vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 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: NY

Complaint narrative:
I had a XXXX account which was Closed and Charged Off and Purchased by Another lender, which is reporting late payments as well. Therefore this account is reporting twice on my credit report as a derogatory. 
This is causing me alot of stress as my credit scores are below because of this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
Recently requested mortgage modification from PHH/ XXXX   Mortgage spoke with PHH/ XXXX customer service I was informed mortgage was modified but they could not give me the terms of the mortgage modification. Received the documents finally and the mortgage is a balloon mortgage and when the term is completed it will want the balance of the loans. 
This mortgage modification will make me lose my home. I have resubmitted my request for mortgage modification requested a 30 year term with a fixed mortgage rate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent Outsourcing Inc. has placed a collections account on my credit record. I do not owe the debt and requested detailed account information from the original agency and/or Convergent. After disputing through XXXX I received a letter from Convergent indicating the " debt is valid, attached is verification of debt ''. The attachment was a bill to a XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX from XXXX XXXX XXXX. This is NOT my account and needs to be removed from my credit bureau file. I have attached the documents that Convergent sent me to verify debt.

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 2020-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have a total of 3 different loans currently serviced by Navient. 

On XX/XX/XXXX, I wrote two ( 2 ) checks made out to Navient for a Stafford Loan ( Unsubsidized ) for {$11000.00} & a Direct Loan ( Unsubsidized ) for {$9900.00}. These sums would have paid the loans off in full. 

I initiated a XXXX pickup for the checks, which were delivered to Navient 's physical address ( XXXX XXXX XXXX, XXXX XXXX, PA XXXX ) and signed for by a XXXX on XX/XX/XXXX. These checks were posted the same day. 

On XX/XX/XXXX. XXXX, I called Navient to inquire why my accounts had not been updated, especially because I accrued additional interest charges. I uploaded copies of both cleared checks and the XXXX Invoice to the Navient website on my account. I was told that both loans were still active because that payment had been processed at the wrong payment center. They had been approved for transfer to my account and it would initiate shortly. 

However, they stated that because the payment was processed at the wrong facility which was responsible for different account types than the ones I possess that they would be unable to void the interest that had accrued on an account that would otherwise be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: CA

Complaint narrative:
I am a victim of identity theft. I got my credit reports and discovered several fraudulent accounts on my credit report. I've tried to fix it with Experian, XXXX, and XXXX but Experian reinserted the fraudulent accounts back to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PASCO, Inc
State: IN

Complaint narrative:
Couple of Collection Agencies continue trying to collect alleged debt disputed multiple times. 

Dates and data submitted. 


Credit Bureaus are COMPLICIT in CRIME as they also are GUILTY OF REINSERTION! 


SUE, SUE, SUE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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:
I made a payment to for a private XXXX XXXX student loan account in collections with XXXX XXXX on XX/XX/XXXX in the amount of {$3200.00}, in order to get my account balance to {$2000.00}. My credit report gets updated between the XXXX of every month. On XX/XX/XXXX, my XXXX reported my account balance for this account was {$5200.00}, which is not only wrong but an increase from the last monthly report, and there was no payment for XXXX XXXX recorded. On XX/XX/XXXX, I call XXXX XXXX and XXXX to make sure information was updated on their end. XXXX was, XXXX XXXX 's wasn't. I start a dispute with Transunion and XXXX  on XX/XX/XXXX. I call XXXX XXXX and XXXX on Friday, XXXX XXXX and they verified that they each had communicated and updated my account. On XX/XX/XXXX my Transunion dispute was resolved. On XX/XX/XXXX, my XXXX   dispute was resolved. Both disputes did NOT change the amount and did NOT record my recent payment on my credit report. I even uploaded a bank statement document to prove my payment, and provided my payment confirmation number for my XXXX  dispute, yet it was still not denied. I open another dispute with Transunion on XX/XX/XXXX and with Equifax XX/XX/XXXX. I know for a fact the information is updated and available. I don't know where they're getting their information from or if they're just delayed in updating it. I'm start graduate school in XXXX in 2 weeks and I needed to apply for a GradPLUS loan by XX/XX/XXXX. This has delayed me because based on the incorrect credit report, I would be denied for the loan needed to pay for school.

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 2020-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I opened a Citibank checking account on XX/XX/XXXX under a promotion to earn XXXX AAdvantage miles if I deposit {$15000.00} in new funds ( within 30 days of account opening ) and maintain the balance for 60 calendar days. On XX/XX/XXXX, I contacted Citibank at ( XXXX ) XXXX to inquire about the status of the promotion. A bank rep reviewed my account and stated I have met the requirements but it will take about 90 calendar days of meeting the required activities before the bonus points is posted. I waited until XX/XX/XXXX and the points still have not post. I call Citibank again to inquire on XX/XX/XXXX. The rep reviewed my account and stated I did not qualify for the bonus because I did not deposit $ XXXX within 30 days of account opening. I asked the rep to ( a ) review my account notes as to why the prior phone rep have confirm my promotion qualification and ( b ) check the external history record where it show a $ XXXX was transferred from an external financial institution. The rep could not locate any notes from the XX/XX/XXXX conversation. She viewed my account and said that although I deposited $ XXXX by XX/XX/XXXX, as a new bank account the hold period take longer and funds were not available until XX/XX/XXXX. Since XX/XX/XXXX is beyond 30 days beyond account opening, I do not qualify for the promotional bonus. 

According to my bank record, I deposited $ XXXX by XX/XX/XXXX and Citibank should not use fund availability date for calculation to deprive my account of the bonus. The terms of the promotion state " deposit {$15000.00} new-to-bank funds in the Eligible Checking Account '' not funds availability. Copy of screenshot of promotion terms attached.

