vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 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: FL

Complaint narrative:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX XXXX - partial account # XXXX XXXX please see page XXXX of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the XXXX bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
Challenge financial services Had agreed to repair the vehilce, and continued to accept XXXX payments from me ..3 after car was impaired, I had warranty extended. They took my cash and XXXX deceived me and repossessed the car after taking my money, each time I wanted to record her calls for verification she would hang up on me ... .in effort to avoid a record of the agreements, malicious lender!! Needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Unauthorized inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I had a student loan that my grandfather co-signed. My XXXX and XXXX  both managed the loans. I have since completely paid of the XXXX. My grandfather passed away and when he did the account status was changed to deceased. When I purchased a home, my credit report reflected deceased on my social security number only for Equifax- XXXX  and XXXX were fine. I went through the remediation process and had confiirmation that it was corrected and I no longer reflected as deceased in XXXX. However, when i went to purchase a car and have my credit run in XX/XX/XXXX, Equifax again reflected I was deceased. I called again and had it remediated again in XX/XX/XXXX. However, it appears while applying for a credit card in XX/XX/XXXX, that my Equifax again reflectes decreased for my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In XX/XX/XXXX Equifax had a data breach and my personal private information was compromised. 
On XXXX I asked an Equifax representative how I could lock my credit report. I was told that I had to buy an Equifax product and then pay to add on the credit lock feature. I purchased the Credit Watch Gold and the Equifax Credit Report Control products per the rep. 
I later signed up to receive the 1 year free credit monitoring that Equifax offered before XX/XX/XXXX. 
I never received the free monitoring I signed up for. I thought my account was being credited and that the 1yr free credit monitoring applied to my account. 
I recently discovered billing records that show Equifax continued to charge me for monitoring during the breach. From XXXX until XXXX Equifax charged me {$170.00} for services during the data breach. 
My information was compromised, I did not receive the service they publicly said they would provide to consumers and Equifax told me I had to pay for credit monitoring and the lock feature even though they knew my information had been compromised in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
We got a letter in the mail from PennyMac ( XXXX XXXX XXXX XXXX XXXX, CA ), our new mortgage company that our information will be shared with other companies, including their affiliates and non-affiliate, unless we write a letter in opting out, or calling a XXXX number to opt out. 

The requirement of having a consumer take an extra step in order to opt out of sharing information is unreasonable. Majority of consumers do not have the time to read every letter that comes in the mail, not to mention the time to write in a letter, put in a mail, or make a phone call ( typically waiting for 20 minutes to just get through with some automated system ). The default should be that no information should be shared unless the consumer writes a letter in providing the consent. 

Please investigate this and protect our privacy information, not just about PennyMac but any loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: CT

Complaint narrative:
XX/XX/XXXX received email stating ICR plan was recalculated to {XXXX} XX/XX/XXXX received email stating payment will be extracted XX/XX/XXXX. 
XX/XX/XXXX XXXX notified XXXX XXXX that I was in school. My loans were placed on in-school deferment XX/XX/XXXX to XX/XX/XXXX. I wanted to be on deferment at this time. XX/XX/XXXX to XX/XX/XXXX interest was paid. 
XX/XX/XXXX received a letter stating that annual recertification is coming soon. 
XX/XX/XXXX completed IDR plan request and mailed it. Question # 4 was answered yes that I want to start making payments under this plan immediately XX/XX/XXXX received letter saying IDR was recalculated to {XXXX} and due on XX/XX/XXXX. Letter also states that I am enrolled in direct debit and we will continue to debit your account for your new monthly payment amount. 
XX/XX/XXXX payment was made of {$260.00} XX/XX/XXXX Received a direct debit bill and that the total to be extracted is {XXXX}. Letter also states that I was enrolled in direct debit and the total of {$260.00} would be extracted. This did not occur. 
So from XX/XX/XXXX to XX/XX/XXXX no payments were made. 
XX/XX/XXXX received a direct debit bill and that the total to be extracted through direct debit would be {$260.00}. This payment did occur. 
XX/XX/XXXX received email stating that payment is due and direct debit will occur on XX/XX/XXXX. 
XX/XX/XXXX mailed in School Related Deferment Waiver form and stated on it to continue payments starting XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA

Complaint narrative:
I owe XXXX dollars for lab work I had done a few months ago. Due to my current financial situation, I cant pay it right now. I am a XXXX XXXX XXXX XXXX and do not have excess income. I can pay for food, and living expenses ( living paycheck to paycheck ). The first time I answered the phone for this company he asked me for my credit card number before I could even process who the call was from. When I told him I am not comfortable giving out information over the phone he refused to send me a paper bill ( Its been over a month and I have still not received one ). I hung up because I was unsure if this was even a real collection agency. They have started calling every day, and sometimes several times per day, leaving long messages ( some over two minutes long ) of them breathing loudly into the phone. Im very close to changing my phone number because of this situation. If I had the financial ability to pay the bill, I would have by now. Its frustrating being harassed by this company, and the messages of them breathing into the phone make me very uncomfortable.

