vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-14 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: OR

Complaint narrative:
credit Bureaus are inaccurately reporting my bankruptcy as dismissed. Bankruptcy was Discharged in XXXX of XX/XX/2012, Credit Bureaus have said that the Bankruptcy court told them my case was dismissed. Bankruptcy Court told me they did not talk to the Credit Bureaus

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 2019-02-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA

Complaint narrative:
I received a call regarding a balance ( {$140.00} ) on a payday loan from First Virginia. I advised I did not take out a loan with First Virginia for that dollar amount and settled the account with a different collections agency. The rep asked me to fax the receipt. I advised I had to find it since it's been well over a year. I called the debt collector ( XXXX ) today and advised I found my receipt but did not have the ability to fax it at this time. I asked if I could email it and was advise that wasn't an acceptable form of transmission. I then proceeded to advise the rep that I am disputing the debt and requested that they send me documentation supporting their claim. The rep advised I had to settle the outstanding amount prior to them sending supporting documentation for the claim. The rep continued to advise they are not required to send me anything showing proof of this transaction and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: OR

Complaint narrative:
credit Bureaus are inaccurately reporting my bankruptcy as dismissed. Bankruptcy was Discharged in XX/XX/2012, Credit Bureaus have said that the Bankruptcy court told them my case was dismissed. Bankruptcy Court told me they did not talk to the Credit Bureaus

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 2019-02-14 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: OR

Complaint narrative:
credit Bureaus are inaccurately reporting my bankruptcy as dismissed. Bankruptcy was Discharged in XX/XX/2012, Credit Bureaus have said that the Bankruptcy court told them my case was dismissed. Bankruptcy Court told me they did not talk to the Credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: CA

Complaint narrative:
Telephone payment made via XXXX  Telephone Payment System. I assumed the payment had been posted as I received a confirmation number from the automated Telephone system. The system did not post the payment at the time payment made. I discovered this error made by XXXX payment system and notified XXXX XXXX. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error or an occurred at the time the payment was made. The telephone system provided by XXXX XXXX to consumers allowing the processing of payments is not infallible. XXXX  to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...

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 2019-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Im opening this complaint because Im having an issue with my XXXX XXXX XXXX. Please see the following details : - Approximately a month ago Id learned the somehow XXXX  XXXX XXXX was given a dispute letter which was intended for and submitted to XXXX XXXX. 
- First, I dont know how XXXX  XXXX XXXX receives a copy of a letter pertaining to a loan that does not belong to them. 
- Secondly, I dont know why representatives at XXXX  XXXX XXXX did not thoroughly read the letter upon its receipt as it named a private lender who it was intended for who is not XXXX  XXXX - Instead, XXXX  XXXX XXXX has removed my Student Loan Information from my credit as of to date - That means Im now not getting fair credit reporting on students belong to me as I am still responsible for paying the bill each month - Ive now contacted XXXX  XXXX twice regarding this issue. Once approximately in XX/XX/2019 and the other on today XX/XX/2019 - I dont remember who I spoke with in XX/XX/2019. The person I spoke with today is named XXXX. His ID is XXXX. 
- The reason has become a XXXX XXXX XXXX issue now is because XXXX XXXX XXXX didnt read the letter for XXXX when they first mistakenly received it. 
- Even after I called them about the mistake in XX/XX/2019, they still didnt get the manner handled properly This was so very simple and could have been avoided. All the original area /representative who received the letter needed to do is realize the letter was meant for another company ( private ) and not meant for XXXX  XXXX XXXX XXXX Instead, all or portions on My student loan information got removed from my credit report ( s )  which is very damaging as it has caused a major drop to my credit score right during my home search and buying process. XXXX XXXX is now showing as a closed account when it is not. This is not fair to me as a consumer making payments on my XXXX  XXXX accounts. Im not happy about this as Im sure no one else would be.

