vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 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  and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX  - partial account numbers XXXX ; XXXX ; XXXX ; XXXX.. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is  impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir or Madam, I reviewed a copy of my credit report and I noticed unauthorized inquiries had been made by the following companies : XXXX   XXXX XXXX Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX I contacted the above mentioned creditors and asked them to remove their credit inquiry from my credit profile on several occasions however all of the inquires have not been removed. Im request that you remove these inquiries on my credit report and send me an updated copy of my credit report. I'd like the credit bureaus to please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation if the above credit inquiries are not removed. Thank you for your assistance in this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: NC

Complaint narrative:
I opened an XXXX XXXX XXXX account through a third party for the bundled package. They somehow opened XXXX accounts on the same day ( one that nothing was done with, and the other that I still use to this day ). I then received the bill for the second account from XXXX XXXX XXXX XXXX and they saw the problem, and said that my account would be pulled back from the collection agency and then closed out with a XXXX balance. They clearly stated they saw the problem, and it was an error. A few months passed and I didn't get any bills from AFNI Collections. All of a sudden they have started again. I called XXXX XXXX XXXX XXXX again ANGRY, and gave them the account number that XXXX was trying to collect on. They said they couldn't find the account. I called XXXX and explained to them the situation, they told me to contact XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX XXXX and was told that, " Yes, there was an error on their behalf, and the account was closed with a XXXX balance. '' I even gave them the account numbers that are showing on the AFNI Collection bill. They were still unable to locate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: AES/PHEAA
State: MD

Complaint narrative:
On XX/XX/XXXX at approx. XXXX EDT, I spoke with a XXXX representative. I was informed that Loans 1 and 2 were on PAYE while Loans 6, 8, and 10 appeared to be on IBR because Grad PLUS loans are not eligible for PAYE ( which is not my understanding ). When I filed my original income driven repayment application with XXXX ( my old servicer ), all the loans covered by it were put on PAYE and in section 2, box 2 of my original application, I specifically requested loans be put on the PAYE repayment plan. As such, no loans should currently be or ever have been on IBR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
XX/XX/2019 Called Credit Acceptance to request monthly statements that would show a breakdown of what portion of my monthly payments go to principal and what portion goes to interest. Was told that because my loan was a " Compound Loan '' they could not provide me with a monthly statement showing these break-downs.

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 2019-03-19 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: FL

Complaint narrative:
In XX/XX/XXXX, I applied for a home loan. When the lender pulled my credit, XXXX had placed statements on my account stating that it was in deferment due to a natural disaster. This stopped my loan from processing. When I called them, they stated that FEMA had given them this information and they took it upon themselves to place that on my report. I did not ask for that at the time. XXXX told me it would be taken off XX/XX/XXXX and would show on my Credit reports XX/XX/XXXX. When the lender pulled my credit report again, nothing had changed. I called XXXX again and they continued to argue with me and said that I was still in the deferment and they would not remove it. I had to argue with them for several weeks and into XX/XX/XXXX. They would not remove it until I threatened to get an attorney. Then all of a sudden they agreed that it should have been taken off. I finally got it taken off but had to be subjected to the stress of arguing with them. Some of these comments are still on my credit reports. It also states that my last payment was XXXX XXXX. I have made payments since that time. This is not the first time that I have had to deal with this issue with XXXX reporting bogus information to my credit report. Then it takes forever to get it removed. Equifax is the worst about removing comments, etc. even when you prove it is wrong. They do not appear to investigate anything unless you threaten to sue them. It is just the first time I knew that I could file a complaint. They consistently put me on different payment plans than what I apply for. When I asked them about a forgiveness, they actually laughed at me. Then laughed while telling me that I could not even file bankruptcy and get out of it because it was a Federal Loan and I was stuck paying for this and they didn't care how old I was. ( I am XXXX years old now ) Prior to this my billing and fees were consistently wrong and XXXX XXXX and XXXX refused to justify any of the charges as well as the schools charges when I saw that I was being charged bogus fees or being charged double fees by the school and the Student Loan Servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 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: IN

Complaint narrative:
I had a situation where there was a 90day late payment on my account which was incorrect but was fixed by the creditor and all credit bureaus except for Equifax which still shows there are two 90 day late missed payments which is an error