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 2019-03-26 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: FL

Complaint narrative:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on XXXX Card - partial account # XXXX ( please see page 4 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming 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 2019-03-26 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX and XXXX are incorrectly reporting me as an Authorized User on Chase Card - partial account # XXXX ( please see page 4 of the attached credit report. ) I called Chase and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 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: TX

Complaint narrative:
Experian and XXXX are reporting incorrectly a late payment for XX/XX/2019 on the XXXX - partial account number XXXX ( please see page 4 of the attached credit report. ) We were going to try to start automatic bill pay however the first time we tried to use the bill pay the payment didnt take go through that first month so we went back to manually paying this bill. I thought for sure that the original payment would have gone through in time however it did not. We got worried and paid it again. By this time it was too late and we were reported late in XX/XX/2019. This inaccurate reporting is harming 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 2019-03-26 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: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I am going through a modification with a mortgage company. This will be the second time I have taken this mortgage company to court for predatory mortgage practices, In which i won the first time. This time however, this company has reported false numbers to the credit reporting agencies. They have chose to add the legal fees to my outstanding amount, which increases it tremendously. I won the first judgement in which they were responsible for the legal fees, but now it seems they are trying to ruin my credit and in return make it impossible to get a loan. I have never been late on a payment, however I am making modified payments as instructed by the mortgage company and my lawyer. So I do not understand how they can report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX first refinance and XX/XX/XXXX second refi by XXXX from XXXX Texas have caused me XXXX XXXX XXXX at the age of XXXX now by XXXX my deeds after they were notarized including but not limited to Grant deeds and trust deeds and they worked in concert with the banks and insurance companies. The notary XXXX XXXX confirmed this as well. I have all proof and certified stamped documents showing the fraud by all the attorneys involved down to the officer in control of currency that uncovered XXXX XXXX XXXX fraud and fraud upon the courts. There have been 2 Civil cases first was XXXX XXXX XXXX Civil case # XXXX and the second Civil case # XXXX where we had a XXXX dollar judgment in our favor that was awarded XX/XX/XXXX against XXXX XXXX XXXX   XXXX XXXX. Upon prevailing one of the attorneys got an unlawful stipulation to set aside for good cause and we lost the judgment. First lawsuit will show conflict of interest showing their attorney was handling the case which we had an attorney already and had no written concent or prior discussion with my son. Forensic report I have in possession will show Security fraud and lenders not paid ( investors wallstreet not paid ). There are more provacle forms of fraude done by the banks in concert with title and attorneys etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: Turner Acceptance Corp.
State: IL

Complaint narrative:
Unauthorized inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In early XX/XX/XXXX ( XXXX ) called credit company to inquire about rewards on travel, was told I did not have to book with them ( credit card ) to get any reward credits, just call upon return of trip and a " statement credit '' would be issued, I was given a contact number - it's a general # for travel. Charged other travel items such as bag fees. 
Upon return called ( XX/XX/XXXX ) went through many representatives at card company, last was a Mr. XXXX Was told that my card did not have a travel reward and I would need to take a cash credit which is 1/2 the value of travel rewards. ie XXXX points for travel is {$25.00}, but XXXX points for cash are required for the same {$25.00}. 

I noted that their web site, under my card #, does not say such and a change should be made to make clear to consumers what the deal is. I consider their web site for my card is a bate and switch scam, and at least false advertising, Here is what the site for my specific card says : " Hello, XXXX. 
Choose the rewards that matter most to you Redeem Points Redemption Value Expiring Points Schedule FAQs View Program Rules Redeem your points. 
XXXX points minimum redemption. 

Travel Cover all or part of the cost of a flight, hotel or car rental. 
XXXX points = {$25.00} XXXX points minimum redemption. 

Gift cards Choose from top retailers and restaurants. 
XXXX points = {$25.00} XXXX points minimum redemption. 

