vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-22 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: NC

Complaint narrative:
I submitted a dispute to Equifax for my XXXX XXXX XXXX account which was reporting inaccurately. I included my full credit report and supporting documentation highlighting the many inaccuracies contained in the report. I got the dispute results which did not address any of the questions raised in my dispute letter. Equifax did not meet its obligation under the Fair Credit Reporting Act. I am therefore filing a dispute so that the XXXX XXXX XXXX account can be deleted from my Equifax report for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been lied to by Capital One Auto Finance. Here is what happen to me. I set up a payment plan with Capital One Auto Finance. They told me on a recorded line that my account will not show up late to all 3 credit bureaus if I accept the terms to make all my payments. When they explained this to me they spoke really fast like a car salesman/commercial. I asked them to repeat what they said and they spoke even faster. I trusted the person I was speaking to and took the deal. I took the offer and made all my payments, Then I checked to see that 3 late payments reported to my credit report. 

I have contacted them several times about this manner and spoke to employee # number XXXX, XXXX XXXX XXXX and XXXX at the president office. And they continued to lie to me about the late payments showing up on my credit report. And they never replayed the original recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ

Complaint narrative:
I purchased an FHA home 2 years and I was told that my loan is assumable. When I contacted Rushmore loans they told me that they don't do assumable loans and that FHA doesn't do assumable loans. They called XXXX and told me that i could call XXXX and they would tell me that FHA doesn't do assumable loans. When i contacted them they said they don't know why they would say that then they gave me me FHAs phone number. I'm looking to have someone assume my loan because I'm moving out of state and I'm told they don't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: DC

Complaint narrative:
I've been on the PSLF program since graduating from XXXX  school in XXXX. At that time, Fed Loan Servicing took over my accounts and I've been making monthly payments ever since ( while employed at the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX ). 

Fed Loan Servicing has recently made several mistakes in handling payments on my account which has required me to make no fewer than 15 calls to get straight answers and get my issue resolved. Several months ago, Fed Loan Servicing agents promised to conduct a review of my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments to ensure they are " qualifying '' payments. Most recently, I've tried to get answers about the status of the review ( which has been going on for months ), but I've been told that Fed Loan can not provide me with any information or even an estimated time frame when they can complete the review. As I close in on 10 years of payments, this is very distressing. This is also extremely frustrating and not the only time I have had serious issues in getting answers from them. In some cases over the past couple months, I've had agents provide incorrect information. ( For example, when the company involuntarily placed my account on " forbearance, '' they stated that it would not affect my credit score ; it did and I had to file a CFPB complaint just to get the issue resolved ). 

What I want is for the company to complete its review of the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments, to confirm that each of the payments have been applied to PSLF, and a final accounting of all the qualifying payments I've made over the last 9 years, because I am getting concerned that, based on past experience, the company can not be trusted to get the information correct or to do the right thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
For XXXX/XXXX XXXX on my XXXX report of being late on a payment. The account was paid in full before the next billing cycle. XXXX/XXXX XXXX charged me {$57.00} dollars for the monthly minimum payment, but the account had a XXXX   balance. 

This is affecting my ability to get loans/better interest rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
For XXXX XXXX on my XXXX  report of being late on a payment. The account was paid in full before the next billing cycle. XXXX XXXX charged me {$57.00} dollars for the monthly minimum payment, but the account had a XXXX balance. 

This is affecting my ability to get loans/better interest rates.

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 2019-07-22 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: NC

Complaint narrative:
I submitted a dispute to Equifax for my XXXX XXXX credit card account which was reporting inaccurately. I included my full credit report and supporting documentation highlighting the many inaccuracies contained in the report. I got the dispute results which did not address any of the questions raised in my dispute letter. Equifax did not meet its obligation under the Fair Credit Reporting Act. I am therefore filing a dispute so that the XXXX XXXX account can be deleted from my Equifax report for inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
I sent a certified investigation letter to Convergent Outsourcing on XX/XX/XXXX which was delivered on XXXX XXXX, XXXX asking for further information on this debt. 

XX/XX/XXXX Convergent sent a response to my investigation letter which already violated my rights per the Fair Credit Act based on the allowed time ( 30 days ) a facility has to respond to my dispute letter from the time they received the letter. When receiving the validation of my debt they sent me a few months worth of statements and a letter stating this is valid debt for the balance of {$280.00}. 

