vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX/XXXX XXXX XXXX recently approved a loan modification which I accepted. In a conversation with XXXX XXXX, the representative, regarding the modification I informed him that XXXX was not reporting my mortgage payments to the credit bureaus. In XX/XX/2017 XXXX reported to the credit bureaus that I was 3 months behind in payments. This was inaccurate, erroneous and an error on their part. Instead of correcting this error with the credit agencies, XXXX removed my credit history completely. I have discovered that there is no history of my owning property or payments I have made for the last 10 years to XXXX. The representative explained that it is because I was in Chapter XXXX and that if I want to include my mortgage payments in my credit history, I need to write and have them investigate my request. His explanation is an oversight, mismanagement of my account, and failure to provide due diligence. I informed him that XXXX XXXX/XXXX XXXX  WAS NEVER INCLUDED IN THE CHAPTER XXXX BANKRUPTCY. He said that XXXX did not have that information and proceeded to remove my information from the credit agencies based on the information they received from the BK Court. This is simply dishonesty. I have attached the Notice of Intent .... that clearly shows that XXXX XXXX XXXX ( the investor ) was served with the notice that reflects it never had a claim amount and was never paid. The main claimant was my XXXX XXXX XXXX XXXX, and IRS and credit cards. This notice was served to the investor by the BK court so how could XXXX not have knowledge that my mortgage was not a part of the Chapter XXXX??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX recently approved a loan modification which I accepted. In a conversation with XXXX XXXX, the representative, regarding the modification I informed him that XXXX was not reporting my mortgage payments to the credit bureaus. In 2017 XXXX reported to the credit bureaus that I was 3 months behind in payments. This was inaccurate, erroneous and an error on their part. Instead of correcting this error with the credit agencies, XXXX removed my credit history completely. I have discovered that there is no history of my owning property or payments I have made for the last 10 years to XXXX. The representative explained that it is because I was in Chapter XXXX and that if I want to include my mortgage payments in my credit history, I need to write and have them investigate my request. His explanation is an oversight, mismanagement of my account, and failure to provide due diligence. I informed him that XXXX XXXX XXXX WAS NEVER INCLUDED IN THE CHAPTER XXXX BANKRUPTCY. He said that XXXX did not have that information and proceeded to remove my information from the credit agencies based on the information they received from the BK Court. This is simply dishonesty. I have attached the Notice of Intent .... that clearly shows that XXXX XXXX XXXX ( the investor ) was served with the notice that reflects it never had a claim amount and was never paid. The main claimant was my XXXX XXXX XXXX XXXX, and IRS and credit cards. This notice was served to the investor by the BK court so how could XXXX not have knowledge that my mortgage was not a part of the Chapter XXXX??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rozlin Financial Group, Inc.
State: PA

Complaint narrative:
XX/XX/19 the guy called stating I owe them {$6000.00} for a student loan. The loan was for my sister, whom since XXXX  from college about 20 years ago and continue to pay student loans to this day. However Im receiving this phone calls. I gave the guy her numbers and he stated he spoke with her, but continuously calls my phone for this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I took a loan in the amount of {$1400.00} and have already paid back {$2000.00}. My husband is unable to work because of an injury so I have asked the loan company to settle the loan in the amount of {$350.00} and close the account. The company will not respond via email or phone. The company has said the payoff on the loan is {$2300.00}. This means I would have paid {$4300.00} which I can not afford. The fees and interest charged by this company are unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: American First Finance, Inc.
State: IL

Complaint narrative:
I have a inquiry From XXXX XXXX in XX/XX/XXXXon the date of XX/XX/XXXX. 
I have a inquiry from XXXX in XX/XX/XXXX on the date of XX/XX/XXXX. 
I have a inquiry from American First Finance In XX/XX/XXXX on the date of XX/XX/XXXX. 
I have a inquiry from American First Finance in XX/XX/XXXX on the date of XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX XXXX In XX/XX/XXXX on the date of XX/XX/XXXX. 
I have a inquiry from XXXX XXXX in XXXX on the date of XX/XX/XXXX. 
I have inquiries from XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. In XXXX all on the date of XX/XX/XXXX. 
I have inquiries From XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX  on the date of XX/XX/XXXX. 
I have a inquiry from XXXX XXXX in XXXX  on the date of XX/XX/XXXX. 
I have inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX on the date of XX/XX/XXXX. In Which All Of The Inquires Showed Above I did not inquire about or give my information to for them to run my credit. I Called The XXXX XXXX XXXX number, in a The Customer service or Representatives Did Not Help me Out At All.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: CORELOGIC INC
State: IL

