vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This information is wrong on my personal information with Equifax. The following information : Equifax XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX I have never lived anywhere else in the United States but in ALABAMA and locally to XXXX, ALABAMA. This is not my address and I have no affiliation with anyone that lived there. Please remove this address from my personal file XXXX, I fear this my be related to fraudulent activity of someone trying to steal my identity. Please Remove. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
To whom may I concern. 

Around XXXX 2015 I got behind in my mortgage payment do to a laid off work. I was trying to have my lender to help me with the late payment witch they did, but it was one late payment, they did refinance the loan and put the payment to the loan. and it was a first tryout for Three months until the process was done.. 

But my problem with the lender is they keep reporting late every month for the time of the process begin until the new loan started, now I carry almost six late moths in my credit report, I cant get them to change that information, they just wont do anything else I have no other options but just keep with anger and frustration with my lender company with is PennyMac ... 

is hard to get a reasonable loans with options of higher interest rates, thanks to that. 
I wander if is anything the I can do to have my lender stop reporting inaccurate information, or if the information is accurate if so, how can I fix that in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: IL

Complaint narrative:
I already filed Fraud Report over year and half ago these bureaus XXXX and Experian I know for fact were aware and yet still reporting false account XXXX XXXX that was not opened by myself or anyone to my permission.. This needs to be properly removed as XXXX was only one to correct

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 2017-10-25 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: TX

Complaint narrative:
cra violation and hippa inaccurate information id theft victim XXXX XXXX XXXX  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 explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In XXXX of XXXX I was offered a job position, and they had to do a credit check that i had to pay XXXX for. I was denied the job because during my check it came back that my social security number belonged to someone else. After finally getting in touch wit someone from experian they explained that possibly one of the credit agencies entered my social security numberin wrong. I recieved my free reports from each agency, and there was an incorrect address on my XXXX report for someone in Ohio. After sending in identification to prove that i am me, XXXX told me the error is corrected. So i disputed this with the company that was checking my credit background for the job and once again i was denied the job because it said my social security number belongs to someone else

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 2017-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I called and made a payment over the phone on XXXX XXXX, XXXX for {$300.00} and was to be applied to suspense. Then I made another payment on XXXX XXXX, XXXX for {$600.00}, which that should of left me XXXX in suspense to help me make a full payment in 2 weeks. However, I called on XXXX/XXXX/XXXX and the agent was rude, would not answer my questions, I would ask her something and she would say we are not getting any where cause you do n't understand. I told her I understand I do n't think you understand how to read the system. because she would not and did not answer me about my {$600.00} payment that I requested to know what month the payment posted for and what happened to the extra amount is paid on the account. She placed me on hold for 10 minutes and never came back on the line. I finally disconnected the call. I was so mad that she was talking over me that I had to pull over and calm down because I was so mad after she placed me on hold and never came back on the line. I should have XXXX in suspense. If anything was paid besides my mortgage the payment {$600.00} must be rev & reapplied to satisfy my payment and the rest in suspense. No fees should be paid.

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 2017-10-25 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:
We have been in touch with XXXX XXXX directly and also through your system. 

We have Conformation # XXXX for payment on XXXX/XXXX/XXXX for XXXX. 
Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last XXXX of our bank account. We have a documented conversation with supervisor XXXX XXXX as well as her employee # XXXX. 
XXXX XXXX explained to us that XXXX XXXX had NOT Processed the payment, no fault of ours and that no late fees or late notice would be filed - XXXX XXXX bank error We have Conformation # XXXX for payment on XXXX XXXX, XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last XXXX of our account number. Note from speaking with representative telling my XXXX that XXXX XXXX just did not process. 

We were contacted by XXXX XXXX saying they would look into it, They told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank XXXX out of taking off this MIS-Reporting because they state the date THEY PROCESSED, which is after they noticed THEIR mistake. 

This is WRONG reporting on both My credit report and my XXXX. 
We need CFPB to protect us here, as we are dealing with a KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. 

