vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: AZ

Complaint narrative:
I needed a small loan of {$500.00} and when speaking to the consultant on the phone ( XX/XX/XXXX ) I was very specific about that number despite them trying to push a larger amount on me. She assured me that though I was approved for around 2k, I would only be getting the {$500.00}. Once I looked at the contract ( which I no longer had access to once it was signed by the way ), I saw that they had me set up for 16 payments of {$140.00} which far exceeds what I borrowed and the initial interest discussed ( which I can't recall at the moment but will never be able to confirm since I can't see the contract anymore ). I expressed this concern to the consultant who assured me that I wouldn't be paying that much if that's not what I borrowed and can always pay off my quote early to end it. 

Well, several months and about 1k later, I'm still making payments. I've called twice, the first time when I mentioned I wanted to talk about my payments, the phone operator became very short with me and told me she'd have someone call me back. That never happened. I called again and I got into a small argument with another person who told me that I agreed to keep paying because I didn't pay off what I owed early and that because I didn't, I agreed to have 60 % interest added on every time which is why I'm still paying toward over 2k. That was never mentioned in my first phone call with them and I don't remember that being part of the contract, which, once again, I do not have access to anymore. 

Based on other reviews I've seen about them, they are hands down a predatory lending company and I'm afraid that they are not going to contact me about this like they said they would since that didn't happen the first time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
My loan was a conventional purchase transaction which closed on XX/XX/2019 through XXXX XXXX XXXX XXXX located in XXXX, PA. Shortly after closing my loan was transferred to The XXXX XXXX, who apparently sold the servicing rights to Flagstar Bank. My Account number with Flagstar is XXXX. My first payment due date was XX/XX/2019. I received a payment notice from both The Money Source and Flagstar both requesting I make my first payment to each of them. I contacted my original lender and he has been trying to get to the bottom of this ever since. The payment notice I received from Flagstar was incorrect as they failed to include the escrow amount of my School Taxes. My correct total monthly payment should have been {$3100.00}. After several months of back and forth with Flagstar, they still can't get my payment amount correct. Just recently they sent me an escrow refund check of over {$5800.00}, but that should not be returned to me since I need this in my escrow account to pay future taxes. Flagstar is also " double charging '' me the cost of my monthly mortgage insurance. The correct amount of my monthly PMI is {$200.00}, but the dopes at Flagstar are trying to charge me {$410.00}. They are so bad and now I am afraid my payments will be reported late. My original lender, XXXX XXXX has been trying in vain to straighten this out, but to no avail. Please help me. I have been unjustly persecuted by Flagstar!  All I want to do is make my monthly payments for the correct amount. 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 explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: IL

Complaint narrative:
This is an addendum and not a new complaint ( XXXX and XXXX ). Why was the attached documents sent out, and why the Midland Mortgage Company wants more for approximately 4 years when only {$21000.00} owed. They asking for an extra approximately {$60000.00} : {$35000.00}, escrow, fees {$12000.00}, {$10000.00} and not sure if CFPB is allowing this Mortgage to do this. Which is causing the economy a hardship.

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 2019-11-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2019, I attempted to get an auto loan quote through XXXX which I am a member for banking services and insurance. After providing the required information, I was told that XXXX would run a credit check through Experian for myself and my wife. While XXXX was able to receive information about my wife 's credit history, XXXX stated that Experian stated it was unable to verify my identity. I attempted to contact Experian to find a solution in getting my identity verified for XXXX via their number on the website XXXX and other numbers found online at XXXX, XXXX, XXXX. I was unable to talk to anyone in person regarding this as many of the numbers only had robocall functions. There were no options to get to talk to a live person. 

On XX/XX/2019 I received an email telling me to check myidcare ( credit monitoring service provided by the federal gov ) that my credit had been checked. I saw that myidcare listed a credit check even though Experian was unable to verify my identity.

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 2019-11-26 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: AZ

Complaint narrative:
I disputed the 3 students loans on my credit report with the 3 credit bureaus because they have inaccurate/incomplete payment history on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and other dates. All 3 bureaus sent back results saying verified as accurate. I uploaded doctuments showing that there are months that have unknown/no data for the paymemt history. I got the same results back after the re-investigation saying verifiedas accurate. Ive asked them to send me documents on how they where verified or delete them and they have done neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: AZ

Complaint narrative:
I disputed the 3 students loans on my credit report with the 3 credit bureaus because they have inaccurate/incomplete payment history on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and other dates. All 3 bureaus sent back results saying verified as accurate. I uploaded doctuments showing that there are months that have unknown/no data for the paymemt history. I got the same results back after the re-investigation saying verifiedas accurate. Ive asked them to send me documents on how they where verified or delete them and they have done neither.

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 2019-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX   XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. Box XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. Box XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX   XXXX XXXX : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX XXXX, XXXX + General Clothing Stores XXXX XXXX   Inquiry : XXXX XXXX, XXXX + General Clothing Stores XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Sales Financing XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Furniture, Etc. 
( XXXX ) XXXX JXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX Inquiry : XXXX XXXX, XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2019-11-26 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it XXXX Concern : XXXX   XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX XXXX, XXXX + General Clothing Stores XXXX XXXX   Inquiry : XXXX XXXX, XXXX + General Clothing Stores XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Sales Financing XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, New XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Furniture, Etc. 
( XXXX ) XXXXXXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: IL

Complaint narrative:
On XX/XX/2019 I wrote to Experian requesting that they remove an account that was reporting twice on my credit report creating a duplicate. Their investigation concluded without removing the duplicate account. XXXX  XXXX is listed on my credit file twice. Once as the original creditor and again as XXXX XXXX XXXX  XXXX. This is UNFAIR. The balance was paid in full directly to XXXX XXXX and Experian is violating my rights by continuing to report an open balance for the SAME account under a different name. I mailed my complaint with documentation that the account is paid in full and Experian refuses to properly investigate this matter. I am attaching related documents and pleading for your assistance in holding the Experian responsible for Fair Credit Reporting.

