vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-01 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: CA

Complaint narrative:
I am in the process of trying to refinance my two Mortgage Loans that are presently with XXXX XXXX XXXX ; a first mortgage and a HELOC. 

Unfortunately, the 3 Credit Reporting Agencies will only show information provided by XXXX that shows both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XXXX of XXXX. 

This is playing havoc with my FICO scores and credit history. It is making it extremely difficult to obtain a new Mortgage when the current Mortgage Loans are not being accurately reported. Moreover, any potential new lender doesn't even know what the current payoff amount would be. Should it be {$0.00}, since that is what XXXX is reporting? 

I have a First Mortgage with a balance of {$260000.00} that started XX/XX/XXXX, and a Home Equity Line of Credit with a balance of {$150000.00} that started XX/XX/XXXX with XXXX XXXX XXXX XXXX for a total mortgage debt of {$410000.00}. As noted herein, both accounts were open in XXXX, but not at the same time - and both should reflect a perfect payment record with the 3 Credit Reporting Bureaus. But they do not! 

I filed a Chapter XXXX Bankruptcy in XXXX of XXXX and all debt was discharged and closed in XX/XX/XXXX, including the two XXXX XXXX mortgages. XXXX XXXX  the current lien holder for both mortgages, will not report any financial information to the 3 Credit Reporting Agencies, because a Letter of Affirmation was never executed within the first 60 days after the initial XXXX meeting with the Federal Bankruptcy Court ( Federal Rule Bankruptcy Procedure 4008-A ). 

I spoke with several people at XXXX XXXX, the latter part of XX/XX/XXXX and they could not or would not help. That is their policy and at present there is nothing I can do to have them reconsider their position. The 3 Credit Reporting Agencies will only show information provided by XXXX that indicates both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XXXX of XXXX. 

The information reported is totally inaccurate and does not reflect that I have been making on-time payments for the last 13-14 years, since the loans were originated. I have filed disputes with all 3 Credit Reporting Agencies - that were fruitless. So now I am turning to you.

However, attached, you will find 2 documents provided to me by XXXX that contradicts what they report and does show my excellent payment history for both accounts. I also included the latest monthly Statements provided to me by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My complaint was on mortgage FRAUD. XXXX XXXX XXXX for some reason S.P.S. answers it but they can't answer Mortgage fraud. I've called and spoke to someone on phone sent in the document several times. Was referred from team Trump. I get the same response every time or XXXX XXXX dose not respond. My name is XXXX XXXX XXXX XXXX XXXX. I don't want to waste your time or mine. If you can't look in to mortgage fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Santander has been reporting delinquency statuses for XXXX XXXX and my husband, XXXX XXXX credit profiles to all three credit bureaus. The accounts has been paid in full/ XXXX balances since XXXX. The information was recently on the credit bureaus reported on XX/XX/XXXX indicated that the accounts are in delinquency status which is completely false. All accounts has been paid in full and have been closed for over five years. I dont understand why Santander is reporting inaccurate information for me and my husband. Santander accounts should be completely omitted from our credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: IN

Complaint narrative:
Obtained loan in XX/XX/XXXX from Mariner Finance , LLC. I had the understanding that it was a simple interest loan at nearly 29.49 %. I have good credit but I was in need of a quick loan to close on an investment property so I accepted the rate. I paid my payments for some reason the did not record one of my cash payments in the store. They didn't report me to the credit bureau until after I paid off the loan on XX/XX/XXXX. They reported me after I questioned the payoff amount and demanded to speak with a district manager. They gave me her number which was incorrect. The payoff was more then the original loan amount of {$5000.00} even after my 7 months of payments my payoff was {$5000.00}. The stated this was fees an interest charges. They did not have an amortization schedule to detail where my funds applied. I fee like this is taking advantage of the general public. Even with my background in Real Estate Sales I  was unable to understand their paperwork, policies and application of payments to the loan.

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 2018-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
Using the online bill-pay service from our bank to our landlord, the physical check that was mailed by the bank arrived beyond the guarantee delivery window promised by our bank. When utilizing the bill-pay site, when a payment is selected to send on Monday the delivery date reflected is the following Friday. Our check arrived the tuesdat of the following week. This late arrival of the check incurred a {$75.00} fee ( plus {$10.00} each additional day ) from our landlord due to late payment. Our bank has a 5 day delivery guarantee for mailed checks or they will refund the fees. Upon presenting the bank with a printed statement from the property manager on their letterhead explaining the fee and late check delivery, the bank has yet to make good on its policy. It has been over 60 days of calls and visits and follow up on my part. Their position has changed several times, currently the bank is refusing to reimburse us the fee. 

It is unclear why they will not honor their own policy to their customers.

