vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-12 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: CT

Complaint narrative:
I have been unsuccessfully attempting to get a fraudulent inquiry removed from my credit report for a year. It started in XX/XX/XXXX when I received a letter from XXXX XXXX XXXX XXXX alerting me that a credit card application in my name had been rejected. I had not applied for a credit card, so I immediately called their fraud department to report this. On XX/XX/XXXX, XXXX XXXX XXXX XXXX   sent me two letters, attached. The first thanks me for notifying them about the fraud. The second states that they will request changes to the inquiries on my credit report.

In XX/XX/XXXX, I received my Equifax credit report and discovered that the hard inquiry described above was still on my report. I filed a dispute ( # XXXX  ), which was rejected. I called Equifax  and spoke to XXXX, who told me to call XXXX XXXX XXXX XXXX. I called them at the number provided, but this number did not really work. It got me to a telephone system that demands an account number to proceed. After about 10 minutes of mashing buttons, I managed to speak to XXXX, who refused to remove this inquiry from my report. I spoke to her supervisor, who told me the same thing. I eventually also spoke to XXXX  from the new accounts department in Maryland, who told me that they could not remove the inquiry, but they would set it to non-display status.

I called Equifax in XX/XX/XXXX to see if anything had been changed on my credit report. I learned from XXXX  ( XXXX ) that it had not, so she filed a new dispute ( # XXXX ). On XX/XX/XXXX, this was rejected and I received a letter, attached, stating again that I must call XXXX XXXX XXXX XXXX.

I put a long-term fraud alert on my Equifax account. I obtained a police report and FTC.gov report, for submission to Equifax in a letter. After that point, every time I have called Equifax, they are surprised to see that the item has not been removed. They then proceed to say they are removing it or filing another dispute " sure to remove it this time, '' but which never does. The most recent disputes were filed on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX  ). The response to the latter states again that XXXX XXXX XXXX XXXX says this is factual information so they refuse to remove it. The item is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 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: NJ

Complaint narrative:
These accounts showing on my credit report do not belong to me and must be removed immediately! I have filed a complaint with the FTC, Local authorities and the creditors. I requested the credit bureaus provide a copy of my signature and the lenders signature on these contracts to prove validity. I have not received any such documents. Therefore without these documents on file, the credit bureaus are breaking the law and supporting fraud!

1 ) XXXX XXXX {$0.00} High Balance {$28000.00} XX/XX/XXXX 2 ) XXXX XXXX {$0.00} 09/19/2012 3 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 5 ) XXXX {$0.00} XX/XX/XXXX 6 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 7 ) XXXX XXXX XXXX   {$0.00} XX/XX/XXXX 8 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 9 ) XXXX XXXX {$0.00} XX/XX/XXXX 10 ) XXXX XXXX {$0.00} XX/XX/XXXX 11 ) XXXX XXXX {$0.00} XX/XX/XXXX 12 ) XXXX XXXX   {$0.00} XX/XX/XXXX 13 ) XXXX {$0.00} XX/XX/XXXX 14 ) XXXX {$0.00} XX/XX/XXXX 15 ) XXXX {$0.00} XX/XX/XXXX 16 ) Bankruptcy Reference Chapt XXXX  # XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 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: Freedom Mortgage Company

Complaint narrative:
My VA loan with Freedom Mortgage Corp was paid in full on XX/XX/2019. This is supported by an Outgoing Wire Detail secured from the closing attorney. The wire detail identifies the receiving bank via routing and account number, the loan account number, and the amount paid. Although the funds are identified in the bank on XX/XX/2019, Freedom Mortgage did not post the payoff until after XX/XX/XXXX. Accordingly, Freedom Mortgage has reported to credit bureaus that my loan is 30 days late and is still not posting as paid off. This has caused my credit score to plummet from XXXX to XXXX. Now my new refinanced mortgage is reporting and Freedom Mortgage is still active, which has doubled the debt balance along with a 30 days late negative entry.