XX/XX/XXXX after digging dipper into this debt, I sent another certified letter to Convergent Outsourcing stating I contacted my current service provider which I transferred the phone number I had with XXXX over to them on XXXX XXXX, XXXX which means that line ( XXXX ) was no longer in service for the bill they provided for validation, and that my last payment was submitted on XXXX XXXX, XXXX. I then proceeded to demand a delete from my credit report due to lack of accurate information. 

XX/XX/XXXX I receive a letter from XXXX stating XXXX XXXX , XXXX has placed your previously disputed account with XXXX. As of the date on this notice, an investigation of your dispute has been completed and the account has been place with their office for resolution. No valid proof of the debt was attache just a new balance of {$190.00}. 

XX/XX/XXXX I receive a letter from Convergent Outsourcing stating they are no longer the owner of this debt and that they submitted to the credit reporting agency 's to delete the information.

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 2019-07-22 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: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
In XXXX of XXXX, I took a XXXX  dollar 84 month installment loan from XXXX XXXX through Sun trust INC. I used XXXX dollars of the XXXX  loan to make purchases at XXXX XXXX. After making the purchase I received a coupon book with 84 payment coupons for a payment of XXXX dollars equal per month payment with my final payment is XX/XX/XXXX. Some months I made more than the XXXX dollars in an attempt to pay off the loan early and have paid off a substantial amount. To date, I have XXXX dollars remaining on the outstanding loan with on 30 of the 84 payment coupons remaining. XXXX/SUNTRUST Inc has reported to the 3 credit reporting bureaus negative information on this account stating that it was past due when In fact I am actually ahead on my payments. I would like your assistance in having these negative items associated with this account and companies removed from my credit report.

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 2019-07-22 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: GreenSky, LLC
State: NJ

Complaint narrative:
In XXXX of XXXX, I took a XXXX dollar 84 month installment loan from home depot through XXXX XXXX XXXX. I used XXXX dollars of the XXXX loan to make purchases at home depot. After making the purchase I received a coupon book with 84 payment coupons for a payment of XXXX dollars equal per month payment with my final payment is XX/XX/XXXX. Some months I made more than the XXXX dollars in an attempt to pay off the loan early and have paid off a substantial amount. To date, I have XXXX dollars remaining on the outstanding loan with on 30 of the 84 payment coupons remaining. XXXX XXXX has reported to the 3 credit reporting bureaus negative information on this account stating that it was past due when In fact I am actually ahead on my payments. I would like your assistance in having these negative items associated with this account and companies removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Farrell Holdings, LLC
State: TX

Complaint narrative:
I commenced an auto loan for the purchase of a 2008 XXXX XXXX in XXXX, XXXX. Per the terms of the contract, the loan was to be paid in full after 42 monthly payments, of which, the first was paid on XX/XX/XXXX. The maturity date for the auto loan was XX/XX/XXXX. Due to hardship, I fell behind on my payments and was rolling a 1x30 late. I was contacted by a representative of Prime Acceptance on XX/XX/XXXX, who advised they were willing to modify my loan. This took my monthly payment from $ XXXX/month to $ XXXX/month. The loan term would remain the same so to make this happen, Prime Acceptance promised to perform a principal balance reduction so that my loan would be paid in full as of the same date as the initial contract. When I contacted Prime Acceptance in XXXX, XXXX for payoff details, i was informed of an over {$8000.00} principal balance and that my loan would not be paid in full by XXXX if I continued to make my currently payments. When I questioned the terms of the modification, I was advised that the modification did not take place as explained to me. Currently, I have had my vehicle repossessed, which I reinstated the loan on, but I will never get the value back out of my car, and if I had known that I would in a sense, never get through paying for this car even after having paid {$19000.00}, I would have made different choices. I have looked through all my documentation and they never even disclosed to me when this loan would be paid in full post-modification. I feel that I am a victim of predatory lending and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
To whom it may concen, I am sending you this email because of a recent bad experience we had with one of your lenders XXXX XXXX. XXXX originally reached out to my husband and I late XXXX stating that if we hurry we can refinance our mortgage to lower interest rate to lower our monthly payments. Of coure we agreed to refinance. We sent a cashier 's check for {$150.00} overnight to FHA. XXXX stated that we needed this by XX/XX/2019 because we have 2 subordinate loans. He then advised us that we could get a refinance without an appraisal and our monthly mortgage payments would be {$1400.00} per month. He also stated that if we wanted to borrow on our equity that we would need an appraisal. He stated either way that we wouldn't pay our mortgage for XXXX and XXXX. I have a text message confiming that. My husband and I talked about it and decided to borrow on the equity. We understood that our monthly payments would be {$1800.00} per month. We signed paperwork needed to get this started. On XX/XX/2019 I got an email from XXXX XXXX requesting a credit card so she could schedule an appraisal. That evening I gave her my credit card information and was charged {$500.00}. Our home was appraised for {$300000.00} which is much more than the XXXX we paid for or home 2 years ago. XXXX then had a conversation with us staing that we could borrow {$23000.00} to pay off all of our bills we agreed to that and were waiting for XXXX to send us paperwok to sign. We didn't hear anything from back from him. From XX/XX/2019 thru XX/XX/2019 we reached out to him several times with no response. On XX/XX/2019 he finally responded saying that he misspoke and that his numbers were off so we couldn't get any cash back. He recommended that we stay with the first loan. Now were out the {$500.00} appraisal fee. We agreed to stick with the first loan and decided at that point never to do business with him after this. He sent us the final paperwork on XX/XX/2019 at XXXX XXXX. Both my husband and I were still at work so we didi n't open the email until XXXX. We docusigned the paperwork. Then on Saturday XX/XX/2019 my husband got a text from XXXX telling us that " we missed the deadline and if we hadn't payed our mortgage for XXXX please do so now ''. My husband told him that after this we wouldn't be doing business with in the future. XXXX got mad and cancelled the refinance. Now not only are we out {$500.00}, we are late on our mortgage too! We trusted XXXX XXXX and he XXXX us. We paid bills with the XXXX mortgage payment because we trusted his word. Now we are in a financial bind because of his incompetence. We are having to use high interest credit cards and borrow money from family just to make up for his lack of professionalism.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I finalized the loan online and then called them and verified my account and now when I call and I give them all my information, their response is that they cant find my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I requested my credit report from Transunion on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX XXXX XXXX in the file that Transunion maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Transunion challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Transunion Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.