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 2018-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
We have decided to sell our home and we had previously modified our loan. On our payoff there is {$57000.00} in lender paid expenses. Our current lender it collecting interest for the difference in our modification that was no where in the agreement we signed. We have moved due to work and have to get this sold and I've asked twice for the original modification and they can not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
I purchased a vehicle with a company using this finance company. Driving the vehicle, after having it for two years and almost being paid in full never missing a payment, and giving all income tax checks for two years, the motor completely blew up on the side of the road.  XXXX had vehicle towed to local mechanic where it was held for two weeks. I spoke back and forth with general manager, and they would not agree to trading it back in for another vehicle. Instead they insisted that I pay the nearly 5 thousand dollars extra to have a complete new engine put in, and refinance for 4 more years on top of what was still remaining in original loan. Once we stated that it was a bad idea we never heard another word from anyone at XXXX, or was ever made aware of the debt placed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Quall Cardot LLP
State: CA

Complaint narrative:
( I selected the " too many calls '' option to be able to proceed. 

My debt was written off by XXXX XXXX XXXX in XX/XX/XXXX. The charge off was removed from my credit reports in XX/XX/XXXX. The collection company is still calling and filling judgements against any of my bank accounts 10 years after the write off. 

I am XXXX years old and would like to see this go away before I die. From the research I have done, I guess I have been my own worse enemy, in that I have talked with the collection companies over these years and have admit that I owed the money, which has extended the time for them to continue to file judgements. I don't know if there is a Federal time limit for collection on debts but there should be a limit that a collection company can continue to try to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I was contacted by mail that I was a part of a class action lawsuit brought against Chase. 
The details are the case has been settled and I never received my portion from the settlement. I have contacted several organizations related to this case and have not received a response. 
To compensate the estimated 50,000 XXXX and XXXX  borrowers who paid higher rates and fees than similarly situated white borrowers, CHASE has agreed to create a settlement fund in the amount of approximately {$53.00} XXXX. CHASE has further agreed to retain an administrator  to manage the settlement fund and to locate borrowers who may qualify for compensation. Borrowers who are XXXX XXXX   and/or XXXX and who obtained a mortgage through CHASEs wholesale channel from XX/XX/XXXX through XX/XX/XXXX should be contacted by the administrator in the next several months, or can contact the United States Attorneys Office directly, by contacting the Civil Rights Complaint Line at ( XXXX ) XXXX, using the Civil Rights Complaint Form available on the United States Attorneys Offices website http : //www.justice.gov/XXXX or by sending a written claim

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XX/XX/XXXX, I lost my job and requested a forbearance which Wells Fargo denied. I in turn paid the past due payment of 3 months in XX/XX/XXXX. I then received a forbearance from Wells Fargo to supposedly assist me in XX/XX/XXXX. The agreement was that I would start my payments in XX/XX/XXXX and the difference of the forbearance would be due at the end of the agreement in XX/XX/XXXX. I was instructed to call them if I became employed which I did. The following day without any notice or contact Wells Fargo removed my forebearance agreement and put me in foreclosure. However they continued to accept my payments and never advised me there were any concerns. I was not aware until XX/XX/XXXX when they stopped accepting my payments and left a notice on my door. I didn't find out until later that Wells Fargo stated I defaulted using the payments they agreed I didn't have to pay in the forebearance until the following year XX/XX/XXXX. They would not let me pay the account and forced me into foreclosure. They lied and said they served me while I was at work. I've been trying to rectify this with Wells Fargo for years but they have refused to remove the negative information. They claim the forbearance was cancelled once I had employment but that's not in the agreement information nor did they advise me of this or contact me. They put me in foreclosure one day after I contacted them telling them I was employed. They have since made me pay them an additional {$10000.00} to pay off the mortgage after they forced me into foreclosure. They intentionally wouldn't accept my payments starting in XXXX and didn't file foreclosure paperwork until XX/XX/XXXX to make it look like I wasn't paying.

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 2018-11-01 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:
In the latter part of XX/XX/2018, I submitted a dispute to the 3 major credit reporting agencies regarding me being a victim of Identity Theft, this type of dispute is unique in nature as the FCRA sec 605b states that identified fraudulent items should blocked in 4 days. Not only did none of the agencies block the accounts, they didnt contact me with any updates either.

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 2018-11-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the latter part of XX/XX/2018, I submitted a dispute to the 3 major credit reporting agencies regarding me being a victim of Identity Theft, this type of dispute is unique in nature as the FCRA sec 605b states that identified fraudulent items should blocked in 4 days. Not only did none of the agencies block the accounts, they didnt contact me with any updates either.

