXX I lost my wallet which included my state issued drivers license and other information and I lost my social in the year XXXX as well. I believe the above events led to thieves using my identity to open the accounts reported.

Company response to consumer: Closed with non-monetary relief