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: TX

Complaint narrative:
Equifax, XXXX and XXXX are reporting an incorrect coding of the XXXX XXXX XXXX - account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I financed a car loan with Automobile Acceptance for a XXXX XXXX XXXX .payments we re {$170.00} bi weekly for 58 months and CPI {$38.00} .during that time I was never late with car payments missed a few CPI during the duration but not many. The car stopped running almost the end of XXXX of XXXX I asked that they remove the CPI they refused stated i need to purchase FULL COVERAGE I refused to pay full coverage for a 10 year old broken down car..On XX/XX/XXXX I made my last payment over the phone which I was told would be {$170.00}. a month later they started contacting me saying I owed {$610.00} .I asked for what they really couldnt explain how .I asked them to foward me documents explaining how could I owe this .I received a letter end of XXXX saying it was for CPI payments from XX/XX/XXXX. I pulled out my bank statements because I knew for a fact that I never missed that many payments ..For this reason they are refusing to give me a title. I have a peace of junk in my drive way I cant get rid of without a title.They have also tarnished my good credit by adding this payment on my credit report. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
On XX/XX/2019 I did a second mortgage search, Quicken Loans have paid ads in the search results that claim you can do a second mortgage with them. They have you fill out all the information acting like you are getting a second mortgage, pull your credit and then tell you they only have first mortgages. Then they have a high pressure sales person call you while you are still viewing the mortgage rates, wondering why there is no second mortgage rates. I have a 3.25 % first mortgage and wanted to redo the second mortgage which is at 7.25 %. " XXXX '' tried to pressure me into redoing my first mortgage which is not only completely unethical, but makes no financial sense and is completely not in my best interest. It is truly sad that these types of tactics can still exist after what occurred in the mortgage meltdown. He would not let me talk or ask questions and just tried to berate me into redoing my first mortgage. I had to raise my voice to get him to stop. I told him, " I was in the business for 10 years, it is not in my best interest to redo the first mortgage and I don't want to touch my first mortgage. Can you do a second mortgage or not? '' He said " No, good luck. '' and hung up on me. Complete bait and switch tactics as they are advertising a product they do not even offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XXXX XXXX, I contacted Chase XXXX XXXX customer service regarding the calculation of my minimum payment due. On XX/XX/2019, I transferred a balance of {$8500.00}. It was a XXXX percent balance transfer offer. I researched the minimum payment due calculation and per the cardmember agreement, the minimum payment is calculated at 1 % of the new balance, plus interest charges and fees ; therefore, I transferred this balance based on this information. I received my XX/XX/2019 statement. The balance was {$11000.00} and the minimum payment was {$560.00}. The minimum payment is definitely larger than the 1 % of the new balance plus interest and fees per my cardmember agreement. I tried to figure out how this calculation was made and I couldn't figure it out. I let it go for the month, figuring I was being charged the 1 % of the new balance, plus interest and fees ( the fees being the balance transfer fee of 4 % of {$8500.00}. I paid {$580.00} on XX/XX/2019. I thought from here on out, my minimum monthly payment should be approximately {$110.00} per month. I received my XX/XX/2019 statement. The balance is {$11000.00} and the minimum payment is {$560.00}. On XX/XX/2019, I contacted Chase XXXX XXXX customer service regarding the minimum payment calculation. I first spoke with XXXX. She stated that my minimum payment is being charged at 5 % plus interest and any fees. I told her that it should be 1 % and she told me that my cardmember agreement stated 5 %. I hung up and researched the cardmember agreement. I found it online and have saved it to my files. This agreement should not be any different than the one that I should be receiving in 10 days. Per the agreement found online, it is indeed, 1 % of new balance plus interest and fees. I called customer service back and spoke with XXXX, but was transferred to another person due to computer issues. I do not have this person 's name, as I could not understand her name. I explained to her that the cardmember agreement that is online states the 1 % of new balance plus interest and fees. She could not change it to the appropriate calculation per the agreement and said I would have to fax my agreement and jump through hoops. I told her that this was in violation of my agreement and that I would be contacting the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: AZ

