vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In Februrary 2019 I was looking to purchase a truck and I got a preapproval from XXXX XXXX  - the truck that I wanted was at XXXX but they would not accept XXXX XXXX ' approval and stated that they would give me a better interest rate so my credit report was hit with 15 inquiries. Got an approval and financed it through XXXX. I was having to many issues with the descrepancy of my name and the interest rates that was agreed upon and trying to get the vehicle registered because XXXX had someone else 's name on the registration and it took them almost 4 months to straighten that out.I decided to go ahead and pay off the vehicle in XX/XX/2019 in the amount of {$28000.00}. On XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX stating that there was force auto insurance put on from XX/XX/2019 - XX/XX/2019. On top of that XXXX then sends me payoff notification on XX/XX/2019 that I still owe a balance of {$170.00} which I paid immediately on XX/XX/2019 with confirmation # XXXX. 

Despite the nightmare I went through with purchasing this vehicle I am in the process of purchasing a home and my credit report is showing a 60 day late payment status with a 3 credit bureaus for XX/XX/2019. 

When I tried to address this issue with XXXX no one seems to be able to give me an answer or rectify this issue. The 3 credit bureaus said that I had to call 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 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/2019 I was looking to purchase a truck and I got a preapproval from XXXX  XXXX - the truck that I wanted was at XXXX but they would not accept XXXX XXXX ' approval and stated that they would give me a better interest rate so my credit report was hit with 15 inquiries. Got an approval and financed it through XXXX. I was having to many issues with the descrepancy of my name and the interest rates that was agreed upon and trying to get the vehicle registered because XXXX had someone else 's name on the registration and it took them almost 4 months to straighten that out.I decided to go ahead and pay off the vehicle in XX/XX/2019 in the amount of {$28000.00}. On XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX stating that there was force auto insurance put on from XX/XX/2019 - XX/XX/2019. On top of that XXXX then sends me payoff notification on XX/XX/2019 that I still owe a balance of {$170.00} which I paid immediately on XX/XX/2019 with confirmation # XXXX. 

Despite the nightmare I went through with purchasing this vehicle I am in the process of purchasing a home and my credit report is showing a 60 day late payment status with a 3 credit bureaus for XX/XX/2019. 

When I tried to address this issue with XXXX no one seems to be able to give me an answer or rectify this issue. The 3 credit bureaus said that I had to call XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
InFebrurary2019IwaslookingtopurchaseatruckandIgotapreapprovalfromXXXXXXXX-thetruckthatIwantedwasatXXXXbuttheywouldnotacceptXXXXXXXX'approvalandstatedthattheywouldgivemeabetterinterestratesomycreditreportwashitwith15inquiries.GotanapprovalandfinanceditthroughXXXX.IwashavingtomanyissueswiththedescrepancyofmynameandtheinterestratesthatwasagreeduponandtryingtogetthevehicleregisteredbecauseXXXXhadsomeoneelse'snameontheregistrationandittookthemalmost4monthstostraightenthatout.IdecidedtogoaheadandpayoffthevehicleinXX/XX/2019intheamountof{$28000.00}.OnXX/XX/2019IreceivedaletterfromXXXXXXXXXXXXXXXXstatingthattherewasforceautoinsuranceputonfromXX/XX/2019-XX/XX/2019.OntopofthatXXXXthensendsmepayoffnotificationonXX/XX/2019thatIstilloweabalanceof{$170.00}whichIpaidimmediatelyonXX/XX/2019withconfirmation#XXXX.

DespitethenightmareIwentthroughwithpurchasingthisvehicleIamintheprocessofpurchasingahomeandmycreditreportisshowinga60daylatepaymentstatuswitha3creditbureausforXX/XX/2019.

WhenItriedtoaddressthisissuewithXXXXnooneseemstobeabletogivemeananswerorrectifythisissue.The3creditbureaussaidthatIhadtocallXXXX.

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 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Lease was returned and all payments paid in full in XX/XX/2017. Company reported the lease as a voluntary repo and sold it at auction despite all obligations being satisfied and are trying to charge me the fees and loss at auction. The vehicle was properly returned and the payments were made to satisfy lease obligation. They incorrectly handled the end of lease and will not fix their mistake.

