vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I got a {$500.00} loan from XXXX XXXX in XX/XX/XXXX. I agreed to pay weekly on Fridays. Mid XXXX I had fraud issue with my bank account so my account was delinquent until i fixed it towards the end of XX/XX/XXXX. During these couple weeks XXXX would not let me pay my weekly payment with another form of payment. So I had to put a stop payment so i would not keep getting fees from my bank. Once I had my account back in order I tried to resume may payments. For 2 weeks in a row my attempts to pay got rejected. It was very difficult to get in contact with a person to figure out what was going on. Once I finally did my payments resumed ( XX/XX/XXXX ) except they told me my loan payments would be restarted since I had missed a few payments, which I think is unfair because I did contact them to try to pay. For 4 weeks from the end of XX/XX/XXXX to mid XX/XX/XXXX I missed payments ( XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX ). Since XX/XX/XXXX I have been making my payments weekly as they are drafted out of my checking account as a check every Thursday now for {$9.00}. My credit report currently says that I am 120-149 days past due. I have called XXXX about this they told me I would just have to dispute it. I have disputed it several times of different platforms and my account continues to not be updated. This is really hurting my credit score.

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 2019-05-15 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:
I was victim of identity theft, somebody stole my personal information to get medical care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
While making a purchase at Kohl 's, the cashier asked if I had a Kohls credit card to help save money. I said I did and apparently the account was closed due to inactivity, which I was unaware of at that time. The cashier then had me confirm my information on the key pad and reopened the account without my permission. The purchase was charged to this account and the cashier told me there was nothing he could do to reverse it. I was under the impression I had an account and was trying to receive a coupon. I did not want to open a new account or charge the purchase as I was making the purchase for the company I work for. They opened a new account without my permission. I tried to resolve this issue with them by phone and was told there was nothing they could do but close the account. I did not want to open an account as it will affect my credit score. I would like this account off of my credit report, as it is not one I authorized to be open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Sent verification letter to XXXX XXXX XXXX on XX/XX/2019, never recieved verification on Debt. Wrote original creditor XXXX XXXX and the sent letter back saying they had no information on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have a Walmart Store Credit Card where I am being charged for goods I did not purchase and the store will not credit my account, issue me an accurate statement so I can make timely payments as I always have and keep the account open.

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 2019-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Since I emailed the following, Ive spoken to lender. Per point of contact, they refuse to negotiate on the interest rate. If they would lower the interest rate, it would be more in line with what I was told before applying for remodification, and more affordable. 

From : XXXX XXXX <XXXX> Date : XX/XX/2019 at XXXX XXXX EDT To : XXXX Subject : IMMEDIATE RESPONSE NEEDED RE : LOAN # XXXX ; LOAN MODIFICATION ; Dear Shellpoint Mortgage Servicing ; I received the Loan Modification Agreement packet today, XX/XX/2019. I've had a chance to review it, and I have to say that I'm very concerned/shocked at the terms stated. 

Here are my concerns and unacceptable terms : 1 ) The purpose of the modification was to lower my monthly mortgage payments since I'm now widowed. I was told by my previous Point Of Contact ( SPOC ), XXXX XXXX, that a modification would lower my mortgage payments. This agreement states they'll be higher. 

2 ) My late husband is still listed as Non-Obligor on the agreement. I'm not sure of the significance of this. Please advise. Per your request, I've sent you a copy of his death certificate twice : once with the application for loan remodification ; and a second time via FAX # XXXX. 

3 ) I have a current interest rate of 3.75 %. This remodification agreement has gone up exponentially to 4.625 %! It is unacceptable to 1 ) increase my interest rate, and 2 ) if this is due to credit score, XXXX XXXX told me that any drop in my credit score due to death of my husband or my finances has no bearing on this remodification. The current average 30 year fixed mortgage rate of 3.75 % to 4.05 % is substantially less than what you've stated on this agreement. 

****This new agreement must at least match or slightly increase on what I'm being charged now : 3.75 %. This will lower my payments. I feel as if I'm being taken advantage of as a widow, and of my circumstances. After all, lowering my monthly payment was the main purpose of going through this arduous ordeal. 

4 ) The trial period plan stated that my first payment under the new remodification would be in XX/XX/2019 which was reiterated via phone call with my SPOC. This agreement states the first payment will be due in XX/XX/2019. 

Please get back with me just as soon as possible to remedy the concerns as I have to get this monthly payment and interest rate lowered. 

Thank you for your prompt attention to this very important matter ... .. 

