vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriFirst Financial Corporation
State: MI

Complaint narrative:
I was not notified of the foreclosure. Also, two lots are being taken from me when only one was financed. 

Payments were made to Amerifirst in XXXX, XXXX and XXXX of 2018 but not credited to the account. They would not accept any more payments after this. 

Amerifirst should have known that I had federal debt and shouldn't have given me a federal loan.

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 2019-12-10 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was XXXX  for 19 years, and XXXX on XX/XX/XXXX. I was able to briefly see that someone took a car out in my name, credit cards, etc. then I get a letter from franchise tax board saying I owe {$2000.00} or else from XXXX. I began my XXXX  in XXXX. I tried calling them and credit bureaus with no success. XXXX, transnational, XXXX, etc. all gave me run around and blocked me out. I filled out all the paperwork they required online and then wrote me saying the info was a problem so couldnt send my free 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 explanation
Consumer complaint received 2019-12-10 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was XXXX  for 19 years, and XXXX  on XX/XX/XXXX. I was able to briefly see that someone took a car out in my name, credit cards, etc. then I get a letter from franchise tax board saying I owe {$2000.00} or else from XXXX. I began my XXXX in XXXX. I tried calling them and credit bureaus with no success. XXXX, XXXX, equifax, etc. all gave me run around and blocked me out. I filled out all the paperwork they required online and then wrote me saying the info was a problem so couldnt send my free report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 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: SC

Complaint narrative:
On XX/XX/2019, I sent Equifax a letter along with my identity theft report that explains that I am a victim of identity theft and that there were accounts appearing in my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the account ( s ) until I pulled my credit reports for review. I've asked Equifax to remove the fraudulent item ( s )  from my credit file and requested that they send me an updated copy showing the correction. As of today, I haven't received a copy of my credit report and the item is still reporting, affecting my credit. It would be of great pleasure if CFPB would assist me in resolve of this matter. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: CA

Complaint narrative:
My lender pulled a copy of my credit report and there are two accounts reporting late payments as of this year and that is impossible because the accounts were paid off completely in XXXX. XXXX  XXXX XXXX XXXX is reporting late as of XX/XX/XXXX yet all the information showing paid and last activity was XX/XX/XXXX ( when the account was truly paid off ) The other account is with Specialized Loan Servicing XXXX again shows last payment XX/XX/XXXX and max delinquency XX/XX/XXXX. Again this was paid off in XXXX so how can the last Delinquency date be XX/XX/XXXX??????? I am not sure which bureau is reporting this false information since what was received was a merged lenders report but I want this false information fixed. There should be no late payments on either account this year or even last year!. This was disputed several times so why is this reporting wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Maturity date on the mortgage statement was changed by -17 years. Line item description was changed from maturity date to contractual due date. The loan is conventional, fixed rate, no defaults, no foreclosures, no refinancing, or any other activity regarding the property. Getting a different response from mortgage company and a different response from the servicing company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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:
My lender pulled a copy of my credit report and there are two accounts reporting late payments as of this year and that is impossible because the accounts were paid off completely in XXXX. XXXX  XXXX XXXX XXXX is reporting late as of XX/XX/XXXX yet all the information showing paid and last activity was XX/XX/XXXX ( when the account was truly paid off ) The other account is with XXXX XXXX XXXX XXXX again shows last payment XX/XX/XXXX and max delinquency XX/XX/XXXX. Again this was paid off in XXXX so how can the last Delinquency date be XX/XX/XXXX??????? I am not sure which bureau is reporting this false information since what was received was a merged lenders report but I want this false information fixed. There should be no late payments on either account this year or even last year!. This was disputed several times so why is this reporting wrong?

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 2019-12-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My lender pulled a copy of my credit report and there are two accounts reporting late payments as of this year and that is impossible because the accounts were paid off completely in XXXX. XXXX  XXXX XXXX XXXX is reporting late as of XX/XX/XXXX yet all the information showing paid and last activity was XX/XX/XXXX ( when the account was truly paid off ) The other account is with XXXX XXXX XXXX XXXX again shows last payment XX/XX/XXXX and max delinquency XX/XX/XXXX. Again this was paid off in XXXX so how can the last Delinquency date be XX/XX/XXXX??????? I am not sure which bureau is reporting this false information since what was received was a merged lenders report but I want this false information fixed. There should be no late payments on either account this year or even last year!. This was disputed several times so why is this reporting wrong?