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 2019-07-12 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: NY

Complaint narrative:
I filed for a chapter XXXX Bankruptcy back in XXXX it was completed in XXXX. Since then I have been arguing with Transunion they show my Mortgage as a missed payment in XXXX. I have never missed a payment furthermore they continue to show outdated information my current balance is also incorrect. Never the less according to the NYS law they can not proceed to report this account as it was included in the bankruptcy and the attempt to do so is in Direct Violation of the discharge, this is also stated in the Fair Credit Reporting Act as a Violation and I should have grounds for them Violating the discharge. I have spoken to the other 2 credit monitoring agencies and they show as closed included in the bankruptcy however here I am still fighting with nasty people from Transunion they are hurting my credit and I was also given a very high interest loan due to this as well they should be held responsible Transunion and my mortgage company XXXX both are in violation for in accurately reporting my account I have never been late after the discharge. 
When you file for bankruptcy, you are required to list all of your debts and this includes your mortgages. When you receive a discharge in bankruptcy it also discharges your personal liability for the mortgages on the home. It does not remove the mortgage lien that exists on your home. This means that if you fail to make the payments on the home, then the mortgage company can foreclose on the home but can not pursue you for any deficiency judgment. 
Mortgage companies will not report your mortgage payments because they are concerned that it violates the automatic stay or discharge injunction. The concern is that reporting the payments on the credit report can be treated as an attempt to collect a discharged debt. This can subject the mortgage company to a discharge violation in bankruptcy court. Reporting negative information for any mortgage payments that are late can be treated as a discharge violation.

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 2019-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello and I went to my bank to try and get a loan to go back to school. My banker told me that they could not give me the loan at the time because of my credit. I pulled my credit again and there are still some stuff on there that is not mine. I have reached out to the FTC and to my local police department and I am doing this on my own. Please remove them from my credit report so I can go back to school and make a better life for my family. XXXX XXXX XXXX XXXX XXXX XXXX  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 2019-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
My loan was transfered to XXXX XXXX XXXX from XXXX mortgage XXXX. I was sent a letter in XXXX that my loan would be transfered. On XX/XX/XXXX my payment was drafted to XXXX to pay for the XXXX payment, I called newrez on XXXX and spoke with a XXXX   explaining that XXXX had drafted the money and I did not know if they would pay XXXX directly or would be refunded. XXXX said they would put the money back into my account within 5  days and they could draft the funds so I agreed. on XX/XX/XXXX the funds were drafted by Newrez, but XXXX did not put the funds back into my account until XX/XX/XXXX. The caused my loan not to be paid and a NSF to NEWREZ also resulted. When I sent in a letter and my bank statements showing what happened I was told that it was not their problem that I had insuffient funds to cover the draft and that they would not refund the {$25.00} NSF and would not take back the 30  day late according to the CFC 1024.33 ( b ) ( 4 ) ( v ). I have owned this house since XXXX and have never been late. I ask that someone help since this was due to a transfer of my loan. I paid NEWREZ {$2700.00} XX/XX/XXXX not realizing that this had happened. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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:
Company Midwest recovery systems. Months ago there was collections placed on my credit report by a different company. The amounts had already been covered by insurance. But a clerical mistake caused them to bill twice for multiple amounts. These amounts were from XXXX to XXXX. Beyond my states statue of limitations. The company before Midwest made threatening calls and after reporting their Behavoir and the company acknowledging the debts were not accurate the closed all accounts and they were removed from my credit report. Now it seems one of the same amounts from one of those accounts has been sold to another company even though it had been recognized as inaccurate and closed. I am hoping this is resolved quickly as I am receiving harassing calls that I have avoided so far. I dont think that its right that debt has been paid and mistakes are made then I have to deal with multiple collections over and over for the same amount that has already been acknowledged as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On a statement sent on XX/XX/2019, Wells Fargo sent me an escrow statement claiming there was a shortage on my escrow. I have the option to pay over 12 months, or just pay them the shortage amount in full. The issue is that either option had me paying a lower monthly escrow payment than I was previously paying. The " shortage '' is based on an even lower arbitrary number, not my previous escrow payment. This seems deceiving to customers, and likely is used for people to pay them extra money up front, rather than issue an escrow refund for over collecting, which pads their numbers for quarterly reports.

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 2019-07-12 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: OK

Complaint narrative:
I have a hard inquiry from XXXX XXXX I have been disputing since XX/XX/XXXX with XXXX and equifax that XXXX  XXXX verified as fraudulent and said they contacted credit to remove. Still has not been taken off my credit by either company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Frost-Arnett Company
State: TN