Complaint narrative:
I have a inquiry From XXXX XXXX in XXXX on the date of XX/XX/XXXX. 
I have a inquiry from Credco in XXXX on the date of XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX In XXXX on the date of XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX in XXXX on the date of XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX XXXX In XXXX on the date of XX/XX/XXXX. 
I have a inquiry from XXXX  XXXX in XXXX on the date of XX/XX/XXXX. 
I have inquiries from XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX all on the date of XX/XX/XXXX. 
I have inquiries From XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX on the date of XX/XX/XXXX. 
I have a inquiry from XXXX XXXX in XXXX on the date of XX/XX/XXXX. 
I have inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX on the date of XX/XX/XXXX. In Which All Of The Inquires Showed Above I did not inquire about or give my information to for them to run my credit. I Called The XXXX XXXX XXXX number, in a The Customer service or Representatives Did Not Help me Out At All.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I monitor my credit closely using FICO, XXXX, XXXX, Credit Karma, and XXXX XXXX. I have 0 negative late payments, 5 hard inquiries, average 24 % debt ratio, average 3+ years credit history, 0 negative reports. 
Suddenly my XXXX score on Credit Karma dropped 59 points! I've researched and find nothing new. I called XXXX and they wanted to SELL me a credit report! Instead, I downloaded a free report of XXXX   from XXXX. 
Again, nothing new showing why they would drop my score 59 points. I'm close to applying for a mortgage and need this fixed. Is this a scam XXXX is doing to sell their products?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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:
I received notification that 3 hard inquiries had been made on my Equifax credit report on XX/XX/2019 by XXXX, XXXX  XXXX, and XXXX XXXX XXXX, all in the Auto Finance category. After speaking with several people at these companies, I was told by XXXX XXXX XXXX ( XXXX ) that a XXXX XXXX in South Carolina had made an application for an auto loan over the phone using my social security number as her own. XXXX declined her application and submitted it to affilliates ( i.e., XXXX and XXXX XXXX ). XXXX opened a fraud investigation and concluded that this was in fact fraud. XXXX notified Equifax of their determination of fraud. 

I also filed a police report and made Equifax aware of this as well. 

Based on the information provided by me and XXXX, Equifax is on notice that XXXX agrees that their hard pull on my credit was unauthorized by me and was the result of fraud. Equifax is also on notice that, unaware of the fraud at the time, XXXX submitted the fraudulent request for credit to XXXX and XXXX XXXX, resulting in the 2 other hard pulls. 

Despite having the information above along with my offer to sign an affidavit confirming the same, Equifax has only removed the XXXX hard pull and not the other two. I also have reason to believe that this fraud resulted in grossly inaccurate employment information being listed on my Equifax credit file. Equifax has been extremely difficult to deal with and refuses to take this issue seriously. 

By continuing to knowingly include inaccurate information on my credit file, Equifax is unfairly lowering my credit score and harming my ability to conduct business with any company that uses Equifax 's services. As such Equifax is causing continuing and irreparable harm to me.

Congress should take action to regulate these types of harmful practices by credit agencies like Equifax, but in the meantime, assistance in causing Equifax to correct my personal credit file would be appreciative. It has been almost 3 months and countless hours spent trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
My loan was bought by Mr. Cooper in the first part of XXXX. It has been nothing but a nightmare since they took over. They can't seem to figure out their bi-weekly auto pay. The first 7 times I called in I had an automated message tell me they are to busy to talk to me and then it hung up on me. Seven Times! I have never had to work so hard to make a company take my money. I have had to call every other week since they have gotten their hands on my loan. Did I mention they want to charge {$20.00} to take a payment over the phone? or that they want to charge {$2.00} to auto draft a bi-weekly payment? I am at the point were I am just going to refinance even if the rates ar n't quite as good just to get away from these guys. If you have the option don't deal with them. They are super rude and kind of shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: CA

Complaint narrative:
I mailed Experian my XXXX, social, current mailing and home address, former addresses for the past 10+ years, XXXX XXXX XXXX bills, phone bills, etc and even included a {$10.00} check .... They received my package on XX/XX/XXXX and have yet to contact me or remove the Fraud alert and Freeze from my account. I have called many times and gone through all the prompts. I have tried calling 3 different phone numbers on at least 10 different occasions each and can not reach a human. I have even emailed explaining all of the above and have heard nothing. My email said call me now!!!!! I'm trying to buy a XXXX and I have literally spent weeks trying to resolve this. Experian blacked out my phone number on the credit report so that XXXX needs to get the freeze removed so that they can see the phone number to call me. They must do this because I had put a Fraud alert in order to protect identity back in XX/XX/XXXX when XXXX had their breach. 

How does the government allow a credit bureau to have so much control over a persons life????? There is no accountability with these bureaus. XXXX is associated with XXXX, so XXXX made a ton money off people when they had a breach and they weren't accoutable, in fact since they own XXXX, they made a ton of money off the XXXX breach. They probably planned it as XXXX had their best year ever. 

My letter to them, which tracking proves they received on the 3rd, insists that they permanently take me off Freeze and Fraud alert. All of this has actually lowered my Excellent credit score. PLEASE HELP ME!!!!