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 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Today on XX/XX/2019 I opened my credit card statement and I find that on the XX/XX/2019 that Transunion charged me {$26.00}. There is no way I agreed to the charge and I distinctly remember not clicking on anything or agreeing to anything that constituted a charge. On Transunion 's website in order to file a dispute a consumer is forced to agree to a credit report " refresher '' ( see below ) I take issue with this for the verbiage is ambiguous and does not make it clear that an individual is being charged. ( naturally Transunion will contest this but any notification of charging is in the fine print as they say ) in addition Transunion has charged me a total of {$84.00} and while these charges I agreed to the fact that Transunion to the day of this writing still hasn't satisfactorily resolved my issues.

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 monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ONEMAIN FINANCE CORPORATION
State: LA

Complaint narrative:
I filed bankruptcy in XXXX of XXXX XXXX XX/XX/2019 why is onemain still on my credit report when l include them in my bankruptcy.they already mailed my title to vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: SC

Complaint narrative:
There are two accounts ( XXXX credit card and XXXX loan ) on my Experian credit report that popped up around XX/XX/2019. I did not apply for these accounts, these are fraudulent accounts and my bank account was takeover and I had to change all of my bank information. Someone changed all of my login credentials on XXXX website which was a red flag for me. I submitted a police report, FTC report, and a Identity theft cover letter. Experian did not block this information because of the information they got from XXXX, however I have not received anything from XXXX with proof these accounts were mine. This is drastically damaging all of my financials for my freight brokerage and it needs to be resolved as soon as possible.

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 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I filed bankruptcy in XX/XX/2019. discharged XX/XX/2019 why is XXXX still on my credit report when l include them in my  bankruptcy.they already mailed my title to vehicle.

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 2019-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I called into Capital One to make a payment arrangement. I spoke to a woman who told me when I asked specifically will this keep the account open, since it was at risk of being closed. She said that as long as I made the payment on XX/XX/XXXX, which was my husbands next pay date that I was safe, it would not bring the account current, but it would keep it from being closed. Knowing that my second payment in the arrangement was coming due, I checked the app this morning, only to find out they closed the account. They said that I should have been told that the very last day that the payment could be made would be XX/XX/XXXX. I asked specific questions and fulfilled my obligations. They lied and now my credit will be affected ( not to mention the affect from being included in the breach they had so now my information is out there anyway ). The call was recorded and I want it reviewed and I want the company to have some type of consequence, this isn't just having to pay an extra {$20.00} because of an accounting mistake this affects my credit, and my husbands credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
Robo calls were being placed to my deceased fathers home. I contact the company back on the day before XXXX asking them to stop. They stated I had a debt with HSBC that they bought and wanted me to pay. I asked for verification and they said to call HSBC I called hsbc and was told there was no outstanding account by XXXX at XXXX and also there investigation department. The company calling me only said they were a litigation dept at XXXX ext XXXX which when i tried to call back was a bogus extension. I then got a call the following week from someone else XXXX XXXX XXXX which again said I owed debt but this time to XXXX  XXXX. Called XXXX XXXXXXXX again no bad debt or anything in collections called back to HSBC again no debt. Then the 3rd week I get contact made by a XXXX XXXX XXXX who stated I owed I asked for proof of charges they refused to provide any documentation I stated HSBC and XXXX XXXX both had been contacted and both stated there was no account that went deliquent or sold off. Numerous times with all 3 phone number I asked for proof of debt which was refused to me. All they could say was opened XXXX closed XXXX no payments made then last phone call said payment was made in XXXX but then stopped. I never received any mail regarding a debt in the last 7 years.. I purchased a home in XXXX and had all my mail forwarded from my prior address which i had lived at for 10 years and i have had the same phone number for 19 years and email address as long as i have been on the internet. This company had my social, date of birth, what vehicles i owned access to my credit report but no address, phone or email on me. Very suspicious. I ended up settling the bill only to receive a letter from HSBC stating there still was no account out for collections. The last contact I had was with a XXXX XXXX with this XXXX ph XXXX on XXXX, XX/XX/XXXX but then in my email I get a letter for settlement offer but no other contact from them and her name is not on that document. Also when I called back to discuss I was told she was busy and would call be back and I never received a call. I was threatened with legal action and court cost with no description of charges. I was threated that all my lines of credit would be closed and I woulid be unable to do any financial business and that if i didn't want to just pay it I would have to go to court. The tatics used were bullying and scary to say the least. As a consume i was trying to do my due deligience to validate this debt before paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: VA

Complaint narrative:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
A payment was made from my friend 's XXXX bank account his name is XXXX XXXX and the payment was taken out on XX/XX/2019. The payment posted. 

