vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 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: GA

Complaint narrative:
I ORIGINALLY DISPUTED THIS ITEM WITH EXPERIAN XX/XX/XXXX FOR XXXX XXXX XXXX XXXX IN THE AMOUNT {$19000.00} STATING THAT THIS WAS A FRAUDULENT ACCOUNT. I INCLUDED A COPY OF MY IDENTITY THEFT REPORT THAT WAS FILED WITH THE FEDERAL TRADE COMMISSION LISTING THE ABOVE MENTION ACCOUNT, DRIVERS LICENSE, AND SOCIAL SECURITY CARD. EXPERIAN DID REMOVED THIS ACCOUNT FROM MY CREDIT REPORT XX/XX/XXXX. IN XX/XX/XXXX THIS ACCOUNT REAPPEARED BACK ON MY CREDIT. I DISPUTED THE ACCOUNT AGAIN XX/XX/XXXX FOR EXPERIAN TO RESPOND WITH THE ITEM REMAINS ON MY CREDIT. PER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA THIS ACCOUNT SHOULD HAVE BEEN DELETED AND BLOCKED.

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 2019-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I made a purchase with XXXX on XX/XX/XXXX of this year. Rather than use my credit card to make the purchase of {$1900.00}, I took advantage of their 18 Months Deferred Interest offer to use XXXX  's credit card.

I received my order in a timely manner and the goods were not damaged in any way. 

In late XXXX, I received a phone call from XXXX XXXX regarding payment. They notified me that I was 30 days past due. I apologized and promised payment when I did my bills for XXXX. I asked at that time how much was due. The amount stated was {$140.00}. Shortly thereafter, I received an actual bill from XXXX   with the amount due at {$140.00} I authorized payment through my bank on XX/XX/XXXX for {$150.00} ; my bank processed the check on XX/XX/XXXX and the check arrived at XXXX 's PO Box on XX/XX/XXXX. 

Today, XX/XX/XXXX, I received another bill from XXXX XXXX/XXXX. The billing cycle had ended on XX/XX/XXXX and no payment had posted. I checked my bank and no check has cleared though they had tracked the payment as received in XXXX XXXX at the creditor 's PO Box . 

I called XXXX XXXX thereafter to discuss the matter this morning. I was asked for my account number, which is NOT plainly indicated on the statement, and shared with no less than 4 people the situation that I needed to resolve. I was also informed on this call that I should have received a welcome packet with my first bill, of which I did not. While on the phone with XXXX, I was told the only way I could resolve this issue was to set up an account online so that I could communicate with them and share my bank documentation. To resolve this issue will take 48 hours or more as the people responsible for receiving and posting payments are not customer-facing employees. 

Upon closer inspection of the bill I received today, XXXX has charged me a {$38.00} late fee and {$2.00} Interest Charge. Please remember that my purchase was supposed to be interest-free for 18 months. 

I also called XXXX Customer Service today and explained that I believed their Credit Card partner to be somewhat dishonest and not helpful in resolving the situation. 

This afternoon, I received TWO credit alerts that XXXX/XXXX has reported that I have newly reported delinquencies on my credit report. Now I will be forced to fight credit bureaus with this situation so it does not impact my credit score.

It seems to me that XXXX XXXX   is attempting to earn additional fees by 1 ) not sending my first statement, 2 ) charging Late Fees when payment has been made, 3 ) collecting interest that is not due or causing my payment to be late so that they can skirt the terms of the agreement that I made with XXXX to make timely payments in exchange for 18 months Interest-Free financing. 

I believe that XXXX and XXXX need to be audited for their questionable lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: Credit Karma, LLC
State: NY

Complaint narrative:
In XXXX I received an auto loan to purchase a XXXX XXXX XXXX with XXXX XXXX. The car was repossessed in XXXX. In XXXX I had hired a lawyer after the collection agency had attempted to pursue judgement. A court date was scheduled for XX/XX/XXXX and the plantif XXXX had dismissed the case. I do have a notice of dismissal from New York State.  Since obtaining the other of dismissal I have tried to dispute it myself multiple times. I have disputed the charge with credit reporting systems and my balance actually increased. My balance is now {$10000.00}. I tried to contact XXXX XXXX legal department and I have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been attempting to secure financing on vehicle and the financing company uses Equifax. There is a fraud alert on my account due to the Equifax breach years ago. On the first credit inquiry the financing company told me the phone number is incorrect and I contact Equifax XX/XX/XXXX and was told to fax in to forms of Id and pertinent information on my phone numbers. I did that the 2nd week of XXXX. The financing company attempted another credit inquiry and got the same results invalid phone number a week latter. I contacted Equifax again and was told they could not read the driver license and to mail in a copy. I did that the same day. Again the financing company recieved an invalid phone a week later. I contacted Equifax again on XX/XX/XXXX. I was in XXXX 5 streets from their corporate headquarters and volunteer to present my driver 's in person. They told me I had to mail in my request. So I went to the Post Office in thier same zip code one block from their office and mailed the second letter on XX/XX/XXXX. The finance company continue to receive the same invalid phone a week later. I again contacted Equifax on XX/XX/XXXX and again was told the only recourse I have is to mail in my request. I again went the same Post Office and mailed my third request in to Equifax. This financing based based on some incentives from the car manufacturer, which I'm now going to lose due to the inability of Equifax to process one of my 3 attempts to supply my driver 's licence by mail. I would like a review to be completed on their inability to process mail request and reimbursement of the funds I have lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MST Financial Services, L.L.C.
State: ID