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 2019-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ERC
State: LA

Complaint narrative:
Enhanced Recovery number XXXX has been calling me non-stop and even called my job on Tuesday, XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX services are paid in advance and would recur every XXXX of the month on my account. Termination was requested before the next billing period, XX/XX/XXXX because I was moving to another place where XXXX is not a provider. They charged my account in XX/XX/XXXX regardless XXXX {$140.00} XXXX, said it was for the outstanding balance and after much argument I payed for it. The following month they charged my credit card {$130.00} and then the following after that I was charged {$160.00}. Both of the last transactions were disputed and resolved with the credit card company 's help by XX/XX/XXXX. Months after the debt collectors started harassing me for a debt of {$190.00} as follows : XX/XX/XXXX : XXXX sent Debt collector XXXX collect ( XXXX ). Upon review of the information provided from my credit card dispute and account closing they found the debt was not valid. 

XX/XX/XXXX XXXX sent Debt collector XXXX XXXX XXXX XXXX. Upon review of the information provided from my credit card dispute and account closing they found the debt was not valid. 

XX/XX/XXXX XXXX sent Debt collector XXXX XXXX ( XXXX ). Upon review of the information provided from my credit card dispute and account closing they found the debt was not valid. 

XX/XX/XXXX XXXX is now sending a fourth debt collector, I.C. System XXXX XXXX XXXX, making a fourth attempt to collect a debt that is not valid. This time they are asking if I would be willing to pay 65 % of the debt. 

I feel harassed by XXXX. I've put up with this for almost ( XXXX ) year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Ive called several times and spoke to XXXX XXXX and Whoever they refer as XXXX XXXX or whatever. They both can not verify my debt and both keep sending me back an fourth. They have failed to verify my debt via phone and via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Dear Bayview I am requesting your assistance regarding my owners policy with XXXX   XXXX XXXX XXXX ( order number ) XXXX XXXX XXXX has provided a conflicting document to a third party. XXXX XXXX XXXX has repeated this for more than 5 years. XXXX XXXX XXXX conflicting litigation guarantee to third party XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX repeated stated no document exists by email. However it turns out the document was given to third party XX/XX/2018 by XXXX California. The conflicting litigation guarantee - a direct conflict to lenders policy XXXX ( order number ) and owners policy which neither has elapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal has now made it their policy to issue Paypal Debit Cards to all persons with a Paypal Business Account, automatically, without consent from the account holder. This was explicitly described to me by  a person at Paypal who was assisting me with cancelling the debit card opened in my name, against my Paypal business account, by Paypal, without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Associates of Maui, LTD
State: HI

Complaint narrative:
Debt collector, Credit Associates of Maui, representative XXXX, violated the fair debt collection practices act ( FDCPA ) on XX/XX/2019 at XXXX and again at XXXX ( HST ) by calling from a restricted number. I called their office and confirmed on their recorded line, with the receptionist, and with XXXX, that they had called me from a restricted number in violation of the FDCPA. It was indicated to me that the employee/caller had no control over the companys phone system, so this appears to be a company directive, not an individual choice, to call from a restricted number. During the call I indicated that an item had been returned and the alleged creditor had discharged any amount owed and had indicated so to me. XXXX confirmed with XXXX XXXX that the item was returned and credited but said there was a late fee due of {$36.00}. I called XXXX XXXX, who again confirmed that the item had been returned and that their was a fee imposed by XXXX XXXX XXXX XXXX, not XXXX XXXX, a fee charged despite the debt collector indicating on a recorded line that they did not own the debt. Therefore XXXX XXXX XXXX XXXX has no standing to impose a late fee of their own on a settled debt that they didnt own. Such a fee would be a violation of 18 USC, specifically known as collection of extensions of credit by extortionate means. This intention is clear as Credit Associates of Maui/Hawaii blocks their number when calling -possibly because they may be involved in illegal activity. The CFPB has a responsibility to enforce consumer law as mandated by the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
This is the fifth attempt to resolve with Capital One the issue about my credit card account with them. They all of the sudden on XXXX limited my card and I couldn't use it at all also there are unauthorized charges on my card that I am unable to file because of this limitation. I send them the information they requested my SSN card, MN DL and SSN verification form. I had the account for several years and there asking for this information, very disrespectful. After I sent the documents they requested they asked for my bank statement for the account I made a payment from which I refused. Now I would like to have my account closed however I can't do that before I fill a claim on the unauthorized charges on my account. 

Capital One is being unhelpful in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Company has been calling my job consistently

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I went to closing XX/XX/XXXX. I was recently informed why my FHA loan to be insured was rejected XX/XX/XXXX because of the wrong appraisal was submitted. I want a copy of the FHA rejection letter for my record stating the wrong appraisal was in fact submitted. I want all documents from FHA regarding why my loan wasnt insured and also any suggestions FHA department written to rectify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Missed one payment and AMEX called my place of employment the next day. This was on XX/XX/2018

Company response to consumer: Closed with non-monetary relief