vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 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: GA

Complaint narrative:
XXXX XXXX XXXX Reported :XX/XX/2020 {$980.00} Needs Attention No contracts exist ... Account was settled with creditor ( no valid claims ) I want it removed. False information is being reported. 
I challenge the accuracy, compliance and reportability of these listings. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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:
I have just recently looked over my credit report and I noticed some inaccurate accounts that are being reported on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how someone would have access to my credit report and because of this, I have no chance of gaining new credit. Please conduct a re-investigation into this issue and have those derogatory accounts removed from my credit 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 2020-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Loancare completed an escrow analysis on my home mortgage XX/XX/XXXX. However, the escrow analysis was inaccurate and will result in an increased escrow payment and a higher mortgage payment. The anticipated escrow disbursement for the period of XX/XX/XXXX through XX/XX/XXXX ( 12 months ) is {$5900.00}. This amount includes property taxes in the amount of {$4800.00} and hazard insurance in the amount of {$1000.00}. The projected beginning escrow balance as of XX/XX/XXXX is {$3200.00}. This results in a required escrow amount/escrow shortage of {$2700.00}. Loancare 's escrow analysis statement erroneously indicates a required escrow amount of {$2400.00} ( a difference of {$230.00} ). The required escrow amount of {$2700.00} 12 months results in a new escrow payment of {$220.00}. The two month required escrow cushion is {$220.00} XXXX months equals an additional escrow cushion payment of {$37.00} for 12 months. This results in a new total escrow payment of {$260.00} for the period of XX/XX/XXXX through XX/XX/XXXX. On the contrary, Loancare 's escrow analysis indicates a projected escrow payment of {$490.00} a difference of + {$230.00}. This amount was derived by spreading the anticipated escrow disbursement for the period of XX/XX/XXXX through XX/XX/XXXX over 12 months ( {$5900.00} XXXX {$490.00} XXXX. Please be advised this algorithm/calculation does not reduce or subtract the projected escrow amount/balance of {$3200.00}. In addition, this calculation would result in Loancare holding escrow funds in the amount of {$9200.00} an amount substantially greater than the projected escrow disbursement of {$5900.00}. 


To further complicate the servicing of my home loan, it appears Loancare is in the process of issuing an escrow refund in the amount of {$760.00} although the escrow account has a required escrow balance/shortage of {$2700.00}. This is improper servicing of my mortgage loan and should be remediated expeditiously. 


Due to the inconvenience, I would prefer Loancare stop payment on the expected escrow refund disbursement in the amount of {$760.00} as I will not deposit the funds into my personal account. I would like the escrow analysis to be redone with the appropriate trial balances and the new escrow payment and mortgage payment adjusted accordingly and correctly. It is my recommendation that Loancare review it's escrow analysis process and algorithm to ensure consumers are not impacted by inaccurate data and calculations. Unfortunately, servicing errors such as this commonly result in borrowers defaulting on their mortgage loan due to unnecessary increases in the mortgage payment amount.

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 2020-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Shellpoint Mortgage Servicing took over my loan and 3 months in they are AWFUL. They keep hounding us about our proof of insurance on our condo in not acceptable to them. This is the insurance that the home owners association buys for the entire complex and has been fine for everyone else 's mortgage companies. At first they complained they didn't have a copy of our proof of insurance. Understandable since they took over the mortgage from another company. Not sure why they didn't get that from the company they took the mortgage from and make it MY problem - their new customer, but whatever. Sent them the paperwork that has worked for every other mortgage company. Second warnig said they still did not have " acceptable '' proof of insurance. After calling them, they wanted more detail information of insurance on my specific building which we provided. Final warning they said they found the hazard deductible unacceptable to their standards. ( turns out they were looking at the policy covering the wrong building - a garage and not my actual building ). Finally they sent me a notice they were putting a charge to my escrow account to pay for insurance. These people are crooks and should be shutdown. A simple websearch will tell you how bad this company is.