Cash Choose a direct deposit, statement credit and more. 
XXXX points = {$25.00} " Representatives have constantly informed me that my card does not have these benefits, or may if I book a trip through them. Why would I pay 50-70 % more through them. 
AS mentioned I called before trip was told I could do such after trip, if I was told NO the complaint would not have been made.

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 2019-03-26 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: VA

Complaint narrative:
Wife received phone call from XXXX XXXX claiming an old XXXX   bill was owed. She advised them please send all billing statements from the first time the account was opened so we could go over what bills were paid and what bills were not paid. Associate claimed they would send the information so we could verify the billing was correct. We moved all lines from XXXX XXXX or XX/XX/2018. All numbers were ported to XXXX with all phones from XXXX being paid off ... .. XX/XX/2018 XXXX placed collections account on Credit report without verifying information. XX/XX/2018 Sent a verification of debt letter to XXXX XXXX and disputed claims with all 3 credit bureaus. Three credit bureaus came back as information was verified. nothing received from XXXX. Mid XXXX after the 30 Day sent another letter for XXXX to respond within 15 days ( allowing 45 days for them to send billing information ) ... .. Today is XX/XX/2018 Nothing has been received from the credit collections company. This has already been sent back to XXXX once before due to another collection agency being told and shown it was paid off. I want this removed from the credit report and all three bureaus updated. XXXX XXXX, Equifax and XXXX  all used the actual XXXX XXXX which always shows an amount is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I received my escrow analysis dated on XX/XX/XXXX. The analysis has excluded one of my monthly payments for XX/XX/XXXX causing a larger than necessary collection of escrow payments. My payment for the XX/XX/XXXX payment was received by the Company, Amerihome Mortgage on XX/XX/XXXX, however was not included in the calculation. 

Total paid for the period XX/XX/XXXX to XX/XX/XXXX is {$6100.00} with a beginning balance of {$1000.00} for a total escrow to be used of {$7200.00}, and taxes were paid out XX/XX/XXXX in the amount of {$4600.00} leaving the balance in escrow at its current amount of {$2600.00}. Insurance will be coming out in XXXX in the amount of {$1700.00} leaving an escrow balance of {$860.00}. The analysis shows that my minimum amount due should be {$940.00}. Leaving a shortage of {$79.00}. 

With the amount for one of the months missing the amount due is being calculated at {$1100.00} and collecting monthly at {$91.00} plus the new escrow amount of {$530.00}. 

I called Amerihome to request a new escrow analysis to be run and was told, " sorry it is correct and by the way it doesn't go into affect until XX/XX/2019 ''. 

Then I asked to talk to a supervisor and the supervisor said I was wrong. So I asked to speak to a higher supervisor and was told the higher supervisor would be calling me back in 24-48 hours. 

This is not correct and companies should not be allowed to bully their customer 's. I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Wife received phone call from XXXX XXXX claiming an old XXXX bill was owed. She advised them please send all billing statements from the first time the account was opened so we could go over what bills were paid and what bills were not paid. Associate claimed they would send the information so we could verify the billing was correct. We moved all lines from XXXX XXXX or XX/XX/2018. All numbers were ported to XXXX with all phones from XXXX being paid off ... .. XX/XX/2018 XXXX placed collections account on Credit report without verifying information. XX/XX/2018 Sent a verification of debt letter to XXXX XXXX and disputed claims with all 3 credit bureaus. Three credit bureaus came back as information was verified. nothing received from XXXX. Mid XXXX after the 30 Day sent another letter for XXXX to respond within 15 days ( allowing 45 days for them to send billing information ) ... .. Today is XX/XX/2018 Nothing has been received from the credit collections company. This has already been sent back to XXXX once before due to another collection agency being told and shown it was paid off. I want this removed from the credit report and all three bureaus updated. XXXX XXXX, XXXX and Experian all used the actual E-Oscar Verify which always shows an amount is verified.

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 2019-03-26 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
My student loan from XX/XX/2014 to XXXX shows that I was late on my credit report. I attended school before this date and after XX/XX/2014 I was told that my loan was deferred and it would be backdated from XX/XX/2014. I look at my report and it still shows that I am late. They have updated my XXXX   report and removed the late payments. I have disputed this with all three credit bureaus and they still show up late in XXXX  and XXXX  please fix this. I know that there is a dispute with the Attorney general with the Navient student loan from the college I went to. Although I want my credit report to be updated please. I am aware of the law suite many years ago involving Navient with not disclosing information to students on other behalf when you need a deferment or even letting students know of there option I am sure this is what happen and this is a mistake please remove the late notes in my report

Company response to consumer: Closed with explanation