Sincerely, image1.JPEG XXXX XXXX XXXX XX/XX/2019 cc : Consumer Financial Protection Bureau , XXXX XXXX XXXX, XXXX IA XXXX ; Bureau Of Consumer Protections , Federal Trade Commission , XXXX XXXX XXXX , XXXX, Washington DC XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
On XX/XX/19 I received a phone call from a representative regarding a debt with XXXX. She asked my name, I then asked who was calling. She refused to identify herself by name, which by law, she must do regardless. In fact, that is the ONE thing a collections representative must do as well as notify the consumer that the call is being recorded. I am very well aware of collection call laws, considering my wife does XXXX XXXX and XXXX for a XXXX XXXX XXXX.

My wife placed an anonymous call to the company to request what type of  company this was and they refused to ID themselves as a collection agency. No specific information was requested regarding any account or other information, simply asking the company type which they failed to do. The representative then hung up on her for no reason - she was not raising her voice, threatening or cursing at the representative in anyway. She herself called on a recorded line and can provide this information to a lawyer. 

This company needs to be looked into regarding their collection practices. 
I am well aware without giving proper consumer verification they can not provide specific debt information, but when asked their representative name, their company name and the type of company they are, they need to provide that information. That information is not sensitive and does not violate any law. 

The debt in question is valid, that is not the issue. The issue is their choice of collection practices. It is borderline harassment - hanging up and refusing identification of themselves violates FDCPA laws. If I receive any further calls from this agency I will go to a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Tried to unlock my credit report using the XXXX XXXX XXXX application on my smart phone but the application threw an error stating " Please give us a call! '' ( Attached Error ). I then called the number listed and was on the phone a total of 2 hours and 31 minutes. I was transferred 15 times. Each time, the rep would ask have to verify my identity by asking a series of questions about my credit file to proceed. 10 minutes or so later, they would inform me that even though they validated me, they were not the right person to resolve my issue. I was told by some that the application isn't working for anyone and they would transfer me to a person who could help. Only to have to go through my problem over and over and no one able to help. Transferred offshore/onshore/offshore/onshore so many times. Finally I got a female who stated she was in the USA ( I specifically asked for a USA rep to help me ). She was nice but after asking me the same series of identifying questions I'd answered 14 times earlier, she tells me that my answers didn't match and that I'd need to provide my drivers license / social security card ( or other documents ) in order to have the freeze/lock removed. Again, comical at this point, but she agreed to send me an email and I'd could provide the documents instantly. A matter of minutes later, I got the email and replied with the documents requested. She then inform me that this would all be done electronically and I'll need to give it 15-30 minutes. I asked how could she be sure it will get resolved after all, no one else seemed to have the capacity or skillset to do so and kept telling me it was a system issue preventing them from removing the lock. She stated that's not true and she will take care of shortly. Equifax continues to be a pain in the side of so many consumers. I actually pay for a product to monitor and check my credit report daily. It hasn't worked in 2 weeks and I was told a few days ago it would be escalated and resolved " shortly ''. No such thing. I wish consumers had another option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: TN

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past 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 2019-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Starting XX/XX/2019 I attempted to get an FHA loan in order to purchase the house I currently rent. Initially I was informed of closing cost, liquid assets needed, and the basics of the fees and process. This process sounded very basic cut and dry and at first the people I dealt with through Quicken Loans office in Michigan were great to work with. But then this process continued to drag on for 5 weeks with everyday more money required. We even had set 4 closing dates and at the last minute I would be told that I had lost approval again and this amount of money would clear it up and get it on track. The final attempt was when I received a call stating the day before closing, that I had lost approval again and would need a minimum of {$1500.00} to get it back on track. I stated that I could not afford anymore. The gentleman then asked what I would get paid on my next paycheck. I told him {$1100.00}. He replied that would do. How has it needed a minimum of {$1500.00} but suddenly {$1100.00} would do. I replied that I still had bills to pay and had to live. He replied that I should hold off paying my bills and close on the house. No reputable lender would ever suggest not paying your bills. That is when I called it quits. I have since found many complaints regarding this specific office location. I called our local title company to see if they had had any issues with this process on their end. They had never received full disclosure of fees themselves and had even found that their compensation was set to pay to Quickens own title company rather than this office that was selected to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Credit Corporation
State: TX

Complaint narrative:
I was at XXXX and buying breakfast for my XXXX daughters 's the total came to be XXXX $ The credit card has {$19.00} in credit so I assumed that since you have the credit you can use it, Well Guess not. They declined the transaction cause I missed my due date by two days??? Even though I scheduled the online payment. Keep in mind I never missed a payment. In any credit card there is a grace period!! and in what law that you have a credit on your CREDIT card but you can not use it!!! 

I talked to XXXX and he literally did not give a XXXX about what I had to say. all that he kept saying I will get your complaint to our escalation team. 

The emotional stress that I had to go through is priceless. Where in the world you can not use your credit if you have it on your credit card????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Company in question : Lakeview Loan Servicing ( subservicing by XXXX ) Goal : Obtain documentation from XXXX where overpayment of monthly mortgage is going. 

