vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Infinity Holding Corporation
State: ID

Complaint narrative:
I took out a loan for XXXX $ in XXXX and by XXXX they hit my account for {$420.00} then I made a payment in XXXX of XXXX $ come XXXX first they hit my account for another {$380.00} which the original loan States I would pay back {$1200.00} total with interest. According to my records I have paid {$920.00} as of XX/XX/XXXX. I have been receiving phone calls 4 times a day asking for another {$1000.00} in payments. I explained to them I wanted them to contact me via mail and no more phone calls or hitting my bank. they told me that this was not a law and the phone calls would continue I explained it was harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All my accounts are current yet my credit score reported byTransunion is XXXXand XXXX  is XXXX. My score is is usually mid 600 as it were 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 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Sent out certified letter did not hear anything back

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 2020-04-16 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: MA

Complaint narrative:
XXXX  removed 3 accounts from my credit report, I would also like for XXXX  to do the same since the accounts were proven not to be mine. XXXX  did an investigation and the result came back with a removal of the accounts. 

The three accounts are : XXXX INCLUDED IN CHAPTER XXXX BANKRUPTCY. 

XXXX XXXX XXXX INCLUDED IN CHAPTER XXXX BANKRUPTCY XXXX INCLUDED IN CHAPTER XXXX BANKRUPTCY All three of these accounts were removed by XXXX  from my credit report. Please investigate and remove the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reached out to Experian to correct inaccuracies on my credit report. 
They currently list multiple address that are incorrect and even obviously versions of the same address with one being the correct one : XXXX XXXX XXXX # XXXX, XXXX XXXX, Ca XXXX. The other two version don't include my apartment number or incomplete address of the street. The XXXX XXXX XXXX is my sister residence where I never resided or received mail at. 
The items being disputed were submitted XX/XX/XXXX which haven't been resolved and Experian expressing in their correspondence that their projected date of resolution to be XX/XX/XXXX. That clearly is past 30 days to verify the information I asked to be verified. 
There are two mortgage inquiries with no permissible permission to be on my report. I don't own a home and actually have a real estate license so wouldn't use either to the creditors that accessed my report. There is no accounts tied to these creditors on my 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 non-monetary relief
Consumer complaint received 2020-04-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Acceptance Rentals, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX  violated my 609 rights byreporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX, XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX XXXX  XXXX to Equifax that i applied for credit in which I never applied for. They have violated my rights to have fair and accurate ninformation on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report. This is a violation on my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Sent out certified letter did not hear nothing back

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 2020-04-16 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: Eagle Accounts Group, Inc.
State: NY

Complaint narrative:
I noticed an error on my credit report please remove.

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 2020-04-16 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: FL

Complaint narrative:
All my accounts are current yet my credit score reported XXXX   is XXXX Equifax is XXXX. My score is is usually mid XXXX as it were XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: FL

Complaint narrative:
All my accounts are current yet my credit score reported  byXXXX   is XXXXand XXXX  is XXXX. My score is is usually mid XXXX as it were 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 2020-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Delete late payment information for XX/XX/2019 and XX/XX/2019 on my credit report concerning my XXXX  XXXX XXXX XXXX  last four of acct number is 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 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have sent a letter off to the credit bureaus to have the item remove, these items which one was due in fraud and the other was reporting incorrectly. I have sent a copy of the fraud report and a letter to under law the credit bureau has 30 days to verify. Debt it now passes the 30 days allowed by the law I am asking XXXX  and Experian to remove XXXX XXXX  late payments off my credit for a violation of the FRCA. The XXXX card is a fraud account, I am attaching the letter mail of the XXXX  and Experian on XX/XX/2020, and it now XX/XX/2020. I have not received any response from these two agents.

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 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding   Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I am not earning money and asked if i could delay payments until this whole thing is over and they declined and said if i dont pay for three months, at the end of that three months i will still owe those three months even though im not earning money. That cant be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Sent off certified letter did not hear anything no one responded

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 2020-04-16 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: PNC Bank N.A.
State: NC

Complaint narrative:
My husband is in XXXX but has money in his account from work release. He makes my credit card payment of XXXX every month to PNC. The check is sent from a government account on the first Thursday of every month. I have consistently had problems from the very beginning. At first they would send the payment back so it took months sometimes to make one payment. Lately they are holding the check 3 days before applying it to my account. This month its been 2 weeks since the payment was sent and they cant seem to tell me anything. Their systems are not set up to be able to tell me if they receive the payment until it posts, which could be 3 days or more later. I know that payment is there. It has never taken two weeks to apply it to my account and this month is not the time to be holding my money. Now, if they get it posted tomorrow I wont have access until Monday because they dont credit a credit card account over the weekend. Im not sure why they are holding the checks to begin with. Then claim on the bill they deposited the check several days prior to giving me access to it. Something is not right with their business practices with payments that are mailed in. If I made an online payment today, it would be applied to my account tomorrow. I said this to them last month and they told me I was wrong, but Ive made quite a few online payments on top of what my husband pays. If I was not stuck with my husband sending money to this account I would shut it down, because it is so disorganized or unethical, Ive not determined which.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: LA