I have called and emailed Freedom Mortgage to resolve, with no results or return communication. I filed complaints with the credit bureaus and was notified today that XXXX has confirmed the reporting is correct and will remain on my record. I have never had a late payment with Freedom Mortgage and this needs to be corrected asap. My annual premiums for autos are coming due in XX/XX/XXXX and the rates are increasing due to this significant drop in credit score. I'm attaching the Wire Transfer of funds that demonstrates the loan payoff off on XX/XX/2019 ... in the amount specified by Freedom 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
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: IN

Complaint narrative:
I closed on my current home XX/XX/2018 with an FHA mortgage through XXXX XXXX XXXX XXXX. At closing, I paid {$3700.00} to the Federal Housing Administration. My mortgage was bought by Roundpoint Mortgage Servicing shortly after closing. I have been paying {$150.00} towards PMI on each monthly bill since I've owned the home ( Nearly {$6000.00} total ). Fast forward to now, I just tried to refinance my FHA mortgage to take advantage of the lower rates ( also through XXXX XXXX, but XXXX XXXX XXXX XXXX was bought by XXXX ). I was unable to refinance for the reason that my FHA loan was never endorsed. I called Roundpoint numerous times, I submitted emails explaining the problem to the emails that they told me to contact ( XXXX and XXXX ). They also told me to contact XXXX XXXX/XXXX who they said they bought the loan from ( I had no idea/was never notified that they ever serviced my loan ... never paid a bill to them ). I contacted them, and they just put a note on my account to back date my PMI. 1 ) that's illegal. 2 ) I still can not refinance my mortgage because it's still not endorsed. So I'm basically being held hostage with these interest rates until I pay off my mortgage completely unless someone does what they were supposed to and gets my loan endorsed. Besides that, where did all that money go? If it didnt pay for mortgage insurance for the past year, it certainly should be coming back to me. I get a different person everytime I call and no one is ever able to fix the problem. I have even had my lender ( XXXX XXXX ) on the line with me to help explain. It's impossible to get anyone to understand or fix the problem.

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 2019-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
FREEDOM MORTGAGE HAS BEEN PRACTICING KITING TECHNIQUES SINCE XX/XX/XXXXWITH MY ACCOUNT. THEY HAVE MANAGED TO PUT MY MONEY IN DIFFERENT ACCOUNTS SUCH AS UNAPPLIED FUNDS AND STATE I AM MISSING PAYMENTS. FREEDOM MORTGAGE HAS ACH OUT OF MY ACCOUNT XXXX  IN XX/XX/XXXX. AND TAKEN 2 PAYMENTS OUT OF MY ACCOUNT IN 1 MONTH. THEN STATE THEY DID NO SUCH THING. AND NOW I AM IN FORCLOSURE DUE TO THEIR ACCOUNTING RECKLESSNESS.

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 2019-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2019 our vehicle was in an accident the insurance company totaled the car out the Principle loan balance as of XX/XX/2019 was {$23000.00} XXXX XXXX paid out {$15000.00} Gap Insurance paid {$3000.00} the Lienholder/finance company says I still owe {$6300.00} & is now reporting to my credit after those other payoffs of that balance & says it is a Open Active non Collateral Loan I asked if they can send me the contract I signed they stated that it was not in the contract. The interest on the loan is 27.29 % XXXX  per day interest. During the loan Total Principle paid for 1.5 year payments was around {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Well fargo Bank has ended there relationship with me due to security risk and has been harassing me with tons of mail and locking my debit card at least 25 times since Ive been a customer and I havent done anything wrong ... and I was told there are few fraud claims were filed under my name and I told Wells Fargo I never claimed anything fraud and all of my charges are valid ... and they wasted my time and I didnt get any sleep at all and I also missing {$300.00} that was supposed to come into my checking account account ending XXXX  and well fargo blocked it from coming and Im being billed {$300.00} plus a balance transfer fee of {$9.00} from well fargo card services .... I pulled all my money out of Wells Fargo today and Im not longer bank with them every again Im so tired of them calling me and blocking my card and sending me mail Ive been through too much stress I just want them to leave me hell alone,, .... I need my XXXX back or back to my well fargo credit card account

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 2019-08-12 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: IL

Complaint narrative:
I have tried unsuccessfully to get my annual free credit check from Equifax for many years. I've never been able to get it from them. ( The other two companies never have a problem. ) Equifax makes you go through the entire process online, pretending that it will be sufficient, and then claims they can't provide the report after all. This is a basic issue that has been going on for years.

