vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have contacted Experian, XXXX  and XXXX  about a collection Debt for XXXX XXXX XXXX XXXX it shows the debt opened XX/XX/2016 with XXXX. The Creditor has referred me back to XXXX for any documentation. The collection does not belong to me. The original creditor has not been able to assist me I have submitted two disputes and the only reply I receive from the credit bureau is that it is validated.

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 2019-01-14 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: NJ

Complaint narrative:
According to my recent credit report request from XXXX, XXXX, Equifax there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , VA XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , UT XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX This account states that I was 30 days late, however, I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed. 

XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , MI XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 


XXXX  XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: NJ

Complaint narrative:
According to my recent credit report request from XXXX, Experian, XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , VA XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , UT XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 

XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , SD XXXX This account states that I was 30 days late, however, I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed. 

XXXX XXXX  Act. # XXXX XXXX XXXX XXXX, XXXX , MI XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 


XXXX XXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX, XXXX , FL XXXX | ( XXXX ) XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.

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 2019-01-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Again trying to get loan modified, have been faxing since XXXX, XXXX XXXX signed loan documents, and signed over POWER OF ATTORNY, get a letter saying CANT VERIFY XXXX XXXX INFORMATION!!!!!!!!!!!!!!!!!!!!!!?!!?!? Not sure why see original loan appilication XXXX AT XXXX NEVER CALLS BACK going to start pulling phone records!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Texas Guaranteed
State: TX

Complaint narrative:
My part-time employer, with whom I do NOT share and office, and for whom I do NOT have a work phone, received a voicemail for ME SPECIFICALLY and PERSONALLY with personal information in the voicemail. I have the transcript of that voicemail. This was on her personal cellphone, not some office number - there is no office number. 

They used my NAME and left DETAILS. That is horrifying. I have a screenshot of the transcribed voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: CA

Complaint narrative:
This account with XXXX XXXX have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( XXXX ) and I am receiving my FBI report. 

This creditor in question has neglected my letters and not responded to my calls / emails. 

XXXX XXXX  ( XXXX XXXX XXXX ) on my credit report is fraudulent and not mine, although this account is being paid satisfactory THIS IS NOT MINE and I have let the FTC & CFPB know this. 

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "

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 2019-01-14 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: We Finance Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX. I noticed that on my XXXX XXXX account the loan with Wefinanceinc that I Co signed for my son was not showing the last three months of on time payments. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I then sent a dispute of the balance for XXXX XXXX to dispute. On XX/XX/XXXX the dispute results came back from XXXX XXXX.I noticed that the account was deleted off my credit report. I did not request for the account to be deleted, I requested for the balance within the account to be simply updated. I then contacted XXXX  to correct the issue. They informed me that I had to contact the creditor. I did so and the creditor said that the company they use to report these type of things are always behind and that they will get it resolved, that was on XX/XX/XXXX. Today XX/XX/XXXX. I have heard nothing from them the finance companys manager Wedinaceinc. So I call just to check the status and was informed by the representative that her manager was the one I had to speak to. The rep said she would leave a note on the managers desk to call me. The rep also informs me that the manager did not know how to correct his problem even after on XX/XX/XXXX I spoke with the manager directly.I was in contact with her ( the manager ) and emailed her all my proof showing what I disputed from the beginning and why the account should not have been deleted but simply updated with a current balance. How can you have a open account thats paid on time and all of a sudden when you see the balance not reflecting the correct amounts just vanish from you noticing that your payments are not being reflected. Something is not right about this company. Working in the banking industry in the past has taught me a lot and this is very much suspicious!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: ND

Complaint narrative:
I attended university from XXXX to XXXX, this loan was obtained in between my years of attendance to pay for tuition. I began paying this loan immediately after school as it was a {$10000.00} loan and I wanted to tackle the balance right away and feel accomplished about it. I am not even sure how to express the frustration and disgust of what happened from XXXX to present but the loan was transferred to 4 or 5 different lenders without any notification to me. I would sometimes receive a statement or letter in the mail from the new company and i would try to call the previous company that held the loan and they for the most part could not help me because they had nothing to do with the loan anymore. I got so overwhelmed and frustrated trying to track the loan and understand what or why that was happening. The next thing i noticed was the increase in the balance and the interest changing each time it was passed around. Even though i was making payments my loan all of sudden was increasing in balance. I argued with the lenders and asked for explanations and never received answers. The suggested deferrment and forbearance and suggested it was a good way to stop paying for awhile. i have had multiple deferrments and forbearances and then i noticed after that happened the balance kept increasing. i tried to make payment plans with the lender and then low and behold the loan was moved again. I have never felt so deceived and angry about something that is so personal to me. I worked my XXXX off in school and my parents could not afford the tuition entirely so i required loans. This loan was suggested by the school and it happened so easy i was delighted. And they make you think once you are done school you make low monthly payments and easy peasy it will be gone in no time. That would be manageable but that is not what has happened. i was deceived and the loan was tossed around and my life in the process. I have no issue paying the original balance of the loan which was $ XXXX less any payments i made from XXXX to present. that is what is fair and that is all i would be able to handle. I would not have gone to school if i had to take out a $ XXXX loan because i cant afford that. This is criminal what they have done and i have been beggin for loan forgiveness and help for the actions they have taken. Please contact me as i would really appreciate someone to finally reach out and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Have been faxing since XXXX XXXX XXXX on loan, signed POWER OF ATTORNEY AND GRAND DEED TO XXXX XXXX both ON LOAN MODIFICATION APPLICATIONS!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: IL

Complaint narrative:
My account with XXXX XXXX was the subject of identity theft and fraud. XXXX XXXX   continues to report invalid and inaccurate information to Equifax. This is despite receipt of my FTC Identity Theft report. I requested protection under 605b, 4-day blocking rule and XXXX XXXX has failed to comply. 