Complaint narrative:
A company called XXXX XXXX XXXX is reporting on my credit reports that a 5 year old medical bill is over {$800.00} and that I paid over {$300.00} on this bill that I never did the credit reporting agency 's investigated it once and removed it. XXXX turned around put it back on my credit reports 2 years later with false information I have included the original bill it was for {$310.00} with a start day of XX/XX/2014 and a final appointment on XX/XX/2014 this bill is pass the statue of limitations in Idaho state. XXXX XXXX phone # 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 2019-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
I received a collection on my credit report from Enhanced Recovery Company. They showed an amount of {$640.00} with original creditor XXXX. I closed this account with a {$0.00} balance in XXXX. The date they put on my collection was XX/XX/XXXX. It made my credit score drop 25 points. I called them and asked what this is. They told me that they worked for XXXX and couldnt validate the charges and I would have to call XXXX which I did. I filed a FCC complaint against XXXX only to find out they sold my account and could no longer research or make changes. I asked ERC why they didnt send me anything by mail so I had an opportunity to dispute. They said they didnt have to. They said they attempted to call me but I never received any calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX is reporting 120 or 180 late payment for XXXX/ XXXX/ XXXX of XXXX and XXXX/ XXXX/ XXXX of XXXX. The account charged off on XXXX in XXXX, XXXX which means its not longer on XXXX/XXXX books and was transferred to collection company ( XXXX XXXX ). Once Therefore they should not be reporting to credit bureaus beyond the XXXX, XXXX. I believe that reporting from XXXX, XXXX until today should reflect either Failed to Pay or Charge Off. I have disputed this many times and it is still wrong with all the bureaus. 
In addition, please note that I have already settled account with collection agency.

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 2019-04-24 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: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I was contacted by Quicken Loans to see if I am interested in their refinance product. They did not ask my permission nor clearly communicated to me that they are pulling my credit report. After we get off the phone, I get a notice on email that my credit was pulled by them. It is not permissible to pull someone credit without their permission when I dont have existing business with them and did not request a credit transaction or business from them. My credit was not AUTHORIZED to be pulled on XX/XX/19 by XXXX XXXX from Quicken loans. It seems XXXX XXXX the quicken loan agent is not even licensed in State of California where I live. 
Their junior client relationships team states that since I have disclosed my SSN to them as lender it makes it permissible for them to pull my credit without my consent. And when I asked them to email me this statement they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: KS

Complaint narrative:
In late XXXX or early XXXX of 2018 I applied for an unsecured personal loan through www.bestegg.com. I requested and was approved for {$15000.00} and my originator is set at XXXX XXXX XXXX. I was sent an email that had the fees and was surprised by the cost to do the loan. I live in the state of Kansas and it is my understanding the origination fee for Kansas residents is 2 % up to {$100.00}. I would like the fees associated with my loan to be reviewed by the CFPB to see if there was any wrong doing in the fees charged for a Kansas resident. I would also like a copy of my TIL and Promissory Note for my records. These documents were never sent to me and are not available through the customer online portal website of XXXX 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to know when exactly first Delinquency of account occurred? 
Is the account already sold to third party collection? can I settle account directly with 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 2019-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: STERLING JEWELERS, INC.
State: IA

Complaint narrative:
On XX/XX/XXXX, I went into Jared 's Galleria of Jewelry, and was interested in purchasing something. During this visit, the salesperson wanted to run a credit check to make sure I would be eligible for financing. They told me that they would run a soft pull of my credit just to see if I qualified for financing. At no point did they mention a line of store credit, or tell me that I would receive a card. 

A couple weeks later, I receive a card from Jared in the mail, that I never activated. I then got a notification from my Credit company that another credit account was opened for me with a XXXX balance. I called the Company and they claimed I should have been told about line of credit, but I was not. They also falso claimed that if I don't use the credit card within 60 days or so, it would automatically closed. Which I confirmed with the bank that issues the cards, that it wouldn't be going anywhere unless I cancelled it. I got a hold of the card issuer and they cancelled the card for me immediately, noting that it was an unsolicited line of credit. I just want to make it known this company is pushing this line of credit on their customers.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp
State: NY

Complaint narrative:
I contacted the company on XX/XX/2018 via certified mail and requested my signature as proof of contractual obligation to pay debt. Company sent me back on online printout/statement. 
On XX/XX/2018 I again sent them a request via certified mail stating : I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. The company again told me the debt was verified with no proof of signature or any response as to who verified the debt. Nothing as of yet from company and they are still reporting the debt negatively on all credit reports. stating I owe {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: MN

