vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-17 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: MA

Complaint narrative:
I contacted Experian because there is an account on my credit report that is being reported as a charge off. I asked the representative if she could tell me the name of the data furnisher and she said XXXX XXXX, now XXXX XXXX is the name of a credit card and it is not an actual company, how can a credit card name be reporting an account? According to the FCRA everything on a consumers credit report needs to be 100 % accurate without any mistakes, I want them to validate this account because I dont dont what it is and where it came from. I want this account deleted from my credit file because every single company name that I have been given starting with the original creditor arent correct, I called the original creditor which is XXXX XXXX and they told me that the account was sold to a company called XXXX XXXX XXXX, then I contacted XXXX XXXX services and they told me to contact a company called XXXX XXXX XXXX, then XXXX XXXX XXXX told me to call a company called XXXX XXXX and XXXX XXXX told me that they do not have the account with my information, I also received a letter from the original creditor telling me that the account was sold to a company called XXXX XXXX, I contacted XXXX XXXX and they do not have the account, What I would like to know is, how is it that Experian and the other credit bureaus XXXX and XXXX tell me that when I disputed this account it was verified, who verified the account if none of these companies have it? and the name of the data furnisher that appears on my credit report is not a company but a credit card name? Delete this account now because it has not and cant be verified or 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 2019-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
My loan was transferred from Ocwen Loan Servicing to PHH Mortgage on XX/XX/XXXX. There was no information given to make payments. I called the customer service number and the wait time was over an hour. The online system would not let me set-up an online account to make a payment. Once I did speak with a rep, I was able to make a payment. My XX/XX/XXXX payments was applied to XXXX. I have never been late with a payment in 16 years. My XXXX payment was applied to XXXX. I called again and waited another hour to speak with another rep. He told me that he would put a work order in to research my history with Ocwen and it would take 10 days. I called backed after 15 days and was told to send my own payment history ( which I did ). On top of that I made a payment, and they debited the incorrect amount out of my bank account. I have two liens and one is fully paid off. They keep telling me to send in payments for interest and recording fees. I have already sent these payments twice and I don't even have a principal balance. I was told that they keep applying those payments into a suspense account instead of updating the system to show that I fully paid off the loan. They keep taking my money and not updating my account. The last time I made a payment on my fully paid off account, they ended up debiting an entire mortgage payment from my account. It was the amount I paid prior to paying off the account. They did not have an authorization to debit my account for a full payment that was not even due because the loan was paid off. As I stated, I paid this recording fee and interest twice. As for my second account, they also debited an entirely different payment than I authorized over the phone I called back today and was told that my representative was unavailable for the entire day and there was no one else that I could speak to about the matter. I never take time to file complaints, but this is absolutely the worse company. How can you debit my bank account for an unauthorized amount. How can you still be making entire payments on a loan that is fully paid off? How can only one person in the entire organization be the only one to help me? How can the company take over my account in XXXX and bill me for XX/XX/XXXX and then apply that payment to XXXX when I already paid the mortgage for XXXX to Ocwen?  Something is wrong with this company all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
1. After filing my taxes for XXXX and XXXX ; my tax professional informed me that my mortgage company paid my property taxes twice in both years to the City of XXXX, GA. 

2.I also paid an additional $ 60 monthly and was expecting at least $ XXXXx12mnts= {$720.00} back in return. I received approximately {$120.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriFirst Financial Corporation
State: PA