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 2019-02-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Im opening this complaint because Im having an issue with my XXXX XXXX XXXX. Please see the following details : - Approximately a month ago Id learned the somehow XXXX XXXX XXXX was given a dispute letter which was intended for and submitted to XXXX XXXX. 
- First, I dont know how XXXX XXXX XXXX receives a copy of a letter pertaining to a loan that does not belong to them. 
- Secondly, I dont know why representatives at XXXX XXXX XXXX did not thoroughly read the letter upon its receipt as it named a private lender who it was intended for who is not XXXX  XXXX - Instead, XXXX XXXX XXXX has removed my Student Loan Information from my credit as of to date - That means Im now not getting fair credit reporting on students belong to me as I am still responsible for paying the bill each month - Ive now contacted XXXX XXXX twice regarding this issue. Once approximately in XX/XX/2019 and the other on today XX/XX/2019 - I dont remember who I spoke with in XX/XX/2019. The person I spoke with today is named XXXX. His ID is XXXX. 
- The reason has become a XXXX XXXX XXXX issue now is because XXXX  XXXX XXXX didnt read the letter for XXXX  when they first mistakenly received it. 
- Even after I called them about the mistake in XX/XX/2019, they still didnt get the manner handled properly This was so very simple and could have been avoided. All the original area /representative who received the letter needed to do is realize the letter was meant for another company ( private ) and not meant for XXXX XXXX XXXX . Instead, all or portions on My student loan information got removed from my credit report ( s ) which is very damaging as it has caused a major drop to my credit score  right during my home search and buying process. XXXX XXXX is now showing as a closed account when it is not. This is not fair to me as a consumer making payments on my XXXX XXXX accounts. Im not happy about this as Im sure no one else would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Im opening this complaint because Im having an issue with my XXXX   XXXX XXXX. Please see the following details : - Approximately a month ago Id learned the somehow XXXX XXXX XXXX was given a dispute letter which was intended for and submitted to XXXX XXXX. 
- First, I dont know how XXXX  XXXX XXXX receives a copy of a letter pertaining to a loan that does not belong to them. 
- Secondly, I dont know why representatives at XXXX XXXX XXXX did not thoroughly read the letter upon its receipt as it named a private lender who it was intended for who is not XXXX XXXX - Instead, XXXX XXXX XXXX has removed my Student Loan Information from my credit as of to date - That means Im now not getting fair credit reporting on students belong to me as I am still responsible for paying the bill each month - Ive now contacted XXXX  XXXX twice regarding this issue. Once approximately in XX/XX/2019 and the other on today XX/XX/2019 - I dont remember who I spoke with in XX/XX/2019. The person I spoke with today is named XXXX. His ID is XXXX. 
- The reason has become a XXXX XXXX XXXX issue now is because XXXX XXXX XXXX didnt read the letter for XXXX   when they first mistakenly received it. 
- Even after I called them about the mistake in XX/XX/2019, they still didnt get the manner handled properly This was so very simple and could have been avoided. All the original area /representative who received the letter needed to do is realize the letter was meant for another company ( private ) and not meant for XXXX XXXX XXXX . Instead, all or portions on My student loan information got removed from my credit report ( s ) which is very damaging as it has caused a major drop to my credit score right during my home search and buying process. XXXX XXXX is now showing as a closed account when it is not. This is not fair to me as a consumer making payments on my XXXX XXXX accounts. Im not happy about this as Im sure no one else would be.

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 2019-02-14 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:
Telephone payment made via XXXX Telephone Payment System. I assumed the payment had been posted as I received a confirmation number from the automated Telephone system. The system did not post the payment at the time payment made. I discovered this error made by XXXX payment system and notified XXXX XXXX. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error or an occurred at the time the payment was made. The telephone system provided by XXXX XXXX to consumers allowing the processing of payments is not infallible. XXXX to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: CA

Complaint narrative:
Telephone payment made via XXXX Telephone Payment System. I assumed the payment had been posted as I received a confirmation number from the automated Telephone system. The system did not post the payment at the time payment made. I discovered this error made by XXXX payment system and notified XXXX XXXX. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error or an occurred at the time the payment was made. The telephone system provided by XXXX XXXX to consumers allowing the processing of payments is not infallible. XXXX to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...

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 2019-02-14 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: Experian Information Solutions Inc.

Complaint narrative:
I placed a freeze on my credit after the XXXX breach. I placed freezes with both XXXX and Experian. Now, I need to unfreeze my file. I was able to do this online with XXXX, but unable to do so with Experian online or by phone even when supplying my PIN. I called both of Experian 's XXXX numbers but only received a computerize phone instructions to mail a letter with all sorts of information and supporting documentation. First, I am a DoD civilian stationed in XXXX, and it's not clear to me whether I need to use my XXXX address or my XXXX address. Second, the amount of documentation required is simply excessive, especially in consideration that I supplied my PIN. Third, I am virtually guaranteed to experience an unacceptably long delay in using my credit because I am forced to use mail. Being overseas, I'm looking at 1-2 weeks for mail to arrive plus 3 additional days for Experian to process my request. I'm moving back to XXXX next month and have need to obtain housing, which will require a credit check. Now, how am I supposed to do that in time? Experian simply has an unacceptable process, and it does not need to be so onerous. To wit, XXXX 's approach was simple, and I didn't even have to supply my PIN. It makes me angry that these credit bureaus are legally permitted to broker in my credit, that one of them breach my sensitive information prompting me to go through elaborate procedures with multiple bureaus to protect myself, and that I have to go through another unreasonably complex, inefficient, and risk-prone ( i.e. mailing all sorts of sensitive information through the mail to a credit bureau address ) procedure. I request that the CFPB investigate these practices or seek to have an investigation occur, seek injunction to stop these practices, and seek damages on behalf of me and other injured individuals.

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 2019-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I was impacted by 2 CA wildfire national disasters, one in XX/XX/XXXX & XX/XX/XXXX. I have been requesting disaster assistance but have not been told I can not apply for disaster assistance, but to apply for a modification. I was told that if I submit all the documents, my sale date would be postponed while my documents are reviewed. I submitted all te documents within the time frame-but the sale date has not been delayed & I have not been able to discuss my options with a representative. I am also concerned bc of a transfer date error by caliber, which caused delays in my obtaining assistance from the correct servicer, please see attached documents, since my loan was transferred during the disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Payments recieved by Citibank on XX/XX/2018 and proof was provided to Citibank per their request the card was paid {$150.00} on the above date They have failed to resolve this as promised removed temporarily payment For this and are charging late fees and interest like a domino effect We have closed the account and Filed a dispute with the bank that provided the payment to Citibank. This is Pending

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 2019-02-14 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:
per your investigation you have written and concluded that XXXX XXXX XXXX and XXXX XXXX have been DELETED from my credit report. However, after carefully review my credit report on XX/XX/2019 I still see both account appearing on my credit report. This is a violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX. On XX/XX/2018, I received a letter from my lender WELLS FARGO claiming that there is a shortage in my escrow account of {$930.00} due to this issue my monthly mortgage payment went from {$2200.00} to {$2400.00}. 

It is important to let you know that I was never formally informed or notified by Wells Fargo about this shortage ONLY until XX/XX/XXXX. It is Wells Fargo 's responsibility to notify me is there a change in my mortgage account. 

I called Wells Fargo and complaint about this matter and my case was assigned to an executive investigator. Will you kindly help me to make sure this executive conducts an honest and fair investigation? 

The name of the Wells Fargo Executive is XXXX XXXX XXXX My Wells Fargo account number is : XXXX Name : XXXX XXXX PH : XXXX Please see the Wells Fargo escrow statement attached herewith.

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 2019-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
We applied for a cash-out mortgage refinance through Rocket Mortgage in order to pay off some credit card debt back in XXXX of 2018. Our loan officer chose to put us in an FHA loan even though we had more than enough equity in the home and both my wife and I have excellent credit.

Before closing on the loan, there was only a mention of MIP or 'upfront mortgage insurance premium ' as a line item in our closing costs. There was absolutely no mention of that money ( {$5600.00} ) being non-refundable, as we came to find out a year later when we recently refinanced in order to move to a conventional mortgage.

Our new loan officer assured us that at least a portion of that {$5600.00} would be refunded after the new loan funds and the old FHA mortgage is paid off. He stated we can use our FHA case number to apply to have a portion of our MIP refunded totaling around {$3900.00}. This became a deciding factor to move out of the FHA loan and into a conventional mortgage.

However, when I called FHA HUD they gave me a different story, stating the money we paid last year is now gone, and we are not owed a refund. How is that possible?? We basically paid almost $ 6k for the pleasure of having an FHA mortgage for less than a year. Had we been made aware of this ( non-refundable ) payment back in 2018 we NEVER would have agreed to the FHA loan, and it was the responsibility of Rocket Mortgage to make that fully clear. This is a lot of money that we are out, for no reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
1st Complaint In reference to the XXXX XXXX XXXX XXXX  ( Collection Agency ) correspondence dated XX/XX/XXXX. Please be advised that I would like to officially file a complaint against Synchrony ( lender ) and XXXX XXXX XXXX XXXX for the improper handling of my account with XXXX XXXX issued by Synchrony ending in XXXX. 

on XX/XX/XXXX I applied for an XXXX XXXX Credit Card at their store in XXXX, NC. Since the date I submitted the application I never received any statements or any type of correspondence until XX/XX/XXXX when I harassed by a collection agency about an outstanding debt that transferred to collection. I had to contact the XXXX on the card and they confirmed the status of the account and by way of conversation I found out that I owed {$34.00} from the date of application that accrued interest and late fees of {$140.00}, but more importantly damaging my credit history due to the negligence on XXXX XXXX as well Synchrony Part. They didnt have a good address for me therefore I never received any correspondence. They told me on the phone they tried to contact me via email which obviously was captured by spam therefore I never received a monthly statement or any other method of notification of a payment due. 


2nd complaint Privacy breach. 

For a whole year my info has been sent to someone somewhere which comes with the risk of identity theft. It seems like that is not a one off situation since I was mailed a JC Penny statement in the name of XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX NY 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 non-monetary relief