vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-09 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  and Experian are incorrectly reporting a collection in the amount of {$16000.00} on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is not outstanding balance due and owing and therefore nothing to send to collections. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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 2019-09-09 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: TN

Complaint narrative:
I have filed a dispute with Equifax and sent information in XX/XX/2019. I attached a letter from XXXX XXXX showing that the company had informed me of the removal of the false information they were reporting to the bureaus. I spoke with an agent in early XX/XX/2019 who informed me that the information I had disputed ( XXXX and XXXX XXXX ) was removed and that Equifax would send a Confirmation showing the deletions. After two weeks of not getting the response I spoke with an Supervisor at Equifax named XXXX ( Emp # XXXX ) over the weekend ( XX/XX/19 ) and he informed me that Equifax would not be sending the confirmation I had requested because the previous agent was wrong.. He said he would pull the call where this information was given out but could not say what the punishment of the agent would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: AMERICAN HONDA FINANCE CORP
State: WA

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. i tried disputing it because i had paid it and it was their websites problem and not mine but they refused to remove it. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
My loan was recently transferred to PHH Mortgage Services on XX/XX/2019. Not only did I not receive any information from either processor about this transfer until late XXXX, but now I am unable to make my payments to PHH. I made a payment on XX/XX/XXXX for the XXXX due date ( I never make my payments that late, but was forced to do so due to neither party accepting my payment until that time ). Now when I try to make my payment online or over the phone for the XXXX due date I get a message stating that they are not able to take my payment. They do not have any of the correct dates of payment on their website and show something about a " payment rejected by bank '' for {$0.00} on my payment history - my payment has been cleared from my account since XX/XX/XXXX. I was told I could call back and make my payment today XXXX after " everything clears up '', but am still unable to make my payment! I feel I am being forced to make payments late due to them continuing to have processing issues and not taking my payment! I keep getting vague answers when calling the company like " give it one more day '' and " well you aren't late until the XXXX so you still have plenty of time '' - that is not the point! I want to be able to make my payment within the 1st week of the month and for it to be processed properly. This leaves me feeling uncomfortable and not confident in the company 's ability to service my loan. When you request to send a written complaint on their website the link does not work. I will also be contacting the media about this company and sending a written complaint to their managing committee. This is ridiculous that I am unable to make a payment and am being FORCED to pay late when you have had my loan for over a month now. You should have had the transfer completed in full by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian allows the use of any username when signing up but only allows certain characters when signing it. If you have a character that isn't approved you can not log in to find out your data or make changes. They will tell you the username is invalid and then send you and e-mail with the same username and say it is your username but you can use it to log in. Communication via e-mail are ignored. The phone automated system will simply send you the invalid username and tell you to use it.

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 2019-09-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Earnest Inc.
State: VA

Complaint narrative:
Why do you ( Earnest ) keep taking payments from my checking account without telling me when you will take them out of my account? It says my next payment isn't due until XX/XX/XXXX! I've taken a screenshot as proof. I know I signed up for biweekly payments, but you need to show those dates if you want me to have money in my account! I only have {$4.00} left in my checking account now because of you. Not cool. It's like you're making the payment process purposefully non-transparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Debt was paid there is no collection and yet it is being reported on credit file as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/2018 I received a call from American Express offering to upgrade my account. 2 weeks later I received 3 new card for 3 of my businesses. I wanted to know the terms of my card so I called American express on 3 different occasions I called American Express to see what my payments will be, and the representative advised that payments will range from $ XXXX {$220.00} a month per card. After this information, I decided that I would use the card. I used the card and then I got a bill for the full amount due and later discovered that I had a net XXXX card and where I would have to pay the balance in full each month. 
This is not what I signed up for and was highly disappointed when I found this out because I was told on 3 different occasions that I would be able to pay off the balance over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/2019 my Social Security XXXX check was deposited into my PNC checking account. By XXXX there was only {$1.00} in my account so I called PNC customer service any they explained that XXXX XXXX out of Louisiana had withdrew {$850.00}, from my account. 

I ask customer service how and why and with a few more questions from customer service it was soon realized that I had been part of a scam with someone claiming to be XXXX XXXX XXXX. 

I was applying for a loan with XXXX  XXXX XXXX or should I say people I thought were Cash Net XXXX. 

Customer Service put a hold on my account and on my debit card and advised me to get to the bank ASAP to close the account and the debit card. 

I was at PNC Bank, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX IN XXXX, XXXX, within 2 hours. I met with XXXX, who closed my account and opened a new account, cancled my debit card and issued me a new debit card. Ordered new checks, and filed a report. I explained I would be filing a police report and would return with that report when it was ready. On Tuesday, XX/XX/2019 I returned to PNC bank with the police report and turned it into XXXX assuming she would file it. 

On Tuesday, XX/XX/2019 I contacted PNC Bank and spook with XXXX XXXX questioning as to why my checks had not arrived and what was the statis of my complaint. According to XXXX there was no follow through on XXXX 's part, no checks were ordered, no complaint was filed, no one had any idea what had happened to my police report. Again I returned to PNC Bank and re reordered my checks and finally filed a report with XXXX. XXXX saw no need to have a Police Report, I brought a police report by on Wednesday evening anyway. 

By XX/XX/2019 PNC Bank had resolved that I am not intited to any type of refund. I am disputing this. I have never had any contact with XXXX XXXX. The check is a fraud because it is not my signature and looks nothing like my signature. I never saw this check until XXXX showed it to me as part of the investigation into the scam/fraud case. 