Complaint narrative:
My wife and I are in the process of buying our first house. We realized the house we were interested in needed some work, so we started looking at 203k loans. We were preapproved through XXXX XXXX and had a locked in interest rate of 3.5 % prior to looking for 203K loans. Ultimately, we started working with AmeriFirst Financial Corp dba AmeriFirst Home Mortgage onXX/XX/19. We were preapproved that day for {$320000.00} and began looking for contractors to perform the renovations. On XX/XX/19 we met with the loan agent in person to complete the loan application. During our meeting, a estimated cash to close worksheet was provided stating that we would owe {$21000.00} at close. We reluctantly signed due to the house we wanted to purchase being a relocation and the seller was getting nervous we could not secure funding for the 203k loan. On XX/XX/19, while I reviewed the AmeriFirst form, I noticed a line item for Loan Discount Points in the value of {$8700.00}. Upon researching the topic, I learned they are not a necessary item, and informed out loan agent that we did not wish to utilize them. Of note, the interest rate placed on the 203k loan sheet was 6.125 %. We were assured that upon completion of the renovations to our home, we could transition to a traditional loan and use the equity built into the house as our downpayment. When confronted about the loan points, we were told they were necessary due to our credit scores and they could not be removed. Yet in 3 months when the renovations were completed, we were supposed to transition to traditional loan and the loan points we purchased would be void. It is clear that this company is pressuring first time home buyers to spend more money than necessary and do not care about helping rebuild credit, as the company touts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I received to hard inquiries dated on XX/XX/2018 and XX/XX/2018. I was unaware of this inquiry because I never applied for a loan with Syncb/CareCredit. I reached out to the company in regards to the situation and they quickly removed the credit from my report however, both inquires are currently causing damage to my credit score and I would like for them to be removed due to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 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: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
On or around XX/XX/2019, I reached out to XXXX XXXX XXXX at Barclay Card, EXT XXXX regarding making a settlement to my XXXX Visa Card issued by Barclay. I was told I would be called back by Friday, which I never was. I call another person in the internal collection department, who told me they would need to verify which department my account belonged to, and it could take two weeks. Well over a month later, on XX/XX/XXXX, I called because I received neither a letter, phone call or email from Barclay Card. I reached someone today who told me my voicemails may not of been responded to, because I didn't include enough information in the voicemail beyond my phone number. While the agent ( who was actually a manager ), did not seem very apologetic, she informed me that this missing information is why I was not called back, however it does not say in the voicemail what needs to be left. I asked about a settlement offer and was given an amount and percentage, which worked out to be {$760.00}. I was told I would only have 90 days to pay it, which is not enough given my current financial situation. I asked about paying the balance to have the account deleted and was told this was against " fair credit reporting laws ''. The FCRA does not prohibit deletion as I'm sure the CFPB already knows. I actually searched online and found numerous cases of Barclay Card removing tradelines. Paid for charge offs report the same as unpaid, so it would be of no benefit to me to pay it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: TX

Complaint narrative:
Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX however Equifax has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I transfer some balance to my credit card and even though I paid off the balance off, they kept charging me balance transfer fees. Besides this, I disputed some charges back in XX/XX/2019, they asked me for police reports and extra paperwork. Two months ago I contacted TD bank to inquire about the dispute, they asked me for some more paperwork, I called today t inquire again, they said my time to dispute these charges is over!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have been trying to get my mortgage company MR Cooper to pay my property taxes from my escrow account, the taxes are several months overdue. i have talked to them several times over a period of two months and they still have not paid the taxes. The amount due was XXXX and now due to interest and fees it is at XXXX due. I just received a letter from an attorney representing the appraisal district say they are going to sue me if the taxes are not paid. I have relayed this message and all the paper work they have asked for and it has not been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: TX

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I was not properly notified that my student loan repayments were to begin. I regularly monitor my credit score, and discovered that my accounts were overdue when my score dropped roughly 150 points on XX/XX/19. I did not receive any correspondence via mail or phone, and due to the wording of their emails, they were sent directly to my spam folder, which I do not check. I immediately paid the amount due on XX/XX/19. When I called and spoke to a representative today, XX/XX/19, I was told that the credit report could not be removed despite inadequate notification and my prompt payment. I understand that issues with communication arise, however, my credit score should not be negatively impacted by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have 3 inquires on my credit report from Capital One, I only made 1 inquiry however, I also had a fraud account opened in my name once before for Capital One. The inquiry that I made was on XX/XX/XXXX but there are 2 other inquiries dated back to XX/XX/XXXX and XX/XX/XXXX. These inquires were not made by me and I would like for them to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called XXXX XXXX XXXX and let them  know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX  and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit 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 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: IN