XXXX XXXX  has also repeatedly failed to send account statements as requested many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
My refinance took longer than expected. Flagstar charged me 3 times @ {$30.00} for payoff quotes that I did not request. To the extent I did request quotes, I did them by mail to avoid their excessive and unfair fax/electronic fees. My presumption is the request came from the title company, but Flagstar did not reach out to me prior to fulfilling the payoff request to gauge whether there was a rush need that required electronic versus mail. Instead, they fulfilled these electronically and charged me a fee. This is an unfair and deceptive practice when it is cheaper to generate electronic payoffs than it costs to mail. I have no way to prevent it from occurring as I am not the source of the request. Moreover, I wonder if Flagstar provides payoff figures to their internal sales team when their customers refinance with Flagstar rather than a competitor. 

In speaking with Flagstar, they were unconcerned with this practice and told me to take it up with the title company that incurred the costs on my behalf. 

Separately, I tried to reach Flagstar in XXXX to talk about Loss Draft funds related to Irma, but they'd switched insurance vendors. There was no one available to talk to me after repeated attempts. They took my number and never returned my calls.

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 2019-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
I had an existing 'payday loan ' ( {$300.00} ) with Easy Money-XXXX XXXX XXXX , XXXX , TN XXXX. When I went in to pay off and rewrite the loan on XX/XX/18 the representative told me my payday loan ( due once per month as I am on Social Security ) was changed by their Corp Ofc to a 'Flex Loan ' and that payments would be $ XXXX/month until paid in full, with an extended credit line of {$500.00}. I chose not to increase the credit line and it was to remain at a principle of {$300.00}. The {$49.00} was to be debited from my bank account once per month. On XX/XX/18 they debited {$15.00} from my account instead of the {$49.00} agreed upon. When I contacted the rep she said 'the Corp Ofc changed the contract because it would take 'too long to pay off ' and that the {$15.00} withdrawal was a 'late fee ' which they debited instead of the {$49.00}. When asked why I was not notified of the contract change she replied that they 'just didn't have time to contact everybody '. I subsequently filed a complaint with our local XXXX who referred the complaint to XXXX Ohio ( complaint # XXXX - ref # XXXX ). XXXX Ohio stated Easy Money CCFI et al  Buckeye Check Cashing stated they 'never ' had a loan contract with me. I then provided a copy of the original contract which clearly states it is a 'Flex Loan ' ( Account # XXXX ) and the principal amount of {$300.00}. They then changed their position and stated it was a 'Fixed Loan '. The XXXX Ohio could offer no further resolution but to provide resources to initiate a 'regulatory ' complaint. I also sent certified letters to both the Easy Money local office and Ohio location indicating the contract was disputed due to their unilateral breach and revoked their ability to access/debit my bank account. I also sent an account dispute notification to their website on XX/XX/18 following my conversation with the store rep who deleted the online account information immediately after my phone conversation with her. It was restored after I filed the XXXX  Complaint even though they told XXXX  there was 'no contract '. They never responded to my online dispute notification. To date I have not received any communication from Easy Money, CCFI et al Buckeye Check Cashing regarding the dispute. I would like to get this resolved but strongly feel there is definitely fraud and deceptive business practices involved here and I feel certain that it began with their store rep and continued because they felt a retired senior citizen wouldn't notice it. I am retired and financially vulnerable but I am not stupid. I would be more than happy to provide whatever documents you require as I would like to bring resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a checking account that had an online promotional bonus of {$100.00} if I met the following 2 requirements : 1 ) Minimum {$25.00} deposit ( completed XX/XX/XXXX ) 2 ) Pay a utility bill of at least {$25.00} ( XXXX & XXXX XXXX paid XX/XX/XXXX ) Customer service representative XXXX XXXX messaged me XX/XX/XXXX through the BBVA account that I would receive the {$100.00} account bonus within 90 days from XX/XX/XXXX. This has not happened. 

On XX/XX/XXXX, customer service representative XXXX sent me a message through the BBVA account that I had opened the account in a branch location, not online, so I'm not eligible for the promotional bonus. This is utterly false ; I've never even been in a BBVA branch office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I closed my checking account at Chase Bank and an amount {$1800.00} was withdraw and used today balances on two credit cards which do not belong to me It was used to pay accounts ending in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: Dovenmuehle Mortgage, Inc.
State: OH

Complaint narrative:
My mortgage servicer started accepting payments in XX/XX/XXXX after requiring that I restructure my loan.I was only 2.5 month behind in XX/XX/XXXX but they refused to accept any payments once I got back on my feet and drug the whole process out until XXXX. 

Even though I have presented them with proof from their own website that all of my payments since XX/XX/XXXX have been on time they did not correct the reporting error on my credit report. I was even told by a staff member that it should be corrected but after numerous phone calls ( most of which were recorded ) and a very detailed letter accompanied by supporting documents they have not corrected this obvious error. 

Where as I have been current since XX/XX/XXXX my reports show that I did not make a payment until XX/XX/XXXX. 

I can prove my claim with bank statements and a printout from the servicer 's own site.

Company response to consumer: Closed with explanation