Please Help XXXX, XXXX & XXXX 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 explanation
Consumer complaint received 2017-10-25 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:
We have been in touch with XXXX XXXX directly and also through your system. 

We have XXXX # XXXX for payment on XXXX/XXXX/XXXX for {$720.00}. 
Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last XXXX of our bank account. We have a documented conversation with supervisor XXXX XXXX as well as her employee # XXXX. 
XXXX XXXX explained to us that XXXX XXXX had NOT Processed the payment, no fault of ours and that no late fees or late notice would be filed - XXXX XXXX bank error We have Conformation # XXXX for payment on XXXX XXXX, XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last XXXX of our account number. Note from speaking with representative telling my husband that XXXX XXXX just did not process. 

We were contacted by XXXX XXXX saying they would look into it, They told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank XXXX out of taking off this MIS-Reporting because they state the date THEY PROCESSED, which is after they noticed THEIR mistake. 

This is WRONG reporting on both My credit report and my husbands. 
We need CFPB to protect us here, as we are dealing with a KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. 

Please Help Us, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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:
We have been in touch with XXXX XXXX directly and also through your system. 

We have XXXX # XXXX for payment on XXXX/XXXX/XXXX for {$720.00}. 
Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. We have a documented conversation with supervisor XXXX XXXX as well as her employee # XXXX. 
XXXX XXXX explained to us that XXXX XXXX had NOT Processed the payment, no fault of ours and that no late fees or late notice would be filed - XXXX XXXX bank error We have Conformation # XXXX for payment on XXXX XXXX, XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last four of our account number. Note from speaking with representative telling my husband that XXXX XXXX just did not process. 

We were contacted by XXXX XXXX saying they would look into it, They told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank XXXX out of taking off this MIS-Reporting because they state the date THEY PROCESSED, which is after they noticed THEIR mistake. 

This is WRONG reporting on both My credit report and my husbands. 
We need CFPB to protect us here, as we are dealing with a KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. 

Please Help XXXX, XXXX & XXXX 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 explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing regarding a late payment on my credit report from XX/XX/XXXX for my Chase ~ XXXX account Acct #. 
I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I was traveling out of town. During that time, I paid all my other bills on line. A copy of what was sent to me via e mail from Chase is included and highlighted in yellow. As you can see, the e mail header says nothing  about an attached bill, a bill thats upcoming, or a bill that is late, or any mention of a bill at all. Rather, it appears to be junk mail. I therefore, like you might, did not read it. I only discovered this due to my XXXX XXXX account notifying me I was late. I immediately paid the bill on XX/XX/XXXX for {$81.00}. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward and enrolled in auto pay ( see attached ). Prior to this mistake I have a perfect record of on-time payments. 
As a courtesy, I am requesting that Chase ~ XXXX make a goodwill adjustment and remove the late payment onXX/XX/XXXX from my record. This will help improve my credit worthiness and give me renewed confidence in being a Chase customer in good standing. 

Thank you for your consideration,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Afternoon, I was placed on a program due to my income probably about 8 months ago. I also had to submit information like my bank statements and work statement information. I was then requested again in XXXX to do the same thing. My account was also in delinquency and I was told once I get on this program and make payment my account would no longer be deliquient and it would show up as paid on my credit report. A couple of days ago I received a call saying that my accounts were delinquent and this is after I made the required payments. I also received a call stating I was denied from the program today. This is a total crock of stuff after all of the on time payments I made I am still being penalized and delinquent this is not a good business practice at all. I would like to resolve this situation or go into default or be transferred to a different servicers because this is ridiculous and very unprofessional. I spoke with XXXX XXXX when she told me I was denied. I am also on a income rebased payment with the federal government and I have loads of student loans there so I dont understand the denial either since the XXXX has my tax returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: Performance Settlement, LLC
State: MI