Complaint narrative:
I had a hospital bill that I was unaware of because they called a phone number that was outdated and did not send notices to my updated mailing address. As soon as I found out about the debt I processed payment to have the account settled. I requested for deletion of the account because I was unaware of the account, but those requests are being denied for a policy that they refuse to provide me in writing. The first request for deletion was in XXXX of XXXX, then again in XXXX of XXXX, following XXXX of XXXX. I have yet to receive any formal policy in writing why this medical account can not be deleted from my credit profile. The response I receive verbally is because of the age of the account and the date in which I made payment. They did confirm with me that all notices and collection attempts were made to outdated contact information. I verbally informed the company that I will be filing a complaint and that I feel that the continued reporting of this account is in violation of HIPPA laws and regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: TX

Complaint narrative:
XXXX, XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX   XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.

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 2019-03-19 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: TX

Complaint narrative:
XXXX, Experian and XXXX are reporting an incorrect coding of the XXXX XXXX   XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.

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 2019-03-19 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: MO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on a loan with the XXXX/XXXX - partial account numberXXXX. This account reflects a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: TX

Complaint narrative:
RE : LETTER OF CANCELLATION OF DEBT To : Consumer Financial Protection Bureau My name is XXXX XXXX, Im filing this complaint against Ditech Financial LLC located at XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX AZ, XXXX. My complaint is regarding not receiving a debt cancellation letter from the company because they foreclosed on my home and mailed me a 1098-A. 

In XX/XX/XXXX I requested a modification from XXXX XXXX XXXX ( See Attachment A ) these are the individuals I purchased my home from in XX/XX/XXXX.  At the time of the request XXXX XXXX loans were serviced by Green Tree Services. I went through the XXXX Program ( XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX to get refinanced for a lower interest rate on my home. After submitting paperwork through XXXX and to Green Tree, Green Tree responded by saying We service your account on behalf of an investor XXXX XXXX  XXXX or group of investors XXXX XXXX that has not given us contractual authority to modify you account under the HAMP ( See Attachment B ). 

I re-applied in XX/XX/XXXX for the HAMP program through a new servicer for XXXX XXXX which is Ditech Financial LLC, after completing the request to refinance through the HAMP program they responded by saying We service your loan on behalf of an investor group of investors that has not given us the contractual authority o modify your loan under the HAMP ( See Attachment C ). After being refused for refinancing for being in my home over 16 years, the home was foreclosed in XX/XX/XXXX ( See Attachment D ). 

In XX/XX/XXXX I received a collections letter from Ditech indicating that I stilled owed {$41000.00} on the foreclosed property ( See Attachment E ). I reached out to them via certified mail requesting information regarding the foreclosure ( Attachment F ). The responded by indicating they were looking into the matter ( Attachment H ). 

In XX/XX/XXXX I received a Form 1099-A for XX/XX/XXXX( Attachment G ). The 1099-A form indicates that its for Acquisition or Abandonment of Secured Property which is completely wrong. As I have indicated with proof I have tried to refinance through government programs to save my home. However, they were never accommodating to any request. The XXXX program indicated to me that since they wouldnt comply with government regulations that I couldnt use them for modifications or refinancing of my home. 

Im requesting a letter of cancellation of debt from Ditech since the company has submitted a 1098-A that has to be filed with my XX/XX/XXXX taxes. They refused to help me on several occasions, therefore anything outstanding per Ditetch, this debt should be cancelled ( Attachment E ). 

I look forward to hearing from you regarding soon this matter, you can contact me through mail at XXXX XXXX XXXX XXXX, TX XXXX or through email XXXX. 

Respectfully, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cordoza & Wexler Recovery Services
State: TX

Complaint narrative:
We have been contacted repeatedly along with our family members and place of employment. They have made multiple threats regarding coming by our place of residence to arrest, serve papers, file court documents, etc ... 
They will not provide any detail and we have checked our credit reports which there is nothing showing as an owed debt. 
We would like to file formal harassment charges. 
Please have them stop all communications to family members, employers and me. 
We have requested this with Cordoza directly several times but they just hang up and say they are coming to our house. 
Stop the threats!

Company response to consumer: Closed with explanation