But this year, in the process of answering the security questions, both on the government access webpage and Equifax 's own website, every question they asked was about various car loans/leases and mortgages taken out in the past 3-4 years. We haven't done any of that. So every answer to their security questions was " none of the above '', which is very suspect. And as a result, Equifax will not allow any inquiry or dispute, because the security answers don't match and so we keep getting error messages no matter what we do. Long story short : I've tried to report what appears to be fraud/stolen identity to Equifax, both by phone and website, and they refuse to take the information or look into it, or provide me with proof of what they have under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: BBVA FINANCIAL CORPORATION
State: MA

Complaint narrative:
I opened an account from a pre-approved letter with BBVA Compass in early 2019. First, it took two months to get the card while they continued to bill me. Then, when trying to pay the bills, it gets really XXXX  up. I mail a check in and it's returned to sender " no known address. '' The will only accept a mobile phone number to make online payments, not a landline, which equates to requiring my cell phone number to do business with them - illegal. I've called in to make payments every month and each time it's a XXXX hold. I'm currently holding for minute 154. Yes, one-hundred-and-fifty-four!!! Been transferred three times to make a payment over the phone as they insist I have to pay online but won't accept my landline, only a cell phone. My cell phone is also pre-paid so it won't work with their system. What the XXXX  is this????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
Called repeatedly every minute on the minute. Sometimes as few as 20-30 seconds apart. Sometimes after I repeatedly told them to quit calling every minute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: WI

Complaint narrative:
Checkr reported to XXXX XXXX on XX/XX/2019 and XXXX XXXX on XX/XX/2019 inaccurate information about my driving record. I provided Checkr with the correct information and they still refuse to update my records

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: SC

Complaint narrative:
I am filing a complaint against Credit Bureau TransUnion for violations of the Fair Credit Reporting Act regarding the reporting of a public record ( XXXX XXXX XXXX XXXX   XXXX ACCT # XXXX. Filing Date XX/XX/XXXX ). 

In XX/XX/XXXX, I requested verification of the above file by TransUmion. They claimed verified. 

Pursuant to Section 611 ( a ) ( B ) ( iii ), I also requested a description of the method and procedure used to verify the accuracy as well as the name of the furnisher of the inaccurate information. 

TransUnion claimed that XXXX was the furnisher of the information. THIS IS FALSE! 

Atch 1 is proof that XXXX XXXX is NOT REPORTING any  public records including bankruptcy. 

Furthermore, TransUnion is in violation of Section 611 ( a ) ( 2 ) ( A ) & ( B ) by not notifying the furnisher of the information of the disputed accuracy. Atch 1 is also proof that TransUnion is FALSELY CLAIMING that they verified the above public record through XXXX as there are NO public records reporting on XXXX. 

TransUnion is also violating Section 611 ( 5 ) ( A ) by not deleting the unverified file from my credit report. 

I am requesting that you investigate my complaint and hold TransUnion accountable. Thank you. 

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 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have paid my lender for an appraisal and the value came back at {$520000.00} and i have paid down my loan to below 75 % LTV. I have not been late on my mortgage for at least 24 months. I have requested multiple times that my Lender remove PMI since my LTV is 74.85 % now but they are not removing it. They are saying based on the original purchase price my LTV is higher than 80 %. 

My Loan Amount : {$380000.00} My Appraised Value : {$520000.00} I have included a copy of the appraisal as ordered and provided by the Lender and can verifying a property value of {$520000.00}. The Lenders website is also showing a property value of {$520000.00}. 

Please help as the Lender keeps making excuses and not removing the PMI.