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 2020-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONRAD CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I sold a pick up truck ( XXXX XXXX XXXX Vin # XXXX ) to Mrs. XXXX XXXX XXXX XXXX  XXXX for {$4500.00}. Have all the sale documentation ( Title- release of liability, CA DMV  Notice of transfer, CA DMV  release of liability, copy of her XXXX XXXX /XXXX  ID ). 
On XX/XX/XXXX I received a " Notice of pending Lien Sale '' for vehicles under {$4000.00} from the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. I contacted the Towing company a few days after to clarify this situation to what they mentioned that if I had all the paperwork on hand I wasn't going to be liable for any further issues. 
Now this past Tuesday ( XX/XX/XXXX ) I'm being notified that my " account '' has been sent to collections. 
I tried to reach out to CONRAD Credit Corporation in XXXX to fix this but nobody is answering my calls and their web site doesn't really provide any options to dispute this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
I am requesting assistance with my auto loan due to my physical and financial hardship. I am a XXXX XXXX   XXXX United States XXXX veteran XXXX XXXX XXXX XXXX I am on a fixed income and had someone else helping to pay for the truck. But the other person injured their back and they are a XXXX XXXX   XXXX veteran also and now we are struggling to make ends meet. I served several combat tours in XXXX and XXXX with the XXXX XXXX XXXX from XXXX XXXX, XXXX  and now settled in XXXX, XXXX the town outside of XXXX XXXX, XXXX. I really need the vehicle for transportation and please request some type of assistance program. My budget is not tight as I am struggling to pay my mortgage payment and pay the electric bill and buy groceries. We just had a newborn babe and finances are limited to make sure diapers and baby food can be purchased. 
I am attaching my military XXXX XXXX letter  as proof of my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp
State: NY

Complaint narrative:
Disputed : XXXX/XXXX/XXXX CFPB : Lending Club Corp & XXXX XXXX XXXX XXXX Account : XXXX In XX/XX/XXXX I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : Lending Corp with an  balance of {$15000.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$15000.00}.

I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication. 
On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer of installments payments to the creditor made on XX/XX/XXXX for the remaining balance was declined by the creditor of which I am grateful,, my financial accounts highlights that the reporting balance is incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I was informed today, by letter, that Chase Bank has sold my mortgage to XXXX XXXX   XXXX. This company is a debt collection company fronting as a mortgage company. I looked for reviews on XXXX and found an over abundance of terrible rating complaining about things such as charging fees for paying mortgage, inflating escrow payments and poor customer relations. 
I don't want my mortgage to sold to a cut throat debt collection agency posing as a mortgage company. There are literally hundreds of on line complaints ; where is the federal government?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: CA

Complaint narrative:
Transunion is reporting this company on my credit report as a collections account : US DEPT OF EDUCATION XXXX # : XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX Date Opened : XX/XX/2010 Balance {$700.00} I filed a dispute in transunion because this company does not own the loan, this loan was transferred to another lender. 

Transunion replied that I account was verified as mine they never read my dispute.

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 2020-03-07 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: HI

Complaint narrative:
Experian is reporting information incorrect on my credit report. I call and sent a certificate letter. XXXX   XXXX  XXXX XX/XX/2013. This is not my account. Fraud

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 2020-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I started my loan with XXXX XXXX  and recently my loan got sold to Freedom mortgage. XXXX states that they sent me a goodbye letter, which I never received. I heard absolutely nothing from freedom mortgage. I went to pay my bill on the first like I always do and XXXX wouldnt accept the payment just a AS OF XX/XX/2020 YOUR LOAN HAS BEEN TRANSFERRED TO FREEDOM MORTGAGE alert came up. So I went to their website and I needed a loan number. I called them and they said it wasnt available. I asked the representative when would it be ready and she said after the XX/XX/XXXX. I called back on XX/XX/XXXX only to be hung up on once, transferred to a supervisor and advised by the supervisor to call XXXX. I need to pay my bill on the first of every month due to my budget and spending plan. Whats going to happen is, it wont be ready till the XX/XX/XXXX-XX/XX/XXXX and Im going to have to pay it again on the XX/XX/XXXX which paying XXXX within 2 weeks of each other is going to cause serious financial damage to me and my family. I need someone to take care of this. 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 2020-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arete Financial Group
State: NY