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 2018-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I contacted Wells Fargo Home Mortgage in XX/XX/XXXX ( Copies of emails/correspondence will be attached ) regarding a goodwill request to remove late payments from me and my husbands credit file. My husband and I had experienced a financial hardship as a result of health problems and periods of unemployment in XX/XX/XXXX in which we were forced to refinance our home resulting in an extremely high APR of 11 % with Wells Fargo Financial ; however, we managed to keep up with our payments until we had another setback in XX/XX/XXXX-XX/XX/XXXX. Eventually, our loan transferred back to Wells Fargo Home Mortgage after all Wells Fargo Financial branches were closed. My husband and I would like to refinance our home at a lower APR but having the late payments and inaccurate lates and amounts reporting on our credit reports has been detrimental barriers to refinancing our home. This, I contacted Wells Fargo Home Mortgage asking for their help in removing the late payments as a goodwill gesture. I have also spoken with XXXX XXXX, Executive Resolution Specialist, Customer Care & Recovery Group by phone on XXXX XXXX and was informed that Wells Fargo could not do a goodwill gesture of removing negative reporting because they are bound by the federal government laws to report accurately. A few days later I sent an email to the XXXX XXXX XXXX, CEO, the Board Communications, and XXXX XXXX, Senior Executive Vice President of Payments, Virtual Somutions & Innovation. I spoke with Mr. XXXX several times by phone in XX/XX/XXXX, and he assured me he would look into my request to see what they could do. After  several days, Mr. XXXX called me back and said there was nothing they could do regarding my goodwill gesture request because they we bound by federal laws to report accurately and unless I found a mistake in their reporting. There is a mistake in their reporting regarding the amount of the late payments and number of late payments as I recently discovered when we received our current credit reports. Email and letter correspondences will be attached regarding this matter.

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 2018-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
XXXX XXXX XXXX called me around XX/XX/XXXX, harassing me threating to sue me over an old credit card bill with XXXX XXXX XXXX, said they are filing a lawsuit against me and told me to get a lawyer and will put me in jail if I don't pay. They ain't supposed to call me and threaten me and my family. They should know better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm no longer disputing my student loan information and I'd like those remarks removed. I've been having a hard time getting the remarks removed.

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 2018-11-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a cash rebate check from citi card on XX/XX/XXXX and deposited into XXXX XXXX XXXX. The check was returned by the bank because inadvertently we deposited into the wrong account in which the payee on the check was not on the XXXXXXXX XXXX XXXX account. 
We took the returned check and deposited in the correct account at XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX and the deposits where both returned RETURN REASON-S REFER TO MAKER. 

I have contacted XXXX XXXX XXXX and they have referred me back to citibank, stating the check was returned I have contacted XXXX and they have referred me back to citibank, stating that the check was returned i have contacted citibank many times on XX/XX/XXXX i received a letter stating the check was cashed on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the i need to complete a affidavit to further investigate on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the check was cashed and cleared Every letter came with a copy of a check with blank endorsement on the back not showing where or what bank cashed the check on XX/XX/XXXX they sent me a fraud inquiry, i completed the form and faxed it back on XX/XX/XXXX and then again on XX/XX/XXXX. 

I contacted them XX/XX/XXXX and was told by XXXX XXXX # XXXX that there is nothing citibank can do. 

I need your assistance in getting my money

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 2018-11-02 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: ME

Complaint narrative:
First off I am the victim of identity theft, someone used my info to open up a few accounts in my name sometime in XX/XX/XXXX - XX/XX/XXXX I realized this when I was denied a loan from my bank and the loan officer showed me my credit report last XX/XX/XXXX. 

I have tried my hardest to fix this without paying a service to help me, I want to buy land to build a house not get more monthly payments. 

Experian fraud depeartment misread my FTC ID theft report, and deleted the wrong account off of my report, well they also sent a block request to the other agencies, as well as sent a letter to XXXX XXXX who closed my account today because of Experian misreading dates, as well as amounts and just assumed it was the same thing. 

I have tried to contact them to fix this problem before XXXX XXXX closed my account today, and the fraud depeartment st experian admitted that there employee messed up and just assumed they where the same accounts but they are 100 % unwilling to help me fix there mistake and tell everyone that they sent false alerts to that they messed up and that the account is in fact mine. 

I just dont know what to do, now because of this mistake on there employees behalf, XXXX XXXX has closed my secured credit card account that was due for a unsecured review in literally 5 more days : -/ it's so wrong that there company can have the power to make XXXX XXXX close my account because they messed up, and the worst part is they sent XXXX XXXX the notice AFTER I talked to the rep so they are not doing anything to fix 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 non-monetary relief
Consumer complaint received 2018-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
NFCU Charged me interest on my card even if I made more than enough payment. I have an outstanding balance transfer which is up to date and purchased something online less than {$15.00}. Before the due date I made a {$350.00} payment and still charged me interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation