vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 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: AL

Complaint narrative:
XXXX was previously servicing my student loans from XXXX. The original loan date was XX/XX/XXXX, original amount was {$11000.00} and {$11000.00}. I have requested several times to XXXX and all 3 credit reporting Bureaus to correct inaccurate information on my credit report. The loans are no longer serviced by XXXX, every month from XX/XX/XXXX thru Present Interest is being added to the loans in violation of the CARE ACT for 0 % interest until XX/XX/XXXX. XXXX is showing 29 late payments on my credit report that is negatively affecting my credit rating. The Open date is incorrect on all XXXX of my credit reports it should state these loans were opened in XX/XX/XXXX. I have requested the validation of these loans and the breakdown of the current amounts of {$33000.00} and & {$24000.00}. The loans were transferred to another servicing company which is also reporting on my credit report and it show that I owe Double the amount because the loans are showing owed to 2 different loan servicing companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: AL

Complaint narrative:
XXXX was previously servicing my student loans from XXXX. The original loan date was XX/XX/XXXX, original amount was {$11000.00} and {$11000.00}. I have requested several times to XXXX and all XXXX credit reporting Bureaus to correct inaccurate information on my credit report. The loans are no longer serviced by XXXX, every month from XX/XX/XXXX thru Present Interest is being added to the loans in violation of the CARE ACT for 0 % interest until XX/XX/XXXX. XXXX is showing 29 late payments on my credit report that is negatively affecting my credit rating. The Open date is incorrect on all XXXX of my credit reports it should state these loans were opened in XX/XX/XXXX. I have requested the validation of these loans and the breakdown of the current amounts of {$33000.00} and & {$24000.00}. The loans were transferred to another servicing company which is also reporting on my credit report and it show that I owe Double the amount because the loans are showing owed to 2 different loan servicing companies.

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 2020-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I have no knowledge of this account and it is not mine. I have disputed this on my credit. They keep trying to put collections on my credit. I have no knowledge of the debts. They are not mine. The repeated re-posting of multiple collections to my credit during Covid-19 has kept me from obtaining a new credit card and divorcing during Covid as it is difficult to even dispute online right now. I believe their collection efforts have been financially damaging to me at this point.

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 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX XXXX was sick with XXXX I tried calling to defer the payment and could not reach anybody at Capital one. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have had four American Express cards for two years now with an impeccable record with no late or returned payments. 

This month, two payments were made erroneously to an old bank account on file which was no longer open. I contacted AMEX to cancel the payment and they didnt, this resulted in a returned payment. 

On XX/XX/20, my cards were closed due to the single returned payment even after explaining the issue and having it notated on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
n XX/XX/XXXX we started a home improvement project with Lowe 's. This project included granite counter tops in kitchen and baths, sinks and plumbing to complete counters. Since these items are large purchases, we were recommenced by salesperson for me and my husband to each have an amount to cover balance after we paid some down with cash. I opened an Advantage account and was approved for {$6000.00}. My husband was approved for an Advantage card for {$6000.00} in order to complete the purchase. We regarded these accounts as regular credit accounts with interest on the balance. We did not receive enough explanation from the sales staff at Lowe 's did not realize these accounts were " promotional '' and there would be a balloon payment added to the balance when it expired in 2 years. As senior citizens, we would not have agreed to these terms in this aggressive sales pitch if it was understood. 
Since XXXX we have both been making monthly on-time payments on each account. In XX/XX/XXXX a balloon interest payment of over {$2800.00} was added to my account and over {$4000.00} to wife 's account. These actions have significantly increased each monthly payment. The balances show " over limit '' because of these added charges. We dispute how these interest charges have been applied. We dispute that these accounts were agreed by us for " promotional '' terms. We want these accounts to be reviewed and re-written. We will continue to make regular monthly payments as we have done previously.

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 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to equifax regarding inaccurate information on my report in reference to an account reported by advance collections bureau. According to the FCRA its a violation to report inaccurate unverifiable information. Its also a violation for this info to continue reporting if after 30days this account wasnt verified. Ive attached copies of my certified mail receipts, i have spend alot of money to resolve this issue please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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:
I have an unverified Fraudulent account from the following company : XXXX XXXX XXXX # 6070****on my credit report. I have already filed a complaint with the FTC and CFPB. I was told that I needed a Police Report as well.

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 2020-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
We have a VA loan on our home thru Freedom Mortgage with a guarantee that we can refinance should interest rates drop. We started that process a few months ago, signed all the required documents and returned them to Freedom. We had a settlement date of XX/XX/2020. Freedom called us a few days ahead of that date and said they had to move the date because they made an error in the lot number on the documents. We were told that settlement would be postponed a week. We did not hear anything from Freedom, so called the loan service dept. to check status. We were told the loan was ready and had been sent to the main office. When we didn't hear anything, a week later we made multiple calls and spoke with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX who would not provide her last name. We also left several messages for XXXX XXXX who is the person we were told is handling the loan. She never returned multiple phone messages until a message was left telling Freedom we are going to pull our loan. Ms. XXXX then called back within 30 minutes and said we can go thru with refinance or stop it. When asked what the status is, she said the loan is with the underwriters and we should get a call for settlement within the week. We are now trying to work through loan advocate, but when we called the number provided and requested one, they transferred us to a person who said he is a loan adviser. We have now made another month 's mortgage payment at the higher rate and there is no end in sight for us for the lower rate and payment.

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 2020-09-16 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: AMERINATIONAL COMMUNITY SERVICES, INC.
State: CT

Complaint narrative:
My mortgage has to be paid by XXXX est on set date. If i pay by then and they post later i get a automatiic 30 day late hit on 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 2020-09-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: Stenger & Stenger, P.C
State: MI

Complaint narrative:
Stenger & Stenger , P.C. Creditor is XXXX XXXX amount of debt is total of {$760.00} as of XX/XX/2020 ... payment arrange in XX/XX/2020 for the total amount of {$1000.00} with payment of XXXX made 5 payments deducted from total amount of payment agreement of {$1000.00} which total my amount to {$760.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2020, mailed a dispute letter via usps certified mail to Experian in regards to the validity and accuracy of charged off accounts listed on my credit report from XXXX # XXXX and a collections account listed on my credit report from XXXX  XXXX XXXX # XXXX  In my letter I addressed each section of the accounts that were reporting inaccurately and requested that if these accounts are not reporting accurately and can not be verified they should be deleted from my Experian report. 

On XX/XX/2020, I received dispute results from Experian stating that both accounts were updated and verified. On XX/XX/2020, I mailed a letter requesting the method of verification via USPS Certified Mail to Experian which according to FCRA they have 15 days to respond to my request. I requested that if Experian can not respond to the method of verification request that they delete the derogatory items listed as these items are not only reporting inaccurately but they are also unverifiable. 

As of XX/XX/2020, I have not received a response from Experian in regards to my requests for the method of verification nor have the accounts been deleted from my credit report. In fact, Experian had the audacity to update the account balances for the XXXX # XXXX accounts and XXXX   XXXX XXXX # XXXX XXXXollection account on XX/XX/2020 instead of complying with the Method of Verification requests for both accounts. 

I am filling this complaint as Experian has consistently been negligent with reporting inaccurate information on my credit reports and it is even more concerning because they are not following the FCRA in their handling of my request for proper investigations, accuracy and they have not provided any information in response to my method of verification request. 

Due to experian 's negligence and refusal to adhere to the FCRA and the LAW, these accounts XXXX  # XXXX and XXXX  XXXX XXXX # XXXX must be deleted immediately.

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 2020-09-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a  ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: RI

Complaint narrative:
I was notified on XX/XX/XXXX by mail that my escrow account is in the negative and i owed them {$5300.00} also my mortgage would be going up starting XX/XX/XXXX. I called starting on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX several times to get a explanation on why my account is in the negative and i was told several different things by 2 different supervisors but no one was completely sure, they asked me to send an email to your department at that time i refused because i wanted to talk to someone in person about this matter, i was then told by both supervisors that my concerns were escalated to the escrow department and someone would be contacting me within 5 business days. Today is XX/XX/XXXX and i have not received a answer yet on why my escrow account is in the negative. Today is XX/XX/XXXX and no one has emailed or called me. I was promised by 2 female supervisors and one male supervisor named XXXX that they would personaly call me back and no one has contacted me at all. I will be sending additional complaints to the necessary over seeing authorities. Because they mismanage servicing and are very evasive to their customers by not returning calls with concerns about what they sent to you and not allowing you to speak directly to the necessary department you call them for, And as i looked at complaints on many websites this issue has been going on for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: SC

Complaint narrative:
In early XX/XX/2020, I called Amerisave to inquire about the possibility of refinancing my existing mortgage. I informed the loan originator that I wanted to subordinate an existing Home Equity Line of Credit and refinance if it would save me a significant amount of money. As selling points, he outlined three points that convinced me to begin the application process. 1-I was told that subordinating the HELOC would be no problem ( I also indicated this as my intention on the application paperwork ) 2-we would likely close the loan within 30 days 3-no appraisal would be required. 

Based on these three points, I agreed to pay the {$500.00} application fee with my credit card. From that point we waited weeks for a processor to be assigned ( I was not particularly concerned since we were locked in on our rate and I knew this was a high volume refi time for them XXXX. However, when I reviewed the application on my portal, the paperwork did not reflect my desire to subordinate the HELOC. 
When I called, it took over a week for the originator to respond, and when he did, he had 'forgotten ' that I wanted to do this. This happened on three or four occasions, and then eventually it became their mission to convince me NOT to subordinate, because it would just take too long. 
Weeks past and I continued to submit all requested documentation, and eventually I was informed that if I was to continue to subordinate, that I would need to have an appraisal done, and that my closing costs would increase because of the appraisal fee. At this point I sent multiple emails to both the loan originator and loan processing expressing my desire to terminate the process and to receive a refund of the application fee. I feel that this is completely justified due to the fact that NONE of the XXXX factors/points used to convince me to refinance ever materialized. It has been nearly XXXX weeks since I sent these emails and I have not received a response.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16 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: TN

Complaint narrative:
I am requesting that the following account be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator about who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with your credit reporting agency as well as the credit grantor to have this account 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 2020-09-16 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: TN

Complaint narrative:
I am requesting that the following account be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator about who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report.

Company response to consumer: Closed with explanation