Issues : 1. From my bank I send {$1000.00} monthly ( fixed amount ). XX/XX/2019 I received an " annual escrow account disclosure statement '' dated XX/XX/2019 which raised questions. 
2. The monthly fixed amount I pay for my mortgage is NOT correctly recorded at XXXX ( see info further below ). They are recording {$1000.00} - {$22.00} less than my actual payment. 
3. I have no idea where the over-paid amount is going. 
4. I can not reach the staff at XXXX. When I phone, a message says they are having " technical difficulties '' with a " one hour  wait '' and to " call back in two hours ''. The web page to submit a written message does not work ( no form, nothing ). There is no other way to reach this company unless I write a letter. 
5. No history of the actual fixed monthly payment amount from my bank ( {$1000.00} ) is documented on the website. 

As I have not checked my account at XXXX in over a year, I logged on. NO WHERE at the site does it record the {$1000.00} ( i.e. payment history, escrow, etc. ). There is NO history of ANY of my monthly mortgage payments ( that I could find ). 

Example : I paid {$1000.00} on XX/XX/2019, but the site ( see below ) shows {$1000.00}. This is a difference of {$22.00} on a monthly basis. 
XXXX Last Payment Received XX/XX/2019 Principal {$260.00} Interest {$490.00} Escrow {$300.00} _____________ Total {$1000.00} =================================== The XXXX   website " payment history '' screen does NOT show the {$1000.00} payment for XX/XX/2019 ( or any date from that matter ), nor the overage payment of {$21.00} ( or where that money went ). 

See example below from the website " payment history '' page. 
================================================== Due Date XX/XX/2019 Applied Date XX/XX/2019 Description MortgageInsuranceDisb Principal {$0.00} Interest {$0.00} Escrow Paid $ -XXXX AmountPaid $ -XXXX Escrow Advance {$0.00} Escrow Balance {$740.00} Principal Balance {$150000.00} ==================================================

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 2019-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I have been back in school since XXXX of XXXX. I transfered schools from XXXX XXXX XXXX to XXXX  University for XXXX in XXXX of XXXX. I have called the school and asked that they update my status as a XXXX XXXX XXXX and they stated that they did several times already. I have call Navient several time to let them know that I am in school and that I shouldn't have to make my monthly payments. I was told in XXXX or XXXX that in order to get my account up to date I had to pay the past due amount which was around two- three hundred dollars. When I told him I couldn't pay that he said that was the only way to get my account current, unless I do a forboance. I reluctently agreed because I didn't want my credit damaged any further by having my student loan payments showing late. As of today I am in grace peroid but I have captialized intrerst on my account for XXXX and XXXX because I was all but forced to take a forboance to get my account up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC
State: CA

Complaint narrative:
This morning I received a message at my place of employment ( XXXX ) XXXX from XXXX XXXX supervisor from Atlantic Recovery Solutions letting me know that I havent made a payment since XX/XX/2019. And he wanted me to call him back to make a payment arrangement before XX/XX/2019 or else he was giving back the account to his client so that they file suit against me. Scared to death, which for the record this is the THIRD notification to this company advising them that I am NOT allowed to receive personal phone calls at work. I called XXXX back and let him know please dont call my job that he needs to call my personal cell number and I asked for my account number so that I can make a payment online he said no he wasnt giving it to me that I needed to pay off the balance of {$500.00} I told him no that I dont have that and that I will make a payment online he kept telling no about account number when I asked for it and that he was making a note that I refused to make a payment, and threatened me that the next step was wage garnishment. I let him know that I am not refusing I am asking for my account number and he wont give it to me. I also let him know he cant do that as along as I make a payment. He told me I dont know this work " honey '' and I told yes I do he hung up on me. I called him back asking for my account number he wouldnt give to me that I have to make a payment over the phone I let him know I dont give my credit card information over the phone but that I will do it online he said no because back in XX/XX/2019 I suppose to make a payment online and I didnt I let him know that I honestly got side track do to me being at work but that I have everything ready to go on my computer screen I just need my account number he once again said no that I have to pay the full amount of XXXX right now over the phone. I told I dont have that but I will make a payment online and he said no and hung up. I have never felt more threatened, disrespected, and intimidated in my entire life.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Many late mortgage payments are currently being reported to all three credit bureaus by Wells Fargo Home Mortgage and those late payments are showing up on my credit report. The property ( XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) was deeded to my ex-wife, XXXX XXXX, on XX/XX/2013. I was not financially responsible for the property at the time the late payments were made. I have contacted Wells Fargo Home Mortgage multiple times to resolve the matter and have never had the situation resolved. I am requesting that all of the mortgage late payments be removed to correct the information. 

Property Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX Account # 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