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 2019-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I purchased a sofa at a XXXX XXXX retail location. When I purchased the couch I was told that I could open up a store credit card account ( Comenity ) and receive 0 % interest fees for one year. I signed up for the credit card and made my purchase. After making my first few monthly payments I realized that I was being charged interest. I called XXXX XXXX, they said that it was a problem for the credit card servicer Comenity. I have now spent several weeks with Comenity but they refuse to refund the interest charges or put me on the 0 % interest plan that was advertised, they are saying that it was XXXX XXXX 's fault when the account was created. But when I call XXXX XXXX they say it's a Comenity Bank issue. Due to this neither one of them will take responsibility for the problem and fix it. I wanted to be refunded for the interest charges and put on the program I was promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-12 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: WA

Complaint narrative:
Equifax is in willful noncompliance with FCRA 605B ( a ). 

On XX/XX/2019, I sent by USPS ( tracking # XXXX ) all of the attached documents, which fulfill the requirements for a mandatory block of tradelines under FCRA 605B ( a ).  According to the tracking info, Equifax received my documents on XX/XX/2019. FCRA 605B ( a )  requires fraudulent accounts be blocked WITHIN 4 BUSINESS DAYS when receiving such documents. It has now been 6 business days, and the accounts are still appearing on my credit file.

Today, the 6th business day since Equifax received my documents, I called and spoke to a customer service representative. The representative informed me that the documents had been received, and it may take up to 30 days for an investigation to be completed. This is illegal. FCRA 605B does not allow for a time extension to conduct an investigation. The fraudulent accounts must be blocked within 4 business days. 

Willful noncompliance with the provisions of the FCRA are punishable by fines and attorney fees as described by FCRA 616. 

XXXX and XXXX  have fulfilled their duty to block these accounts, but Equifax seems to believe it is above the law. 

The accounts in question are : XXXX XXXX XXXX XXXX, ACCT # XXXX, Amount : {$1000.00} XXXX XXXX XXXX, ACCT # XXXX, Amount : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 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: CA

Complaint narrative:
The credit bureaus are reporting erroneous information on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XX/XX/XXXX Collection Agency and Original Creditor was contacted and asked to remove the false information they were reporting on the ( 3 ) credit reporting agencies.

XX/XX/XXXX Collection Agency and Original Creditor responded with an ooutdated payment stub with incorrect account information ( original creditor is falsely reporting payments made and amount of total debt owed and changed the terms of contract after credit was issued from zero percent interest/zero APR for 24 months ( signed in doctors office XXXX XXXX ) / also violated the Truth in Lending Act by changing the terms of agreements without notice and acquiring a signed document to agree to financial changes ). which is also in violation of the Fair Credit Billing Act for disclosing the incorrect amount ( {$11000.00} ) and by failing to post the payments they received in good faith of clearing the debt. ( I can provide proof of payments made XXXX ) In violation of the Fair Debt Collection Practice Act Section 807 ( 8 ) Collection Agency extended a payoff agreement of 10 % of balance on a Collection Account- after they received ( {$1300.00} ) more than 10 %, months later they left threatening voice messages and filed a case in small claims court to sue for incorrect amount of debt. I was never served papers or received any correspondence to appeal in court. 

Collection Agency is also in violation of the Fair Credit Reporting Act Section 623 ( a ) ( 3 ) they did not provide proof bearing my signature for the debt in question nor did Collection Agency provide a Dispute statement to the credit reporting agencies during this inquiry for validation of debt.

Collection Agency and Original Creditor is being defiant in a personal manner by continuing to show negligent enablement of identity fraud and defamation of character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently won suit against XXXX XXXX XXXX XXXX  for Misreporting and Violating FCRA by reporting incorrect information. Account that was incorrectly reported is : XXXX Home Equity Loan # XXXX. Open : XX/XX/XXXX. I have court order that XXXX was reporting in violation of law, and that account needs to be deleted I tried to fix this issue with Equifax back on XX/XX/XXXX by sending to this credit reporting agency a notice that I won the case and requested them to please BLOCK this account. I eve attached the lawsuit judgment as proof of case won. 

Please help me to block this information since its my right because I won the case and this credit bureau is still reporting this account. 

Please review the ATTACEHD LAWSUIT JUDGMENT.

Company response to consumer: Closed with explanation