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 2019-11-26 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: FL

Complaint narrative:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I noticed an account from WF in my credit report on XX/XX/XXXX. The account is a charge off account opened in XX/XX/XXXX that doesn't belong to me. I file the dispute with XXXX  and XXXX  in XX/XX/XXXX and I got the response on XX/XX/XXXX as verify, they didn't make any change on the account. Then on XX/XX/XXXX I submitted another dispute letter to XXXX  and XXXX  along with my USA passport, Social Security card, driver license and current bill showing my address and name asking not only to remove the account that in no mine but to correct my name that appear with a middle initial that I do not have and I did receive the response from the two companies, XXXX  and XXXX  in XX/XX/XXXX and XX/XX/XXXX with the same response that I have in the first request, account update and no changes made. 

For this reason I am appealing to you to ask for the investigation of this account in my credit report that is affecting my integrity : Account name : Wells Fargo Date Opened : XXXX Charge Off amount : {$4300.00} Charge off date : 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 2019-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: ID

Complaint narrative:
In the final week of XXXX, 2018, I switched from XXXX XXXX XXXX XXXX provider service to another wireless carrier. I asked for complete cancellation of services and to pay my bill in full. I paid the rest of what I owed them and they said I was released of all obligations, liabilities and debt. I don't have a reference number from the phone call because I didn't think to ask for one and they didn't offer one, but they should have my phone call in their records still ( from number XXXX ). Yesterday, I am alerted by XXXX ( official XXXX mobile app ) that my credit scores have begun dropping due to a new collection. I was never contacted by XXXX XXXX XXXX about a past-due balance, if they told me in error that I had closed and paid-off my entire account XX/XX/2018. The collections company they apparently sold the debt too, " Sequium Asset Solutions '' ( SAS ) as they are showing on my credit reports, has also failed to initiate any sort of contact with me or notify me of my rights to dispute the debt. I am reaching out to you proactively before I start down a " black hole '' of call center futility reaching out to XXXX XXXX XXXX or XXXX as I am closing on a house in XXXX and can not afford this gross incompetence and flagrant violation of consumer protections in place to affect my credit score. If there truly was anything owed after they told me there wasn't, I would have promptly paid it immediately upon receiving receipt of valid charges/billing. Thank you in advance for your help. My account with XXXX XXXX XXXX is/was also under the phone number XXXX and my wife 's number XXXX, now ported out to our current provider service. To further complicate matters, because my phone numbers are no longer with them, upon logging in to my XXXX XXXX XXXX account, they are refusing to show me any records like bills or receipts. I received 100 % of my correspondence in my online profile with them, they never mailed or even emailed ( except to send me a PIN or let me know my credentials were updated when I requested those maintenance items ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
The complaint was for BOA who claims my loan with XXXX XXXX XXXX  from a refinance during XX/XX/XXXX was serviced by Countrywide in XXXX or XX/XX/XXXX. 

It has been my stance that BOA is doing everything possible to place itself ahead of a lien by XXXX XXXX in XX/XX/XXXX. The loan by XXXX XXXX should have been cleared when I did a refinance with Countrywide after XX/XX/XXXX. 

I have documents from the fax by XXXX XXXX showing the date of XXXX when the first contact with Countrywide occurred. BOA has sent the same documents with the fax date being whited out.

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 2019-11-26 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have an approved fraud claim from Synchrony Credit dated XX/XX/2019. This account was originally a Paypal Credit account but after they merged with synchrony and transferred all the data on accounts on XX/XX/2019 they claim to have lost my approved fraud claim and started negatively reporting the account as delinquent in XX/XX/2019. The account has an approved fraud claim and an approved paypal buyer protection claim, both claims have the end result of me not being liable for the purchase. Ive tried to contact paypal/synchrony and they refuse to fix the information. The paypal buyer protection claim was approved on XX/XX/2019 and this information was given to me by an employee named XXXX with employee ID # XXXX on my XX/XX/XXXX phone call with synchrony bank.

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 2019-11-26 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: MI

Complaint narrative:
I resolved an account with a lender and Transunion continues to report an inconsistent with reported balance/past due amounts payment rating history on my credit report. 

On XX/XX/2019, Transunion reports this account as closed by consumer with {$0.00} balance and {$0.00} past due. From XXXX 2019, they then report a 30, 60, 90 day late payment rating on an account that was, again, closed months prior with {$0.00} balance. There is no way I could have been late for payments during that time because with the balance being {$0.00} dollars at XX/XX/2019, the months proceeding should have had a {$0.00} dollar balance with XXXX $ payment due as you can not further charge to an account once it has been closed. In XX/XX/2019, Transunion reports once more a {$0.00} balance, {$0.00} dollar past due, okay payment rating, and account as closed by consumer. Then in XX/XX/2019, they report balance as {$0.00}, {$0.00} past due, but a 90 day late payment rating. There are not even 90 days between XXXX, the last time according to their records that I was 'okay ', and XXXX. 

This is clearly a technical glitch as it's quite obvious these ratings no sense with the numbers being reported. I filed a dispute with Transunion and nothing came of it. I can not wait another 30 days for a technical error to be adjusted on my credit report as this has tanked my score is preventing me from qualifying for a loan for my housing.

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