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 2020-01-14 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$52000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, XXXX5 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$52000.00} -This is not my 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 2020-01-14 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Have attempted multiple times to submit Freeze on XXXX  website, following their online instructions. When I attempt to submit I get a message telling me that I can not submit a Freeze at this time. 

I have attempted to call XXXX  and can only get to a voice message that instructs on how to get a Credit report & how much it will cost.

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 2020-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. I got my credit reports and discovered several fraudulent accounts on my credit report. I've tried to fix it with XXXX, XXXX, and XXXX but XXXX reinserted the fraudulent accounts back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
After my loan was sold to PennyMac Loan Services from XXXX my monthly payment went up. I was provided with an Escrow Analysis from PennyMac and after I reviewed it I realized they make ridiculous projections in order to squeeze money out of the consumer. They had my city tax at projection less than what the previous year was. And they had my county tax projection at a 182 % increase. You would think a company who services mortgages would know how to do a proper analysis ( a simple XXXX search of my county of even using a state average would seem plausible and reasonable ). I called to get it adjusted to a proper and reasonable amount using actual data of previous tax year paid but you get connected with a customer service rep who is not qualified to deal with or understands an escrow account. And forget about speaking directly to someone within the Escrow department. After I did some research and found out that an escrow account is not required on my loan ( VA Loan ) or within any of my mortgage paperwork stating it was required I called them to cancel it. I was told they would submit a request and a approval/denial letter would be sent in the mail. The letter came as a denial due to two reasons ( 1.FICO score too low and 2.LTV ratio not met ). If they are going to make up policies and deny my request it should come with a copy of said policy. I called them again to see what either of these things have to do with me cancelling my non-required escrow account and was told it was due to the policies of the shareholders. Makes sense to me, they are a publicly traded company and focused on greed and profits. None of my paperwork states that I have to meet either of these requirements to cancel my escrow account. To further show proof they are incompetent ( or willfully increasing customers escrow account on purpose ) I switched my homeowners policy and was sent a refund of over XXXX XXXX dollars. I was told this money would need to go back into my escrow to cover my new policy being paid ( but it didn't have to be sent because of their unscrupulous business practices ). I had plenty in my escrow because I have been overpaying them to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
Quality loan service corp has unlawfully foreclosed on our property today XX/XX/2019. There was a recorded message on their automated system phone number XXXX ( attached ) dated XX/XX/2019 XXXX XXXX & XX/XX/2019 XXXX XXXX with trustee # XXXX that reflected a sale date of XX/XX/2019, we relied on these recorded messages as a time frame in avoiding foreclosure with XXXX XXXX and planned to take whatever steps neecessary to avoid foreclosure according to the XX/XX/2019 sale date. Instead they have foreclosed today XX/XX/2019 giving us false information over thier automated system and not allowing us to take the necessary steps nor time to avoid foreclosure. We request that quality loan accept thier error and rescind the foreclosure sale immediately and allow us the proper opportunities needed to take as a consumer by law in order to avoid foreclosure. We request transparency in thier recorded messages as we called today XX/XX/2019 and they deny having ever recording such messages reflecting XX/XX/2019 as a sale date and state they have no record of it. They claim they will look into thier IT department to look for the recorded messages and we are now relying on thier honesty and utmost due diligence in correcting this unlawful foreclosure sale immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: RI

Complaint narrative:
On XXXX XXXX Transunion inserted a fraudulent item into my credit report. They are aware that I was a victim of ID theft and have all required documents on file. However this item randomly appeared on my report after I fought for TWO years to have it removed. The item has been removed for over a year and now it is fraudulently re inserted into my credit report, ruining my credit again. This is in violation of the FCRA and I want it fixed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity regularly deceives customers to collect undue fees and interest on its POS credit card products. 
The stream of consumer complaints is incessant - with new complaints posted weekly as you can see here : https : XXXX 
and here : https : XXXXcomplaints In my case, I was recently charged a late fee, despite making regular monthly payments well in excess of the minimum due payment. 

In my correspondence with the company, they avoid answering direct questions, and instead obfuscate and confuse by quoting irrelevant paragraphs of their terms and services agreements. 

I will attach our correspondence, if attachments are allowed by this online form. 

Most specifically : - my credit card was issued ( at web POS ) on XX/XX/2019 - I made regular monthly payments of {$120.00} every month no later than the XXXX. 
- I was assessed a late fee of {$27.00} on XX/XX/XXXX. 
- The company would not explained how and why that fee was assessed. 

With you help, I would like to prevent them from extorting and exploiting more customers, as they continue to do regularly and on a large scale. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: FL

Complaint narrative:
Even though my credit scores are good, I am unable to get a loan, credit card or anything financed due to the complete incompetence of Experian. 
Their computer generated answering system placed a security freeze on my account without my request, permission or approval. 
The cost of this egregious error is substantial. When I finally realized the error, I called to correct their incompetence and now have to send written letters detailing who I am. They should be required to have a live body with a functioning brain answer for their computer XXXX ups. XXXX XXXX refused a new card because of this as did XXXX XXXX and several others.

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 2020-01-14 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:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
Got two calls from XXXX XXXX XXXX. I then got a notification from my credit report saying they placed a collection on my report. I never got a letter of dispute which is against fair debt collection practices. 
I then called XXXX XXXX XXXX and they state that I do not and have not had a balance of XXXX with them for the date of XX/XX/2015. I also checked with any other physician I saw and I do not have a bill for XXXX with the er at XXXX XXXX. They confirmed this. 
This company I called back and they said they were collecting for XXXX XXXX XXXX. 

There is no bill due for XXXX all of my bills with XXXX XXXX as of this date have been paid in full. This is a fraudulent bill collection attempt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: NY

Complaint narrative:
I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.

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