Complaint narrative:
Disputed : XXXX/XXXX/XXXX CFPB : XXXX XXXX XXXX & Arete Financial Group LLC Account : XXXX In XX/XX/XXXX I contracted the services of Arete Financial Group, LLC a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : XXXX XXXX  with an original debt of {$6300.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$5700.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication. 
On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer to the creditor on XX/XX/XXXX to pay off a remaining balance of {$6300.00} was declined by the creditor of which I am grateful as my financial accounts highlights that balance as being incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed and I request that the amount owed be corrected to reflect the payment made of {$600.00} via the consolidation company and report the actual correct balance of {$5700.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-07 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I call and sent Experian proof about inquiries XXXX XXXX XXXX XXXX XX/XX/2019 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 2020-03-07 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: Peoples Commerce Inc
State: PA

Complaint narrative:
I bought a car in XXXX from drive here.com to only find out in XXXX that I was leasing the XXXX vehicle. I was told to pay an extra {$100.00} a month as an insurance for repairs when needed. When the car broke down ( transmission blew ) I returned the vehicle for repairs and the company refused to fix it. As of today XX/XX/XXXX, the company is reporting the repo as new XX/XX/XXXX, ( last report date ) the original repo date is XX/XX/XXXX, Inaccurate Balance reporting at $ XXXX but over the phone they say I have a balance of {$2000.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: CA

Complaint narrative:
Loan Debt was fully paid but the company still stole/repossessed my car. When I contacted them they told me that they had already sold it and if I wanted to get a lawyer good luck with that, ( XX/XX/XXXX ). Then I continued to receive notices from the Department of Motor Vehicles as if the car was still in my name. Then most recently I received a notice from the California Highway Patrol that the car ( still in my name ) had been repossessed ( less than a month ago in XX/XX/XXXX ). After speaking with an employee of the CHP they said that there was no hold on the car and I could go get it from the tow yard it was being held at. I called the tow yard and they demanded " X '' amount for the car. The company Title-Max has been paid twice for one loan, didn't transfer the car as required by law appropriately, and I still am without vehicle as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
XXXX is reporting this company on my credit report as a collections account : US DEPT OF EDUCATION XXXX # : XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX Date Opened : XX/XX/2010 Balance {$700.00} I filed a dispute in XXXX   because this company does not own the loan, this loan was transferred to another lender. 

XXXX replied that I account was verified as mine they never read my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I've been trying to get information from Equifax for the last 3 weeks since XX/XX/XXXX regarding an inaccurate reporting on my credit. The account they are reporting dropped my credit score by 112 points. I have plenty of documentation from XXXX proving that what is being reported by Equifax is inaccurate and XXXX has sent and resent the information to Equifax multiple times. I have letters, bank receipts, confirmation numbers, reference numbers and everything from XXXX and Equifax refuses to give me any information regarding a dispute. Equifax is reporting I have a {$170.00} collections bill that still has an open remaining balance of {$170.00}. This account was closed and PAID IN FULL with a {$0.00} balance directly to XXXX. I had even made a payment on XX/XX/XXXX to XXXX XXXX XXXX and this account says it started on XX/XX/XXXX. How is it possible to be paying a company and have Equifax report a collections account?!?! I have filed disputes with all 3 credit bureaus. XXXX  and XXXX  resolved the issue immediately ( removed from a credit report with a fully restored credit score in the 700s ), however, Equifax refuses to provide me with ANY information. Every time I call the company, I get someone who doesn't speak any English reading from a literal script. I've been hung up on twice for no reason. When I ask to speak to a supervisor, they either hang up on me or tell me one is not available. I am forced to provide my entire Social Security Number and information that neither of the other two Credit Bureaus ever asked for. My security is at such a high risk with this company. I just want one simple account to be removed from my credit report just like the other two companies did. I can't even access Equifax 's website to do anything because it doesn't work properly. My credit score is 700+ on both XXXX  and XXXX  but remains at XXXX in Equifax . It's ruining my life dealing with this company.

Company response to consumer: Closed with explanation