XX/XX/2019 started like any other day with my Social Security check being deposited, it is the money I have to live on all month long and by XXXX that money was gone. It was gone because XXXX XXXX of Louisiana, a company I had never done business with had decided to electronically take it from my bank account. Please help me restore that money to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
They not only call my cell phone multiple times a day but are now attempting to call me at work when I never even gave them that number. That's illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
I would like {$1600.00} return back to me.

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 2019-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I opened Meijer credit card in XX/XX/2018. The initial credit limit was {$500.00}. I made purchases in XXXX that totaled around {$300.00}. I also had XXXX  XXXX that charged around {$8.00} each billing cycle. I was making payments each month to bring down the balance but fell behind a couple payments and was charged late fees of {$30.00} plus a month. These fees ( XXXX XXXX/interest/Late fees ) added up and made the balance {$440.00}. In XXXX the limit of the card was decreased to {$400.00} causing it to seem as if I had exceeded my credit limit, causing damage to my credit score. Is it legal/ethical for credit card companies to decrease a limit and creating an over the limit scenario?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: MO

Complaint narrative:
XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX XXXX  account number XXXX and the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue, however I have not been successful.

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 2019-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
I am a XXXX XXXX XXXX veteran, I have the va healthcare and XXXX. First Financial Resources is trying to collect {$2900.00} From me for XXXX XXXX.

My insurance either through the VA or XXXX should have covered this expense. It was for an ambulance ride. I contacted both the ambulance co and the collection company neither could produce any billing paperwork other than what day I was transported. This should have been covered and they have zero paperwork, I want this OFF MY CREDIT REPORT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I am paying this debt to XXXX XXXX XXXX. This debt is 7 years old but is about paid off. Over the past two years I have gotten harrasing phone calls from other agencies, with threats of harm jail etc. The robo calls are getting on my last nerve, to the point I have had to change my phone numbers. How this all started was in XXXX XXXX XXXX had purchased the Pay pal smart connect debt, in XXXX I believe it was I get a call from XXXX  XXXX XXXX XXXX   who has gone out of business. 

I never got a dunn letter but paid the bill every month from {$540.00} down to {$63.00}. When XXXX went belly up XXXX told me to pay XXXX XXXX only, which I have and after what I sent them today am down to {$53.00} When you type in the phone number in XXXX that called me recently that wont stop it shows scam plain as day, a guy there said that back in XXXX I was taken advantage of and that I should not be paying this bill at all, so now I am confused, as of now XXXX and XXXX do own the account, and I have not missed any payments which I can prove. Another company that called and threatned me was XXXX  XXXX XXXX XXXX XXXX, when I emailed them they told me they would continue to persue even after I sent proof I was paying another agency. Anyway I am at my whitts end, and I really need your help the attorney general in Iowa is trying to help me to the best of his abilities, but I need your help also, please make these awful people go away. 

Am I doing the right thing by paying XXXX for XXXX since XXXX purchased the debt or have I been had? I do not know what to do but continue to pay Atlantic but I want the others to leave me alone. I think XXXX XXXX  sold my debt to other agencies but can not prove it. Please help me. The number that has been calling me lately with robo is XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: MO

Complaint narrative:
Equifax and XXXX  are incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX CARD account number XXXX and the XXXX CARD account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XXXX XXXX 2019 we requested WELLS FARGO MORTGAGE help guide us to the steps for the removal of the PMI due to a recent assessment our county performed .... of which we discovered we were well over our original market price and qualified for the removal of this insurance ... so we contacted WELLS FARGO MORTGAGE they informed us everything looked perfect for us to move forward with the process ... we were advised to make a mortgage payment so we could avoid any other unnecessary obstacles ... so in good faith we immediately made the mortgage payment and the young lady told us she ordered the package to me mailed to us ... only to discover the letter informed us we didnt qualify so we called WELLS FARGO MORTGAGE to inquire about the letter only to have the young lady to say the mortgage payment was finally updated and she would resend the letter ... only to discover the same letter!!! We called WELLS FARGO MORTGAGE AGAIN!! To have someone else to inform us we had late payments and didnt qualify to have the PMI REMOVED!! Fast forward to today XX/XX/19 and we received another letter informing us that we will not automatically qualify for the removal of the PMI .... WELLS FARGO MORTGAGE is a TERRIBLE MORTGAGE COMPANY!! They DO NOT WANT TO REMOVE THE PMI!! They will lie!! Have you to pay extra and still find tactics to deny your request

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 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian free credit report - was told to get a free report from Experian when looking for a place to rent. They have been charging my credit card {$21.00} every month for the past year without my consent or knowledge. I can not get anyone on the phone to cancel. Went to their website and find no where to cancel. Credit card company actually called me to ask me about possible fraudulent charges on my account and this is how I found out! I have a hold on my credit card so Experian can not make any future charges. I still want to cancel and get my money back

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 monetary relief
Consumer complaint received 2019-09-09 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 — Investigation took more than 30 days
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Had an issue with " caliber home Loans '' Made a payment 7 days before the 30 days due date because of an error. 

Check was dated before the 30 days But they don't receive checks electronically so they received it 2 days after the 30 days and report me. 

When their rep called me for the payment I payed on my online banking with him on the line, he didn't tell me it takes them time to receive checks. 

I was never later for a payment before, ever. 

Spoke to XXXX their supervisor He said he see that check was dated on time but they received it after a week. 

Didnt want to help me or even to at least post that payment was made one day after the 30 days late.

I need to obtain a mortgage and I need this to be corrected. 
I desperately need your help. 

Caliber home loan XXXX

Company response to consumer: Closed with explanation