Complaint narrative:
I TOOK A LOOK AT MY CREDIT FILE AND NOTICE THERE WAS A COLLECTION FROM PRO COLLECT, THAT does NOT BELONG TO ME. I SENT A LETTER OUT TO THEM IN REGARDS TO A FRAUDULENT COLLECTION I FOUND ON MY CREDIT FILE AND TOLD THEM THAT WAS DONE FROM AN IDENTITY THEFT, I HAVE NO KNOWLEDGE OF ANY SUCH DEPT I HAVE WITH PRO COLLECT AND ASK THEM TO PLEASE DELETE THIS COLLECTION FROM MY FILE AND THEY HAVE REFUSE TO DO SO. I JUST FILED A COMPLAINT WITH THE ATTORNEY GENERAL OF XXXX TX YESTERDAY AS WELL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: AZ

Complaint narrative:
Re : Formal Compliant Against XXXX, XXXX, Equifax and XXXX XXXX. 

To Whom it may Concern : This a formal compliant against the Creditor XXXX, and the three credit bureaus XXXX, Equifax and XXXX XXXX. They all have failed to send a written correspondence within 30 days and violated the FCRA & FDCPA laws. XXXX was sent a certified letter onXX/XX/XXXX19, and it was received on XX/XX/XXXX.19 and signed by a XXXX employee. I have not received a correspondence letter back from them. I sent the next letters to the XXXX, Equifax and XXXX XXXX, to address the inaccurate reporting on on my credit file, but theses bureaus have not sent me back a written correspondence to get a resolution to the issues that are very negative on my credit report. For all three bureaus letters were sent certified on XX/XX/XXXX.19 and delivered on XX/XX/XXXX.19 and signed by each of their employee 's. I have failed to received any correspondence to address this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: AZ

Complaint narrative:
Re : Formal Compliant Against XXXX, Experian, XXXX and XXXX XXXX. 

To Whom it may Concern : This a formal compliant against the Creditor XXXX, and the three credit bureaus Experian, XXXX  and XXXX XXXX. They all have failed to send a written correspondence within 30 days and violated the FCRA & FDCPA laws. XXXX was sent a certified letter on XXXX19, and it was received on XXXX19 and  signed by a XXXX employee. I have not received a correspondence letter back from them. I sent the next letters to the Experian, XXXX   and XXXX XXXX, to address the inaccurate reporting on on my credit file, but theses bureaus have not sent me back a written correspondence to get a resolution to the issues that are very negative on my credit report. For all three bureaus letters were sent certified on XXXX19 and delivered on XXXX19 and signed by each of their employee 's. I have failed to received any correspondence to address this inaccurate 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 explanation
Consumer complaint received 2019-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2019 XXXX and Transunion dropped my credit score by 44 points when I am consistently paying my debt down. I dont feel they have a right to do that because thats destroying me. XXXX to XXXX thats not right!!!! Restore my credit score to what it is or higher. I paid {$1800.00} dollars in the last 30 days to reduce my overall amount of used credit. This is not fair, stop destroying my credit. My mortgage company changed from XXXX to XXXX and is reporting my loan as a new modification, this is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove this hard inquiry from my credit report, as this is unauthorized and wasnt done by me from XXXX XXXX XXXX I observed this inquiry on my credit report and I am requesting for this inquiry to be removed from my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: WA

Complaint narrative:
Sent Letter to National Credit Adjusters in XX/XX/XXXX, requesting them to validate debt that says I owe them {$1000.00}. Which I notice from my credit reports. They did not send me anything prior to me writing to them or following month, after my notification in writing. I sent a second Letter asking the company to remove the information from my credit report. Since they did respond to my first letter asking them to validate information and who they were .What I did notice was they removed them selves from my credit report between the months of XX/XX/XXXX, XX/XX/XXXX and then returned back to credit reports on XX/XX/XXXX. On XX/XX/2019 National Credit adusters Sent inofrmation with list of alleged Charges that do not added up to the amount that, show on my credit reports. And pages that do not show that I owe National Credit Adjuster or a original Contract with the company.

Company response to consumer: Closed with explanation