Complaint narrative:
I was driving and received a phone call on XX/XX/XXXX. I answered the phone, on the other line a lady said : " this is a recorded phone call that may be monitored. Is this XXXX XXXX? '' I said : " Yes, this is XXXX XXXX '' and then the person whom called, hung up. I had no chance to ask who was calling, no chance ask why they were calling, etc. I was genuinely scared as I thought I came across some sort of scam phone call and just confirmed my identity with them. Out of fear, I pulled over to quickly XXXX the phone number and try to figure out who just called. The company is called XXXX XXXX. This was absolutely an intimidating experience. XXXX, XXXX I received a letter in the mail from XXXX XXXX going over the debt I owe to a medical facility. 
I do understand that they followed the law by providing written communication within 5 days of initial contact, but this type of intimidating phone call is NOT okay and should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial auto-pay does not permit an indefinite reoccurring payment schedule like all other credit accounts. The reoccurring payment end date was created by GM Financial circa 2017 upon the opening of the loan account and not properly disclosed ( after 3 years of GM auto payment for the lease ). After a total of 5 years of reoccurring payments, there was no notification made by GM that a monthly auto payment would not take place. After the payment was missed, GM did not electronically notify me or call to say that the payment did not take place. Two days before the account was going to be 30 days delinquent, a representative left a nondescript voicemail ( saved ), not identifying themselves, or their place of business, only saying to call them back. This was assumed to be a scam call. It was only discovered after speaking to several GM customer services representatives that this was their one attempt to contact me. I only discovered I had a 30 day late account by a credit monitoring email ( XXXX XXXX ). I paid the bill in full as soon as discovering the issue and contacted GM the next day. The late fee was reversed after acknowledgement that this was incompetence on GMs part but my credit report took a major hit due to the 30 day late payment history. Several phone calls to GM customer service management yielded no results to correct the issue. Disputes with the credit agencies havent had positive results either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Enterprises, LLC
State: KS

Complaint narrative:
Received collections letter from revenue enterprises regarding alleged medical debt, have asked for verification of debt, no verification / substantion of debt has been provided

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Amerihome Mortgage have added on late fees to our mortgage, when we have till the XXXX of every month to make payment. They added late fees to our mortgage for no reason, and have stated on the phone they will continue to add if we don't make payment by the XXXX of every month. 

This is against their own terms and conditions. 

We did have some troubles making payment the last few months, but cleared that up and paid the deserved late fees on those. But, they tacked on late payments before our few months of troubles, and threatening us today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Capital One Visa Credit Card Company They promote themselves as a travel card yet I can't access my online account while I'm living abroad. Before, their online system would email me a security code to access my account. Now that feature has been removed and they must call you or text you on a US phone. I live in XXXX and have a XXXX phone number. They don't call or text international therefore I have been denied online access to review my statements, pay my bill, etc. 

This started for me on XX/XX/2019. They stated they escalated the issue and turned it over to a third party, whom they refused to reveal their name/company name. 

I've reported it to the XXXX Complaint Number:XXXX & now reporting this to you. This affects all Expats. I'm not the only one. I have friends that have been without access for 6 months. They are having to use a relatives phone number in the States and then they, in turn, call them with the texted code. CRAZY! Realize you only have so long to get the code and input onto the screen to enter your account. 

This is not a good business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have a hard inquiry from XXXX XXXX I have been disputing since XXXX with transunion and XXXX   that XXXX  XXXX verified as fraudulent and said they contacted credit to remove. Still has not been taken off my credit by either company

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 2019-07-12 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: GA

Complaint narrative:
Yesterday I went to the dealership shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report again to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I have reached out to the FTC and to my local police department and I am doing this on my own and need these items deleted from my report. XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. US DEP ED,  XXXX, XXXX XXXX XXXX XXXX XXXX. INQUIRIES : XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The inquiries listed below were not made by me. They are the result of someone falsely and fraudulently using my social security number to pull my credit without my permission. These items must be deleted immediately. The car dealerships have been calling me and that's how I was informed. 

1 XXXX XXXX  XXXX Inquiry from XX/XX/XXXX 2 XXXX XXXX  Inquiry from XX/XX/XXXX 3 XXXX Inquiry from XX/XX/XXXX 4 XXXX XXXX XXXX  Inquiry from XX/XX/XXXX 5 XXXX Inquiry from XX/XX/XXXX 6 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7 XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX 8  XXXX XXXX XXXX Inquiry from XX/XX/XXXX 9 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10 XXXX XXXX  Inquiry from XX/XX/XXXX 11 XXXX Inquiry from XX/XX/XXXX 12 XXXX XXXX Inquiry from XXXX XXXX, XXXX 13 XXXX XXXX Inquiry from XX/XX/XXXX XXXX 14  XXXX Inquiry from XX/XX/XXXX 15 XXXX Inquiry from XX/XX/XXXX 16 XXXX Inquiry from XX/XX/XXXX 17 XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX 18 XXXX XXXX Inquiry from XX/XX/XXXX 19 XXXX XXXX Inquiry from XX/XX/XXXX 20 XXXX Inquiry from XX/XX/XXXX 21  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 22 XXXX Inquiry from XX/XX/XXXX 23 XXXX XXXX Inquiry from XX/XX/XXXX 24 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 25 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 26 XXXX Inquiry fromXX/XX/XXXX XX/XX/XXXX 27 XXXX Inquiry from XX/XX/XXXX 28 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 29 XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/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