Complaint narrative:
I got a phone call from performance SLC and the guy i spoke with was XXXX XXXX back in XXXX XXXX. He had told me that the federal loans was going to forgive my loans all of the {$21000.00} except XXXX and broke it down into payments of {$86.00} a month until XXXX of XXXX. I set up everything ( gave my bank account info ). Within a few weeks i got a letter from the federal student loans department telling me i will not be paying nothing so it struck me wrong..If i 'm paying on my students loans what is the {$86.00} being taken out for. I called the number on the federal loans and talked to very nice lady that had informed me that what I was paying on was the paperwork that company did for me not my loans and she said i could have done the paperwork in 5 mins on my own, which made me very upset. I called the company back and told them they scammed me and i wanted my money back that they took from me, they did n't do it. so I had to go and change my account. I called the lady back at student loans place and told them what had happened and i told her not I 'm really scared if they were gon na put it on my credit and she told me to keep an eye on it.. well within two weeks that company put it on my credit and i just filed Bankruptcy with my husband so we can start fresh. I am asking you to please help me get it off my credit and to do something about this company, so the scamming with end and no one else will ever have to deal with this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25 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: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
cra violation and hippa inaccurate information id theft victim XXXX XXXX XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
cra violation and hippa inaccurate information id theft victim XXXX XXXX XXXX  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 explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On or about XXXX XXXX, XXXX, XXXX XXXX XXXX. news ) reported on their nightly news as well as on their online news website that " EQUIFAX EXECS SOLD STOCK BEFORE HACK WAS DISCLOSED TO THE PUBLIC. '' When Equifax FINALLY reported their data breach to the XXXX public on or about XXXX XXXX, XXXX approximately XXXX XXXX XXXX citizens ( to include myself ) placing EVERYTHING that was suppose to be CONFIDENTIAL about myself and XXXX XXXX other XXXX citizens was no longer confidential. All thanks to Equifax alleged sloppy security measures. 
XXXX also reported that XXXX XXXX XXXX, Equifax 's President for XXXX XXXX XXXX and XXXX XXXX XXXX, Equifax 's President of XXXX. Workforce Solutions each sold a LARGE amounts of their Equifax stock PRIOR to revealing to the XXXX public that Equifax had a massive data security breach. These XXXX Equifax executives financially profited off their own company 's security mistake while XXXX XXXX XXXX citizens which also includes me have suffered emotional harm and potentially financial harm as ALL of our VERY personal credit information has now been released into cyberspace. 
Before this XXXX XXXX, XXXX, XXXX news story, Equifax allegedly had a horrible reputation in their so-called " Customer Service '' Department but since XXXX XXXX, XXXX it has it now even worse. 
When I recently called Equifax about the above concerns and asking for a " Free Copy '' of my Equifax credit report, the Equifax employee just hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX closed all of my credit card accounts after pulling my credit report saying I had too many recent inquiries. I have a spotless credit history and have never missed a payment and I rarely even carry a balance on my credit cards. I 've been with XXXX for over 10 years and still have an auto loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
My Scam Mortgage Company is SLS Loan Servicing. XXXX Colorado. 
First of all I did NOT choose this company to have my mortgage with. 
XXXX XXXX XXXX turned my mortgage over to SLS last XX/XX/XXXX, without even asking me. 
All of a sudden in XX/XX/XXXX SLS is CHANGING the Terms of my TAX Escrow and they are essentially DOUBLING my monthly payment to their " Scam '' loan company. 
I believe this is a SCAM to ensure that I am NOT able to make my monthly payments and so that they can Foreclose on my Mortgage. 
I am trying to Change my Tax Escrow and pay through the Town in which I live. 
Instead of paying thru the Mortgage Company, which now appears to be a total SCAM company. They have even charged me Late Payment Fees for which I have NEVER once been late on my payments with their company. 
There was a problem last year when the switch happened for my loan and my payments were not being accepted any longer from XXXX XXXX XXXX, total, total Scam between XXXX XXXX XXXX, XXXX and SLS Loan Servicing. It appears the whole Mortgage Crisis is still a part of the fabric of America. This is absolutely unbelievable.

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 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX  credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to 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