Amerihome sent me a letter dated XX/XX/XXXX informing me that the payment was reversed due to insufficient funds. I called the mortgage company and they said since XXXX was not an authorized user on my account they sent the payment back and did not honor it. Because the payment needs to come directly out of my account and can not be paid from someone else 's. This process was not in my loan information. 

I asked them how soon would XXXX receive his payment and they said that they would send him a check. 2 weeks go by and I called my mortgage company inquiring about the returned payment and I asked for a supervisor and she said that the payment was rejected and automatically sent back to XXXX 's account ( not true ). She also said that their company does not issue checks for returned payments. 

I also asked about how this would reflect negatively on my credit report and they said that the mistake was on my end, not theirs. 

I called back within 20 minutes and asked to speak to a supervisor and she told me that the payment was never processed due to insufficient funds ( confusing ). I told them that the money was in his account and it was taken out by the mortgage company and I had received a confirmation. 

XXXX still has not received his payment back to his account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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 ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I have been attempting to resolve my credit concerns since XX/XX/XXXX and it is now XX/XX/XXXX. The car was repossessed, but redeemed in XX/XX/XXXX, and I continue to pay the regular car payment of {$430.00}, plus {$140.00} per month in order to repay the past due amount on the XXXX of every month since I redeemed the car. The account continues to report as closed and in repossession, with no payment history of funds received being reported to all three major credit reporting agencies. 

I have a loan for a XXXX XXXX XXXX with this company, and they are reporting to my credit report incorrectly. I have attempted multiple calls to this company and was outright lied to by two of their agents just to get me off of their line. They stated their credit team handles these requests and they would transfer me to their voicemail for a return call, but each time they transferred me, I was not able to leave a voicemail, the recording just continued to loop. TWICE THEY DID THIS! The third agent I spoke with actually held the line and let me leave a voicemail to their credit reporting team, but little good it did as I did not get a return call. She also gave me a confirmation number that she stated was from XX/XX/XXXX where they submitted an electronic update to the credit reporting agencies, which I later learned from another agent, was just an internal number they used for their cases, not an AUD to the credit reporting agencies. I was advised that they sent me credit reporting documents in the mail, I HAVE NOT RECEIVED THEM! I called back the following week and was told by a 4th agent that their credit reporting team does not even call customers, and she was not sure why they told me that, well I know why, it is because I was demanding they do their job and FIX MY CREDIT! They have made several violations under FCRA regarding the reporting of inaccurate information to my credit profile! It should not be so hard for a DEBT COLLECTION COMPANY to follow the FEDERAL LAWS established for instances such as these. It is not a closed account, nor is it in repossession, because I DRIVE IT DAILY! If it is closed, and repossessed, then why am I paying them????? It took them one week to report it as repossessed, and if I miss a payment, they call relentlessly bordering on harassment, so why do I have to harass them to just do the RIGHT THING!?

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 2019-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I refinanced my loan with another company and closed on XX/XX/XXXX  My new loan has paid my property taxes.  My previous mortgage company, Amerihome mortgage has also claimed to have paid the taxes and my local tax office sent them the check back of XXXX.  Amerihome states I will get the money back once the returned check comes in.  It has been several weeks and nothing has happened.  I have called 10-15 times to Amerihome.  I am getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: SC

Complaint narrative:
There are two accounts ( XXXX credit card and XXXX loan ) on my Equifax credit report that popped up around XX/XX/2019. I did not apply for these accounts, these are fraudulent accounts and my bank account was takeover and I had to change all of my bank information. Someone changed all of my login credentials on XXXX website which was a red flag for me. I submitted a police report, FTC report, and an Identity Theft cover letter. Equifax deleted the information from my credit report and then reinserted it without a notification or any documentation from XXXX. This is drastically damaging all of my financials for my freight brokerage and it needs to be resolved as soon as possible.

Company response to consumer: Closed with explanation