Complaint narrative:
XX/XX/XXXX I called my Caliber Mortgage Company to accept there Loan Modification Trial Payment Plan which my partner and I had applied for. The letter we had received from Caliber Mortgage regarding the Loan Modification three month trial plan said to call to accept the plan if we approved and when we called and said we accepted the plan on XX/XX/XXXX the representative told us we did not need to make any payment until XX/XX/XXXX which was the first of the Trial Payment plan. At this time we were not behind on our mortgage. We would have ordinarily made XXXX and XXXX mortgage payments but she said we didnt have to make a payment until XX/XX/XXXX. In XXXX we got a letter from Caliber Mortgage stating that we were 2 months behind on our mortgage! We were in shock because of what the representative at Caliber Mortgage told us about not making a payment until XX/XX/XXXX! 
We called and talked to Caliber Mortgage several times complaining that this representative told us incorrect information during our XX/XX/XXXX conversation about not making a payment until XX/XX/XXXX and they have not been accountable for this incorrect information told to us!! On XX/XX/XXXX we received a letter from XXXX XXXX XXXX Mortgage stating that the servicing of our mortgage loan was transferred from Caliber Home Loans to new a servicer called XXXX XXXX XXXX XXXX. I have called and talked to XXXX XXXX XXXX to see if they will put the two months we are behind at the end of the Loan after we are done with the three month Trial Plan which we only have one more month left to pay on the three month trial plan. The representatives I have talked to can not tell me if they will do this! I would like to know if Caliber Home Loans has a recording of our conversation with their representative XX/XX/XXXX telling us that we did not have to make a payment until XX/XX/XXXX. Caliber Home Loans representatives in the Modification Department tell me they dont know how far back the recordings are saved. I was told this today XX/XX/XXXX. This has adversely affected my credit score and caused us much duress! We have been current on our payments the past five years having just completed a Chapter XXXX Bankruptcy in XX/XX/XXXX and we were looking forward to improving our credit and now are devastated by the misinformation the Caliber Home Loan representative gave us on XX/XX/XXXX making us two months behind. Can Caliber Home Loans be held accountable for this misinformation?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
we have tried to work with Pennymac since 2013, upon my father in laws death. Pennymac has refused to assist us in this matter and had my husband sign what I believe to be a predatory loan modification and lied about origination dates. We asked that the loan be moved into my husbands name originally and they stated that that could not do that even though probate had closed. I am perplexed as to why they are able to operate like this my husband has been asked to complete several forms and also has to have them all notarized for them to speak with me yet they never seem to have the form available to be viewed or request another one.. My husband is permanently XXXX and we are trying to keep this him. this all stated with a predatory loan for a construction project that has yet to be completed and the company attached the entire bill to our property taxes. I have tried to resolve this many ways and its just wont work I am in need of assistance to resolve this matter, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tormey Bewley Corporation
State: AZ

Complaint narrative:
I was sent a debt collection letter for a medical bill ( for a XXXX procedure ) of {$300.00} plus interest of {$170.00}. ( This is more than 50 % interest ). I want to know if it is legal for the debt collector to add over 50 % interest to the medical bill. They also mention in the letter that there is a judgment involved. I am not aware of any judgment proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
A collection company by the name of XXXX XXXX XXXX XXXX XXXX is reporting a collection account for a XXXX account that I have never opened. I have asked them to provide me with a signed contract because I have no knowledge of this account when I disputed this with the credit bureau within 30 days they responded with a letter advising the account was verified but they have not provided me with anything that shows that I signed a contract. I have also contacted the collection company and asked for a signed contract which I have not received. After I disputed this with XXXX XXXX XXXX they sent me a letter stating " we have updated our records to show that this account is disputed and to call to discuss payment options '' but did not provide me with anything stating I still have a right to dispute further. I have followed up and sent another dispute letter recently because it was still within 30 days of receiving an initial response from them. After all of that I received a notice from the court stating they are suing me for the debt for an account that I have never opened and have yet to produce a signed contract for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: FL

Complaint narrative:
Experian would not investigate the false charge on my credit report, and wouldn't send a copy of the investigation.

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 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I have tried to access my credit report online. When I try going through the verification process, Im presented with a number of questions that does not apply to me. After answering the questions and imputing the correct answers from my credit report, Im told the information that Id enter doesnt match the record Equifax has on file for me. This problem is only with Equifax. I contacted Equifax and they told me the computer only generate questions thats on my credit file. I explained to them that, thats impossible because none of them applied to me or my credit file. They offered to send out a free credit report to help me answer the questions in the future, for when I try again. I received the report and tried again in XX/XX/XXXX. When trying to verify my identity through Equifax, Im told it doesnt match their records. Despite me going by exactly whats on my credit report they sent. I contacted Equifax and was told they will send out a new report because the information may have changed. I received the new report that had the same exact information as the first report. I contacted Equifax once again in XX/XX/XXXX. I was told they are not able to do anything about it because the computer is the one that generates the questions. I repeated the same process in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no solution or any corrections. There is inaccurate information on my credit report that Im not able to dispute because I dont have any access and the computer generates questions that does NOT apply to me nor my credit file, AT ALL!

Company response to consumer: Closed with explanation