Complaint narrative:
Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff in the amount of {$1500.00} on the XXXX XXXX XXXX XXXX XXXX XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I lived at the apartment complex for ( 1 ) year and I paid on-time every single month. I never missed a payment. They offered for me to stay if I agreed to a raise in my rent. I decided I wanted to move. I completed my original lease term, gave the appropriate notice to vacate and moved out. This collection is completely unsubstantiated. I did not owe any outstanding debt and therefore there is nothing to collect and/or chargeoff. I did not know that they sent this account to collections until I obtained a copy of my most recent credit report. This false reporting of a collection/chargeoff that I do not owe and that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the apartment complex as well as the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: LA

Complaint narrative:
XXXX  ; XXXX  and Transuion should not be reporting a collection/chargeoff in the amount of {$1500.00} on the XXXX XXXX XXXX XXXX XXXX XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I lived at the apartment complex for ( 1 ) year and I paid on-time every single month. I never missed a payment. They offered for me to stay if I agreed to a raise in my rent. I decided I wanted to move. I completed my original lease term, gave the appropriate notice to vacate and moved out. This collection is completely unsubstantiated. I did not owe any outstanding debt and therefore there is nothing to collect and/or chargeoff. I did not know that they sent this account to collections until I obtained a copy of my most recent credit report. This false reporting of a collection/chargeoff that I do not owe and that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the apartment complex as well as the bureaus to remove this however, I have not been successful.

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 2020-04-16 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX  ; Experian  and XXXX should not be reporting a collection/chargeoff in the amount of {$1500.00} on the XXXX XXXX XXXX XXXX XXXX XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I lived at the apartment complex for ( 1 ) year and I paid on-time every single month. I never missed a payment. They offered for me to stay if I agreed to a raise in my rent. I decided I wanted to move. I completed my original lease term, gave the appropriate notice to vacate and moved out. This collection is completely unsubstantiated. I did not owe any outstanding debt and therefore there is nothing to collect and/or chargeoff. I did not know that they sent this account to collections until I obtained a copy of my most recent credit report. This false reporting of a collection/chargeoff that I do not owe and that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the apartment complex as well as the bureaus to remove this however, I have not been successful.

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 2020-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Since 1996 I've been having to place the Loan in forbearance because at the time it was a single income family. We have just know been offered the income-driven option, this is the first time anyone from Navient has told us about the program. It's been well over 20 years and to just now tell a client about this repayment option is unthinkable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I purchased a home at XXXX XXXX XXXX in XXXX Michigan XXXX. The loan was made by XXXX XXXX XXXX. In my paper work I have a form that my wife and I signed that said my home is not in a flood zone and that my zone is zone X and that we are not required to have flood insurance. 

Cut to 7 years later and the loan is now serviced by Well Fargo and that are telling me I need flood insurance and that Im in zone AE and the map is from XXXX XXXX. 

I have sent them the documents that support that I dont need flood insurance and they still refuse to let me not have flood insurance. 

So I reached out and got a quote for flood insurance and the insurance company sent me to quote and on the quote it said that we are in zone X which is the lowest zone and even said I dont need flood insurance themselves.

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 2020-04-16 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: CA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-04-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Our mortgage terms call for monthly payments. However, I prefer to make bi-weekly payments in order to reduce interest and pay off the loan sooner. There is no penalty for early payoff in the mortgage terms. The payments total just over the amount of the monthly mortgage payment. We have never had any late payments on our mortgage. In fact, we are generally ahead in payments by a month 's time. 

This worked out fine until our mortgage was purchased by another company ( LoanCare ). I generally send payments via my bank 's Bill Pay feature, which mails physical checks. The new company began applying the bi-weekly payments as " principle payments '' rather than " regular payments ''. This requires me to call every month and have them alter the payments in their system, otherwise they considered it a missed payment for the month, even though I had paid MORE than the regular mortgage payment! I've requested multiple times that they apply any and all funds I send to " regular payments '' first, then any additional funds towards the principle. 

They have repeatedly refused to apply the funds I send as a regular payment, stating that their " system doesn't allow partial payments ''. To that point, they don't allow partial payments via their website for " regular payments '', but they DO allow smaller payments towards " principle payments ''. This means that they are absolutely capable of accepting lower payments. They are making a conscious choice not to apply them to " regular payments '' first. They have specifically created a system that makes it impossible to make payments in a way that reduces your interest rate without having to make a double payment! Since there is nothing in the terms of our mortgage that prevents payments from being applied in the way that I prefer, their non-acceptance of my funds towards " regular payments '' is a violation of the mortgage.

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