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 2019-07-22 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: IL

Complaint narrative:
I AM A VICTIM IDENTIFICATION THEFT. I HAVE FILED A FTC REPORT AS WELL AS WITH OTHER LAW ENFORCEMENT AGENCIES TO REMOVE THIS INFORMATION PURSUANT TO THE FCRA 1681- C2

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Neither you nor the FTC make it possible to merely make an informative contact, so I have to use your complaint process. However, actually, it is a complaint ... about both CFPB and FTC. 

Data breaches are a routine fact of life. The news this morning about the Equifax settlement has motivated me to inquire about something that has baffled me for years. 

I am a victim of data theft. The major ones are Equifax and the OPM data breach. However, I also have been affected by a few other less spectacular failures of companies to secure their data. 

To be clear, I have not had any direct negative impacts ( though my PII obviously is out there to be misused ). I have availed myself of the credit monitoring services provided after each event, and I long have had my credit reports frozen/locked. Plus, my accounts all have 50 character, randomly-generated passwords, and I use multi-factor authentication on several. 

Now, to the crux of the issue, and my complaint. 

In all these failures of security and due care, the onus always is upon the consumer to react, with or without free credit monitoring. 

WHY IS THIS? Why must consumers always take the initial corrective action when it's the companies and credit reporting bureaus which need correct their shoddy standards and practices? 

There is no rational explanation for such a model of operation. And, the solution ( or at least a large part of the solution ) is so stone simple it defies logic that no action has been taken. 

To that end, why are not the credit reporting agencies required to lock/freeze ALL accounts as the DEFAULT mode of operation? 

The minor effort/inconvenience to temporarily unlock a credit report pales in comparison to the effort needed to respond to and recover from identity theft. 

Again, why are these agencies not required to secure their data in such a manner? Doing so would prevent illegal use after data breaches occur in careless companies, and significantly reduce the utility of stolen PII, not to mention lessening the expense, harm and aggravation for consumers-at-large. 

Therefore, what exactly must be done to make this change ( and make it immediately )?

Can CFPB and/or FTC order such an action? 

If not, why not? 

Alternatively, do we need Congressional action to implement such a logical process? If so, will CFPB and/or FTC initiate contacts to propose such legislation? 

If not, why not? 

Data breaches have become the digital equivalent of the " broken window '' syndrome. The actions of governmental agencies and commercial entities demonstrably are insufficient to dissuade such behavior from occurring and increasing. 

It's time to do something different and bolder and, at the risk of repetition, the default locking of all credit histories is a simple and easily implemented first step. 

Thank you.

Company response to consumer: Closed with explanation